Combining current coverage with a student-friendly modular format, Mayo's BASIC FINANCE: AN INTRODUCTION TO FINANCIAL INSTITUTIONS, INVESTMENTS, AND MANAGEMENT, 12E introduces the three primary aspects of finance and how they are interrelated -- giving students a firm foundation in all aspects of finance, not just corporate finance. Each chapter offers a concise, self-contained treatment of one or two concepts that instructors can cover in a single class. Students build on what they learn through hands-on problems, illustrations using financial calculators, and an Excel appendix. The text introduces time value of money using numerical illustrations that employ equations, interest tables, and financial calculator keystrokes. Self-help exercises with answers enable readers to test their skills. In addition, the MindTap digital learning solution empowers students to accelerate their progress.