BEVO 16 VIBES SIZE 1671704 1845649 46.9016 214570 11.46M 184202 BEBE SE ZELE ESTE OSE 9EEN 606E ZI SEW ESSES 760 LE 7. 1067 4.80 90 1999 EES 378.7212 65.0009 7.0400 10.2557 149745 213245 7.6123 OSCE EZYZ 2.6916 1.456922080 18114 EVE SE 174494 SEWS BILE BEWE DE SOOSLI UL97 899 1901 ES ZE ZEZ ESZI SEL926ER ISI 1191 ZILVDE 90LELE ESAS 60 55L BID 26 E!! S800 VODEE ELEBZZ LEVOZ 65B 575755 50.0656 62 25 EBDI DEE ZOOL BSE 205 ZIDDEL SE9G292 SESS SS 9. ZELOUSO ES BIZ 205616 ESITE BESETZ LET 5197 SWOLLE SEEE BEERTE ESES EX 668 E TE BOLIC BREIZ B95E ZE 999 I DE SEET DI 06L6CE 6197 SOE L'IZ 25292 ZLIZEZ 2290 DI ELLES 19E 158531 144210 12.1722 11.1671 LE 2662 BLE! STEE EILE 9%EZ ZZZ 102.9666 ZVE IIB 51117 1026 1.7410 BC BE799 SEL 572995 SSES 55.0004 13.1 100 10.3451 4.8223 ELZZZ 27 989 162051 L8851 1962 SEELE 2555E 1J069 1.6734 DEVEL 11. 2017 201611 2.8834 27725 2.6658 99512 ESECI 47.4141 40.5743 92 ZE' LERY 296ES6 17.0001 25 LSSEL DEED 50 SSSE ZEZZI LEXO LEVE 5.8074 54274 5.0734 4 405 198 EE 1522 E 8502 BLED 2 1962 DEDES EZE Z EV SEZ SE 6162 EEVO 6 L'E 151796 6.3412 EESS 1.6094 ZECI 56.3474 29LEDE 58715 SLEDE 915 EZ {97975 EE265 2900 LE EZTE 919E0C 019621 ESSEL EDO I ZI 187391 16.6256 147139 13.0211 E9201 SEED EXS68 EDDIE 19 BESE 15759 1.5460 WEVY 22 900S I VIBE SELEZE DEBE 22 771Z EZ 345915 21.6447 188215 16.3665 26.1954 22.5745 7.2579 6.6586 6.1085 5.6044 59EWS SEEDS ZASTI ZWEI MEZI SE BOLZ IS0097 SEE BE OUSSE DEVEE EOS SEOT 966EE 120CE 12 E5262 0982 EES 92 BEOGO! E59 8.9492 10623 15157 14359 95DIEZ B0961 SELE! LE 25'11 6.7275 LEBE 11612 21 1.2202 4.6610 43157 1975 6.1159 5.1417 1.7535 14565 12081 OSLE EE 2992 9ISEZ 500622 17726 16.7765 14.4625 142318 12.3755 12.0557 19.5752 760 EWD 82198 00692 EESCH SE 159 5919E 62EE %20E EVEZ OUZSZ 990 VE 61 BI EE2961 66555 4,7171 D96EE ES2D2 14292 1961'! 107613 992771 EDEE ZI SSC6 LLEIB 1986 E2902 09999 WEIS 50545 4560 9LLE 2.6926 2.544 0052 B2B 12 6476 DEZE I 17 16 1.1726 VEEBI 16.1715 14.1290 DEWI 92556 DIES 2.9522 109 BELEI 34259 3.1722 135.95 S5926 LE'S 5.4736 4.1772 SLOZ 1.1610 15 11.9737 10.1472 LES OU SUDDE GLELE E1929 EXS29 ESS SEYSE ZIDEE 23900 25795 96E2 BORT 6008. LIEL 1.5580 1.5126 ZEEZI 13459 1.3195 7.0757 LEE 567E ZLEEZ 56' 14 114199 9.5964 6.1575 9990 E LGELI VOIE EESSE SE EVE 5.90 19163 EL 72575 BIBY SESE 096BE ESYE BEIE 24098 2.2522 2.1329 2.01 22 1.6651 1.6010 12996 1.2582 9222 10859 DSELS EDSES SWEE 1.7953 1.4258 SESE SL SLE 2.1049 1.3542 1294 7.4301 6.1917 67757 5647 5.6240 4106 4.1064 5. 1173 44114 SALE BSDIE 9612 ZEISZ SLEEZ EISIZ 0665 DEI LESZ ZESZ 6SEZ 11 1.1157 1.1046 ZDZE 2.3674 22961 6SEL'S BEEL'S SSEY BESZE BE291 BEWE DI S6ES' DET EELYI 9 ESE 5.1598 47854 3.2519 6 GELSE DESDE 2.7731 24761 08952 SIDE 2 GIZ 92661 SWEE OVOCE 1592 925 Ez DCEDZ SES! ZBIZI EISS'I SILVI 1.3043 1.2668 11951 1.1717 BEZ SUSE VEZE 29525 2.1436 BEE 60' PIZDY ELEE BEEEZ ZIO E 13138 16058 LESSE 0962 SEOS'. SSBLE 96692 2.8353 2.4354 00892 TELE2 EZOS 2 09612 OL22 BELE 29002 WOLE 19487 1.7716 LOVE IDE SLEI ESCI 25652 15001 1.1441 1.1 262 1.1041 7 1.0721 61.0615 5 10510 1.0416 4 2.1904 1.844 16105 995 1912' 1992 ESOUZ EGSI 15969 143 1.3605 2.1008 1.8106 BI10C DEZ! 1783 1.5735 1.65 1.5181 90 BDIET 095 5292 1.27 1.2155 SE ZDZ DEE91 SDE 9 BET 1.1255 DEDI 9.90C BEEE 089 DIBEI BELET 9109 EBBE VI DIEEI 0921 GOVI BV 12997 9:51 10303 GOCSI SIZEI SIG 962 OSCI IBBI' 1.2250 1.1443 016! BELI 10612 1.9414 1.3456 IZER 1917 0061 102012 1.1907 1.0619 1.6800 DDICI 0001'1 9180' 000' 1.2000 009 1'! 1.1700 0051'! 1.1400 1.1700 1.0700 00901 COSO 10700 10100 DOEL %EL 006 %6 20% %6L %81 17% 16% %SL 14% 12% 11% %OL %8 7% 5% 4% n Future Value of a Known Lump Sum) Future Value of a Single Amount ($1 at the End of n Periods) (Used to compute the Compounded Appendix A-1 A-4 A-6 Appendix A-2 Present Value of a Single Amount ($1) (Used to compute the Discounted Present Value of Some Known Future Single Lump Sum) n 1% 2% %E 4% 5% 6% 7% 9% 10% 11% 13% 14% 15% 16% 17% 18% 20% 1 0.994 0.9174 0.9009 0.5475 0.9709 0906 0.5333 09615 09746 09574 0900 12% 0.99 29 07977 0.9299 0.8573 09091 08764 0.8772 0.75 2 0.800 VE 290 0.8116 07561 0762 0712 0.44 19% 0.3409 0700 0.9934 04957 0.85 47 0.7305 0.6244 05337 3 0853 0.9151 0.685 0810 08548 0.7831 0.0031 06133 03513 06680 0.7312 0658 0.8396 0701 0.7473 0.6750 1 06575 0.5718 0.5787 0.4873 4 09610 09038 08727 07679 0.7054 07350 0.6806 0655 0.5674 0.553 04751 05158 0.4371 5 0.7130 0.5499 0.5194 04972 0.4961 0.4190 0.9515 0940 0.9057 0.00 0.8219 0.7903 03595 07462 0.5995 0.5346 0.5425 0803 6.4019 0.3349 6 03050 0086 04104 03704 0.5625 0.075 0.6131 07894 06209 0.5645 0512 04665 7 03107 0.9327 09735 0.7999 0.7307 0.6651 0.6774 0.5835 05408 0.5470 0.5019 04517 04339 0.4523 04039 0.39% 03506 0423 0.3759 0.3769 0353 03050 0.3139 0.7661 03521 0.2999 07487 0.2791 0.2876 9 0.8535 06768 05820 0372 0.3332 02848 0.254 07180 9 0.7026 0.3075 0.2543 0.919 09053 0.5358 0208 06446 06139 0.5429 OSOBE 0.5919 0.5584 05258 0.9002 04632 0.4604 0424 0.3329 07946 04241 03855 03505 02530 02767 0.2255 01911 10 0.2090 01756 07441 03770 03909 03572 03173 0258 0.1615 0.1346 0.4751 0.804 0785 0.7224 07014 0.5496 0.9946 0.3575 03555 0.2507 0.730 0.2356 0.7075 0.2149 0.1869 0.1619 0.1372 0.1475 0.1240 12 4 0.5568 O AWO 03971 0.3166 0256 0.15 01172 0.1775 0.1570 0.1 299 0.1110 13 15910 14150 21163 0.6016 0575 04693 04493 02142 180 0.1675 0.1413 14 1935 0.0 79 0316 29 LED 2660 SOLD 0.1252 18797 0.8700 28613 08578 0.1985 17730 07579 4 M30 07784 05313 0.5051 0410 04581 43677 03405 03152 0.7919 12292 02046 41827 0161 1942 0.0876 20736 2 1921 0159 01401 01229 15 0.2997 0.263 4.2714 0.2176 0.1979 0.1229 0.1079 0.2575 02370 0.2090 0.1883 0.1616 0.1528 09953 05339 05134 04173 0386 0.3714 0.1591 0.1415 16 2015 0.0718 0032 0.2519 1069 ODBO 13634 03387 13166 02959 ODB!! 00618 17142 00929 17 1B 0.8444 08360 06050 05874 GA363 0.4155 12703 0.250 11252 01108 1078 01946 0.8902 000! 0.0693 00992 10451 00876 10 03503 0.1999 0.1300 22311 0.2120 0.145 0.1784 20601 0038 20431 00865 10521 0.01937 10367 0818 19 06151 22765 IBED 08277 0.8195 053 05537 JAMG 04564 0.367 03769 1335 03116 22317 02145 0.1635 0.1456 01 377 01740 21161 01037 0.0929 0.08 0.013 00611 1.0996 00514 10506 00433 70 06730 0.013 0.006! 0.0217 0.018! 21 16599 0439 0.3589 20758 00639 0.8443 18114 0.6034 15175 05219 22442 02775 12415 07257 1997 01639 0.1351 0.1728 21117 0100 10926 0086 10310 0.0316 2009 00 10291 0.018 22 04720 03416 0060 0.0560 0038Z 0.1637 0.1502 0.1378 0.1764 0.0531 00462 0.0402 00349 10142 9.00 23 74 17154 07876 05067 0819 0,457 0.3901 0.356 03101 42109 1971 01703 01577 0.1117 0.1015 0.0923 00738 0.0659 0.0601 0.0532 0.0329 06754 00210 00231 00222 001 0.0183 00154 0.015! 0.0126 0240 ODBIT 00431 25 14776 02330 00538 00471 001 17799 07770 9609 94650 0.3751 0.3607 1942 0.1772 0.1160 0.1064 0.0736 ODG63 10378 00831 10123 0.0109 0.010s 0.0087 26 0.0525 0.263 02812 0.2678 02551 0.0135 21461 0.1352 41252 01159 1.0314 0.0064 0.0230 0.0245 00211 0.0192 00157 04502 10197 00103 10144 00173 ODB9 0.0763 003 1794 07566 00291 00417 1010 0876 2014 0.1956 40115 21609 0.1504 00976 00895 9.0997 00538 0.0191 00077 0.0073 0.0061 78 05744 1371 0.3835 00419 0.0000 000 23 17413 05031 10922 0.0670 2012 14243 04170 0.3207 0.383 0.2429 02314 1.1946 0.1741 21406 01314 0.1073 01994 0.9495 0087 0031 00334 10791 0.0 56 10234 0.0136 1.0174 0.0151 9.0135 00116 10105 00090 10154 0.0054 0.0151 0004 30 07419 05521 0.0070 0.0573 0.0221 43 03166 0.2003 0.1420 1461 0010 20151 0.017 20110 16717 06080 14523 03715 0.0972 00543 20668 00339 10318 00134 0.0154 00054 20175 00072 0.0026 00006 0.0019 00004 20113 0.0008 20107 00001 50 07781 1407 DOWZ 00013 0.0185 00085 00014 0.0009 000 Appendix A-3 Future Value of a Series of Equal Amounts (an Annuity of S1 Paid at the End of each Period) n 3% 5% 8% 10% 12% 13% 15% 16% 18% 20% 2% 1.0000 7% 1.0000 11% 1.0000 14% 10000 17% 1.0000 1 1.0000 1.0000 10000 1.0000 1.0000 10000 2 2.1300 2010 1.0301 4064 2.0310 30909 4.1886 2.0500 3.1535 2.400 3.1216 4.2465 3 2.9600 3.1996 43746 2.0910 32464 2.0201 3.0604 41216 5.20 40 63081 20701 3.2149 4395 2.0930 3.2 751 45731 2. 1101 3.3421 2. 1000 3.3100 46410 21200 3.3744 4778 2.1 410 34396 49211 2.1531 34725 49984 2. 1601 3.5096 5.0665 2. 1701 3.599 5.1405 19% 1,0000 2.1991 3.5061 5.2913 2.1900 3.5724 52154 2.2001 3.5400 4 4.3101 4.5061 4709 5.3650 5 5.4160 6.630 56371 69753 6.2275 7.9129 5434 BJ 537 6.8771 8975 7.0144 9.2008 7.1542 94400 5.9547 7.5733 9.2004 7.2966 9.6880 7.4416 99 6 7. 1533 73359 7.7156 5.1010 6.1570 7.2.135 2857 8.3027 53091 64f4 76525 BB3 5.5756 6.8019 8.1420 9.5491 6.3525 81152 10.0690 12.299 66101 8.5355 103305 132328 7 7.9959 39228 106366 11.4139 147401 11.7720 14.7733 12.1415 153770 12.9199 16.2991 B 5830 10.25% 11.0785 9.7833 1 1.54 14.16.40 167220 10.4047 12.7573 15.4157 18.4197 110568 1376 167858 103087 9 13.5795 10.1991 11 A39 83998 99 114913 13.1 606 149716 16 09 11.0056 12.579 20.799 25.95 9.3685 9.75.46 10402 TOM 11.5068 12.1587 12.625 13.4121 10 22.3931 11.9780 13.8164 15.7835 17.6685 10.5825 17.0061 13.4854 15.00 58 16.6368 18.2919 20.0936 124576 1466 166.455 18977 13.0250 15.1909 17.5609 201403 12.5227 15.9000 19.9234 747129 10.4095 37.1 15 0853 193373 230445 772707 17.5185 21.32 15 25.9 29 30.850 190659 23.5213 287551 349311 11 18.512 21.386 19.5614 22.7137 12 21.8143 25.6502 15.9171 20.6546 24.1331 28.0991 29 0017 32.5229 39.5805 14.1900 156178 170863 13 22.9534 24.5227 13.5092 14.6802 149434 15.5 29 343519 17.7130 19.566 20.1406 22.5505 26.2116 3009149 29.9547 34.627 32 0587 37.5811 432187 508180 45.7445 54.849 14 26.7552 43.670 51.6595 210151 59.1999 72.6951 15 242149 27.1571 303743 34.4054 8424 185969 20.1569 609653 21.5756 23.6575 29.3609 33.0084 31.7725 35.949 37.2797 42.7533 40.4175 6.6717 16 39.1899 509604 779390 19.50 87.4421 16.0969 17.2934 17.299 TREB 18.4304 20.0121 19.6147 21.4123 GO 50 71,6730 47.5804 553 175 65 0751 75 8364 17 29.4040 47.1077 56. 1101 66.648 78.9791 93.4056 110.7546 130.0829 23.6975 25.6454 23 2 750 256725 282129 309057 137500 363856 25.1290 27.16B 30.5400 33.5590 37.3790 405555 113502 37 A502 36.9737 41.3013 217616 73 4144 25.1169 76 8704 53.7991 61.7751 25.5404 28.1374 30.5900 33.0860 16 40.5447 45.5990 51.1591 57.2750 44.5008 503959 56.9995 642078 48.8837 $5.749 63.09 72.0574 99.1176 in 341 789692 910749 12 58 2118 505.9906 128.116 154.7400 16. fi 41 4463 45200 54.140 98.6032 115.379 16.0185 51.1601 1083403 123 455 1466780 115.2650 136.1654 165.4160 20 29.7781 10.9468 21 44.5657 191.5434 20.8109 77.0 190 242974 23.2392 25.7531 744716 27.2990 25.7 160 76.9735 304 19 256755 30.5368 31.9692 342480 35.7193 38.5052 55.7545 .8733 31.6957 97.5076 92.4899 105.4310 1340210 206 3 448 12 72.2551 B1.218 91.5479 49005 299927 3303 16 9955 50 8156 236.4354 50 4229 55 456 608993 163646 104 3584 120 A360 1352970 1586586 1188101 137 6316 1992 754 114.168 134.5405 157.4150 153.6014 213.976 153.1985 180 1721 211.301 248.6075 225.0256 77 1.080 326.2358 392.484 23 41.4305 12 4579 344265 36.6179 390876 69.5319 76.76 120.2045 136.8815 283.3615 337.0 105 4 14.5000 102. 1741 11.1552 204945 53.461 58.176 63.2490 6. 64.0025 71.4077 79.5430 BR.1373 98.3471 109.18 18 121.0479 1347095 25 114.4113 471.9811 364993 38.5530 41.5459 443117 548545 99.1564 133.1139 1503339 155.6196 176.8501 151 3708 2083337 249.2140 2900B 292.1046 342.7676 3435095 4052721 402.0434 479.4305 76 51.1135 127.556 13.1059 34.7009 799544 6.3740 873508 109.7231 553388 112.962 2127990 2453120 259 5688 377.1041 27 25.242 22.030 29.5256 33.69 30.8209 35.340 32.1791 37.05 12 11.4504 35.7922 34.7549 40.5681 47.0842 74.4636 143.0756 159.8173 569.3740 1903 2364993 272 B92 137.5024 392.5027 02.0923 41.3778 4792211 56648 571.5723 681.1 116 581.8527 819.7233 16 479309 4266 58.4006 5781 B07 777.999 20 452 153 143.600 258.5834 552.5120 178.2972 199.000 214.5827 741.3877 3120997 356 3568 094474 790949 311.5226 967121 30 4.5754 647.480 52.9663 2.3327 735795 37.3455 5684 36.4069 790587 94.4618 95.0055120.7953 1547630199.6251 157.8671 2000 2903359 4065 903 9659 124. 1354 1132832 136.305 2990565 337.8334 5737701 815.084 164.340 442.9925 377.1897 4451 1779.090 2217.714 456.3032 5303113 2360.757 108. 984.0679 1 181.882 7341,856 40 1025 4160212 48.8954 60.4020 BA 345734 754013 1 12969 757.0914 1913.704 7400018 3459.500 5529.829 315 15.33 50 1163.06 1668771 1992 15090.50 2151309 4.17 A-10 Appendix A-4 Present Value of a series of Equal Amounts (an Annuity of S1 Received at the End of Each Period) (Used to compute the Discounted Present Value of a Stream of Income Payments) n %6 1% 00 2% 09604 1.9416 3% 0.909 6% 0984 7% 09346 8% 09259 12% 13% 14% 0.8850 0.6772 15% 06 16% 0621 10% 0.3209 1.7355 17% DR545 18% 0.8475 19% 08403 1 20% 0.8333 5% 0994 18994 23232 4% 09615 18561 27751 36299 2 11% 0909 1.7125 2.4437 1.9704 2.9410 09174 1.7591 2.5313 1.935 78786 1.5857 1.7533 2.5771 1.6581 2.3612 1.5467 2.3216 1.6257 2.2 BEZ 1.5656 2.178 1.5275 2. 1065 26730 7.678 2.4018 2.2459 mi 15 465 2.1995 2.6396 3.0576 3.352 3.2397 3.1999 3.9024 2.937 3.5460 43795 3.4651 42 174 3.3121 3.9877 1.0973 3604 2.8901 3.1772 4.5797 44518 4100 3.59 3.7743 3.8077 4.7135 56014 64770 2.9745 3.5172 3.9975 44.26 9 3.600 4.8534 5.7955 6.7782 76517 8.5660 94713 2.792 3.196 3.5892 3.524 5757 3.4976 54172 62303 70197 3.3572 3.75 45 41604 43553 464) 18887 4283 4.6329 5.7064 5.7456 7 3.5847 40366 2.706 3.3755 3.046 6001 5.5874 5.0830 45BB 3.8115 3.7057 47172 5.1461 5 67327 5.545 4.4873 4.2077 3.9544 7.3255 8.12 6.4532 7.108 5388 5.9713 6.5152 7.0236 46389 49464 53349 5990 6.1445 40776 43080 9 7.4353 5.5370 5.1317 41633 47716 5.0158 4345 46065 48332 50786 50 49676 53782 56502 59377 6.1944 1.8972 40310 41995 43771 6.7101 52161 441 11 103676 9768 6.2098 6.8017 7.3601 7. 83838 8.8577 9.2950 8.765 25099 6.7065 5.2337 85302 9.2576 9.9540 10.6350 48364 46560 4865 4.6105 21 9.3851 8.3064 3.5613 9.3936 7.5361 6.4924 5.9175 56603 5.1971 4.9854 112551 12.1337 130097 905753 11 344 si 44392 45397 64951 6.8137 7.1684 7.3567 7.6061 83577 64235 6.12.16 5303 5.11B 14 43992 49095 50081 50916 10.5631 9.9956 6.3025 5844 6.0001 61402 8.7455 9.1079 5.5831 5.7245 5.5474 8.2443 8.5995 5.2299 54575 5.5755 4.8023 4759 15 13 651 17.8 11.879 11.1154 1037 97172 B.0807 7.1909 68109 46755 7.3792 6.9740 16 17 13.5777 14.2919 12.5611 13.1661 10.5975 11.7741 10.1099 10413 3.8514 9.1216 3.3126 8.586 7.8337 B 16 6.6099 6.7791 5.9542 6.0402 5.1634 5.2733 6.3779 14.7179 15.53 16.3989 17.7260 11.6523 17. 1657 12.6599 13.1339 9.4456 9782 10.0991 103356 5.6585 5.7457 5.8178 5.405 5.446 5.5939 5.5845 43296 47746 4.8122 4.8435 3.2014 73016 18 19 10.5275 11.1581 9.3719 9.6086 83556 9501 6.5999 6.9360 15.685 4.9977 46 5.0833 50700 5.1009 5.1716 120653 7.6348 7.3658 6.904 13.7535 14.3038 14.8775 154150 5.8375 6.1250 6.1957 6.2999 6.3125 124522 11 4899 6.6331 20 21 18.0456 18.8570 15.3514 17.0112 135903 140792 90.5940 10.8355 3.5136 8.6487 7.9631 8051 1.4894 7.500 5.2732 5.31 5.3527 53837 5.4999 5.9288 5.9031 4.5696 48913 128212 10.01 7.1016 1445!! 6.0113 22 23 19.6614 20.4558 17.6580 18.2902 15.9369 16466 12.0416 12.3084 11.0612 11.7772 10.2007 10.3711 2.2972 9.44 34 9.5800 11156 8.7715 BB2 21757 87664 63597 6.3966 13.1630 13866 13.7996 14.099 1496 5.16 148568 7.5446 73184 7.7343 7881 6.M29 6.7901 6.8351 5.6275 5.6646 56954 5.7734 SMS 5760 7.165 7.729 2.29 29 7.3300 4914 4.9045 4,371 4.996 125944 105239 23481 6.0726 5.4509 21.2434 72.0032 18.9139 19.5735 11.4613 11.6536 9.226 90770 16.9355 17 4131 178768 163770 15.2470 155221 15.9929 16.3796 68779 6.9061 64339 6.4641 64906 65135 19291 26 77 22.762 73.5596 143752 14.680 1110032 13.2105 11.8258 11.966 108101 1085 9.1609 92372 9.3066 2962 9064 14991 85478 86116 7.3717 7.406 6.1 192 6.1364 5.7931 5.7975 S4914 54919 10.066 51922 5. 1951 52061 5.2151 52229 20.1210 703069 21.2913 218444 4.9563 4906 69352 28 M.3164 6.1520 4.9697 124162 13.590 12.1371 17.7777 11.0511 11.1554 6.9507 69680 6513 6.5509 59091 5.6204 19 9366 6.1656 19.7541 19.15 1160 23.1148 49747 166631 16. 9887 12.2920 19.1978 149981 15.1411 153735 17.1591 10.1161 10. 1988 122737 10.7574 7.4412 7.401 7.4957 1.644 S.S016 5.5098 5.5169 30 25.9077 8347 22.3965 773555 127648 15.04 4.9799 8.6501 26939 9511 80218 9.0552 8.2488 12.4191 12.3317 119107 1 1.2578 11.046 14299 97191 7.0027 7.1050 5.720 52347 5.252 40 6.6418 58294 5.87 13 5.3901 62335 49266 50 196 IEE 31.4236 257299 21.4922 1139 15.7619 122335 10.9617 19149 9.417 1305 7.6752 2.1327 66605 6.2463 5.5541 52623 4.9995 Use the tables (A-1, A-2, A-3 & A-4) in the Appendix to solve problems 1-4. This is a practice worksheet that will give you experience in determining the right table to use and how to use the time value of money tables. Post your answers on the Time Value of Money Forum. 1. Calculate the future value of $400 in 2 years that earns a 5 percent rate of return 2. Calculate the amount a person would need to deposit today with a 5 percent interest rate to have $2000 in 3 years. 3. You are offered $5000 now or $8000 five years from now. If you could earn 8 percent interest on the $5000, which is the better choice? 4. You want to have $3000 available to take a European trip after you graduate four years from now. How much (one lump sum) would you have to invest now if you could earn 7 percent interest to ensure you have the necessary $3000 at the end of four years? 5. Using the Rule of 72, calculate how quickly $1000 will double to $2000 at interest rates of: a 2 percent b. 4 percent c. 6 percent d 8 percent 10 percent e