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Provide Comments to the response to 4-4 Problem below: Answer: = $57,971 Solutio

ID: 2770607 • Letter: P

Question

Provide Comments to the response to 4-4 Problem below:

Answer: = $57,971

Solution:

PV = C ÷ (1 + r )n

PV = $10,000 + $20,000 + $30,000 ÷ (1 + 1.035)3

0

1

2

3

$10,000

   $20,000

   $30,000

?

÷ 1.035

÷ 1.035

   ÷ 1.035

= $9,661.83      +

=$19,323.67             +

= $28,985.50

= $57,971

b.)   What is thefuture value of your windfall in three years (on the date of thelast payment)?

Answer: $63,561.68

Solution:

FVn = C X (1 + r)n
FVn = $10,000 + $20,000 + $30,000 (1 +1.035)3 = $63,561.68

PV = C ÷ (1 + r )n

PV = $10,000 + $20,000 + $30,000 ÷ (1 + 1.035)3

Explanation / Answer

Present Value

Year

Cashflows

PV Factor at 3.5%

Present Values

Future Value

Year

Cashflows

PV Factor at 3.5%

Present Values

Present Value

Year

Cashflows

PV Factor at 3.5%

Present Values

0 $10,000 1 $10,000 1 $20,000 0.966 $19,320 2 $30,000 0.942 $28,260 Present Value $57,580

Future Value

Year

Cashflows

PV Factor at 3.5%

Present Values

0 $10,000 1.071225 $10,712 1 $20,000 1.035 $20,700 2 $30,000 1 $30,000 Future Value $61,412
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