Introduction

In a world that is increasingly volatile, competitive, and globalized, the importance of having access to information, and using that information, is essential. Financial concerns are important for national governments, large organizations, and business executives; media outlets are blanketed by headlines with financial ramifications. Finance, it appears, is everywhere and impacts virtually every aspect of both commercial life (business), as well as the lives of individuals. With so much information available, almost all of it available for free, there are very few reasons to not use it to improve your personal financial situation. People count calories, track steps, and exercise consistently; financial fitness and health are not ...

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