\documentclass[10pt,a4paper]{article}

% Packages
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\usepackage{multicol}           % Allows multicols in tables
\usepackage{tabularx}           % Intelligent column widths
\usepackage{tabulary}           % Used in header and footer
\usepackage{hhline}             % Border under tables
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\usepackage{lastpage}           % Needed for total page number
\usepackage{seqsplit}           % Splits long words.
%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
\usepackage{wasysym}            % Symbols
%\usepackage[english,german,french,spanish,italian]{babel}              % Languages

% Document Info
\author{vicy12341}
\pdfinfo{
  /Title (finance-1000.pdf)
  /Creator (Cheatography)
  /Author (vicy12341)
  /Subject (Finance 1000 Cheat Sheet)
}

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% This two commands together give roughly
% the right line height in the tables
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% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
\newcommand{\mymulticolumn}[3]{\multicolumn{#1}{>{\columncolor{\RowColorName}}#2}{#3}} % For coloured multi-cols
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\color{TextColor}

% Header and Footer
\pagestyle{fancy}
\fancyhead{} % Set header to blank
\fancyfoot{} % Set footer to blank
\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Finance 1000 Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{vicy12341} via \textcolor{DarkBackground}{\uline{cheatography.com/144393/cs/34721/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}vicy12341 \\
  \uline{cheatography.com/vicy12341} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 17th October, 2022.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{x{2.43873 cm} x{2.53827 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Time Value of Money}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Discount rate }} = (1 + R) \textasciicircum{}T & exchange rate of time. R is the discount rate, T is is the \# of periods \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
{\bf{Compounding }} & Moving money into the future; T \textgreater{} 0 ; Result is called future value \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
{\bf{Discounting }} & Moving money to the past; T \textless{} 0 ; Result is present value \tn 
% Row Count 11 (+ 3)
% Row 3
\SetRowColor{white}
{\bf{Present Value }} = & Value in the future/ (1 +R) \textasciicircum{} T \tn 
% Row Count 13 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Money today is worth more than money tommorow bc money today can be invested} \tn 
% Row Count 15 (+ 2)
% Row 5
\SetRowColor{white}
{\bf{Steps to apply time value of money }} & 1. Draw a timeline and put cash flows on the line   2. Move cash flows to same period by using discount factor.   3. Once all cash flows are in the same period, we can add/ subtract them \tn 
% Row Count 25 (+ 10)
% Row 6
\SetRowColor{LightBackground}
{\bf{Annuity }} & Finite cashflows; Equal magnitude; (CF/R) x (‰1 −(1 +R)\textasciicircum{}-T) Ž \tn 
% Row Count 29 (+ 4)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}