Money today is worth more than the same amount in the future due to earning potential.

Time value of money

Investors balance potential gains against losses when taking on risk.

Risk vs. return

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Key for personal finance, creating a plan for income and expenses........

Budgeting ..

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Crucial for informed business decisions, evaluating performance and identifying areas for improvement.

Financial Analysis

Investing in companies that promote ESG goals in addition to financial returns.

Sustainable investing

Play a critical role in determining borrowing costs and savings returns.

Interest rates

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Setting long-term goals and creating a plan to achieve them.

Financial planning...

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 A key strategy for reducing risk by spreading investments across different assets and sectors.

Diversification

Recording and reporting financial transactions is critical for businesses to comply with regulations.

Accounting

Understanding finance principles and staying up-to-date on market trends is essential for making informed decisions.

Financial Literacy