An individual is given the choice of receiving $1,000,000 today; or of receiving $100,000 per year for the next 15 years, for a total of $1,500,000 to be received. The difference of $500,000 between the 2 amounts is due to the:

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Dear client name here,      hi, my name is and recently i've noticed that you seem to be having some difficulties involving organization and efficiency. id like to propose that instead of keeping physical receipts and documents, which seems to be causing a lot of clutter and frustration, you can transfer all of your documents onto a computer so that not only is it easier to find and look through, but so that it is less of a mess and easier to work with. if you need any moving documents or storing information let me know and i will do the best i can to solve this problemhope you take this under consideration,          your name here   hope this somewhat : )