PATIENCE is the capacity to accept/tolerate delay, problems, or suffering without becoming annoyed or anxious. Truth is, we just cannot please the society, because the society teaches us to live an impressive life - impressing those who are not worth impressing, which has put a lot of youths under pressure.

TVM simply means cash in hand today is worth more than cash tomorrow. why? Because cash in the future will come under the influence of factors like inflation and uncertainty which will affect its purchasing power.

The time value of money is the concept that the value of money today is worth more than the value of that same amount in the future - assuming you put today's money to good use.