HONEY MAE F.

MOSQUERA GRADE 11 ABM-A           January 29,2020

 My Reflection
In reflection after reading and analyzing my Learning Activity Sheets  5-9 in GenMath, I
gained knowledge about Illustrating simple and general annuities, distinguishing between simple
and general annuities, finding the future value and present value of both simple annuities and
general annuities, calculating the fair market value of cash flow stream that includes annuity and
calculating the present value and period of deferral of a deferred annuity.

First, Illustrating simple and general annuities. It is necessary to illustrate annuity

structure or arrangements in order for us to know or identify if the annuity structure is simple or
general annuity. The importance of knowing whether the problem or situation is simple annuity
or general annuity is that we can identify the formula that we must use in solving for the given
problem. In this lesson, I have learned to analyze illustration in presenting annuities in order for
me to classify if the illustration is simple or general annuity.  

Second, distinguishing between simple and general annuities. It is important to

distinguish simple and general annuity for future plans, for you to have a better choice of
investment options. If I am going to borrow or invest, I will prefer general annuity to follow, it is
because general annuity is an annuity where the payments do not coincide with the interest
periods. I see that it is very easy to deal with general annuities, once an equivalent interest rate
is determined with that equivalent rate being compounded as often as the payments are made.

Third, finding the future value and present value of both simple annuities and general
annuities. In this lesson, I have learned to analyze problems, finding the future and present
value of the the given problem and computing it by its formula. The important value that has
been embedded to me by the lesson is that I must be careful always in computing and always
read and analyze every problem that I may encounter. I can apply this lesson when I am going
to borrow money to provide my needs and then I will compute or monitor the annuity, may it be
simple or general  from the money I borrowed or invested.

Fourth, calculating the fair market value of cash flow stream that includes annuity. In this
lesson, I have learned to calculate the fair market value of cash flow stream that includes
annuity by its given formula. The important value that has been embedded to me is that always
be careful in solving a problem and always pick a better formula and solution. I can apply my
learnings in this lesson when I am going to purchase an equipment or invest in other companies
in the future.

Lastly, calculating the present value and period of deferral of a deferred annuity. In this
lesson, I have learned to recognize a given problem and solve or calculate the present value
and period of deferral of a deferred annuity. The important values that has been embedded to
me by the lesson is that in any problem in life that you may encounter there is always a solution
just be patient in finding it. I will apply my learnings in this lesson when I am going to calculate
my deposit to a savings account, monthly home mortgage payments, monthly insurance
payments and pension payments in the future.

In conclusion, learning these lessons and recognizing every part of it is important and
can benefit me as a student and my plans in the future.