Time Value of Money can be a difficult concept to grasp. It basically is trying to quantify the cost of waiting for your cash/money/loan payoff/lottery winnings. Hopefully, the lecture presentation was helpful. If you need an additional resource, here is a link to a short video class on Present Value and Time Value of Money -- https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/time-value-of-money Links to an external site. So, what other concerns do you have about Time Value of Money? Here's your chance to ask me and your classmates any questions you have about Present Value, Future Value and Financial Annuities. Don't ask for answers to the homework or the quiz! Ask about concepts, etc