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Chapter 4 Problems: 3, 5, 9, 12, 15, 23, 28, 30 Chapter 5 Problems: 2, 4, 6, 15, 17, 25, 32 3. Would you prefer to have an investment earning 5 percent for 40 years or an investment earning 10 percent for 20 years? Explain. (LG43) 5. What do you think about the following statement? \"I am going to receive $100 two years from now and $200 three years from now, so I am getting a $300 future value.\" How could the two cash flows be compared or combined? (LG45) 49 Discounting One Year What is the present value of a $350 payment in one year when the discount rate is 10 percent? (LG44) 412 Present Value Compute the present value of an $850 payment made in ten years when the discount rate is 12 percent. (LG44) 415 Rule of 72 Approximately how many years are needed to double a $100 investment when interest rates are 7 percent per year? (LG46) 423 Comparing Cash Flows What would be more valuable, receiving $500 today or receiving $625 in three years if interest rates are 7 percent? Why? (LG45) 428 Moving Cash Flows What is the value in year 15 of a $250 cash flow made in year 3 if interest rates are 11 percent? (LG45) 430 Solving for Rates What annual rate of return is earned on a $5,000 investment when it grows to $9,500 in five years? (LG47) 52 FutureValue Compute the future value in year 7 of a $2,000 deposit in year 1 and another $2,500 deposit at the end of year 4 using an 8 percent interest rate. (LG51) 54 Future Value of an Annuity What is the future value of a $700 annuity payment over six years if interest rates are 10 percent? (LG52) 56 Present Value Compute the present value of a $2,000 deposit in year 1 and another $2,500 deposit at the end of year 4 using an 8 percent interest rate. (LG53) 515 Effective Annual Rate A loan is offered with monthly payments and a 10 percent APR. What's the loan's effective annual rate (EAR)? (LG57) 517 Future Value Given a 4 percent interest rate, compute the year 6 future value of deposits made in years 1, 2, 3, and 4 of $1,100, $1,200, $1,200, and $1,500. (LG51) 525 Present Value You are looking to buy a car. You can afford $450 in monthly payments for four years. In addition to the loan, you can make a $1,000 down payment. If interest rates are 5 percent APR, what price of car can you afford? (LG54) 532 Compound Frequency Payday loans are very shortterm loans that charge very high interest rates. You can borrow $500 today and repay $590 in two weeks. What is the compounded annual rate implied by this 18 percent rate charged for only two weeks? (LG57)