Make sure to learn NPV , PV , and FV early on in class . Understand these three key concepts and how they work . If you do , then it\ 'll be less hard to understand the course later on . Be careful if you\ 're taking this class with 104 , 106 , or any Jasso class . If you do , work HARD . I like Chung , he knows his stuff , which is why he\ 's not easy .