21. "What it all boils down to is the time value of money , " said Stephen Martin, Gwent's president. 22. The $ 20 gain ( ignoring time value of money ) is in lieu of the regular coupon. 23. It covers time value of money , firm and project valuation, capital structure, capital budgeting, financial planning, and real options. 24. Some Islamic banks charge for the time value of money , the common economic definition of interest ( riba ). 25. Business features included a real-time clock and calendar, as well as functions such as time value of money calculations. 26. If you can gain the time value of money 100 times faster, that effectively makes the interest rate 100x higher for you. 27. The advantage of using the discounted payback period over the payback period is that it takes into account time value of money . 28. But a growing number of professional advisers are questioning the wisdom of relying on such one-dimensional " time value of money " calculations. 29. Charging interest equal to inflation preserves the lender's purchasing power, but does not compensate for the time value of money in real terms. 30. TMX is able to set interest rates on its loans not based on the time value of money or risk of loss on default.