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Effective Interest Rate
The actual return on an investment or the actual cost of a loan, taking into account the effect of compounding interest.
Stated Interest Rate
The interest rate declared on a bond or loan agreement, not necessarily reflecting the market interest rate or effective interest rate.
Present Value
The current worth of a future sum of money or stream of cash flows, discounted at a specific rate.
Actuarial Information
Data and calculations used by actuaries to assess risks and determine premiums or forecasts for insurance and other industries.
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