Question: TABLE 1 Future Value of $1 FV = $1(1 + i) ni 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 7.0% 8.0%

TABLE 1 Future Value of $1 FV = $1(1 + i)" ni 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 7.0% 8.0% 0.0% 0.0% 11.0% 12.0% 20.0% 1 2 3 4 5 1.01000 1.02010 1.03030 1.04060 1.05101 1.01500 1.03022 1.04568 1.06136 1.07728 1.02000 1.04040 1.06121 1.08243 1.10408 1.02500 1.05063 1.07689 1.10381 1.13141 1.03000 1.06090 1.09273 1.12551 1.15927 1.03500 1.07123 1.10872 1.14752 1.18769 1.04000 1.08160 1.12486 1.16986 1.21665 1.04500 1.05000 1.05500 1.09203 1.10250 1.11303 1.14117 1.15763 1.17424 1.19252 1.21551 1.23882 1.24618 1.27628 1.30696 1.06000 1.12360 1.19102 1.26248 1.33823 1.07000 1.14490 1.22504 1.31080 1.40255 1.08000 1.16640 1.25971 1.36049 1.46933 1.09000 1.18810 1.29503 1.41158 1.53862 1.10000 1.21000 1.33100 1.46410 1.61051 1.11000 1.23210 1.36763 1.51807 1.68506 1.12000 1.25440 1.40493 1.57352 1.76234 1.20000 1.44000 1.72800 2.07360 2.48832 2.98598 3.58318 6 7 8 9 10 1.06152 1.07214 1.08286 1.09369 1.10462 1.09344 1.12616 1.10984 1.14869 1.12649 1.17166 1.14339 1.19509 1.16054 1.21899 1.15969 1.18869 1.21840 1.24886 1.28008 1.19405 1.22926 1.22987 1.27228 1.266771.31681 1.30477 1.36290 1.34392 1.41060 1.26532 1.30226 1.31593 1.36086 1.36857 1.42210 1.42331 1.48610 1.48024 1.55297 1.34010 1.40710 1.47746 1.55133 1.62889 1.37884 1.41852 1.45468 1.50363 1.53469 1.59385 1.619091.68948 1.70814 1.79085 1.50073 1.60578 1.71819 1.83846 1.96715 1.58687 1.71382 1.85093 1.99900 2.15892 1.67710 1.82804 1.99256 2.17189 2.36736 1.77156 1.87041 1.948722.07616 2.14359 2.30454 2.35795 2.55804 2.59374 2.83942 1.97382 2.21068 2.47596 2.77308 3.10585 4.29982 5.15978 6.19174 11 12 13 14 15 1.11567 1.12683 1.13809 1.14947 1.16097 1.17795 1.19562 1.21355 1.23176 1.25023 1.24337 1.31209 1.26824 1.34489 1.29361 1.37851 1.31948 1.41297 1.34587 1.44830 1.38423 1.45997 1.53945 1.42576 1.51107 1.60103 1.46853 1.56396 1.66507 1.51259 1.61869 173168 1.55797 1.67535 1.80094 1.62285 1.71034 1.802091.89830 1.69588 1.79586 1.90121 2.01220 1.77220 1.88565 2.00577 2.13293 1.85194 1.97993 2.11609 2.26090 1.93528 2.07893 2.23248 2.39656 2.10485 2.25219 2.40985 2.57853 2.75903 2.33164 2.51817 2.71962 2.93719 3.17217 2.58043 2.85312 2.81266 3.13843 3.06580 3.45227 3.341733.79750 3.64248 4.17725 3.15176 3.47855 3.49845 3.89598 3.88328 4.36349 4.31044 4.88711 4.784595.47357 7.43008 8.91610 10.69932 12.83918 15.40702 16 17 18 19 20 1.17258 1.18430 1.19615 1.20811 1.22019 1.26899 1.28802 1.30734 1.32695 1.34686 1.37279 1.40024 1.42825 1.45681 1.48595 1.48451 1.52162 1.55966 1.59865 1.63862 1.60471 1.65285 1.70243 1.75351 1.80611 1.73399 1.87298 1.79468 1.94790 1.85749 2.02582 1.92250 2.10685 1.98979 2.19112 2.02237 2.18287 2.35526 2.11338 2.29202 2.48480 2.20848 2.40662 2.62147 2.30786 2.52695 2.76565 2.41171 2.65330 2.91776 2.54035 2.69277 2.85434 3.02560 3.20714 2.95216 3.15882 3.37993 3.61653 3.86968 3.425943.97031 3.70002 4.32763 3.99602 4.71712 4.31570 5.14166 4.66096 5.60441 4.59497 5.05447 5.55992 6.11591 6.72750 5.31089 5.89509 6.54355 7.26334 8.06231 6.13039 6.86604 7.68997 8.61276 9.64629 18.48843 22.18611 26.62333 31.94800 38.33760 21 25 30 40 1.23239 1.28243 1.34785 1.48886 1.36706 1.51567 1.67958 1.45095 1.64061 1.85394 1.56308 1.81136 2.09757 1.81402 2.20804 2.68506 1.86029 2.059432.27877 2.52024 2.78596 3.07823 3.39956 4.14056 5.03383 6.10881 7.40025 8.94917 10.80385 2.09378 2.36324 2.66584 3.00543 3.38635 3.813394.291875.42743 6.84848 8.62308 10.83471 13.58546 17.00006 2.42726 2.80679 3.24340 3.74532 4.32194 4.98395 5.74349 7.61226 10.06266 13.26768 17.44940 22.89230 29.95992 3.26204 3.95926 4.80102 5.81636 7.03999 8.51331 10.28572 14.97446 21.72452 31.40942 45.25926 65.00087 93.05097 46.00512 95.39622 237.37631 1469.77160 TABLE 2 Present Value of $1 PV = (1 + i) M 1 1.0% 0.99010 1.5% 0.98522 2.0% 0.98039 2.5% 3.0% 3.5% 0.97561 0.97087 0.96618 4.0% 0.96154 4.5% 5.0% 5,5% 6.0% 0.95694 0.95238 0.94787 0.94340 7.0% 8.0% 0.0% 0.93458 0.92593 0.91743 10.0% 0.90909 11.0% 12.0% 0.90090 0.89286 20.0% 0.83333 7066 0.96117 0.951810.94260 0.93351 0.92456 0.91573 0.90703 0.89845 0.89000 0.87344 0.85734 0.84168 $ 0.82645 0.8 0.81162 3 0.97059 0.95632 0.94232 0.92860 0.91514 0.90194 0.88900 0.87630 0.86384 0.85161 0.83962 0.81630 0.79383 0.77218 0.75131 0.73119 0.71178 0.57870 4 0.96098 0.94218 0.92385 0.90595 0.88849 0.87144 0.85480 0.83856 0.82270 0.80722 0.79209 0.76290 0.73503 0.70843 0.68301 0.65873 0.63552 0.48225 5 0.95147 0.92826 0.90573 0.88385 0.86261 0.84197 0.82193 0.80245 0.78353 0.76513 0.74726 0.71299 0.68058 0.64993 0.62092 0.59345 0.56743 0.40188 6 7 8 9 10 0.94205 0.91454 0.88797 0.93272 0.90103 0.87056 0.92348 0.88771 0.85349 0.91434 0.87459 0.83676 0.90529 0.86167 0.82035 0.86230 0.83748 0.81350 0.79031 0.76790 0.74622 0.72525 0.70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.33490 0.84127 0.81309 0.78599 0.75992 0.73483 0.71068 0.68744 0.66506 0.62275 0.58349 0.54703 0.51316 0.48166 0.45235 0.27908 0.82075 0.78941 0.75941 0.73069 0.70319 0.67684 0.65160 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.23257 0.80073 0.76642 0.73373 0.70259 0.67290 0.64461 0.61763 0.59190 0.54393 0.50025 0.46043 0.42410 0.39092 0.36061 0.19381 0.78120 0.74409 0.70892 0.67556 0.64393 0.61391 0.58543 0.55839 0.50835 0.46319 0.42241 0.38554 0.35218 0.32197 0.16151 11 0.89632 0.84893 0.80426 0.76214 0.72242 0.68495 0.64958 0.616200.58468 0.55491 0.52679 0.475090.42888 0.38753 0.35049 0.31728 0.28748 0.13459 120.88745 0.83639 0.78849 0.74356 0.70138 0.66178 0.62460 0.58966 0.55684 0.52598 0.49697 0.44401 0.39711 0.35553 0.31863 0.28584 0.25668 0.11216 13 0.87866 0.82403 0.77303 0.72542 0.68095 0.63940 0.60057 0.56427 0.53032 0.49856 0.46884 0.41496 0.36770 0.32618 0.28966 0.25751 0.22917 0.09346 14 0.86996 0.81185 0.75788 0.70773 0.66112 0.61778 0.57748 0.53997 0.50507 0.47257 0.44230 0.38782 0.34046 0.29925 0.26333 0.23199 0.20462 0.07789 15 0.86135 0.79985 0.74301 0.69047 0.64186 0.59689 0.55526 0.51672 0.48102 0.44793 0.41727 0.36245 0.31524 0.27454 0.23939 0.20900 0.18270 0.06491 16 0.85282 0.78803 0.72845 0.67362 0.62317 0.57671 0.53391 0.49447 0.45811 0.42458 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 0.05409 17 0.84438 0.77639 0.71416 0.65720 0.60502 0.55720 0.51337 0.47318 0.43630 0.40245 0.37136 0.31657 0.27027 0.23107 0.19784 0.16963 0.14564 0.04507 18 0.83602 0.76491 0.70016 0.64117 0.58739 0.53836 0.49363 0.45280 0.41552 0.38147 0.35034 0.29586 0.25025 0.21199 0.17986 0.15282 0.13004 0.03756 19 0.82774 0.75361 0.68643 0.62553 0.57029 0.52016 0.47464 0.43330 0.39573 0.36158 0.33051 0.27651 0.23171 0.19449 0.16351 0.13768 0.11611 0.03130 20 0.81954 0.74247 0.67297 0.61027 0.55368 0.50257 0.45639 0.41464 0.37689 0.34273 0.31180 0.25842 0.21455 0.17843 0.14864 0.12403 0.10367 0.02608 21 24 25 28 29 0.81143 0.73150 0.65978 0.59539 0.78757 0.69954 0.62172 0.55288 0.77977 0.68921 0.60953 0.53939 0.75684 0.65910 0.57437 0.50088 0.74934 0.64936 0.56311 0.48866 0.53755 0.48557 0.43883 0.39679 0.49193 0.43796 0.39012 0.34770 0.47761 0.42315 0.37512 0.33273 0.43708 0.38165 0.33348 0.29157 0.42435 0.36875 0.32065 0.27902 0.35894 0.31007 0.29530 0.25509 0.24295 0.32486 0.29416 0.24151 0.27666 0.24698 0.19715 0.26223 0.23300 0.18425 0.22332 0.19563 0.15040 0.21168 0.18456 0.14056 0.19866 0.16370 0.13513 0.15770 0.12640 0.10153 0.14602 0.11597 0.09230 0.11591 0.08955 0.06934 0.10733 0.08215 0.06304 0.11174 0.09256 0.02174 0.08170 0.06588 0.01258 0.07361 0.05882 0.01048 0.05382 0.04187 0.00607 0.04849 0.03738 0.00506 30 0.74192 31 0.73458 40 0.67165 0.63976 0.63031 0.55126 0.55207 0.47674 0.41199 0.54125 0.46511 0.39999 0.45289 0.37243 0.30656 0.35628 0.30832 0.26700 0.23138 0.34423 0.29646 0.25550 0.22036 0.25257 0.20829 0.17193 0.14205 0.20064 0.17411 0.13137 0.09938 0.19018 0.16425 0.12277 0.09202 0.11746 0.09722 0.06678 0.04603 0.07537 0.06915 0.03184 0.05731 0.04368 0.03338 0.00421 0.05210 0.03935 0.02980 0.00351 0.02209 0.01538 0.01075 0.00068 TABLE 3 Future Value of an ordinary Annuity of $1 FVA = (1+i)" - 1 ni 1 2 3 4 5 1.0% 1.0000 2.0100 3.0301 4.0604 5.1010 1.5% 1.0000 2.0150 3.0452 4.0909 5.1523 2.0% 1.0000 2.0200 3.0604 4.1216 5.2040 2.5% 1.0000 2.0250 3.0756 4.1525 5.2563 3.0% 1.0000 2.0300 3.0909 4.1836 5.3091 3.5% 4.0% 1.0000 1.000 2.0350 2.0400 3.1062 3.1216 4.21494.2465 5.3625 5.4163 4.5% 5.0% 1.0000 1.0000 2.0450 2.0500 3.1370 3.1525 4.2782 4.3101 5.47075.5256 5.5% 6.0% 1.000 1.000 2.0550 2.0600 3.16803.1836 4.34234.3746 5.5811 5.6371 7.0% 8.0% 1.0000 1.000 2.0700 2.0800 3.21493.2464 4.4399 4.5061 5.75075.8666 0.0% 1.000 2.0900 3.2781 4.5731 5.9847 0.0% 1.0000 2.1000 3.3100 4.6410 6.1051 11.0% 1.000 2.1100 3.3421 4.7097 6.2278 12.0% 1.0000 2.1200 3.3744 4.7793 6.3528 20.0% 1.0000 2.2000 3.6400 5.3680 7.4416 6 6.1520 6.2296 6.3081 6.3877 6.4684 6.5502 6.6330 6.71696 .80196.88816.9753 7.1533 7.33597.52337.7156 7.9129 8.1152 7 8 9 10 7.2135 8.2857 9.3685 10.4622 7.3230 8.4328 9.5593 10.7027 7.43437.5474 8.5830 8.7361 9.7546 9.9545 10.9497 11.2034 7.66257.7794 8.89239.0517 10.1591 10.3685 11.4639 11.7314 7.8983 9.2142 10.5828 12.0061 8.0192 9.3800 10.8021 12.2882 8.1420 8.26698.3938 9.5491 9.7216 9.8975 11.0266 11.2563 11.4913 12.577912.8754 13.1808 8.6540 10.2598 11.9780 13.8164 8.9228 10.6366 12.4876 14.4866 9.2004 11.0285 13.0210 15.1929 9.4872 11.4359 13.5795 159374 9.7833 11.8594 14.1640 16.7220 10.0890 12.2997 14.7757 17.5487 9.9299 12.9159 16.4991 20.7989 25.9587 11 11.5668 11.8633 12.1687 12.4835 12.8078 13.1420 13.4864 13.8412 14.2068 4.5835 14.9716 15.7836 16.6455 17.5603 18.5312 19.5614 20.6546 32.1504 12 12.6825 13.0412 13 13.8093 14.2368 14 14.9474 15.4504 15 16.0969 16.6821 13.4121 14.6803 15.9739 17.2934 13.7956 15.1404 16.5190 17.9319 14.1920 15.6178 17.0863 18.5989 14.6020 16.1130 17.6770 19.2957 15.0258 15.4640 15.9171 16.6268 17.1599 17.7130 18.291918.932119.5986 20.0236 20.7841 21.5786 16.3856 18.2868 20.2926 22.4087 16.8699 18.8821 21.0151 23.2760 17.8885 20.1406 22.5505 25.1290 18.9771 21.4953 24.2149 27.1521 20.1407 21.3843 22.9534 24.5227 26.0192 27.9750 29.360931.7725 22.7132 26.2116 30.0949 34.4054 24.1331 28.0291 32.3926 37.2797 39.5805 48.4966 59.1959 72.0351 16 17.2579 17.9324 18.6393 19.3802 20.1569 20.9710 21.8245 17 18.4304 19.2014 20.0121 20.8647 21.7616 22.7050 23.6975 18 19.6147 20.4894 21.4123 22.3863 23.4144 24.4997 25.6454 19 20.8109 21.7967 22.8406 23.9460 25.1169 26.3572 27.6712 20 22.0190 23.1237 24.2974 25.5447 26.8704 28.2797 29.7781 22.7193 24.7417 26.8551 29.0636 31.3714 23.6575 25.8404 28.1324 30.5390 33.0660 24.6411 25.6725 26.9964 28.2129 29.4812 30.9057 32.1027 33.7600 34.868336.7856 27.8881 30.8402 33.9990 37.3790 40.9955 30.3243 33.7502 37.4502 41.4463 45.7620 33.0034 36.9737 41.3013 46.0185 51.1601 35.9497 40.5447 45.5992 51.1591 57.2750 39.189942.7533 44.5008 48.8837 50.395955.7497 56.9395 63.4397 64.2028 72.0524 8 7.4421 105.9306 128.1167 154.7400 186.6880 21 23.2392 24.4705 25.7833 27.1833 28.676530.2695 31.9692 33.7831 30 34.7849 37.5387 40.5681 43.9027 47.5754 51.6227 56.084961.0071 40 48.8864 54.2679 60.4020 67.4026 75.4013 84.550395.0255 107.0303 35.7193 66.4388 120.7998 37.7861 39.9927 72.4355 79.0582 136.6056 154.7620 44.8652 50.4229 56.7645 94.4608 113.2832 136.3075 199.6351 259.0565 337.8824 64.0025 72.2651 81.6987 225.0256 164.4940 199.02092413327 1181.8816 442.5926 581.8261 767.0914 7343.8578 TABLE 4 Present Value of an Ordinary Annuity of $1 1- (1+i)" PVA =- w 1 2 3 4 5 1.0% 1.5% 0.99010 0.98522 1.97040 1.95588 2.940992.91220 3.90197 3.85438 4.85343 4.78264 2.0% 2.5% 0.98039 0.97561 1.94156 1.92742 2.88388 2.85602 3.807733.76197 4.71346 4.64583 3.0% 0.97087 1.91347 2.82861 3.71710 4.57971 3.5% 4.0% 4.5% 0.96618 0.96154 0.95694 1.899691.886091.87267 2.80164 2.77509 2.74896 3.67308 3.62990 3.58753 4.51505 4.45182 4.38998 5.0% 0.95238 1.85941 2.72325 3.54595 4.32948 5.5% 0.94787 1.84632 2.69793 3.50515 4.27028 6.0% 0.94340 1.83339 2.67301 3.46511 4.21236 70% 0.93458 1.80802 2.62432 3.38721 4.10020 8.0% 0.92593 1.78326 2.57710 3.31213 3.99271 0.0% 0.0% 11.0% 12.0% 0.91743 0.90909 0.90090 0.89286 1.75911 1.73554 1.71252 1.69005 2.53129 2.48685 2.44371 2.40183 3.23972 3.16987 3.10245 3.03735 3.88965 3.79079 3.69590 3.60478 20.0% 0.83333 1.52778 2.10648 2.58873 2.99061 6 7 8 5.79548 6.72819 7.65168 8.56602 5.69719 6.59821 7.48593 8.36052 5.60143 5.50813 5.41719 6.47199 6.349396.23028 7.32548 7.17014 7.01969 8.16224 7.970877.78611 8.982598.75206 8.53020 5.32855 5.24214 5.15787 5.07569 4.99553 4.91732 4.76654 6.11454 6.00205 5.89270 5.78637 5.68297 5.58238 5.38929 6.87396 6.73274 6.595896.46321 6.33457 6.20979 5.97130 7.607697.435337.26879 7.10782 6.95220 6.801696.51523 8.31661 8.11090 791272 7.721737.537637.360097.02358 4.62288 4.48592 4.35526 4.23054 4.11141 3.32551 5.20637 5.03295 4.86842 4.712204.56376 3.60459 5.74664 5.53482 5.33493 5.14612 4.96764 3.83716 6.24689 5.99525 5.75902 5.53705 5.32825 4.03097 6.710086.41766 6.14457 5.889235.65022 4.19247 9 10 9.47130 9.22218 11 12 13 14 15 10.36763 11.25508 12.13374 13.00370 13.86505 10.07112 10.90751 11.73153 12.54338 13.34323 9.78685 9.51421 9.252629.00155 10.57534 10.25776 9.95400 9.66333 11.34837 10.98319 10.63496 10.30274 12.10625 11.69091 11.29607 10.92052 12.84926 12.38138 11.93794 11.51741 8.76048 9.38507 9.98565 10.56312 11.11839 8.52892 9.11858 9.68285 10.22283 10.73955 8.30641 8.86325 9.39357 9.89864 10.37966 8.09254 8.61852 9.11708 9.58965 10.03758 7.88687 8.38384 8.85268 9.29498 9.71225 7.49867 7.13896 7.942697.53608 8.35765 7.90378 8.74547 8.24424 9.10791 8.55948 6.80519 6.49506 6.206525.93770 4.32706 7.16073 6.81369 6.49236 6.19437 4.43922 7.48690 7.10336 6.74987 6.42355 4.53268 7.78615 7.36669 6.98187 6.62817 4.61057 8.06069 7.60608 7.19087 6.81086 4.67547 16 14.71787 14.13126 13.57771 13.05500 12.56110 12.09412 11.65230 11.23402 10.83777 10.46216 10.105909.446658.85137 8.31256 7.823717.37916 6.97399 4.72956 10.47726 9.76322 9.12164 8.54363 8.02155 7.54879 7.11963 4.77463 17 18 19 20 15.56225 16.39827 17.22601 18.04555 14.90765 14.29187 13.71220 15.67256 14.99203 14.35336 16.42617 15.67846 14.97889 17.16864 16.35143 15.58916 13.16612 13.75351 14.32380 14.87747 12.65132 13.18968 13.70984 14.21240 12.16567 11.70719 12.65930 12.15999 13.13394 12.59329 13.59033 13.00794 11.27407 11.68959 12.08532 12.46221 10.86461 1 11.60765 11.95038 11.15812 11.46992 10.33560 10.59401 9.60360 9.81815 8.95011 9.12855 8.36492 7.839297.36578 4.84350 8.51356 7.96333 7.46944 4.86958 21 25 30 40 18.85698 17.90014 22.02316 20.71961 25.80771 24.01584 32.83469 29.91585 17.01121 16.18455 15.41502 14.69797 14.02916 19.52346 18.42438 17.41315 16.48151 15.62208 22.39646 20.93029 19.60044 18.39205 17.29203 27.35548 25.10278 23.11477 21.35507 19.79277 13.40472 14.82821 16.28889 18.40158 12.82115 12.27524 11.76408 14.09394 13.41393 12.78336 15.37245 14.53375 13.76483 17.15909 16.04612 15.04630 10.83553 10.01680 11.65358 10.67478 12.40904 11.25778 13.33171 11.92461 9.29224 8.64869 8.07507 7.56200 4.89132 9.82258 9.07704 8.42174 7.84314 4.94759 10.27365 9.42691 8.69379 8.05518 4.97894 10.75736 9.77905 8.95105 8.24378 4.99660 TABLE 5 Future Value of an Annuity Due of $1 FVAD = (1+i)" - 1] (1+1) 20.0% 1.2000 2.6400 wi 1 2 3 4 5 1.0% 1.0100 2.0301 3.0604 4.1010 5.1520 1.5% 1.0150 2.0452 3.0909 4.1523 5.2296 2.0% 2.5% 1.0200 1.0250 2.0604 2.0756 3.1216 3.1525 4.2040 4.2563 5.30815.3877 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 1.0300 1.0350 1.0400 1.0450 1.0500 1.0550 2.0909 2.1062 2.1216 2.1370 2.15252.1680 3.1836 3.21493.2465 3.2782 3.3101 3.3423 4.30914.3625 4.41634.4707 4.5256 4.5811 5.4684 5.5502 5.6330 5.71695.8019 5.8881 6.0% 1.0600 2.1836 3.3746 4.6371 5.9753 7.0% 1.0700 2.2149 3.4399 4.7507 6.1533 8.0% 0.0% 1.0800 1.0900 2.2464 2.2781 3.5061 3.5731 4.8666 4.9847 6.33596.5233 0.0% 11.0% 12.0% 1.1000 1.1100 1.1200 2.3100 2.3421 2.3744 3.6410 3.7097 3.7793 5.1051 5.2278 5.3528 6.71566.91297.1152 4.3680 6.4416 8.9299 11.9159 15.4991 6 7 8 9 10 6.21356.3230 7.28577.4328 8.3685 8.5593 9.4622 9.7027 10.5668 10.8633 6.43436 .5474 7.5830 7.7361 8.7546 8.9545 9.9497 10.2034 11.1687 11.4835 6.6625 6.7794 7.8923 8.0517 9.1591 9.3685 10.4639 10.7314 11.807812.1420 6.8983 8.2142 9.5828 11.0061 12.4864 7.01927.1420 8.3800 8.5491 9.8021 10.0266 11.2882 11.5779 12.8412 13.2068 7.26697.3938 7.6540 8.7216 8.8975 9.2598 10.2563 10.4913 10.9780 11.8754 12.1808 12.8164 13.5835 13.971614.7836 7.9228 8.2004 9.6366 10.0285 11.4876 12.0210 13.4866 14.1929 15.645516.5603 8.48728.78339.0890 10.4359 10.8594 11.2997 12.5795 13.1640 13.7757 14.9374 15.7220 16.5487 17.5312 18.5614 19.6546 19.7989 24.9587 31.1504 1 11.6825 12 12.9093 13 13.9474 14 15.0969 15 16.2579 12.0412 13.2368 14.4504 15.6821 16.9324 12.4121 13.6803 14.9739 16.2934 17.6393 12.7956 14.1404 15.5190 16.9319 18.3802 13.1920 14.6178 16.0863 17.5989 19.1569 13.6020 15.1130 16.6770 18.2957 19.9710 14.0258 15.6268 17.2919 19.0236 20.8245 14.4640 16.1599 17.9321 19.7841 21.7193 14.9171 16.7130 18.5986 20.5786 22.6575 15.3856 17.2868 19.2926 21.4087 23.6411 15.8699 17.8821 20.0151 22.2760 24.6725 16.8885 19.1406 21.5505 24.1290 26.8881 17.9771 20.4953 23.2149 26.1521 29.3243 19.140720.3843 21.9534 23.5227 25.0192 26.9750 28.3609 30.7725 32.0034 34.9497 21.7132 25.2116 29.0949 33.4054 38.1899 23.1331 27.0291 31.3926 36.2797 41.7533 38.5805 47.4966 58.1959 71.0351 86.4421 16 17.4304 18.2014 19.0121 19.8647 20.7616 17 18.6147 19.4894 20.4123 21.3863 22.4144 18 19.8109 20.7967 21.8406 22.9460 24.1169 19 21.0190 22.1237 23.2974 24.5447 25.8704 20 22.2392 23.4705 24.7833 26.1833 27.6765 21.7050 22.6975 23.4997 24.6454 25.3572 26.6712 27.2797 28.7781 29.2695 30.9692 23.7417 25.8551 28.0636 30.3714 32.7831 24.8404 25.9964 27.2129 27.1324 28.481229.9057 29.5390 31.1027 32.7600 32.0660 33.8683 35.7856 34.719336.7861 38.9927 29.840232.7502 35.9737 32.9990 36.4502 40.3013 36.3790 40.4463 45.0185 39.9955 44.7620 50.1601 43.8652 49.422955.7645 39.5447 44.5992 50.1591 56.2750 63.0025 43.5008 49.3959 55.9395 63.2028 71.2651 47.8837 54.7497 62.4397 71.0524 80.6987 104.9306 127.1167 153.7400 185.6880 224.0256 21 23.4716 24.8376 26.2990 27.8629 29.5368 31.3289 33.2480 35.3034 25 28.5256 30.5140 32.6709 35.0117 37.5530 40.3131 43.3117 46.5706 30 35.1327 38.1018 41.3794 45.000349.0027 53.4295 58.3283 63.7524 40 49.3752 55.0819 61.6100 69.0876 77.6633 87.5095 98.8265 111.8467 37.5052 50.1135 69.7608 126.8398 39.8643 53.9660 76.4194 144. 1189 42.3923 58.1564 83.8017 164.0477 48.0057 67.6765 101.0730 213.6096 54.4568 78.9544 122.3459 279.7810 61.8733 70.4027 92.3240 108.1818 148.5752 180.9434 368.2919 486.8518 80.2143 91.5026 270.0307 126.9988 149.3339 566.3773 220.9132 270.2926 1418.2579 645.8269859.1424 8812.6294 John Roberts is 55 years old and has been asked to accept early retirement from his company. The company has offered John three alternative compensation packages to induce John to retire: (FV of $1, PV of $1, FVA of $1, PVA of $1, FVAD of $1 and PVAD of $1) (Use appropriate factor(s) from the tables provided.) 1.$180,000 cash payment to be paid immediately. 2. A 20-year annuity of $16,000 beginning immediately. 3. A 10-year annuity of $50,000 beginning at age 65. Required: Determine the present value, assuming that he is able to invest funds at a 7% rate, which alternative should John choose? (Round your final answers to nearest whole dollar amount.) Alternative PV 1 3 John should choose

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