I taught Money & Banking and International Finance several times, and I converted my lecture notes into a textbook. Consequently, instructors can use this textbook for courses in Money & Banking, or International Finance or some hybrid in between them. Furthermore, financial analysts and economists could refer to this book as a study guide because this book contains concise information, and all facts and analysis are straight to the point, explaining how governments and central banks influence the exchange rates, the interest rates, and currency flows. The Financial Crisis severely impacted the world's financial markets that are still felt in 2013. I included many examples from the 2008 Financial Crisis, when many U.S. banks and financial institutions teetered on bankruptcy. Unfortunately, the financial crisis has not ended, and it might continue affecting the world's economies and financial markets for some time.