You just won a state lottery, and you will receive $15,000 at the end of each of the next 10 years, and $25,000 at the end of years 11 through 15. What is the present value of your prize? Use a 6% discount rate.

- How would this be solve without using the cashflow key on the financial calculator?

I tried inputting the following:

PMT: 15000

N: 10

I/YR: 6

Do you solve for FV or PV? After this, Do you use N=5 for the years 11-15?