The time value of money refers to:
a. personal opportunity costs such as time lost on an activity.
b. financial decisions that require borrowing funds from a financial institution.
c. changes in interest rates due to changes in the supply and demand for money in our economy.
d. increases in an amount of money as a result of interest

Neighborhood and community characteristics: the social ecology approach emphasizes the view that certain social and physical characteristics of neighborhoods and communities influence the likelihood of committing deviance and crime.imagine that you are in a position as a community leader. there are several neighborhoods in your community with: high poverty rates low quality housing single parent households which issue would you address first, and what strategies would you propose to address this issue?