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describe present value and future value in detail. Describe an annuity in detail. describe compound interest and simple interest.describe effective annual rate.describe amortization schedule and

describe present value and future value in detail. Describe an annuity in detail. describe compound interest and simple interest.describe effective annual rate.describe amortization schedule and how principle payments changes over time in this table. you are 22 years old and just landed your first job after college ! explain how yoi should save for retirement ?

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