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How does TVM affect management decisions regarding special terms, such as “no payment due for 6 months, interest free,” or “buy a gift card for $50 and get $5 off your next purchase?” What TVM calculations would have to be considered in offers like these? What other business applications of TVM can you think of that were not directly discussed in class?

Each student replies to instructor’s initial discussion question with a substantive post (minimum of 250 words)