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When was the last time you used a gold coin to purchase something — if you have at all? Would you rather get money today — or in five years from now? Money is an essential aspect of life that we can't take for granted in the society we live in today. Although money seems on the surface to be a stable, objective medium of exchange, money values actually fluctuate considerably based on a number of factors. Just walk into any convenience store.

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More specifically, time value of mone.

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