You may have heard of PEMDAS, or the order of operations, this is just a simple foundation to MATH RULES. But did you ever realize that following the rules of math you can NEVER get a wrong answer? *you may only have a less elegant or more elegant solution to any problem. This is why I've recommended students to follow a CLEAR NEAT WORKFLOW that approximates a PROOF in mathematics to ensure both comprehension and understanding of the process. *also, based on direct experience of 25 years of teaching college courses including statistics and time value of money, PEMDAS is the key reason students leave the proper path of solutions and end up in Alberta instead of Atlanta. *Also, your discussion can be enriched by IRR (the i, or interest rate where PV is equal to Investment / this is known as the HURDLE rate in organizations, and competition for resources and decision making for what to do next is often based on this number. Present Value is PRICE, and the Formula is essential to know (absolutely essential to know that PV= The sum of all your future cash flows discounted back to present by (1+i) t through division (that factor in PV is called the discount factor, while in FV it is the compounding factor, but in compounding you are multiplying and not dividing)