Managerial Finance - Below Discussion without Plagiarism needed by Thursday 5:00 PM EST

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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.


with atleast 3 citations and proper APA format

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