This is the study of allocation of assets by investors under conditions of certainty and uncertainty. The main concern for investors is the time value for money. The field of finance analyses the risk levels in any business venture. These risk levels guide the investors in making business decisions. This is because the higher the risk levels the higher are the possibilities of not realizing the desired profits. This guides decision making activities.  Finance can be divided into public, personal and corporate finance. Public finance analyses spending by nations while personal finance looks at key determinants to income and investment ability of individuals. Corporate finance is the ability of businesses like sole traders and corporate to raise revenue and make sound investment decisions. There are institutions that hold essay writing competitions on investment decisions that touch on finance. Such essays can be found at https://www.cheapresearchessays.com.