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Create a personal scenario that exemplifies the time value of money that includes the opportunity cost involved.

Create a business scenario that exemplifies the time value of money that includes a level of risk.

Discuss the pros and cons of annuities when compared with other financial instruments and whether they provide a better investment opportunity for some people. Provide specific exs to support your response.

Suggest a real-life ex of how an annuity can be used in someone's financial portfolio to balance their investments.

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