Attempts Score / 3 31. 1: Time Value of Money: Introduction A dollar in hand today is worth -Select- a dollar to be received in the future because if you had it now you could invest that dollar and -Select- interest. Of all the techniques used in finance, none is more important than the concept of time value of money (TVM), also called -Select- analysis. Time value analysis has many applications including retirement planning, stock and bond valuation, loan amortization, and capital budgeting analysis. Time value of money uses the concept of compound interest rather than simple interest. Save & Continue Continue without saving