Câu 1:

Draw a time line.

dentify the problem as the future value of a lump sum.

Use the formula for the future value of a lump sum.
PV=0.05×$5,000,000=$250,000FVN=PV(1+r)N=$250,000(1.03)7=$307,468.47
The future value in seven years of $250,000 received today is $307,468.47 if the
interest rate is 3 percent compounded annually.

Câu 2
Value after 5 years would have been 24x(1.05)^5 = $30.63; after 50 years,
24x(1.05^50)- $275.22

Câu 3
Multiply the $1,000 payment by the 30-year discount factor: PV=$1,000 x
1/a.0515^30= $221.677

Câu 4
Investment advice will increase
4000=1000*(1+a)^5=> a=0.32%

Câu 5
First, to calculate the present value, the formula is to use the 7% rate to discount
the annual value of $10,000 as follows:
Formula for discounting = P / (1+r)∧n
Year 1        10,000/ (1.07)∧1       $9,345.79
Year 2        10,000/ (1.07)∧2     $8,734.39
Year 3        10,000/(1.07)∧3      $8162.98
Year 4        10,000/ (1.07)∧4     $7628.95
Total                                          $33,872.11

Secondly, to calculate the future value , formula is to multiply the annual value
by the 7% annual rate raised to the period.
Formula for discounting = P x (1+r)∧n
Year 1        10,000 x (1.07)∧1       $10,700
Year 2        10,000 x (1.07)∧2      $11,449
Year 3        10,000 x (1.07)∧3      $12,250.43
Year 4        10,000 x (1.07)∧4     $13107.96
Total 47507.39

câu 6
The rate is 4/48 = 0.0833, about 8.3 percent.
Câu 7
Present Value of Annuity Due:
The opposite of an ordinary annuity is an annuity due, which is when payments
are made at the beginning of each period.

annuity factor  PV=CF/r*(1-1/(1+r)^n)

PV=55000/7%*(1-1/(1+7%)^20)= 582.670
individual he need save = $582.670

Câu 8
($598.49)

Tổng tiền lãi 7.729

Tổng thanh toán 107,729