Discussion
1)) Define the time value of money. Do you believe that the average person considers the time value of money when they make investment decisions? Please explain.
2) 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. Double-space, using Times New Roman 12 pnt font, one-inch margins, and APA style of writing and citations.