TIME VALUE OF MONEY FORMULA SHEET # TVM Formula For: 1 Future Value of a Lump Sum. (FVIFi‚n) Compounded/Payments (m) Times per Year Annual Compounding FVn = PV( 1 + i )n 2 FV 1 i PV = Present Value of a Lump Sum. (PVIFi‚n) -n Future Value of an Annuity. (FVIFAi‚n) FVAn = CF 4 Present Value of an Annuity. (PVIFAi‚n) 1 - ( 1 + i )-n PVAn = CF i 5 Present Value of Perpetuity. (PVA ) 6 Effective Annual Rate given the APR. 7
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Is Time Real The aspects of time that we can understand are only based on what we can perceive‚ observe‚ and calculate. Every day we look at our watches or clocks. We plan our day around different times of the day. Time tells us when to eat‚ when to sleep‚ and how long to do things for. Is time real? To answer this question‚ let me explain what time is first. Time is defined as a measured or measurable period‚ a continuum that lacks spatial dimensions. This broad definition lacks the simple explanation
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Are UFOs Real? What exactly is a UFO‚ is it possible they actually exists‚ where do they come from‚ and what do they want from us? These are questions that have been asked for years‚ by many different people around the world but will they ever be answered? According to Dictionary.com the definition of a UFO is “A mysterious object seen in the sky for which‚ it is claimed‚ no orthodox scientific explanation can be found.” Since 1947 there have been UFO sightings in almost every country. The sightings
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March 11‚ 2013 Sean Kennedy 616 Stone Highway Albert McSloppy‚ I was told by you that you are a licensed real estate broker‚ and was under the impression that you would be able to sell my home in a professional manner. You have proved to me that you do not posses the ability to properly sell my home. This is a serious matter and you have breached your duties that we had a clear agreement about. Some reasons why I believe you have failed to complete you responsibilities are you told potential
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believe in ghosts. Tens of thousands of people around the world actively search for ghosts as a hobby. Researcher Sharon Hill of the Doubtful Newsblog counted about 2‚000 active amateur ghost-hunting groups in America. Ghosts have been a popular subject for millennia‚ appearing in countless stories‚ from "Macbeth" to the Bible‚ and even spawning their own folklore genre: ghost stories. Ghosts are perhaps the most common paranormal belief in the world. Part of the reason is that belief in ghosts is part
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The most basic definition for real estate is "an interest in land". Broadening that definition somewhat‚ the word "interest" can mean either an ownership interest (also known as a fee-simple interest) or a leasehold interest. In an ownership interest‚ the investor is entitled to the full rights of ownership of the land (for example‚ to legally use and transfer the title of the land/property)‚ and must also assume the risks and responsibilities of a landowner (for example‚ any losses as a result of
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Who was Thaddeus Stevens? Mr. Stevens was an important member of the House of Representatives while Abraham Lincoln held office. Stevens was also one of the key leaders of the Radical Republican Movement of the 1860’s (“Thaddeus Stevens”). Thaddeus was against the South and the thought of inequality‚ mainly towards slaves and poor whites (Engdahl). He believed the suffrage of blacks was wrong and the South should be punished for causing devastation during the Civil War. In 1867‚ Thaddeus Stevens
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Elisha Angeles English 102 2/2/13 Essay Which Sounds Better‚ Heaven or Hell? Which is more Likely? Radical Evolution by Joel Garreau has chapters on two scenarios of the future of humans. Both Heaven and Hell Scenarios have "The Curve" involved‚ but the dangers of the GRIN technologies make the Hell Scenario more likely. Rise of technology will lead to the downfall of humanity due to Bioengineered Disease Agents/Weapons. Supporting ideas for this topic are: threat of humans creating dangerous
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Determining the Chemical Formula of a Hydrate Chemistry 11 3/5/2013 Purpose: To determine the percent by mass of water in a hydrate of copper (II) sulfate hydrate. Hypothesis: I hypothesize that when the solution is heated the hydrate will convert to an anhydrous ionic compound. Then the percentage composition will be determined by weighing the mass of the white crystals. Materials: 400ml beaker‚ hot plate‚ tongs‚ scoopula‚ electronic balance‚ glass rod‚ hot pad‚ and 4g of hydrated
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Sportswoman‚ blogger‚ and author of "Be real not perfect" Miriam Albero The athlete and blogger Miriam Albero shares in her first book her training‚ her healthy recipes and her way of facing life‚ always with a positive attitude. "The best way to be real is to find perfection in ourselves‚ not try to find it in others‚ but to discover the qualities that we all have inside of us" Sportswoman and blogger Miriam Albero has just published her first book Be real not perfect (Planet‚ 2015)‚ in which
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