THE IMPORTANCE OF THE TIME VALUE OF MONEYDETERMINING THE FUTURE VALUEDETERMINING THE PRESENT VALUEDETERMINING THE UNKNOWN INTEREST RATEDETERMINING THE NUMBER OF COMPOUNDING PERIODSTHE TIME VALUE OF A SERIES OF CASH FLOWSVALUING CASH FLOWS WITH DIFFERENT TIME PATTERNSLOAN AMORTIZATIONTHE CALCULATION OF INTEREST RATES AND YIELDSPRINCIPLES OF VALUATIONSUMMARY