<prompt> Boleng ba nako ea chelete TVM ke bokae?nan  <response>: Instruction in English: What is a time value of money TVM? . Response in English: The time value of money TVM is a financial concept that refers to the idea that money available at the present time is worth more than the same amount in the future, due to its potential earning capacity. Simply put, it means that a dollar today is worth more than a dollar in the future because it can be invested and earn interest over time. TVM is used to compare investment options and to solve problems involving loans, mortgages, leases, savings, and annuities. This concept takes into account the effects of inflation and the risk of receiving payments in the future. It serves as the foundation for many of the calculations used in finance and accounting. . Response in Sesotho: Nako ea nako ea chelete TVM ke khopolo ea lichelete e buang ka maikutlo a hore chelete e teng ka nako ea hona joale e bohlokoa ho feta chelete e lekanang nakong e tlang, ka lebaka la bokhoni ba eona ba ho fumana chelete. Ka mantsoe a bonolo feela, ho bolela hore dollar kajeno e bohlokoa ho feta dollar nakong e tlang hobane e ka tseteloa me ea fumana phaello ha nako e ntse e ea. TVM e sebelisetsoa ho bapisa likhetho tsa matsete le ho rarolla mathata a amanang le mekoloto, mekoloto ea matlo, mekoloto, chelete ea polokelo le ea selemo. Khopolo ena e nahanela liphello tsa theko ea lichelete le kotsi ea ho fumana litefello nakong e tlang. E sebetsa e le motheo oa lipalo tse ngata tse sebelisoang ho tsa lichelete le tsa accounting. 