I found AH in 2003 from TV ad.  
   12 x 14.95 x 10yrs = $1,794  a bargain for me HTC maybe not so much.  
Using 8% annual interest, the present value of the annuities due actually comes out to be $1,238.30
(n = 10 annual periods * 12 = 120 monthly periods,    I/Y = 8% annual interest / 12 = 0.67% monthly interest,    PMT = -$14.95,     PV = ?)
Tell the missus this number; smaller cost for your hobby so you 
might avoid getting hit over the head with an iron.  
