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The future value will always be less than the present value.
Nature
refers to the physical world and its phenomena, including the landscape, plants, animals, and other features and products of the earth as opposed to humans or human creations.
Nurture
The influence of environmental factors and experiences on an individual's development and behavior.
Applied Research
A form of systematic inquiry involving the practical application of science. It accesses and uses some part of the research communities' (the academia's) accumulated theories, knowledge, methods, and techniques, for a specific, often state, business, or client driven purpose.
Practical Problems
Practical Problems refer to challenges or issues that arise in everyday life or work that require solutions or decision-making.
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