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Wondering how I may use time value of money (TVM) in an investment or loan decision and how I can explain some of the TVM

Wondering how I may use time value of money (TVM) in an investment or loan decision and how I can explain some of the TVM details that may be involved in my transaction? If you have not used TVM in the past financial transactions can you explain potential TVM applications you would encounter in future business or personal transactions?

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