Work #1 Responses:
Actual work where 2 students given their post on this:
Consider, in 500 words or more, how business processes as services can improve efficiency. This discussion is about business process as a service and security.
Use at least three sources. Use the Research Databases available from the DanforthLibrary not Google.  Include at least 3 quotes from your sources enclosed in quotation marks and cited in-line by reference to your reference list. Example: “words you copied” (citation) These quotes should be one full sentence not altered or paraphrased. Cite your sources using APA format. Use the quotes in your paragaphs. Stand alone quotes will not count toward the 3 required quotes.
Copying without attribution orthe use ofspinbotor other word substitution software will result in a grade of 0.
Write in essay format not in bulleted, numbered or other list format.
Reply to two classmates’ posting in a paragraph of at least five sentences by asking questions, reflecting on your own experience, challenging assumptions, pointing out something new you learned,offering suggestions. These peer responses are not’attaboys’. Youshould make your initial post by Thursday evening so your classmates have an opportunity to respond before Sunday.at midnight when all three posts are due.
It is important thatyou use your own words, that you cite your sources, that youcomply with the instructions regarding length of your post and that you reply to two classmates in a substantive way (not ‘nice post’ or the like). Your goal is to help your colleagues write better. Do not usespinbotor other word replacement software. It usually results in nonsense and is not a good way to learn anything. I will not spend a lot of my time trying to decipher nonsense. Proof read your work or have it edited. Find something interesting and/or relevant to yourwork to write about. 

Work #2 Responses:
Actual work where 2 students given their post on this:
(1) Define the time value of money. Do you believe that the average person considers the time value of money when they make investment decisions? Please explain. 
(2) Distinguish between ordinary annuities and annuities due. Also, distinguish between the future value of an annuity and the present value of an annuity.

Please find the two attachments.