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You expect to receive a lump sum amount of $20,000 fifty years from now. But you want that money now. So what is the present value of that sum if the current discount rate is 7.5%? Assume annual compounding.

2. You have just purchased a $1,500 five year certificate of deposit (CD) from a savings bank which will pay 3.5% interest compounded monthly. What will that CD be worth at maturity?

3. Calculate the present value of an ordinary annuity with ten annual payments of $2,700 if the appropriate interest rate is 5.5% compounded annually.

4. Twenty-five years ago, you purchased 100 shares of XYZ, Inc. for $8 per share. XYZ paid out no cash dividends during this period of time, but it did split its shares many times increasing your position to 9,600 shares (thats correct: ninety-six hundred). If the current market price of XYZ is $12, what is your estimate of the average annual (implicit) rate of return R% on your investment in XYZ? In other words, by how much (percentage-wise) did the value of your position in XYZ change each year on average?