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They.enerally regard financial markets that function for the financial system as an efficient mechanism Efficient-market hypothesis . The six key areas of personal financial planning, as suggested by the Financial Planning Standards Board, are: 1 Financial position: is concerned with understanding the personal resources available by examining net worth and household cash flow. Short term financial management is often termed “ working capital management “, and relates to cash, inventory - and debtors management. But now that you're grown up, will she let you borrow her life savings? The study

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