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What are some examples of an individual's cash flows function as annuities or perpetuities? How do I find the value and future value of each

What are some examples of an individual's cash flows function as annuities or perpetuities? How do I find the value and future value of each and determine which cash flows give the greatest liquidity or value?

2. How do I determine if a lump-sum payment or an annuity will have greater value?

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