An investment will pay you or your heirs $5000 a year for 40 years. If the first payment is received 15 years from today and the discount rate is 5%, what is the total value of the policy today? I understand that I can get the current value with the formula of CF/(1.05^n) but repeating that 39 times isnt really realistic on an exam. How would I use a financial calculator to reach the answer of 43,333