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Deficit financing is adopted when the expenditure is higher than the revenue in a budgetary situation. This expenditure revenue gap is financed by either printing currency or borrowing money to bridge the gap. Governments having deficit budgets often get their finances by borrowing. The indicator of deficit financing is the fiscal deficit. A fiscal deficit is a shortfall found in a government's income which is compared with its spending.

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Finance rate which is also known as interest rate is the amount you would have to pay in addition to the principal amount that you borrow from a bank or any other financial institution. The interest rate amount will be the percentage of the loan you take, which you would have to pay back to the lender. The finance rate will be calculated on a yearly basis.

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Many central and state plan schemes have been introduced to improve the socio economic status of fishermen and also to increase marine fish production. There are also public bank sectors like SBI bank and Canara bank that provide funds for fishing activities. Canara bank provides loans for purchase or construction of mechanized boats and non-mechanized boats too. Depending on the fishermans needs, they can get loans as per their requirements and eligibility. They can get loans up to Rs. 1 lakh without pledging collateral. But loans above Rs. 1 lakh would require collateral.

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The finance industry offers a range of career options. Before choosing a finance course or a particular job in the finance sector it is better if you assess the field and make sure it is something you would want to do. Before taking up a job, it’s better to assess the requirements of the job. There are many career options to choose from when it comes to finance: Investment Banking, accounting, corporate finance, financial planning, risk management, etc.

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Finance companies help individuals get credit either for their personal purposes or for their businesses. Credit is extended to both small and large companies as well. A finance company can be a bank, a non banking financial companies, credit unions or other financial institutions. Whether you need a business loan or a personal loan, make sure you check which financial institution is providing you with the best offer before applying for credit. 

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Alpha is a term used in investing to describe a strategy used by a trader or portfolio manager to beat the market returns for a period of time. It is considered an active return on investment, where the performance of an investment against the market index or benchmark is considered to represent the market’s movement on the whole. Hence the excess return of an investment relative to the return of a benchmark index is the investments alpha. The value may be positive or negative and is the result of the investment made.

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When you are purchasing a bond you are lending money to the government or a company. You will lend money to the issuer or the borrower. The bond issuer agrees to pay interest on a regular basis to whoever holds the bond. The borrower would have to return the principal on the loan when the bond matures. Bonds can be useful to people who are looking for a way to invest their money. While opting to invest in stocks, you are not exactly sure of the future cash flows of respective companies. But with bonds, you know exactly what you are going to get.

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A financial derivative refers to any financial security whose value is derived from or determined by the value of another asset. The asset from which a derivative gets its value is known as the underlying asset. Common underlying assets for derivatives are stocks, bonds, interest rates, commodities, currencies and market indexes. The values of these underlying assets change according to the market conditions.

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Securities are financial instruments which are tradable or can be sold or bought. Shares and bonds are considered to be securities and can be transferred to a person. While long term deposits like fixed deposits cannot be transferred to another person and therefore cannot be called securities. Securities have financial worth that can be traded in the public market. There are different types of securities like debt securities and equity securities.

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The Annual Percentage Rate(APR) will be the total cost of borrowing, while normal interest rates are what your monthly loan payments are calculated on. The APR takes into consideration the interest you are going to pay over the entire life of the loan in addition to any extra charges or fees that you will be associated with obtaining that loan. Extra charges like processing fees, foreclosure amount, etc.

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Seller financing is a loan provided by the seller of a property to a potential buyer. The buyer will make a down payment to the seller and then pay the rest of the money, including the interest rates, in the form of Equated Monthly Installments (EMI). This is typically a transaction where the seller provides a loan to the buyer rather than approaching a bank. To the seller, this will be an investment in which the return will be guaranteed only by the buyers ability to pay back also known as their creditworthiness.

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The Annual Percentage Rate (APR) refers to the annual rate of interest charged to borrowers and which is paid to investors. It is a percentage that represents the yearly cost of funds over a term of a loan or income earned on an investment.

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Leverage in terms of finance is using borrowed capital as a funding source when a company is investing to expand its asset base and generate returns.

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Finance charges, in general, is the fee charged by lenders on extension of credit. It could be a fixed amount or a percentage of the credit obtained. Finance charges allow the creditors to make a profit on the use of their money. The finance charges may vary depending on the type of financing.

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Buying a car is certainly the dream of many individuals and it is also a symbol of status. When you want to own a car and do not have enough money, your dealers may arrange a lender for you to finance the car. This means the necessary amount will be paid to the car dealer by a financial institution. You need to repay the amount to the lender at an agreed interest rate and tenure.

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Bonds are fixed income securities in which the investor loans the money to an entity such as Government or Corporate companies. The investor can buy the bonds at a fixed or variable interest rate. Most of the bonds by the Government of India are offered at fixed interest rates. The money borrowed from the investor is used for government projects such as raising infrastructure for various sectors and expanding business by the companies.

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Managing your finance like anything takes time to understand and improve on. It requires total commitment and financial discipline to master your finances. Here are a few tips to manage your finance effectively.

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Financial managers take care of the financial health of an organisation. They produce financial reports, direct investment activities and develop strategies and plans for the long-term financial goals of an organisation. Financial managers monitor financial details that meet legal requirements of the company.

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Finance is a field that promises greater earning potential in a wide range of industries. There is an increasing demand for finance professionals across all areas despite the economic slow down. If you are a person interested in business management and accounting, finance can be a right choice for you.

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When it comes to financial instruments there are home loans, business loans, overdrafts that are all widely used by borrowers needing finances. There are also borrowers in the market who have unique requirements and will need more complicated financing instruments. Structure finance is a financial instrument which is used by big financial institutes or companies with financial needs which cannot be satisfied by conventional financial products like normal loans. Traditional lenders do not offer structured finance such as Collateralized Debt Obligations (CDOs), Collateralized Bond Obligations(CBO), etc.

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When banks turn down your home loan application, you may want to look for some other source for funds to buy the house. On such occasions, you can also request your seller for the financing. Real estate owners who are unable to sell a property also provide such options to home buyers who will return the money as per the agreement.

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