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Flap 1 Flap 2
Future value interest factor  a factor multiplied by today’s savings to determine how the savings will accumulate over time  
Annuity  a series of equal cash flow payments that are received or paid at equal intervals in time  
Compounding  the process of earning interest on interest  
Present value interest Factor  a factor multiplied by a future value to determine the present value of that amount  
Discounting  the process of obtaining present values  
Timelines  diagrams that show payments received or paid over time  
Annuity due  a series of equal cash flow payments that occur at the beginning of each period  

 
 
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