**TI82** TxtView file generated by CalcText - KouriB 3FIx131ÿTime Value of Money Expr1. FV = PV × ( 1 + r)n : The Future value of a single (lump-sum) amount; r% for n periods 2. PV = FV = FV × [ 1 ] : The Present value of a single (lump-sum) amount; ( 1 + r)n ( 1 + r)n r% for n periods 3. FV = Σ CFt × ( 1 + r)n-t : The Future value of a mixed stream of cash flows 4. FV = PMT × {[( 1 + r)n – 1]} : The Future value of an ordinary annuity, for n periods at r r percent 5. FV = PMT × {[( 1 + r)n – 1]} × ( 1 + r) : The Future value of an annuity due, for n periods r at r percent 6. PV = Σ CFt × 1 : The Present value of a mixed stream of cash flows ( 1 + r)t 7. PV = PMT × [ 1 - 1 ] : The Present value of an ordinary annuity, for n periods r (1 + r)n at r percent 8. PV = PMT × [ 1 - 1 ] × ( 1 + r) : The Present value of an annuity due, for n r (1 + r)n periods at r percent 9. PV = PMT × 1 = PMT : The Present value of a perpetuity r r 10. PV = CF1 , where r > g : The Present value of a growing perpetuity r – g 11. FV = PV × ( 1 + r )m×n : Discounting more frequent than annual m 12. FV = PV × (er×n) : The Future value of a single amount, using continuous compounding 13. EAR = ( 1 + r )m – 1 : The effective annual rate, more frequent than annual m compounding 14. EAR = er – 1 : The effective annual rate, continuous compounding ÿª³