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Personal finance refers to personal investments, expenses and savings. For example, education expense, estate planning, tax panning, etc. Finance is divided into personal, corporate, and public finance.
Personal Finance:
It characterises the choice to money. Personal finance depends on your income and individual needs. It stands for all finance that an individual comprises of savings, insurance, budgeting, mortgages, investment, etc. A student might face challenges due to difficult assignments of personal finance because it requires deep understanding of the subject. In such cases, one can choose Personal finance homework answers help manuals.
Personal finance usually includes:
- Savings account
- Consumer loan
- Insurance policy
- Stock market investment
- Managing income tax
- Retirement plans
- Credit card
Corporate finance or business finance:
It studies the budgetary exercises of a company and related activities of that company. It is concerned with boosting shareholder value. Get Personal finance homework answers manuals help if it seems difficult to you. Corporate finance deals with the monetary procurement at the business level. A business constantly needs short term, medium term and long term capitals. The main purpose of business finance is to maximise financing, dividend decisions and investment. The financing decision affects the value of a firm through expected cash flow and discount rate.
Corporate finance is important to everyone. Human resource manager, marketing manager, corporate strategies all make corporate finance choices each day. Most people associate it with numbers and accounting statement. It is quantitative in its focus. It is no coincidence that financial markets remain breeding grounds for change. By applying its theories,corporate finance can be learnt the best. The link between these corporate finance decisions is outlined by identifying the value of firm. It reflects endangerment of the project of the firm.
Public finance:
Public finance is the disciple that studies administrative consequences for asset allocation and macroeconomic adjustment. Â It is the part of finance which is about budget constraint of the government or a public entity. It is a branch of Economics which defines the affects and means of policies of the Government. It tries to examine the policies of taxation and expenditure on any economic agent. It also analyses the effectiveness of the policies that aim at the objectives to the development procedures and its technique to increase the effectiveness of that policy.
Branches of Public sector finance:
- Public expenditure: It deals with the various types of expenditure of the government for its functioning properly.
- Public revenue: It involves the revenue earned by government from tax and non-taxes Tax such as sales tax, income tax, etc. Whereas non-tax resources include fees, different kind of fines, etc.
- Public debt: when public expenditure of government exceeds its revenue, the government borrow from the public by giving rise to public debt.
Public debt is classified into different categories
- Internal and external debt
- Short term and long term loan
- Funded and unfunded debt
- Voluntary and compulsory loan
- Redeemable and irredeemable debt
- Productive and unproductive debt
A detailed analysis:
- Internal and external debt
Sums owed to the public and institution is called internal debt, and sums owed to foreigners indicate external debt.
- Short term and long term loan
Loans are also classified according to the duration of loan taken. Debt which is held in short-term interest bearing securities are the short term loans such as treasury bills etc. Long period loans are raised by government for development purposes for a period exceeding 5 years.
- Funded and unfunded debt
Funded loan is the loan payable after a long period of time, generally more than year. Funded debt is long term debt. Unfunded loans are repayable within short time period usually less than a year.
- Voluntary and compulsory loan
Government raises loan on volunteer basis. Loans by people on their own will are the voluntary loan. Public debt is voluntary. Government can force the Nationals for loan during emergency such as during war. These are called compulsory loans.
- Redeemable and irredeemable debt
When government promises to pay a loan at some future date, it is called as redeemable debt. This is also called terminable lean. When government does not make any promise although interest is paid, it is called irredeemable debt
- Productive and unproductive debt
Public debt is productive when it is used for income earning enterprises. It increases the productive power of the economy. Public debt is unproductive when the loan does not yield any earning to the government.
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