As I read over the material for this week and was brainstorming situations where I have used TVM( Time Value of Money) calculations, I will go back to 2001 when the idea of investing was presented to me via a family member. At that time I made two investment decisions. Both I placed 5000 each on. Quarterly they receive a percentage, whatever the going rate percentage is. Well recently the percentage increased. In this sense the initial investment was solid, yet over time the investments continue to accumulate. It's more valuable as time go along versus from the initial deposit. The number of years for my investments, how much will my investments made over all these years, the increase in percentage rates, how often will the percentage increase, the benefits for me is knowing how much as of today those investments have accumulated since 2001. Cash flow was somewhat impacted in the beginning because I sacrificed 10,000 total, 5,000 each investment based off my decision to invest at the percentage rate, now it not only have an increased percentage, which quarterly continues to make money of which will cash out at a future date