We are told that a dollar today is worth more than a dollar tomorrow. This is logical just due to the effects of inflation alone, but there is a multitude of other factors that also play into this phenomenon. The most significant concern among those factors is the issue of risk. Given that any future investment is based on a set of assumptions and educated guesses, we have to factor in the effects of risk as we look at the value of money over time.

For this discussion, do the following:

Locate at least one online resource (a link, article, or book, for example) pertaining to the application of time value of money and/or risk & return either within a broad industry context or within the healthcare field.