Abstract Time value of money concepts helps a manager or investor understand the benefits and the future cash flow to help the manager or investor if the future benefits will justify the initial cost of the project or investment. In this paper, I will explain how annuities affect TVM problems and investment outcomes. I will also address the impact of the following on TVM; interest rates and compounding, present value, opportunity cost, and annuities as …showed first 75 words of 686 total…

…showed last 75 words of 686 total…the investor/manager can quickly calculate the return on investment, they will be able to make a quicker decision in regards to the investment or budget decision. References: Albrecht, W., Stice, J., Stice, E., & Swain-Thomson, M. (2005). Concepts & <Tab/>Applications. 9th ed. Mason, OH: Thomson. Brealey, R., Myers, S., Marcus, A., & , . (2004). Fundamentals of Corporate Finance. <Tab/>4th ed. New York: McGraw-Hill/Irwin.