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.
请问直接用学费的现值当做每年存款的FV,用计算器计算,N=6,I/Y=5,PV=0,计算PMT的值可以么?