Finance is the study of how investors allocate their assets over time under conditions of certainty and uncertainty. A key point in finance, which affects decisions, is the time value of money,
which states that a unit of currency today is worth more than a unit of
currency tomorrow. Finance measures the risks vs. profits and gives an
indication of whether the investment is good or not. Finance can be
broken into three different sub categories: public finance, corporate finance and personal finance.