Determine the future value of $22,000 under each of the following sets of assumptions (EV of $1. PV of $1. EVA of $1. PVA of $1. EVAD of $1 and PVAD of $1) (Use appropriate factor(s) from the tables provided. Round your final answers to nearest whole dollar amount.): 123 Annual Rate 12% 12% 12% Period Invested 10 years 5 years 12 months Interest: Compounded Semiannually Quarterly Monthly n Present Value $ $ $ 22,000 22,000 22,000 Future Value 27 TABLE 6 IN 1.0% 1.5% 1.00000 1.00000 1,00000 2.0% 3.0% 3.5% 4.0% 4.5% 50% 5.5% 6.0% 7,0% 8.09 1.00000 1.00000 1.00000 1.00000 1.00000 100000 1.00000 1.00000 1.00000 1.00000 1.00000 2 1,99010 1.98522 1.98039 197561 1.97087 196618 196154 195694 195238 194787 194340 193458 1.92393 191743 3 297040 2.95588 294156 2.92742 291347 2 89969 285609 287267 285941 234632 2.83339 2.80802 2.78326 2.75911 4 3,94099 391220 338388 3.85602 3.82861 3.80164 3.77509 3.74896 3.72325 3.67301 3.69793 3.62432 357710 353129 5 4.90197 4.85438 480773 476197 4.71710 467305 4.62990 438753 454595 450515 446511 4.38221 431213 423972 9.0% 10.0% 11.0% 12.0% 20.0% 1.00000 100000 100000 100000 190909 190090 189286 183333 2.73554 271252 269005 252778 3.48683 344371 340183 310648 4.10987 410245 403735 3.58873 1 Present Value of an Annuity Due of $1. (2+) PVAD= X (1+1) 6 2.5% 6 5.85343 5.78264 7 6.79548 669719 6.60143 630813 6.41719 S 7.72819 7.59821 B65168 747199 7.34939 832548 8.17014 9.16224 8.97087 723028 201909 10 9.56602 8.78611 9.30052 5.71346 5.64583 5.57971 551505 545182 5.32948 5.35998 5.27028 5.21236 4.99271 5.10020 4.38965 6.32855 624214 6.15787 607569 5.99553 5.91732 576654 562288 548592 7.11454 7.00205 689270 6.75637 668297 658238 632929 620637 603295 633482 7.87396 7.73274 7.59589 746321 7:20979 6.97130 733457 6.74664 699525 826879 8.43533 7.95220 8.10782 7.00169 731521 7.24689 8.60769 11 10.47130 10.22218 9.98259 9.75206 9.53020 9.31661 12 11.36763 1107112 10.78685 10 51421 10.25262 10 00155 13 12.25508 11.90751 11.57534 11.25776 1095400 10.66333 14 13 13374 12.73153 12.34837 11.98318 11.63496 11 30274 15 1400170 13.54338 13.10625 12.69091 1229607 11 92052 9.11090 8.91172 8.72173 8.53763 9.76048 9.52892 909254 9.30641 10 38507 10 1185 10 98565 10 68285 11.56512 986135 961852 10 39357 10 11708 10.89864 10 58965 11 22281 21 19.04555 1516864 17.35143 16.58916 25 2224339 21.03041 19.91393 18 88499 30 26.06579 24.37608 22.84438 21 45355 40 33.16303 30 36458 27.90259 25 73034 7.71000 13096 8.36009 8.02355 38687 8.49867 894269 853008 9.38184 9.83268 9.35765 890178 9.74547 924424 1029498 9.55945 9.06069 16 14.56505 14.34323 13.54926 13.38138 12.93794 12.51741 12.11839 11.73955 11.37966 11.83758 10.71225 10.10791 985137 9.31256 17 15.71787 15.13126 1457771 1405500 13.56110 13.09412 12.65230 12 23402 1123777 11 46216 11.10590 10 44665 954363 18 16 56225 15 90765 15.29187 14.71220 14.16612 1365132 11 16567 12 70719 12 27407 1186461 11 47726 10 76322 10 12164 9.75563 19 17.39827 16.67256 1599201 15 35336 1475351 14.18968 1365930 13.15999 12.68959 1224607 11 82760 11 05909 10.37189 9.95011 20 1822601 1742617 16.67846 15.97889 15.32380 1470984 14.13394 13.59129 13 08532 12 60765 12.15812 1133560 10.60160 15.87747 15.21240 14.59033 17.93554 1705837 16.24696 20 18845 19.01577 17 98371 23 80822 22 10250 20.58448 7.41766 7.30519 16073 4490 78615 14.00794 13.46221 12.95038 12.44992 11.59401 10.31515 10.12855 15.49548 1479864 14.15170 13 55036 12 46933 11.52876 10.70661 17.02189 16.14107 15.33310 14 59072 1127767 12.15841 11.19825 19.22966 18 01704 16.92866 1594907 1476495 1287858 11 72552 4.79079 4.69590 4.60478 3.99061 535526 521054 5.11141 432551 586842 5.71220 5.56176 460459 633491 614612 5.96764 481716 675902 653705 6.32825 501097 7.14457 6.83923 6.65022 519247 749506 720657 693770 532706 7.81369 749236 7.19417 541922 810336 774987 742355 553268 8.36669 798187 762817 561057 5.60608 819087 7.81056 547547 882371837916 797399 572956 902155 854879 811963 577463 920141 8.70162 824967 581219 9.36492 883929 836578 584350 9.51356 896333 8.46944 556958 998474 934814 8.78432 593710 10 36961 965011 902181 597472 10 750696 993567 923303 599592 TABLE 5 Future Value of an Annuity Due of $1 (1+i)-1 x (1+1) FVAD= - 4.0% 4.5% 6.0% 7.0% 1.0% 1.5% 2.0% 2.3% 3.0% 3.5% 5.5% 8.0% 9,0% 10.0% 11.0% 12.0% 20.0% 1 10100 1.0130 1.0200 10250 1.0300 10350 1.0400 1.0450 1.0500 1.0550 1.0600 10700 1.0800 1.0900 1.1000 11100 1.1200 2 2.0301 2.0452 2.0604 2.0756 2.0909 21062 21216 21370 21525 21680 2:1836 22149 22464 22781 2.3100 2.3421 23744 3 3,0604 3.0909 3.1216 3.1836 3.2149 32465 32782 3.3101 33423 3.3746 34399 3.5061 35731 36410 3.7097 3.7793 4 4.1010 41523 42040 4.2563 4.3091 43625 4.4163 4.4707 4.5256 45811 4.6371 4.7507 48666 4.9847 5.1051 52278 5.3528 5 51520 52296 53081 5.3877 5.4684 55502 5.6330 5.7169 5.8019 58881 5.9753 6.1533 63359 6.5233 67156 6.9129 71152 1.2000 26400 4.3680 3.1525 64416 $.9299 M 6 6.2135 6.3230 6.8953 6.4343 6.5474 6.6625 6.7794 7.0192 7.1420 7.2669 7.3935 7 7.2857 7.4328 7.5830 7.7361 7.3923 80517 82142 8.3800 85491 8.7216 8.8975 8 8.3685 $5593 8.7546 8.9545 9.1591 9.3685 95828 9.8021 10.0266 10.2563 10.4913 9 9.4622 9.7027 9.9497 10.2034 10 4639 10.7314 11.0061 11.2882 11.5779 118754 12.1508 10 10.5668 10 8633 11.1687 11.4835 11.3078 12 1420 1248641 12.8412 13.2068 13.5835 13.9716 11 11.6825 12.0412 12.4121 12.7956 13.1920 13.6020 14.0258 12 12.8093 13.2368 13.6803 14.1404 14.6178 15.1130 15:6268 13 13.9474 14.4504 14.9739 15.5190 16.0863 16.6770 17.2919 14 15.0969 15.6821 16.2934 169319 17 5989 18.2957 19.0236 15 16 2579 169324 17.6393 18.3802 19 1569 19 9710 20 8245 16 17.4304 18.2014 19.0121 195647 20.7616 21.7050 22.6975 17 18.6147 194894 204123 21.3863 224144 23.4997 246454 18 19 8109 207967 21.3406 229460 241169 25 3572 26 6712 19 21.0190 22 1237 23.2974 24.5447 25.8704 27 2797 28 7781 20 22.2392 234705 24.7833 26 1833 27 6765 29.2695 30.9692 21 23.4716 24.8376 26.2990 27.8629 29.5348 25 28 52 305140 32.6709 35.0117 37 5530 30 35.1327 38.1018 41.3794 45 0003 49 0027 40 49.3752 55,0819 61.6100 69 0876 77 6633 5.0% 31.3259 40 3131 53.4295 87 5095 14.4640 14.9171 16 1599 16,7130 17.9321 18.5986 19.7841 20.5786 21.7193 22.6575 15.3856 17.2868 19.2926 214087 23.6411 33.2480 35.3034 433117 46.3706 61 7524 58.3283 98 8265 111 8467 126.5398 1441189 37.5052 50 1135 69.7608 76.4194 23,7417 24.5404 25.9964 25.8551 27.1324 28.4812 29.9057 280636 29.5390 31 1027 32.7600 30 3714 32 0660 33.3683 35.7856 32.7831 34.7193 36.7861 38.9927 39.8643 53.9660 15.8699 17.8821 20 0151 16.8535 17.9771 19.1406 20 4953 215505 232149 22.2700 24 1290 26.1521 24.6725 263881 29 3241 7.6540 7.9228 9.2598 9.6366 10.9780 11 4876 128164 13.4566 14.7836 15.6455 165603 8.2004 8.4872 8.7833 9.0590 11.9159 10.0285 10.4159 108594 11.2997 15.4991 12 0210 12.5795 13.1640 13.7757 19.7989 14 1929 149374 15.7220 16.5487 24.9587 17.5312 18:5614 19.6546 31.1504 41.3923 48.0057 54.4568 58.1564 676765 78.9544 83.3017 101 0730 122.3459 164 0477 213 6096 279.7810 19.1407 21.9534 25.0192 28.3409 32 0034 27.2129 29.8402 32,7502 35.9737 32.9990 364502 36 3790 40 4463 39.9955 44.7620 43.8652 49 4229 20.3843 23 5227 26.9750 30.7725 34.9497 21.7132 23.1331 25.2116 27.0291 29.0949 31.3926 33 4054 362797 38.1899 41.7533 39.5447 43.5008 47.8837 40.3013 44.5992 49.3959 54.7497 45.0185 50.1591 55.9395 62.4397 50 1601 562750 63.2028 71.0524 55.7645 63.0025 71 2651 50.6957 38.5805 47.4966 58.1959 710331 564421 104.9306 127 1167 1537400 185 6880 224 0256 61.8733 70.4027 30.2143 91.5026 270.0307 92.3240 108 1818 126.9988 149.3339 566 3773 148 5752 180.9434 220.9132 2702926 1418.2579 368 2919 486 8518 645 8269 859 1424 $3126294 TABLE 5 Future Value of an Annuity Due of $1 (1+1)-1) FVAD= x (1+1) nt 1.0% 1.3% 2.0% 2.5% 3.0% 3.5% 4.0% 4.55 1 10100 10150 10200 1.0250 1.0300 1.0350 2 20301 20452 2.0604 20756 2.0909 21062 3 30004 3.0909 3.1216 31525 3.1836 3.2149 4 41010 41523 42040 42563 43091 4.3625 55502 3 51520 52296 53081 5.3877 5:4684 6.5474 6.6625 6,7794 6 6.2135 6.3230 6.4343 6.5983 7.0192 7 7.2857 74328 7.5830 7.7361 78923 0517 8.2142 8.3800 3685 85593 8.7546 89545 91591 9.3685 9.5828 9.8021 9.7027 99497 102054 10 4639 10 7314 11.0061 11.2882 11 1687 11.4815 11 8078 124164 12.8412 1 9 10 10.5668 10 8633 12 1420 1,0400 10450 21216 2.1370 32465 3.2782 44163 44707 5.6330 5.7169 16 17.4304 18.2014 19.0121 19.8647 20.7616 21.7050 22.6975 25.7417 17 18 6147 194894 20.4123 21.3863 22 4144 23 4997 246454 258551 18 19.8109 20.7967 21 8406 229460 24.1169 25 3572 266712 28.0636 19 21 0190 22 1237 23.2974 245447 25.8704 272797 28 7781 30 3714 20 22.2392 23.4705 24.7833 26 1833 27 6765 29 2695 309692 32.7831 21 21.4716 248376 26.2990 27.5629 25 28 5256 305140 32 6709 30 35.1327 38 1018 41.3794 40 493752 55.0819 29.5348 31.329 350117 37 5530 40 3131 45 0003 49 0027 53 4295 61.6100 69.0876 77.6633 875095 11 11.6825 12.0412 12.4121 12.7956 13.1920 13.6020 14.0258 14.4640 14.9171 15.3856 12 12 8093 13.2368 11 6803 141404 14.6178 15.1130 156268 16 1599 167130 172868 13 13.9474 14.4504 14.9739 15.5190 16 0863 16 6770 17.2919 179321 18 3956 19 2926 14 15.0969 15.6821 16.2934 16.9319 17.5959 18 2957 19.0236 19.7841 21.4087 15 162579 16.9324 17.6393 18.3802 19 1569 19 9710 208245 21 719) 22 6575 236411 20 5786 5.0% 10500 21525 33101 4.5256 45811 55019 5.8881 33.2450 35.3034 433117 38 3283 98 8265 5.5% 10550 21680 24.5404 27.1324 29 3390 32 0660 347191 7.1420 7.2669 7.3938 7.6540 85491 8.7216 B3975 9.2598 100266 102563 10:4913 109780 11 5779 11.8754 12.1808 13.2008 13.5835 13.9716 46 5706 501135 63.7524 69 7608 111 5467 1268398 37.5052 39.8643 539000 764194 1441159 6.0% 7.0% 8.0% 1.0600 10700 1.0800 2.1836 22149 22464 2.2781 23100 23421 33746 34199 3.5061 3.5731 3.6410 4.6371 4.7507 48666 49547 5.1051 59753 6.1533 6.3359 6.5233 67156 5.4872 8.7833 9.0990 10 4359 108594 11.2997 12.5795 13 1640 13.7757 13 4866 14.1929 14.9374 15.7220 1487 147836 15.6455 16.5603 175312 18:5614 196546 7.9125 5.2004 100285 11 4876 12.0210 191821 15.8699 16.5555 17.8821 19.1406 20 0151 215505 22:2760 24.1290 24.6725 26 5881 25.9964 27,2129 29.5402 26 4812 29.9057 12.9990 31.1027 32.7600 36 3790 33.5683 35.7856 39.9955 367861 38 9927 43 8652 42.3923 38 1564 83 3017 164 0477 99196 9.0% 10.0% 11.0% 12.0% 1.0900 1.1000 1.1100 11200 23744 17.9771 20 4953 232149 26 1521 29 3243 48.0057 54.4568 676765 78.9544 101.0730 122.3459 211.6096 279 7810 19.1407 20.3543 21.7132 231331 21.9534 23.3227 25 2116 270291 25.0192 26.9750 29 0949 31-3926 28.3609 30,7725 31.4054 36.2797 32.0014 349497 38.1899 41.7533 32.7502 35.9737 39.5447 43.5008 47.3837 364502 40.3013 44.5992 49.3959 54.7497 40 4463 45 0185 501591 55.9395 67.4397 44.7620 50 1601 16.2750 63 2028 710524 49 4229 557645 61.0025 71 2651 30.6987 61.8733 70.4017 92.3240 108 1818 148 5752 180 9434 368 2919 456 518 20.01 3.7097 3.7793 43650 52270 5,3528 6.9129 7.1152 64416 89299 12000 001-97 11.9159 154991 197919 249547 31 1504 38.5805 47.4966 58-1959 71 0151 36 4421 104.9306 127 1167 1532400 185 630 2240256 30.2143 91.5026 270.0307 126 9988 149.3339 366 3773 220 9132 2702926 14182579 645.3269 859 1424 85126294 TABLE 4 Present Value of an Ordinary Annuity of $1 1-1 (1+f* PVA= ni 1.0% 1.5% 2.0% 4.0% 5.0% 0.95238 2.5% 3.0% 3.54 4.5% 5.5% 6.0% 7.0% 1 099010 098522 0.98039 0.97561 097087 096615 096154 0.95694 094787 094340 095458 2 1,97040 195588 194156 1.92742 191347 1.89969 188009 1.87267 185941 134632 183339 2.94099 291220 288388 285602 282801 2.80164 2.72325 2.74896 2.69793 267301 4 390197 385438 390773 3.76197 3.71710 3.67308 362990 358753 354595 3.50515 346511 3 483343 478264 4.71346 4.64583 457971 451505 445182 438998 432948 427028 421236 8.0% 092593 180802 1.75326 262432 257710 3.38721 331213 4.10020 399271 2.77509 E 6 5.79545 5.69719 5.60143 5.50813 5.41719 5.32855 5.24214 5.15787 5.07569 4.99553 491732 4.76654 7 6.72819 659821 647199 634939 6,23028 611454 6.00205 519270 5.78637 568297 5:58238 5.38929 1 765168 7.48593 7.32548 7.17014 701969 6.87396 6.73274 6.59589646321 19 8.56602 836052 16224 797087 7.78611 7.60769 7.43533 7.26879 7 10782 10 947130 922218 8.98259 75206 53020 $31661 8.11090 7.91272 7.72173 753763 6.33457 4.62288 520637 620979 5.97130 574664 650169 6.31523 624689 7:36009 7,02358 671008 9 022569 9.0% 100% 11.0% 12.0% 20.0% 091743 090909 090090 039286 083333 1.75911 173554 171252 169005 152778 2.53129 243655 244371 240185 21064 323972 316987 310245 3.03735 258873 388965 379079 369590 360478 299061 448591 4.35526 4.23054 411141 3.32551 5.03295 486842 471220 456376 360459 553482 5.33493 514612 496764 383716 599525 5.75902 553705 532825 403097 641766 614457 588925 565022 419247 11 10.36763 10.07112 9.78685 9.51411 9.25262 9.00155 8.76648 852592 8.30641 8.09254 7.85687 7.49867 7.13896 6.50519 649506 620452 5.93770 4.32706 12 1125508 10.90751 1057534 10 25776 9.95400 966333 9.38507 9.11858 886325 861852 7.94269 7.53608 7.16073 681369 649236 6.19417 443922 13 12.13374 11.73153 11.34837 10.98319 10 63496 10.30274 9.98565 968285 939157 911708 5268 8:35765 7.90378 748690 7.10336 674987 642355 453268 14 13 00370 1254338 1210625 11 69091 11 29607 1092052 10 56312 10 22253 989864 9.58965 929498 7.78615 7.36669 698187 662317 461057 15 13.56505 13.34323 1284926 12.38138 1193794 11 51741 1111839 1073955 10.37966 10:03758 971225 $06069 760608 7.19087 681056 467547 874547 824424 9.10791 55948 16 14.71787 14.13126 1357771 13.05500 1254110 12.09412 11.65230 11.23402 16.83777 10.46216 10.10590 9.44665 5.85137 8.31256 7.82371 737916 697399 472954 17 1556225 1490765 1429187 13.71220 13 16612 12 65132 1216567 11 70719 11 27407 1086461 1047726 9.76322 9.12164 54363 02155 754879 711963 477463 18 16.39827 15.67256 1499203 14.35336 11.75351 13.18968 12.65930 1215999 11.68959 1124607 1082760 10 05909 9.37189 875563 20141 7.70162 724967 481219 9.00360 19 1722601 16 42617 15.67846 1497889 1432380 1370954 13 13394 12 59329 12.08532 11.60765 11.15812 10.33560 895011 36492 783929 736578 484350 20 18.04555 17.16864 1635143 15.58916 1487747 1421240 13.59013 13.00794 12 46221 1193038 11.46992 10.59401 921315 912855 851356 796333 746944 456955 9.29224 8.64569 507507 7.56200 439132 11 18.35698 17.90014 17.01121 16.15455 15.41502 14.69797 14.02916 13.40472 1282115 12.37524 11.76408 10.83553 10.01650 982258 907704 842174 734314 494759 25 22.02316 20.71961 19.52346 1842438 17.41315 16.48151 15 62208 1482871 1409394 11.41393 1278336 1165358 10 67476 30 25 80771 24 01554 22.39646 20.93029 19 60044 1839205 17.29203 16 28189 15 37245 1453375 1376483 12.40904 1125778 1027365 942691 169379 05518 497894 2991585 27.33548 25 10278 21.11477 2135507 19.79277 18 40158 17.15909 1604612 15.04630 13.33171 11 92461 10.75736 977905 895105 824378 499660 40 32 13409 TABLE 3 Future Value of an Ordinary Annuity of $1 FVA => (1+1)-1 1 1 2 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 1.0000 1:0000 1.0000 1.0000 1.0000 1.0000 20100 20150 2:0200 2.0250 20300 20150 20400 3 3,0301 3.0452 3.0004 3:0756 4 4.0004 4.0909 4.1216 4.1525 51523 5.1010 5:2040 5.2563 S N 6 6.1520 6.2296 6.3081 6.3577 6.4654 6.5502 6.6330 77.2135 7:3230 7.4343 7.5474 7.6625 7.7794 7.8983 8 82857 8.4328 8.5830 8.7361 $8923 90517 9.2142 9 9.3685 9.7546 9.9545 10.1591 10.3685 10.5828 9.5593 10 10.4622 10.7027 10 9497 11 2034 11 4639 11.7314 12.0061 11 11.5668 11.8633 12.1687 12.4835 12.8078 13.1420 13.4564 12 12.6825 13.0412 13.4121 13.7956 14 1920 14 6020 15.0258 13 13 8093 14.2368 14.6803 15.1404 15 6178 16.1130 166268 14 14.9474 15.4504 159739 16.5190 17.0863 17.6770 18.2919 15 16 0969 16.6821 17.2934 179319 18.5989 19.2957 20.0236 16 17.2579 17.9324 18.6393 17 18.4304 19.2014 20 0121 18 19.6147 21 4123 20 4894 19 20 8109 21.7967 22 5406 20 22 0190 23.1237 24.2974 4.5% 1,0000 10000 2.0450 3:0909 3.1062 3.1216 3.1370 4.1836 4.2149 42465 4.2782 $3091 5,3625 5.4163 5.4707 21 23.2392 24.4705 25.7833 30 34.7849 37.5387 40 5681 40 48.8864 54.2679 00 4020 19.3502 20.1569 20.9710 21.8245 20 8647 21.7616 22.7050 23 6975 22 3863 23 4144 244997 25.6454 23.9460 25.1169 26.3572 276712 25.5447 268704 28.2797 29.7781 27.1833 43.9027 67 4026 28.6765 47 5754 75 4013 5.0% 10000 2.0500 31525 4.3101 55256 13.8412 14.2068 154640 15.9171 17.1599 17.7130 18.9321 19.5986 20,7841 21 5786 6.5019 6.7169 6.9755 6.8881 7.1533 8:1420 8.0192 82669 8.3938 86540 9.3800 9.5491 9.7216 9.8975 10.2598 11.2563 10.8021 11.0266 11.4913 11 9780 12 2882 128754 12.5779 138164 13:1808 22.7193 23.6575 24.7417 25,8404 281324 26.8551 30 5390 290636 33.0000 31.3714 5.5% 6.0% 7.09 8.0% 9.0% 1.0000 1.0000 10000 20550 1.0000 10000 20600 20700 20800 31836 3.2149 3.2464 3.2781 43746 4.4399 4.5061 4.3423 4.5731 5.5811 56371 5.7507 5.8666 59847 3.1680 14.5835 16.3856 182868 20 2926 22.4087 14.9716 16 8699 18 8821 21 0151 23.2760 24.6411 26.9964 29 4812 25.6725 28 2129 30.9057 32.1027 33.7600 34.3683 36.7856 10.0% 11.0% 12.0% 1,0000 10000 10000 2.0900 21000 2:1100 2.1200 3.3100 3.3421 3.3744 47097 47793 46410 61051 62278 63528 7.3359 8.9228 10.6366 12.4376 144366 7.9129 7.5233 7.7156 9.2004 97833 9.4872 11 0285 11.4359 13.0210 13.5795 15 1929 15.9374 15.7836 16.6455 17.5603 18.9771 17.8885 201407 201406 21.4953 22.9534 22.5505 24.2149 260192 25.1290 27.1521 29.3009 8.1152 10.0890 11.8594 12.2997 14 1640 14.7757 17.5487 18.5312 21:3843 24 5227 27.9750 31.7725 167220 19.5614 227132 26 2116 30.0949 34 4054 20.6546 24 1331 28 0291 32.3926 37.2797 27.8881 30.3243 33.0034 35.9497 39.1899 42,7533 30 5402 33.7502 369737 40.5447 44 5008 48 8837 41.3013 37/4502 33.9990 45.5992 50.3959 55,7497 37.3790 460185 41.4463 51.1591 56.9195 63.4397 40.9955 45.7620 51 1601 57.2750 64.2018 22.0524 20.0% 1.0000 22000 3.6400 5.3680 74416 9.9299 12.9159 164991 20.7989 259587 32.1504 39,5805 48.4966 59 1959 72.0351 87.4421 105.9306 128 1167 154.7400 1866880 33.7831 35.7193 37.7561 44.5652 50.4229 39.9927 30.2695 31.9692 61.0071 664385 72.4355 79.0582 51.6227 56.0549 94 4608 113 2832 845503 950255 107.0303 120.7998 136.6056 154.7620 199.6351 259.0565 337.8824 442.5926 581.8261 767 0914 7343 8578 56.7645 225.0256 64.0025 $1.6987 72.2651 136.3075 164.4940 199.0209 241 3327 1181.8816 TABLE 2 Present Value of $1 $1 PV == (1+0) n 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 20.0% 1 099010 098522 0.98039 097561 0.97087 0.96618 096154 0.95694 095238 0.94787 0.94340 093458 0.92593 091743 0.90909 090090 0.89286 0.83333 2 0.98030 0.97066 0.96117 095181 0.94260 093351 092456 091573 090703 0.89845 089000 0.87344 085734 084168 0.82645 081162 079719 0.69444 3 0.97059 0.95632 094232 092860 091514 090194 088900 0.87630 0.86334 0.85161 0.83962 081630 0.79383 0.77218 075131 073119 0.71178 0.57870 4 0.96098 0.94215 092385 0.90595 033849 087144 085480 0.83856 0.82270 0.80722 0.79209 0.76290 0.73503 0.70843 068301 0.65873 063552 0.48225 5 095147 0.92826 090573 088385 036261 084197 0.82193 080245 0.78353 0.76513 0.74726 0.71299 068058 0.64993 062092 0.59345 0.56743 0.40188 60.94205 0.91454 0.88797 0.86230 0.83748 0.81350 0.79031 6.76790 0.74622 0.72525 0,70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.33490 7 093272 090103 087056 084127 0.81309 0.78599 0.75992 0.73483 0,71068 0.68744 0.66506 0.62275 0.58349 054703 051316 0.48166 0.45235 0.27908 $ 0.92348 0.88771 085349 082075 0.78941 0.75941 0.73069 0.70319 067684 0.65160 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.23257 9091434 087459 083676 0.80073 076642 073373 0.70259 0.67290 064461 0.61763 0.59190 054393 0.50025 0.46043 042410 039092 0.36061 019381 10 090529 086167 082035 078120 074409 070892 0.67556 0.64393 061391 058543 055839 050535 0.46319 042241 038554 035218 0.32197 016151 11 0.89632 0.84893 0.80426 0.76214 0.72242 0.65495 0.64958 0.61620 0.55465 6.55491 0.52679 0.47509 0.42888 0.38753 0.35049 0.31728 0.28748 0.13459 12 0.88745 083639 0.78849 0.74356 0.70138 066178 062460 0.58966 0.55684 0.52598 0.49697 0.44401 0.39711 0.35553 031863 0.28584 0.25668 0.11216 13 0.87866 0.82403 0.77303 0.72542 068095 0.63940 060057 056427 0.53032 0.49856 0.46884 0.41496 0.36770 0.32618 0.23966 025751 0.22917 0.09346 14 0.86996 081185 0.75768 0.70773 066112 061778 0.57745 0.53997 050507 0.47257 0.44230 0.38782 0.34046 0.29925 026333 023199 020462 007789 15 0.86135 0.79985 0.74301 069047 0.64186 0.59689 0.55526 051672 0.48102 0.44793 041727 036245 031524 027454 0.23939 0.20900 018270 0.06491 16 0.85282 6.78803 8.72545 0.67362 0.62317 0.57671 17 034438 077639 0.71416 0.65720 060502 055720 18 083602 0.76491 070016 064117 0.58739 0.53836 19 082774 075361 0.68643 062553 0.57029 20 0.81954 074247 067297 061027 0.55368 0.53391 0.49447 0.45811 0.42458 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 0.05409 051337 0.47318 043630 040245 0.37136 031657 0.27027 023107 0.19784 016963 0.14564 004507 049363 045280 041552 038147 0.35034 0.29586 0.25025 0.21199 0.17986 015282 0.13004 0.03756 0.52016 0.47464 0.43330 0.39573 0.36158 0.33051 0.27651 023171 0.19449 016351 0.13768 0.11611 0.03130 0.50257 0.45639 041464 0.37689 034273 0.31180 0.25842 021455 0.17843 014864 0.12403, 0.10367 002608 21 681143 6.73150 0.65978 0.59539 0.53755 0.48557 0.43583 0.39679 0.35894 0.33486 0.29416 0.24151 0.19866 0.16370 0.13513 0.11174 0.09256 0.02174 24 0.78757 0.07954 062172 0.55288 0.49193 0.43796 039012 0.34770 031007 0.27666 024698 019715 015770 0.12640 0.10153 0.08170 0.06588 001258 25 077977 068921 060953 053939 047761 042315 0.37512 033273 0.29530 026223 0.23300 018425 014602 0.11597 0.09230 0.07361 005882 001048 28 0.75684 0.65910 057437 050088 043708 038165 033348 029157 025509 022332 0.19563 0.15040 0.11591 0.08955 0.06934 005382 0.04187 000607 29 0.74934 064956 056311 048866 0.42435 036875 032065 027902 024295 021168 0.15456 014056 0.10733 0.08215 006304 004549 003738 0.00506 30 0.74192 0.63976 0.55207 0.47674 0.41199 0.35628 0.30832 0.26700 0.23138 0.20064 0.17411 0.13137 0.09938 0.07537 0.05731 0.04368 0.03338 0.00421 31 073458 0.63031 054125 04651L 0.39999 034423 0.29646 025550 022036 0.19018 0.16425 0.12277 0.09202 0.00915 005210 0.03935 0.02980 0.00351 40 0.67165 055126 045289 037243 0.30656 025257 020829 0.17193 014205 011745 0.09722 0.06675 0.04603 0.03154 0.02209 001538 0.01075 0.00068 TABLE 1 Future Value of $1 FV $1(1+1) A 10% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 1.04000 104500 1.05000 105500 1.00000 1 101000 1.01500 1.02000 1.02500 1.03000 1.03500 2 102010 103022 104040 105063 1.06090 1.07123 1.08160 109203 1.10250 1.11303 1.12360 3 1.03030 104568 105121 107689 109273 110872 112486 114117 115763 117424 1.19102 4 1.04060 106136 1.08243 1.10381 112551 114752 1.16986 119252 121551 123882 12624 1.33823 5 105101 107728 1.10408 1.13141 115927 1.18769 121665 124618 127628 130096 11 111567 1:17795 1.24337 1.31209 1.38423 1.45997 1.53945 1.62285 1.71034 1.80209 12 1.12683 1.19562 126824 134489 142576 151107 160103 1.69588 1.79586 1.90121 13 113809 1.21355 1.29161 137851 146833 1.56396 1.66307 1.77220 188565 2.00577 14 114947 123176 131948 141297 151259 1.61809 1.73168 1.83194 197993 211609 15 116097 1.25023 1.34587 144830 155797 167535 1.80094 193528 207893 223248 7.0% 8.0% 10.0% 11.0% 12.0% 20.0% 1.07000 1.08000 1.09000 1:10000 111000 1.12000 1.14490 1.16640 1.18810 121000 1.23210 1.25440 1.22501 1.25971 1:29503 1.33100 1.36763 1.40493 131080 1.36049 141158 1.46410 1.51807 1.57352 1.40255 1.46933 1.53862 1.61051 1.68506 1.76234 61.06152 1.09344 1.12616 115969 119405 1.22926 126532 130226 134010 137884 1.41852 1.30071 158687 1.67710 1.77156 187041 1.97382 7 107214 1.10984 114869 118869 122987 1.27228 131593 1.36086 140710 145468 150363 1.60575 171382 182804 194872 2.07616 2.21068 8 1.08286 1.12649 117166 121840 1.26677 131681 136857 142210 147746 153469 1.59385 1.71819 199256 185093 2.14359 230454 247596 9109309 1.14139 1.19509 124586 130477 136290 142331 148610 155133 161909 1.68948 183846 2.17189 1.99900 2.35795 255804 2.77308 10 1 10462 1.16054 121899 128008 134392 141060 148024 155297 162889 1.70814 1.79085 1.96715 2.15892 236736 259374 281942 3.10585 %60'6 2,10485 1.89830 233164 2.58043 285312 315176 3.47855 201220 225219 2.31817 281266 3.49545 313843 3.89598 2.40985 100580 2.13293 271967 345227 188128 4.36349 2.26090 2.57853 291719 334173 3.79750 431014 488711 2.39656 2,75901 317217 364248 417725 4.78459 547357 3.39956 4.29187 21 123239 1.36706 151567 167958 1.86029 205943 2.27877 252024 2.78596 1.07823 25 128241 145095 164061 185394 209378 2.36324 2.66584 300541 3.38635 381339 30 134785 156308 181136 209757 242726 2.80679 3.24340 3.74532 432194 498395 5.74349 40 148886 181402 220804 268506 3.26204 3.95926 480102 581636 703999 851331 10.28572 295216 3.15882 16 1.17258 126899 137279 1.48451 1.60471 173399 1.87298 202237 218287 235526 254015 3.42594 197031 459497 531089 6.13039 17 115430 1.28802 1.40024 152162 165285 1.79468 194790 211138 229202 245480 2.69277 3.70002 4.32763 5.05447 5.89509 6.86601 18 1.19615 130714 142825 155966 170243 185749 2.02387 2.20848 2.40662 2.62147 285434 3.37993 3.99602 471712 5.55992 654355 7,68997 19 120811 1.32695 145681 159865 1.75351 1.92250 2.10685 2.30786 252695 276565 302560 3.61653 431570 514166 611591 726334 861276 20 122019 1.34686 1.48595 163862 1.80611 198979 219112 241171 265330 291776 380908 466096 5.60441 6.72750 800231 9.64629 320714 120000 144000 1.72800 207340 248832 2.98598 3.58318 429982 5.15978 619174 7.43008 891610 10.69913 12.83918 15.40702 1848841 22.18611 26.62333 31.94800 38 33760 46.00512 95 39622 23737631 1497446 21.72452 3140942 45 25926 65 00087 9105097 1469.77160 414056 501383 610681 740025 894917 10 80385 5.42743 684848 8.62308 1085471 1358546 17.00006 761226 10 06266 1126768 1744940 22.89230 2995992