How does the element of time affect future and present value calculations?,(Points : 1), The element of time has no affect on future and present value calculations., The value of money increases over time in future value calculations; the value of money decreases over time in present value calculations., The value of money decreases over time in future value calculations; the value of money increases over time in present value calculations., The value of money increases over time in present value calculations; the value of money decreases over time in future value calculations.