Dipping tobacco, traditionally referred to as moist snuff, is a type of finely ground or shredded, moistened smokeless tobacco product. It is commonly and idiomatically known by various terms—most often as dip and sometimes as rub. It is used by placing a lump or "dip" of tobacco between the lip and the gum. The act of using it is called dipping, packing or more specifically packing a lip, or packing a lipper. Dip is colloquially called "chew", "snuff", "chaw", "daps", "baccer", "spit tobacco", or "mouth tobacco", among other terms; because of this, it is sometimes confused with other tobacco products—namely chewing tobacco or nasal/dry snuff.
Finance is the practice]citation needed[ of funds management, or the allocation of assets and liabilities over time under conditions of certainty and uncertainty. A key point in finance is the time value of money, which states that a unit of currency today is worth more than the same unit of currency tomorrow. Finance aims to price assets based on their risk level, and expected rate of return. Finance can be broken into three different sub categories: public finance, corporate finance and personal finance.