I am working on a in-depth write-up of all these concepts, but this is a great image that will give you an over view for now. You will have to click on it to get the full thing as it is too big to fit on our current page layout.
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Those that try to take advantage of ignorant people should be ashamed of themselves. But few are. And even many of those that are keep doing it. It is one reason becoming financially literate is so important. If you don’t learn the basics you leave yourself open to being taken advantage of.