A true introduction to the field of finance, with a broader scope and greater emphasis on general principles than the existing introductory texts. The authors build their presentation upon the three "pillars" of finance—optimization over time, asset valuation, and risk management (including portfolio theory). The text shows how these basic laws and principles of finance apply across international borders. Also appropriate for courses in Financial Economics. PHLIP supported. FinCoach CD can be packaged free.