What is the difference between the present value of an, Financial Management

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What is the difference between the present value of an

a) What is the difference between the present value of an annuity and the future value of an annuity?

b) What is the difference between an ordinary annuity and an annuity due?

c) How do banks calculate the monthly payment of a loan?

d) Devise a methodology for educating the general public about the time value of money (TVM) and how it affects them financially for life.

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