Special Applications of Time Value . Q10: Suppose you want to buy a house 5 years from now and you estimate that the down payment needed will be $30,000. How much would you need to deposit at the end of each year for the next 5 years to accumulate $30,000 if you can earn 6% on your deposits? Un Future Value of a Mixed Stream Q7: End of year Cash flow 1 2 3 NO $11,500 14,000 12,900 16,000 18,000 5 Future Value of a Mixed Stream? Present Value of a Perpetuity Q6:For example, how much would I have to deposit today in order to withdraw $1,000 each year forever if I can earn 8% on my deposit? Present Value of a Single Amount: . Q2: Pam Valenti wishes to find the present value of $1,700 that will be received 8 years from now. Pam's opportunity cost is 8%