0 What decisions do you make that involve time value of money calculations? 0 Have you made decisions where you could have used time value calculations but did not? Do you think you would have made a different decision if you had used time value to analyze your opons? 0 Consider a mortgage with a balance of $250,000, that carries a 4% fixed-rate interest and has 20 years remaining to maturity. Would you benefit in any way from making an extra payment of $100 each month on the mortgage? Explain