Choose one of the following topics to present to your peers in a professional analysis using a minimum of 350 words. 

1. Considering the time value of money (TVM) should winners of a lottery take the lump sum payment or the annuity?

 Your critical response should have a minimum of two sources published in the last 12 months which should be used to support the content within the postings, proper in-text citations.  Your responses should be professionally written and correctly formatted references should be prepared consistent with the APA. The list of references should be physically positioned at the end of the postings.