Present and Future Value of Money: Please discuss the differences of the present and future value of money and how each is computed.

Please discuss what the real interest rate is, and how that is significant in the financial planning of people just like you.

Efficient Market Hypothesis: Please explain what this hypothesis is and how it might explain that paying experts to pick your public stocks, may be a, or not, be a waste of money. What is the difference between alpha and beta in stock returns?