please help me and look at the example for a reference

Discussion Initial Response Due by Wednesday. It is payday! You look at your paystub and realize you received a $4,500 bonus. What do you plan to do with your windfall? You have three choices: (1) buy a bond (2) pay off a loan, or (3) loan the money to family Using the present value charts in this link calculate present value of the three options. Do not forget to show your work. Discuss which option you would choose and why. Consider financial and non-financial influences. There are no right or wrong answers: simply support your decision Discussion Response Due by Saturday: Respond to another student." Option Information Present Value PV Answer Formula Example Calculate the present value of investing in a start-up company if you expect to receive $5,000 in 4 years and $5.000 X 79209 53.960.45 the annual market rate is 6%. Remember to use the Present Value factor in your calculation Pay $4,500 for a bond. The bond pays $5,000 at the end of 2 years with a 10% coupon (interest) paid semi-annually levery 6 months). What is the present value of the bond? 6 this a good deal since you are paying $4,500? Pay off a loan. The loan is due at the end of 2 years balloon loan). It has a balance of $5,500 and an interest rate of 12% that accrues semi-annually. The bank said they will take the present value of the loan. Do you have enough money to pay off the loan? Lend money to your family for a home renovation. They will pay you $5,000 at the end of the 2 years. Is this a good deal if the annual market rate is 696? #1 #2 #3 Present Value Tables Formula: PV - 1/(1+1) 1% n/ 1 2 3 4 5 6 7 14% 0.8772 0.7695 0.6750 0.5921 0.5194 0.4556 0.3996 0.3506 0.3075 9 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 0.9901 0.9803 0.9706 0.9610 0.9515 0.9420 0.9327 0.9235 0.9143 0.9053 0.8963 0.8874 0.8787 0.8700 0.8613 0.8528 0.8444 0.8360 0.8277 0.8195 0.8114 0.8034 0.7954 0.7876 0.7798 0.7720 0.7644 0.7568 0.7493 0.7419 2N 0.9804 0.9612 0.9423 0.9238 0.9057 0.8880 0.8706 0.8535 0.8368 0.8203 0.8043 0.7885 0.7730 0.7579 0.7430 0.7284 0.7142 0.7002 0.6864 0.6730 0.6598 0.6468 0.6342 0.6217 0.6095 0.5976 0.5859 0.5744 0.5631 0.5521 3X 0.9709 0.9426 0.9151 0.8885 0.8626 0.8375 0.8131 0.7894 0.7664 0.7441 0.7224 0.7014 0.6810 0.6611 0.6419 0.6232 0.6050 0.5874 0.5703 0.5537 0.5375 0.5219 0.5067 0.4919 04776 0.4637 0.4502 0.4371 0.4243 0.4120 4% 0.9615 0.9246 0.8890 0.8548 0.8219 0.7903 0.7599 0.7307 0.7026 0.6756 0.6496 0.6246 0.6006 0.5775 0.5553 0.5339 0.5134 0.4936 0.4746 0.4564 0.4388 0.4220 0.4057 0.3901 0.3751 0.3607 0.3468 0.3335 0.3207 0.3083 5% 0.9524 0.9070 0.3638 0.8227 0.7835 0.7462 0.7107 0.6768 0.6446 0.6139 0.5847 0.5568 0.5303 0.5051 0.4810 04581 0.4363 0.4155 0.3957 0.3769 0.3589 03418 0.3256 03101 0.2953 0.2812 0.2678 0.2551 0.2429 0.2314 6% 0.9434 0.8900 0.8396 0.7921 0.7473 0.7050 0.6651 0.6274 0.5919 0.5584 0.5268 0.4970 0.4688 0.4423 0.4173 0.3936 0.3714 0.3503 0.3305 0.3118 0.2942 0.2775 0.2618 0.2470 0.2330 0.2198 0.2074 0.1956 0.1846 0.1741 7% 0.9346 0.8734 0.8163 0.7629 0.7130 0.6663 0.6227 0.5820 0.5439 0.5083 0.4751 0.4440 0.4150 0.3878 0.3624 0.3387 0.3166 0.2959 0.2765 0.2584 0.2415 0.2257 0.2109 0.1971 0.1842 0.1722 0.1609 0.1504 0.1406 0.1314 8% 0.9259 0.8573 0.7938 0.7350 0.6806 0.6302 0.5835 0.5403 0.5002 0.4632 0.4289 0.3971 0.3677 0.3405 0.3152 0.2919 0.2703 0.2502 0.2317 0.2145 0.1987 0.1839 0.1703 0.1577 0.1460 0.1352 0.1252 0.1159 0.1073 0.0994 9% 0.9174 0.8417 0.7722 0.7084 0.6499 0.5963 0.5470 0.5019 0.4604 0.4224 0,3875 0.3555 0.3262 0.2992 0.2745 0.2519 0.2311 0.2120 0.1945 0.1784 0.1637 0.1502 0.1378 0.1264 0.1160 0.1064 0.0976 0.0895 0.0822 0.0754 10% 0.9091 0.8264 0.7513 0.6.830 0.6209 0.5645 0.5132 0.4665 0.4243 0.3855 0.3505 0.3186 0.2897 0.2633 0.2394 0.2176 0.1978 0.1799 0.1635 0.1486 0.1351 0.1228 0.1117 0.1015 0.0923 0.0839 0.0763 0.0693 0.0630 0.0573 11% 0.9009 0.8116 0.7312 0.6587 0.5935 0.5346 0.4817 04339 0.3909 0.3522 0.3173 0.2858 0.2575 0.2320 0.2090 0.1883 0.1696 0.1528 0.1377 0.1240 0.1117 0.1007 0.0907 0.0817 0.0736 0.0663 0.0597 0.0538 0.0485 0.0437 12% 0.8929 0.7972 0.7118 0.6355 0.5674 0.5066 04523 0.4039 0.3606 0.3220 0.2875 0.2567 0.2292 0.2046 0.1827 0.1631 0.1456 0.1300 0.1161 0.1037 0.0926 0.0826 0.0738 0.0659 0.0588 0.0525 0.0469 0.0419 0.0374 0.0334 13% 0.8850 0.7831 0.6931 0.6133 0.5428 0.4803 0A251 0.3762 0.3329 0.2946 0.2607 0.2307 0.2042 0.1807 0.1599 0.1415 0.1252 0.1108 0.0981 0.0868 0.0768 0.0680 0.0601 0.0532 0.0471 0.0417 0.0369 0.0326 0.0289 0.0256 0.2697 0.2366 0.2076 0.1821 0.1597 0.1401 0.1229 0.1078 0.0946 0.0829 0.0728 0.0638 0.0560 0.0491 0.0431 0.0378 0.0331 0.0291 0.0255 0.0224 0.0196 15% 0.8696 0.7561 0.6575 0.5718 0.4972 0.4323 0.3759 0.3269 0.2843 0.2472 0.2140 0.1869 0.1625 0.1413 0.1229 0.1069 0.0929 0.0808 0.0703 0.0611 0.0531 0.0462 0.0402 0.0349 0.0304 0.0264 0.0230 0.0200 0.0174 0.0151 & AAAAA