Finance affects the daily lives of people and organizations. The concept of Finance has been around for centuries, and their impacts has come to affect everyone more and more each day. In our modern day we are interested in wealth accumulation, consumption and investments. The world of finance is so intertwined with our everyday lives it almost seems unlikely that we can go a whole day without it impacting our lives, we have automatic deposits, wireless transfers,use a credit card; we pay attention to inflation rates, mortgage rates, stock market; We even are informed when companies receive aid from governments. Its easy to understand that when there are thousands of people, if not millions of people, participating in these activities how interest rates can be affected. The purpose of finance is to create value for an individual or entity.