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Incorporating time-value-of-money concepts and information from well-developed personal financial statements, identify your long-term financial goals and discuss the pertinent aspects for realizing these long-term financial goals. Explain the choices that you must make and how career planning will also fit into your plan.

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Solution Preview

A dollar on hand today is worth more than a dollar to be received in the future because the dollar on hand today can be invested to earn interest to yield more than a dollar in the future. The Time Value of Money mathematics quantify the value of a dollar through time. This, of course, 

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