Time Value of Money Finance - TVM Formulas & Calculations - Annuities, Present Value, Future Value

This Time Value of Money Lesson TVM covers all the basic concepts of the Time Value of Money that you would learn in Finance. In this tvm tutorial we cover simple interest, compound interest, present value formula, future value formula, annuity due, ordinary annuity, present value of annuities, future value of an annuity, intrayear compounding interest, and perpetuities. In this time value of money lesson we teach you by video using visualizations to help you understand how money and time works. If you study this finance tvm video tutorial in combination with what you leanr about the time value of money in your finance class, you should have a clear understanding when it is time to take your time value of money tvm test or exam. I’m glad that I could help you study for your finance time value of money exam.
0:00 Introduction to the Time Value of Money
0:49 Simple Interest Formula
2:16 What is Compound Interest ?
3:55 Future Value Formula & Compounding Interest
4:41 What is Future Value in Finance?
5:37 The Future Value Formula
6:26 What is an Annuity?
7:17 What is Present Value?
7:57 Present Value Formula & Example
8:36 Present Value of Future Cash Flow Series
9:46 Intrayear Compounding Interest
10:02 Intrayear Compounding Interest Formula
10:25 Future Value of Investment with Intrayear Compound Interest
12:43 Future Value of Annuity Monthly Compound Interest
13:40 Future Value of Ordinary Annuity
15:21 Future Value of Annuity Due
17:06 Present Value of Ordinary Annuity
18:35 Present Value of Annuity Due
20:07 What is a Perpetuity
20:34 Present Value of Perpetuity
What is simple interest?
What is compound interest?
What is an ordinary annuity?
What is an annuity due?
What is the present value formula?
What is the future value formula?
How to solve the present value of an uneven series of cash flows.
What is a perpetuity?
How to solve the present value of an ordinary annuity.
How to solve the present value of an annuity due.
How to solve the future value of an annuity due.
How to solve the future value of an ordinary annuity.
Present value of a perpetuity formula.
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[@Subjectmoney]

If you learned something from my video please like the video and subscribe to my channel. I truly appreciate your support!

[@RiAirgead]

Great vid but you need a better mic

[@ninotesorero353]

This is one of the best tvm lesson I've ever watched. I was able to know the difference between Ordinary Annuity and Annuity due... Thank you so much

[@bulelanimkazana1212]

i was lost but now u helped me and am ready for my test...u 100% more better than my professor

[@dieterkpexor9338]

One of the best TVM lectures I have come across. You break it down so simple. God Bless You

[@borderlinegeek8449]

I have mid-semester Monday and I was seriously doubting getting a pass, but now, I definitely feel more than ready. Thank you so much. Continue the great work.

[@yositasunintaboon4455]

I was so confused about the difference between ordinary annuity and annuity due! This is very helpful! Thank you so much for sharing.

[@simplynkule]

This video has just saved me. I had given up going to the exam. Thank you so much everything is well explained. 🙏

[@JAYBSMOOV23]

Was watching this to prepare for a finance course at my University (FIN3403 for any UCF students out there). I now feel very prepared for this course, and much more confident about passing with a great grade than before. Thank you for this video!

[@lovelyjanesalvador4982]

at first I was confused on what are the difference ordinary and annuity due. By this video the much easier way to understand opened on my mind! thankyou so much sir!!

[@lokeshganta1663]

Great teaching, very useful. Thank you and JESUS bless you

[@Subjectmoney]

Thanks for watching

[@ahmadshahbarekzai5725]

Thanks so much ! I've a test on this next week and it was a good bit confusing for me, but now it is so much clearer

[@Saolin247]

This video is very helpful, simple and clear explanations. I had a bit of struggle with calculating annuities or differntiating them but now I am confident with my understanding and applying the correct formulars. Thank you

[@muhammadtaimur6663]

For the very first time i am cleared to make diffrences between ordinary and due annuity

[@benyamina8174]

Thank you very much. The way you explained it is better than any professors I have ever met. Thanks

[@malianamalkan9749]

Thank you for the great work. You make it easy to understand the basic concept. I will definitely share this video to my 18 year-old daughter. By the way, in your last page of presentation, in your last sentence, I think it should have been written $1000 per month instead of per year.

[@tendamutende7481]

thank you so much you have explain in details and more clear the entire chapter 4 and 5 for me. well done and you are not helping me only but the entire generation in difficulties with corporate finance course.

[@BenaalbaVEVO]

this was rilly good ..i have a retake paper on 5th jan 2022 .. wish me luck

[@ajeetyadav1093]

Thank you so....this single video made my all concepts clear..... Thanks!

[@jalilsadat4430]

Thank you so much for the great illustration of time value of money

[@amnatariq3662]

Thankyou so much you helped me understand everything otherwise i was s confused. God bless you.

[@vidakwakye]

This was quite confusing to me before, but you've made it very easy for me to understand. Thank you👍🏾

[@SkiwiGaming]

The last problem was wrong. its actually $240,000 for the present value of a perpetuity. As: $1000/(0.05/12) = $240,000 Just a heads up!!

[@abdulqayyum-ek3bn]

Explained in very understandable and simplified way... great work! 👍

[@Blu5078]

Dear Sir, I will be taking finance management next term, and I am grateful to have come across your channel. New Subscriber.😁😁😁😁

[@Jovyjenn]

Thank you a lot, I was enlightened by everything. This videos very helpful ❤️

[@kbinyourface]

Thank you so much!! You helped me so much to understand all of this for my personal finance class!!!

[@majorsonic]

This video is great but the constant ads every minute is terrible. GFY

[@globalfinanceschool654]

What is Time Value of Money and more importantly, how does it affect your personal finance? The time value of money (TVM) is an important concept to investors because a dollar on hand today is worth more than a dollar promised in the future; the dollar on hand today can be used to invest and earn interest or capital gains. Read More Here: www.globalfinanceschool.com/blog-post/time-value-money

[@elijahmyers4331]

Interest rate wouldnt be exactly the equation initial investment × (1 + (int rate × # of periods) because every period increases the increment. For his example, after 1 increment of time, $100 at 10% int rate would be $110. But now, he's getting interest on $110 INSTEAD of his $100. Therefore, his next increment at 10% is $11 more, so he'd be at $121. Then, he would get $12.10 for his next increment, so he'd have $133.10, then 13.31%, so $150.81, then his total (after 5 increments) of $173.55, NOT $150.

[@elijahmyers4331]

....I just got to the second part lol

[@misturabello2262]

It was helpful and useful, thanks. will watch it over and over till i get it finally. Thank you

[@federicoalbojer9105]

Your very good at explaining, everything was crystal clear. Well Done and thanks.

[@nrjrj6142]

I would like to say thank you for your great explanation. Even I missed the class but I still can understand this topics.

[@nirmalbhatia9186]

Thanks for your time. It definitely made my life easy in understanding the basics.

[@cmmts]

This is an amazing concise explanation of Time Value of Money. Thank you so much!

[@kennedysan1045]

For the general ordinary annuity formula, do you know why it is to the power of 5? When only 4 of the payments are accruing interest? I cannot get my head around it.

[@iloveroblox.11]

thank you, I feel so smart now

[@AwesomeVanilla]

Thank you very much! You explain this very well and it is very helpful.

[@AdamuBig21]

YOU ARE THE BEST, simply

[@justelokossou2553]

Great video...Thanks so much

[@sandeepsahni360]

Thank you so much sir for such a wonderful lecture .God bless you. Keep going on.

[@lakpayonjan5823]

13:23, it sould be pmt =1000 not fv=1000, because you will receive it 1000 on monthly basis . then fv will be 12252.80. if i am not wrong

[@noah7007]

Thank you so much.. you are a star!

[@jasonjoseph5713]

Typo Error in your perpetuity slide example numerical. Very good video

[@htoolay6581]

Thanks, this is really helpful! It is very clear.

[@karanjajosephinewangari5462]

Thank you so much. This was very clear to me. I hope you do more videos.

[@debrataggart1687]

Excellent presentation. Very helpful. Thank you.

[@mahammeer954]

Thank You Soo Much Sir

[@srenyvas1]

Very good explanation and easy to understand. Keep doing with some more vidoes

[@trezzia]

thank you, i am enlightened

[@elmiraoganyan3903]

THANK YOU!!!!

[@Subjectmoney]

Thanks for watching

[@tMuch]

Thank you.. You simplified it for me.

[@donaldkimutai2129]

very helpful, thank you '

[@Mark-jy9dz]

Great work 💯 I like your explanations..

[@alvirafisher4479]

Easy to follow.. Great explaining. Thank you!

[@JB-zq5tp]

Wow... nailed it.

[@NjokiEthe]

Bless your hearts 💚

[@deonwhiteside4337]

Thanks for Breaking this down Barney style!!

[@leedarcy5344]

Excellent video. Thank you kindly

[@nomnom6136]

tnx a ton....... this vedio has really helped me to get a good clarity on the concept.

[@kateshaw2292]

Great video - I was really struggling to understand this but you explained it so well.

[@airasweet3345]

sgt membantu thank 😘

[@bettyrobinson2756]

Excellent Job! Thank you.

[@ahinsaj.g3897]

thank you very much sir

[@seriouslycat6056]

Good video, however it would be better to put text explanations at top for viewers using cell phone and pause to review. The bottom of screen bocks text when paused

[@TomsBumanis]

Great video. Thank you!

[@nafizfaruk19]

Thanks a lot! This helped me understand the concepts for my Finance course!

[@mudanalocheryl6607]

Thank you very much

[@johnq3543]

Very helpful, thank you.

[@jeremypickup9400]

Great video

[@mariatorres1190]

Thanks!

[@mariamalbatanoni4431]

Thank you so much

[@finda201]

In simple interest what does the 1 symbolise ?…. This is mentioned at the beginning when explaining simple interest ?

[@biofan234]

thank you for this explanation this was helpful

[@hezronmhagama3722]

It was really confusing before....but it is well understood

[@deandrebryant8114]

You da GOAT ✊🏽

[@divyeshvora2714]

Mate, You are awesome. Thank you :)

[@neemamoses7147]

Thanks a lot sir be blessed

[@majokchanuong9835]

thanks a lot. at least have understood everything in this video

[@estevado]

Great help, thank you!

[@Wolvofficial]

excellent educational video thank you

[@ramanoojsunchurrun3583]

very helpful

[@2005cronic]

I keep ending up with a wrong result on the perpetuity paid monthly. I calculate PV = 1000 / (0.05/12). My result is PV = 240000. What am I doing wrong?

[@zakiasultan1959]

just approximation made by your calculator

[@KarlaLopez-pc1wt]

Thank you. It was very helpful.

[@sosinadaba2430]

Bravo

[@mischaelsanhoboa8739]

thank you so much,It really helped me

[@kondwanibanda4367]

good explanation indeed

[@hammerhead19able]

That was very helpful. Thank you.

[@maxzynalcantara7179]

We will discuss this topic tomorrow in the morning, and we are so stressed coz our teacher doesn't want to teach to us her own lesson, Hopefully we can deliver it properly. 😕

[@Zohirul-Jewel]

Present value formula is initial investment/interest rate raised to the power of the number of years invested.

[@sudhanshunain4690]

I didnt understand the last perpetuity part , why did we divide by rate instead of 1 + r ??

[@rohinirsharma]

Reallly helpful

[@mr.wright7182]

Is the future value of money worth more? The Fed keeps printing and deflating the dollar

[@towkirahmedshawon9810]

Thank You Sir

[@joannwosu]

great tutorial

[@YelizAch]

Great ⭐️⭐️⭐️

[@lightscameraashish]

Great job! Thanks man! appreciate your effort. made it so clear and easy! :)

[@96mingo96]

10+ ads on a 20 minute educational video? Godspeed, capitalists.

[@spectrenm1863]

Thank you

[@tendaizvikomboreroparaffin3925]

helpful staff

[@soumyam6881]

Thank you, Can I download this video. I am not able to do so now.