Future Value of an Annuity F V = P M T i [ ( 1 + i) n − 1] ( 1 + i T) where r = R/100, n = mt where n is the total number of compounding intervals, t is the time or number of periods, and m is the

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If you have at least 30-years left before you can retire, and could earn 6% on the $35 payments if you invested them, future value calculations will tell you that the financial opportunity cost of paying for a data plan for the next 30-years will be