33 Present Value calcuation Principal 8,000 Rate Time 6% ' 0 0 oooo 5,019 8,000 11,840 14,807 0 0 34 Future Value calculations Principal 40,000 Time Rate 8% 12 A A oooo 40,000 78,400 100,727 480,000 A A 35 Present Value of an Annuity (Calculate T-O Value) Per Period Rate Time $14,000 6% 14 A A ooool 6,192 14,000 130,130 196,000 A $ 36 Future Value of an Annuity Per Period $ 4,000 Time Rate 12% 8