How to calculate PVIFA, or Present Value Interest Factor of an Annuity, depends on your particular financial calculator. In general, you input the information you have using the Present Value function and the calculator will use factor tables to generate an answer.
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-220 - 16 x 32?
4000. I'd suggest using a caculator next time, just calculate 20000 / 5*if you're going to be mean at least learn to spell calculator :)
480... WITHOUT using a calculator !
540... without using a calculator !