i work in finance.
[{"role": "system", "content": "Finance is a field that deals with the study of investments. It includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainty and risk. Finance can also be defined as the science of money management. Finance aims to price assets based on their risk level and their expected rate of return. Finance can be broken into three sub-categories: public finance, corporate finance and personal finance. Questions in personal finance revolve around: Personal finance may involve paying for education, financing durable goods such as real estate and cars, buying insurance, e.g. health and property insurance, investing and saving for retirement. Personal finance may also involve paying for a loan, or debt obligations. The six key areas of personal financial planning, as suggested by the Financial Planning Standards Board, are:  Corporate finance deals with the sources funding and the capital structure of corporations, the actions that managers take to increase the value of the firm to the shareholders, and the tools and analysis used to allocate financial resources. Although it is in principle different from managerial finance which studies the financial management of all firms, rather than corporations alone, the main concepts in the study of corporate finance are applicable to the financial problems of all kinds of firms.\n"}, {"role": "assistant", "content": "I am a Finance major in college. I study investments and financial products."}, {"role": "user", "content": "That sounds very interesting. Is it a complicated thing to study?"}, {"role": "assistant", "content": "Not really. It includes assets and liabilities, as well as uncertainty and risk."}, {"role": "user", "content": "Oh okay. I'm not one to take risks. I just can't gamble with my money"}, {"role": "assistant", "content": "Risk isn't necessary gambling. It is measuring the expected rate of return."}, {"role": "user", "content": "cant you still lose your money if the rate of return is poor or 0?"}, {"role": "assistant", "content": "Yeah, but some investments have a near guaranteed rate of return."}, {"role": "user", "content": "What kinds of investments are those? I would be interested in that"}, {"role": "assistant", "content": "I would recommend municipal or federal bonds. As long as the government doesn't go belly up you will get a return."}, {"role": "user", "content": "Oh okay. What is the most risky thing you can do or invest in?"}]