In NSW not all engineers need to be registered If you re a professional engineer working on class 2 buildings or buildings with a class 2 part class 3 or class 9c buildings you may need to be registered Fair Trading registers professional engineers and design practitioners under the Design and Building Practitioners Act NSW Fair Trading to find out if you
— 2 PV Function Present Value The PV function is an Excel financial function that calculates the present value of an expected cash flow which can either be a loan or an investment based on a constant interest The syntax of the PV function is PV rate nper pmt [fv] [type] Rate It is the rate of interest per period nper The total
1 — For annual payments on the same loan use 12 percent for rate and 3 for nper PMT function examples Payment for annuity The PMT function is a financial function that returns the periodic payment for a loan You can use the PMT function to figure out payments for a loan given the loan amount number of periods and interest rate
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Related Loan Calculator Interest Calculator Investment Calculator In basic finance courses lots of time is spent on the computation of the time value of money which can involve 4 or 5 different elements including Present Value PV Future Value FV Interest Rate I/Y and Number of Periods N
— Because the interest is compounded 12 times a year we divide 7% by 12 to get the correct periodic rate and multiply 1 by 12 to have the right nper =PV C2/12 C3 12 C4 As you can see below with an interest rate compounded monthly the present value is much smaller which totally changes the answer to the original question
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