Why is the time value of money tvm an essential concept for, Financial Management

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Why is the time value of money tvm an essential concept for

1. Why is the Time Value of Money (TVM) an essential concept for business decision making? Cite some examples of the types of decisions where TVM concepts are used.

2. Using TVM techniques, calculate the amount of savings you will need to comfortably retire. Be as specific as possible and discuss how you arrived at your conclusion. Justify your rate of return choice.

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