This document contains examples and explanations of future value annuities, also known as sinking funds. It includes the mathematical formulas for calculating future values with payments made in arrear or in advance. Several word problems are provided as examples to demonstrate how to use the formulas to calculate future values based on regular deposits into investment accounts with compound interest. Step-by-step workings are shown for calculating future values based on scenarios like savings plans, home loans, equipment replacement funds, and missed deposits.