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Time Value of Money (TVM) is a fundamental finance principle and understanding it will do a lot of good to your business. Friends and family often collect goods from you indefinitely. They may pay the next day, or the next year, not understanding the problems this causes for our business. Money now is more valuable because of the effects of erosion by inflation among other things. The money in your account is a certainty, but story fit enter later, holding up valuable capital that you can use to
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