Looking for TVM formulas

[Dave Britten]

Thanks everyone, that all helps a lot. So basically, if I were to generalize this to a form that assumes effective interest rate, and equal compounding and payment periods (like the 12C), it would look something like this, right? (Extra parentheses included for overly cautious clarification.)

PV * (1 + i)^n + PMT * (((1 + i)^n) - 1)) * ((1 / i) + B) + FV = 0

Where B = 0 for end-period payments, and 1 for begin-period payments.