Time Value of Money — FV & PV Suites
Every future-value and present-value relation on one page: single sums, ordinary annuities and annuities due, loan payments, continuous compounding, and growing annuities — with the cash-flow timeline drawn. Covers §7.5–7.16.
Future Value Suite
Cash-flow timeline: arrows down = payments out, up = value received. FIG. T44-1
Present Value Suite
Cash-flow timeline. FIG. T45-1
Every formula here is one identity wearing different clothes: value moves through time by the factor (1+i)ⁿ. FV multiplies by it, PV divides by it, and annuities just sum a geometric series of those factors — which is why the Sequence & Series module and this one share their mathematics.