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You have the choice of receiving $90,000 now or $46,000 now and another $63,000 six years from now. In terms of today's dollar, which choice

You have the choice of receiving $90,000 now or $46,000 now and another $63,000 six years from now. In terms of today's dollar, which choice is better and by how much? Money is worth 6.5% compounded annually.

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