What decisions do you make that involve time value of money calculations? 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 i you had used time value to analyze your options? 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.