Money is a conduit to attain goods, property, or necessities in reward for hard work. “Another major function of money is that it serves as the medium of exchange”(David R. Kamerschen 6). “This use of money is emphasized by defining money as anything generally used for purchasing goods and services or discharging debts”(Kamerschen 6). Without money, the world would be unable to function properly, hence the popular saying “ Money makes the world go round. Money also constitutes a store of value, or wealth”(Kamerschen 7). In today’s world money is commonly used to segregate society, by labeling different groups for example, high class, middle class, low class, etc. Salaries measure profession by higher pay or more money for degrees accomplished by a person’s career or studies.

“ Whether or not money possesses any of these attributes, to do its work satisfactorily it must be acceptable”(

A form which the customer must fill out what he wants to use consumer credit; it usually contains questions concerning present and previous places of residence, work history, present earnings, and other credit transactions( Davids 65).

• When authorized by a chartering government, it may act a fiduciary capacity (Davids 17).

The various types of credit, fall into at least four common divisions.

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