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Bank of America - Banking, Credit Cards, Loans and Investing

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Finance is a field that is concerned with the allocation (investment) of assets and liabilities over space and time, often under conditions of risk or uncertainty. Finance can also be defined as the art of money management. Participants in the market aim to price assets based on their risk level, fundamental value, and their expected rate of return. Finance can be split into three sub-categories: public finance, corporate finance and personal finance.

To invest is to allocate money in the expectation of some benefit in the future. In finance, the benefit from an investment is called a return. The return may consist of a gain (or loss) realised from the sale of property or an investment, unrealised capital appreciation (or depreciation), or investment income such as dividends, interest, rental income etc., or a combination of capital gain and income. The return may also include currency gains or losses due to changes in foreign currency exchange rates. Investors generally expect higher returns from riskier investments. When a low risk investment is made, the return is also generally low. Investors, particularly novices, are often advised to adopt a particular investment strategy and diversify their portfolio. Diversification has the statistical effect of reducing overall risk.

Through and through describes a situation where an object, real or imaginary, passes completely through another object, also real or imaginary. The phrase has several common uses:

The personal pronoun you is the second-person personal pronoun, both singular and plural, and both nominative and oblique case in Modern English. The oblique (objective) form, you, functioned previously in the roles of both accusative and dative, as well as all instances following a preposition. The possessive forms of you are your (used before a noun) and yours (used in place of a noun). The reflexive forms are yourself (singular) and yourselves (plural).

Business is the activity of making one's living or making money by producing or buying and selling products (such as goods and services). Simply put, it is "any activity or enterprise entered into for profit. It does not mean it is a company, a corporation, partnership, or have any such formal organization, but it can range from a street peddler to General Motors."Having a business name does not separate the business entity from the owner, which means that the owner of the business is responsible and liable for debts incurred by the business. If the business acquires debts, the creditors can go after the owner's personal possessions. A business structure does not allow for corporate tax rates. The proprietor is personally taxed on all income from the business. The term is also often used colloquially (but not by lawyers or by public officials) to refer to a company. A company, on the other hand, is a separate legal entity and provides for limited liability, as well as corporate tax rates. A company structure is more complicated and expensive to set up, but offers more protection and benefits for the owner.

In the context of human society, a family (from Latin: familia) is a group of people related either by consanguinity (by recognized birth), affinity (by marriage or other relationship), or co-residence (as implied by the etymology of the English word "family") or some combination of these. Members of the immediate family may include spouses, parents, brothers, sisters, sons, and daughters. Members of the extended family may include grandparents, aunts, uncles, cousins, nephews, nieces, and siblings-in-law. Sometimes these are also considered members of the immediate family, depending on an individual's specific relationship with them.In most societies, the family is the principal institution for the socialization of children. As the basic unit for raising children, loving them, and caring for them anthropologists generally classify most family organizations as matrifocal (a mother and her children); conjugal (a wife, her husband, and children, also called the nuclear family); avuncular (for example, a grandparent, a brother, his sister, and her children); or extended (parents and children co-reside with other members of one parent's family). Sexual relations among the members are regulated by rules concerning incest such as the incest taboo. The word "family" can be used metaphorically to create more inclusive categories such as community, nationhood, global village, and humanism. The field of genealogy aims to trace family lineages through history. The family is also an important economic unit studied in family economics.

The personal pronoun you is the second-person personal pronoun, both singular and plural, and both nominative and oblique case in Modern English. The oblique (objective) form, you, functioned previously in the roles of both accusative and dative, as well as all instances following a preposition. The possessive forms of you are your (used before a noun) and yours (used in place of a noun). The reflexive forms are yourself (singular) and yourselves (plural).

In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations etc. The recipient (i.e. the borrower) incurs a debt, and is usually liable to pay interest on that debt until it is repaid, and also to repay the principal amount borrowed. The document evidencing the debt, e.g. a promissory note, will normally specify, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower. The interest provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent. Acting as a provider of loans is one of the main activities of financial institutions such as banks and credit card companies. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

Credit (from Latin credit, "(he/she/it) believes") is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately (thereby generating a debt), but promises either to repay or return those resources (or other materials of equal value) at a later date. In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people. The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment. Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower.

Intention is a mental state that represents a commitment to carrying out an action or actions in the future. Intention involves mental activities such as planning and forethought.

In English, the word like has a very flexible range of uses, ranging from conventional to non-standard. It can be used as a noun, verb, adverb, adjective, preposition, particle, conjunction, hedge, filler, and quotative.

The (listen) is a grammatical article in English, denoting persons or things already mentioned, under discussion, implied or otherwise presumed familiar to listeners or readers. It is the only definite article in English. The is the most commonly used word in the English language, accounting for seven percent of all words. It is derived from gendered articles in Old English which combined in Middle English and now has a single form used with pronouns of either genders. The word can be used with both singular and plural nouns and with a noun that starts with any letter. This is different from many other languages which have different forms of the definite article for different genders or numbers.

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