financial

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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, corporate finance and public finance.At the same time, finance is about the overall "system"

- i.e. the financial markets that allow the flow of money, via investments and other financial instruments, between and within these areas;
this "flow" is facilitated by the financial services sector.
A major focus within finance is thus investment management — called money management for individuals, and asset management for institutions — and finance then includes the associated activities of securities trading & stock broking, investment banking, financial engineering, and risk management.
More abstractly, finance is concerned with the investment and deployment of assets and liabilities over "space and time":
i.e. it is about performing valuation and asset allocation today,
based on risk and uncertainty of future outcomes,
incorporating the time value of money (determining the present value of these future values, "discounting", requires a risk-appropriate discount rate).
As an academic field, finance theory is studied and developed within the disciplines of management, (financial) economics, accountancy and applied mathematics.
Correspondingly, given its wide application, there are several related professional qualifications, that can lead to the field.
As the debate to whether finance is an art or a science is still open, there have been recent efforts to organize a list of unsolved problems in finance.

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  1. T

    QLD Financial advantage

    What should you do if your partner breaks up with you.and you feel they have used you and gained a financial advantage from you.
  2. I

    SA My financial rights during a seperation

    If I commence separation, how do I protect our assets or debt if he takes out credit or has an accident drink driving? What are my rights? Does evidence of a separation protect me and my children?
  3. J

    Financial disclosure

    Can the ex wife of the husband request the new wife’s financial disclosure, and go through new wife’s statements? Is it only happened if there is court order?
  4. B

    WA Who is responsible for the financial loss incurred where a sold item is lost/stolen and the buyer never receives the good/s purchased?

    ⁠Here is the problem: Person A , the seller, offers for sale on social media a luxury item (eg, watch or jewellery) for sale and Person B, the buyer, agrees to the price which includes shipping to his/her place of residence. Money is transferred to the seller and the item is then shipped by the...
  5. C

    WA Girlfriends claim for financial security

    Hello. My now ex-girlfriend and I lived together on and off for three years around six years ago. We both owned our own houses but lived in mine which I financially maintained. In the years since we have had an on and off girlfriend/boyfriend relationship, lived in our own houses and own nothing...
  6. E

    Financial Separation when ex refuses all the offers

    Need some help and advice: Married for 10 ears and separated last 2.5 years. My Ex lives in our family home with my 2 kids and doen't work. We have to sell the property to get the equity and super split. Am still paying mortgage for the house and other expenses including water, rates etc. Kids...
  7. O

    VIC Sign Discharge documents before financial order?

    Hi all My ex-partner has just asked me to sign the discharge/mortgage documents (she's keeping the family house and paying me out) before we finalised the financial/consent orders. Knowing that she has also agreed to transfer me some super as part of the settlement - is that the logical thing...
  8. voldemort

    VIC Stock trading algorithms - does it constitute financial advice?

    I have been developing algorithms and custom screeners for trading shares based on Technical Analysis . I am using either TradingView for building strategies and python based discord bots for custom screeners. I have obtained handful of followers and also getting lots of request to develop...
  9. B

    Do I need a Binding Financial Agreement?

    Hi all, I own a home worth approximately $450k and have a mortgage of around $250k. With my other assets, my net worth is approximately $240k. My partner's net worth approximately $25k. We have been dating for about a year and they want to move in. Is it in my best interests to get a BFA? Or...
  10. sonofeevil

    NSW Binding Financial Agreement Costs

    Hey guys, My ex and I have had a binding financial agreement written up and I'm really struggling to find a solicitor to give me the requisite legal advice to sign it. I'm getting costs from $2500-$4000 for a document that's already written which just seems exorbitant, I'm hoping someone could...