Time Value of Money

The time value of money is a fundamental concept in finance – and it influences every financial decision a person makes, whether they realize it or not. Learn the basics here, from this video:


The book Go Lean … Caribbean serves as a roadmap for the introduction and implementation of the Caribbean Union Trade Federation (CU). This CU is proffered to provide economic, security and economic security solutions for the 30 member Caribbean states. This mandate is detailed early on in the book’s Declaration of Interdependence, as follows (Page 13):

xxiv. Whereas a free market economy can be induced and spurred for continuous progress, the Federation must install the controls to better manage aspects of the economy: jobs, inflation, savings rate, investments and other economic principles. Thereby attracting direct foreign investment because of the stability and vibrancy of our economy.

The roadmap posits that retirement is a community issue, and that the mandate for the CU to manage economic security issues must encompass retirement planning as well.

Currently in the region there are no Capital/Security markets that offer the liquidity options of Wall Street. However the book describes an optimization of the existing financial markets that can still take place with the introduction of the Caribbean Dollar – managed by a technocratic Caribbean Central Bank – and elevation of the current 9 Stock Exchanges.

Further the Go Lean roadmap portrays the need for public messaging to encourage savings/investments, describing deferred gratification as a community ethos that is required to forge permanent change in the Caribbean homeland. (Of course, administratively, failed policies like hyper-inflation and currency devaluation can undermine any positive savings habits; and thus the Go Lean roadmap starts first with rebooting the governing engines).

Investopedia Online Magazine (Retrieved 03/06/2014) –


The following advocacies in the book speak towards this Go Lean mission of optimizing financial/retirement planning:

10 Ways to Impact Retirement- Page 231

10 Ways to Impact the Future- Page 26

10 Ways to Impact Wall Street- Page 200

10 Ways to Control Inflation- Page 153

10 Ways to Better Manage Foreign Exchange- Page 154

10 Reforms for Banking Regulations- Page 199

10 Ways to Better Manage Debt- Page 114

10 Reasons to Repatriate- Page 118

10 Lessons from 2008- Page 136

10 Ways to Improve Elder-Care- Page 225


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