In the accompanying figure, it is possible to convert the last bullet in slide 4 to become the 5th slide.
Definitions:
EAR
Effective Annual Rate; the real return on an investment, taking into account the effect of compounding interest.
APR
Annual Percentage Rate, representing the yearly interest rate charged on borrowed money.
Total Payments
The cumulative amount of money paid out or expected to be paid out over the duration of an agreement or loan.
Present Value Factor
A factor used to calculate the present value of a future amount, reflecting the time value of money.
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