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1. The state or quality of excelling or being exceptionally good; extreme merit; superiority 2. an action, characteristic, feature, etc, in which a person excels.

1. The act or instance of giving one thing and receiving another in its place. 2. To give and receive reciprocally; interchange. 3. A place or network for exchanging things, especially a center where securities or commodities are bought and sold. 4. A system of payments using instruments, such as negotiable drafts, instead of money. 5. A bill or rate of exchange. 6. The amount of difference in the actual value of two or more currencies or between values of the same currency at two or more places. 7. A dialogue between two or more people.

1. The amount of money spent in order to buy or do something. 2. The value of a resource that has been used during the current accounting period and can be charged against revenues for that period. 3. Something that costs money, usually a lot of money, to buy, keep, or run. 4. The using up or loss of something.

1. An exact copy of something, not the thing itself. 2. One theory of the mind states that all physical perceptions, effort, emotion, and thought which a person experiences are recorded continuously, and these recordings can be referred to as “facsimiles.”

The price agreed to acquire a product, service or asset between a knowledgeable and willing buyer and a knowledgeable and willing seller assuming that each party is operating in their own self-interest and the transaction is conducted at arm’s length.

In the process of everyday life, we make decisions after evaluating data from various sources, knowledge, past experiences, other peoples’ opinions, etc. If any of the premises or data inputs is wrong, it may lead us to a conclusion that is not accurate or false. In order to process large amounts of data in the shortest period of time, our brains use previous assumptions to evaluate and make a decision. If one or several of the past assumptions was or has become false or inaccurate, it will lead to successive inaccurate conclusions. Holistic education is the most effective way to develop emotional intelligence and critical thinking. For most adults, unlearning inaccurate conclusions, false assumptions and replacing these with newer, more effective models of the world, data and critical thinking skills provides a foundation for upward social and financial mobility.

1. A very unpleasant feeling of alarm or disquiet caused by the expectation of danger, pain, disaster etc. 2. Terror; dread; apprehension. 3. Anxiety and agitation felt at the real or perceived presence of danger. 4. The feeling of fear covers a wide spectrum of emotion from mild worry and anxiety on one end to terror and freezing, unable to move on the other.

Relating to or involving money or finance.

1. A state in which somebody is able to act and live as he or she chooses, without being subject to any undue financial restraints or restrictions. 2. Release or rescue from being financially bound, or from being confined, enslaved, captured, or imprisoned by the need of money. 3. A person’s right to rule their financial affairs, without interference from or domination by another person or power. 4. The state of being unaffected by, or not subject to, something unpleasant or unwanted due to the lack of finances. 5. The ability to exercise financial free will and make choices independently of any external determining force.

The knowledge of what money is, how it works, financial terminology, all aspects of financial life, and the competence to perform financial management including; decision making, planning, saving, spending, budgeting, cash flow management, lifestyle choices, investing and retirement planning.