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Finance is the study of money and how it is used. Specifically, it deals with the questions of how an individual, company or government acquires the money needed - called capital in the company context - and how they then spend or invest that money. Finance is, correspondingly, often split into three areas: personal finance, Studies by Jeff Madura, Ray Sturm, and others have demonstrated significant  download Personal Financial Literacy Jeff Madura, K. Michael Casey, Sherry J. Roberts will http://fipywedom.files.wordpress.com/2014/05/live-learn-laugh.pdf  Finance is the study of money and how it is used. Specifically, it deals with the questions of how an individual, company or government acquires the money needed - called capital in the company context - and how they then spend or invest that money. Finance is, correspondingly, often split into three areas: personal finance, Studies by Jeff Madura, Ray Sturm, and others have demonstrated significant 

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