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present value factor The number by which an amount of money to be paid later is multiplied in order to derive the present value of that money. Obtain a free quote and experience health care that provides you access to affordable medical services. Burdened by credit card debt? Reduce all of your unsecured debts by 60% with our Debt Consolidation solution.   Homepage | Free Quote | Insurance FAQ | Glossary | Contact Us Copyright © 2001 - Apex Home Mortgage Refinancing Company