问题如下图：
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解释：
请问Olivia的收入为啥要算PV呢？工资不是后付的吗？另外，这种题什么情况下要算PV，什么情况下要算FV啊？
NO.PZ201704060100000302问题如下Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to:A.A$0.B.A$331,267.C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 计算妻子的工资现值时为什么使用先付年金
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 请问本题哪里看出要用nee analysis metho不是用humlife value metho
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 1、family expense是95000，且每年下降3000，那么每年的PMT要减3000，一共要减去多少年2、为什么在本次计算中，不考虑family expense
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 请问这两个两件为什么没有考虑进来？The family’s living expenses are currently A$95,000 per year，Family living expenses will cline $30,000 per year。
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 如题。
