Question 3

If you have a deposit of $10,000 for two years with a return rate of three percentage points and another deposit of $9,000 for four years with a return rate of five percentage points. a) calculate the future expected values of these deposits annually, all at once using the Excel Formula and your own formula. b) graph the annual calculations, and c) discuss the situation you face indicating what is happening, what is your preference and why.

Question 4

If you deposit $5.000 a year with a return rate of 3% and you like to accumulate $50,000. How many periods you need to make this deposit and what would be the difference if the deposit is at the beginning or the end of the period?