timevalueofmoney(英文版)(文件)
【正文】 PMT PMT PMT 0 1 2 3 10% 1,000 3 10 1000 0 INPUTS OUTPUT N I/YR PV FV PMT 7 50 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. $ 0 1 2 3 Interest Level payments. Interest declines because outstanding balance declines. Lender earns 10% on loan outstanding, which is falling. Principal Payments 7 54 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 273 100 0 INPUTS OUTPUT N I/YR PV FV PMT iPer = iNom/m = = % per day. Enter i in one step. Leave data in calculator. 7 58 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 3 Ways to Solve: 1. Greatest future wealth: FV 2. Greatest wealth today: PV 3. Highest rate of return: Highest EFF% iPer = % per day. 1,000 0 365 456 days 850 ... ... 7 62 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 456 .019178 0 1000 INPUTS OUTPUT N I/YR PV FV 7/365 = PV of note is greater than its $850 cost, so buy the note. Raises your wealth. PMT 7 66 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 演講完畢，謝謝觀看！ 。 2023 by Harcourt, Inc. All rights reserved. 456 850 0 1000 % per day INPUTS OUTPUT N I/YR PV FV PMT Convert % to decimal: Decimal = EAR = EFF% = ()365 – 1 = %. 7 68 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 456 850 0 INPUTS OUTPUT N I/YR PV FV PMT Calculator Solution to FV: iPer = iNom/m = = % per day. Enter iPer in one step. 7 64 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. iPer = % per day. FV = 0 365 638 days 100 FV = $100(1 + .10/365)638 = $100()638 = $100() = $. ... ... 7 60 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. On January 1 you deposit $100 in an account that pays a nominal interest rate of 10%, with daily pounding (365 days). How much will you have on October 1, or after 9 months (273 days)? (Days given.) 7 56 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. Step 4: Find ending balance after Year 1. End bal = Beg bal – Repmt = $1,000 – $ = $. Repeat these steps for Years 2 and 3 to plete the amortization table. 7 52 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. What’s the PV of this stream? 0 100 1 5% 2 3 100 100 7 48 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 1st Method: Compound Each CF 0 1 100 2 3 5% 4 5 6 100 FVA3 = 100()4 + 100()2 + 100 = . 7 44 Copyright 169。 FV = $100 1 + 2 3S 2x3 ? ? ? ? ? 247。 2023 by Harcourt, Inc. All rights reserved. When is each rate used? iNom: Written into contracts, quoted by banks and brokers. Not used in calculations or shown on time lines. 7 38 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. ?An investment with monthly payments is differe
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