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Table 1 Future Value of 1 4% 5% 6% 7% 8% 9% 10% 11% 12% 15% Periods 0 1.00000 1.04000 1.08160 1.12486 1.16986 1.21665 1.26532 1.31593 1.36857 1.42331 1.48024 1.53945 1.60103 1.66507 1.73168 1.80094 1.87298 1.94790 2.02582 2.10685 2.19112 1.00000 1.00000 1.00000 1.05000 1.06000 1.07000 1.10250 1.12360 1.14490 1.15763 1.191021.22504 1.21551 1.26248 1.31080 1.27628 1.33823 1.40255 1.34010 1.41852 1.50073 1.40710 1.50363 1.60578 1.47746 1.59385 1.71819 1.55133 1.68948 1.83846 1.62889 1.79085 1.96715 1.71034 1.89830 2.10485 1.79586 2.01220 2.25219 1.88565 2.13293 2.40985 1.97993 2.26090 2.57853 2.07893 2.39656 2.75903 2.18287 2.54035 2.95216 2.29202 2.69277 3.15882 2.40662 2.85434 3.37993 2.52695 3.02560 3.61653 2.65330 3.20714 3.86968 1.00000 1.08000 1.16640 1.25971 1.36049 1.46933 1.58687 1.71382 1.85093 1.99900 2.15892 2.33164 2.51817 2.71962 2.93719 3.17217 3.42594 3.70002 3.99602 4.31570 4.66096 1.00000 1.00000 1.09000 1.10000 1.18810 1.21000 1.29503 1.33100 1.41158 1.46410 1.53862 1.61051 1.67710 1.77156 1.82804 1.94872 1.99256 2.14359 2.17189 2.35795 2.36736 2.59374 2.58043 2.85312 2.81267 3.13843 3.06581 3.45227 3.34173 3.79750 3.64248 4.17725 3.97031 4.59497 4.32763 5.05447 4.71712 5.55992 5.14166 6.11591 5.60441 6.72750 1.00000 1.00000 1.00000 1.11000 1.12000 1.15000 1.23210 1.25440 1.32250 1.36763 1.40493 1.52088 1.51807 1.57352 1.74901 1.68506 1.76234 2.01136 1.87041 1.97382 2.31306 2.07616 2.21068 2.66002 2.30454 2.47596 3.05902 2.55803 2.77308 3.51788 2.83942 3.10585 4.04556 3.15176 3.47855 4.65239 3.49845 3.89598 5.35025 3.88328 4.363496.15279 4.31044 4.88711 7.07571 4.78459 5.47357 8.13706 5.31089 6.130399.35762 5.89509 6.86604 10.76126 6.54355 7.68997 12.37545 7.26334 8.61276 14.23177 8.06231 9.6462916.36654 18 20 Table 2 Future Value of an Annuity of 1 4% 5% 6% 7% 8% 9% 10% 11% 12% 15% Payments 1.00000 1.00000 1.00000 1.000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 2.04000 2.05000 2.06000 2.0700 2.08000 2.09000 2.10000 2.11000 2.12000 2.15000 3.12160 3.15250 3.18360 3.21493.24640 3.27810 3.31000 3.34210 3.37440 3.47250 4.24646 4.310134.37462 4.4399 4.50611 4.57313 4.64100 4.70973 4.77933 4.99338 5.41632 5.52563 5.637095.7507 5.86660 5.98471 6.10510 6.22780 6.35285 6.74238 6.63298 6.801916.97532 7.1533 7.33592 7.52334 7.71561 7.91286 8.11519 8.75374 7.89829 8.14201 8.39384 8.6540 8.92280 9.20044 9.48717 9.78327 10.08901 11.06680 9.21423 9.54911 9.89747 10.2598 10.63663 11.02847 11.43589 11.85943 12.29969 13.72682 10.58280 11.02656 11.49132 11.9780 12.48756 13.02104 13.57948 14.16397 14.77566 16.78584 12.00611 12.57789 13.18079 13.8164 14.48656 15.19293 15.93743 16.72201 17.54874 20.30372 13.48635 14.20679 14.97164 15.7836 16.64549 17.56029 18.53117 19.56143 20.65458 24.34928 15.02581 15.91713 16.86994 17.8885 18.97713 20.14072 21.38428 22.71319 24.13313 29.00167 16.62684 17.71298 18.88214 20.1406 21.49530 22.95339 24.52271 26.21164 28.02911 34.35192 18.29191 19.59863 21.01507 22.5505 24.21492 26.01919 27.97498 30.09492 32.39260 40.50471 20.02359 21.57856 23.27597 25.1290 27.15211 29.36092 31.77248 34.40536 37.27972 47.58041 21.82453 23.65749 25.67253 27.8881 30.32428 33.00340 35.94973 39.18995 42.75328 55.71747 23.69751 25.84037 28.21288 30.8402 33.75023 36.97351 40.54470 44.50084 48.88367 65.07509 25.64541 28.13238 30.90565 33.9990 37.45024 41.30134 45.59917 50.39593 55.7497275.83636 27.67123 30.53900 33.75999 37.3790 41.44626 46.01846 51.15909 56.93949 63.43968 88.21181 29.77808 33.06595 36.78559 40.9955 45.76196 51.16012 57.27500 64.20283 72.05244 102.44358 Table 3 Present Value of 1 (n) 4% 5% Periods 6% 7% 8% 9% 10% 11% 12% 15% 1 96154 95238 94340 9345892593 917439090990090.89286 .86957 .92456 90703.89000 87344 .85734 84168.82645 81162.7971975614 .88900.86384 .83962 .81630.79383.77218 75132.73119 71178 .65752 .85480.82270 79209.76290 7350370843.68301.65873.63552 57175 .82193 .78353 .74726 71299.68058 .64993.62092 .59345.56743.49718 .79031 74622 70496 66634 63017 .59627.5644753464 5066343233 .75992 71068.66506 .62275 583495470351316 48166 45235 37594 .73069 .67684.62741 58201 .54027 50187 46651 4339340388 32690 .70259.64461 .59190.54393.5002546043.42410 39092 .36061 .28426 .67556 .61391 55839.50835 46319 42241 38554 .35218 32197 .24719 .64958 .58468 52679 47509 42888 .38753 35049 .31728 .28748 21494 .62460.55684.49697 44401 39711 35554 31863 28584 25668.18691 .60057 .53032.46884 41496 36770 .32618 28966 25751 22917 .16253 57748 .50507 44230 38782 34046 2992526333 23199 20462.14133 .55526 48102 41727 .36245 .31524 .27454 23939.20900.18270.12289 .53391 45811 .39365 33873 29189.25187 .21763.18829.16312 .10687 .51337 43630 37136 31657 27027 .23107.19785 .16963.14564 .09293 .49363.41552 35034 29586 .25025 .21199 17986 .15282.13004 .08081 47464 .39573 33051 .27615 .23171 .19449.16351 .13768 .11611 .07027 4563937689.311802584221455 .17843.14864 12403.10367.06110 14 20 Table 4 Present Value of an Annuity of 1 4% 5% 6% 7% 8% 9% 10% 11% 12% 15% Payments .96154 95238 94340 93458 925939174390909 90090 .89286 86957 1.88609 1.85941 1.83339 1.80802 1.78326 1.75911 1.73554 1.71252 1.69005 1.62571 2.775092.72325 2.67301 2.62432 2.57710 2.53130 2.48685 2.44371 2.40183 2.28323 3.62990 3.54595 3.46511 3.38721 3.31213 3.23972 3.16986 3.10245 3.03735 2.85498 4.45182 4.32948 4.21236 4.10020 3.99271 3.88965 3.79079 3.69590 3.60478 3.35216 5.24214 5.075694.91732 4.76654 4.62288 4.48592 4.35526 4.23054 4.11141 3.78448 6.00205 5.78637 5.58238 5.38929 5.20637 5.03295 4.86842 4.71220 4.56376 4.16042 6.73274 6.46321 6.20979 5.97130 5.74664 5.53482 5.33493 5.14612 4.96764 4.48732 7.43533 7.10782 6.80169 6.51523 6.24689 5.99525 5.75902 5.53705 5.32825 4.77158 8.11090 7.721737.360097.02358 6.71008 6.41766 6.14457 5.88923 5.650225 .01877 8.76048 8.306417.88687 7.49867 7.13896 6.80519 6.49506 6.20652 5.93770 5.23371 9.38507 8.86325 8.38384 7.94269 7.53608 7.16073 6.813696.49236 6.19437 5.42062 9.98565 9.39357 8.85268 8.35765 7.90378 7.48690 7.10336 6.74987 6.42355 5.58315 10.56312 9.89864 9.29498 8.74547 8.24424 7.78615 7.36669 6.98187 6.62817 5.72448 11.11839 10.37966 9.71225 9.10791 8.55948 8.06069 7.60608 7.19087 6.81086 5.84737 11.65230 10.83777 10.105909.44665 8.85137 8.31256 7.82371 7.37916 6.97399 5.95424 12.16567 11.27407 10.47726 9.76322 9.12164 8.54363 8.02155 7.54879 7.11963 6.04716 12.65930 11.68959 10.82760 10.05909 9.37189 8.75563 8.20141 7.70162 7.24967 6.12797 13.13394 12.08532 11.15812 10.33560 9.60360 8.95012 8.36492 7.839297.36578 6.19823 13.59033 12.46221 11.46992 10.59401 9.81815 9.12855 8.51356 7.96333 7.46944 6.25933 Tim Howard has been offered the opportunity of investing $48,624 now. The investment will earn 4% per year and at the end of that time will return Tim $84,200. Click here to view the factor table Future Value of 1 Click here to view the factor table Future Value of an Annuity of 1 Click here to view the factor table Present Value of 1 Click here to view the factor table Present Value of an Annuity of 1 (For calculation purposes, use 5 decimal places as displayed in the factor table provided.) How many years must Tim wait to receive $84,200? (Hint: Use Table 3.) (Round answer to 0 decimal places, e.g. 25.) Tim must wait years