-Select- less than more than equivalent to earn A dollar in hand today is wortv a dollar to be received in the future because if you had it now you could invest that dollar and interest. Of all the techniques used in finance, none is more important than the concept of time value of mon, alled 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. -Select- -Select- pay earn more than A dollar in hand today is worth a dollar to be received in the future because if you had it now you could invest that dollar anv 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. more than earn A dollar in hand today is worth a dollar to be received in the future because if you had it now you could invest that dollar and interest. Of all the techniques used in finance, none is more important than the concept of time value of money (TVM), also calle -Select- analysis. Time value analysis has many applications including retirement planning, stock and bond valuation, loan amortization, and capital budgeting analysis. Time capital budgeting value of money uses the concept of compound ple interest. cash budgeting discount cash flow (DCF)