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Define the time value of money

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• Define the time value of money. Do you believe that the average person considers the time value of money when they make investment decisions? Explain.

• Distinguish between ordinary annuities and annuities due. Also, distinguish between the future value of an annuity and the present value of an annuity.

The response should include a reference list. Using double-space, Times New Roman 12 pnt font, one-inch margins, and APA style of writing and citations.

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