Because it is money you have paid or will be paying.
So if you have a checking account and you invest 500 dollars every month,
that money would be a debit every month (the money will be subtracted from
your account, it is money you pay out)


Regards,

Peo Sjoblom

"LaVerna" wrote in message
...
Why do you have to put a negative value for amount of payment and present
value?

LaVerna