NO.PZ2018062016000014
问题如下:
Tom has twin daughters Lucy and Lily at 12 years old. Six years later, both will study in a famous university in California for four years with a tuition fee of $6,000 paid at the beginning of each year per person. Assume the annual discount rate is 5%, today Tom should prepare:
选项:
A.
$16,670
B.
$33,340
C.
$31,753
解释:
B is correct. Six years later, Tom will pay tuition fee of $12,000 each year and last for 4 years, as he has two daughters. The payment is paid in the front, therefore set the calculator at BGN mode and input: N=4, I/Y=5%, PMT=12,000, FV=0, then PV=44678.98. The value of tuition fund at year 6 is $44,678.98, so the present value is $44,678.98/(1+5%)6=$33,340.
为什么前六年不用利率除以6加一‘而是直接加上百分之五
什么情况下用EAR、 什么时候括号外是每年次数乘以年数 、什么时候不用除以次数直接相加利滚利