VA XE 3) The higher the compounding the higher Fhe effechive vole EAR = eM eo! 140514 -1 = oteSt3 - 10.SIFY, Rind. conversely , the lower the Compounding The lower the 2ffechve ale = AVNER compounded quanlely is lowest effeckite rake a &. 20 Redo ‘ ® +i" st © Poy. 4 eet « Ga * 200 17, te00 “re L! aed K me \ gaye” 2 arene Gan > (aks 2 ak = ave Ke aed K = 0.03526 Ke 3.5267, C.ee on 2 eae ne ee © © eye te sc gt tt gt gt gs at 9209 Pai a yi & sear © ee © Se 1000 FVy- FVg = FVe 2 $0,000 we one subbrading the withdrawals seisoe [ C14)" 1] He gy = (toi2s)"-! 1. ozs JI = 1-05 098-1 005095 = 5.08453 7, { FV, ~ 50/000 = FVg FV, = eur Cao” Kegf annual = EAR = (Qe ae mo FV_e 11900. {o 05095)" 0.05098 tere0e a(t. c4368 \) = 126.338.0555 thee . A = F61338.55 To yok FVg akteo weuse FV as PYe(I4K)” where ne10 Vp = BET -(8)] = a SD eee ap 76,398.55 2 PHT} yl fleet “| (oseas) 0.05045 ~0-07 aeeers 40,339.55 x 0.03045 o.atdae 3 > PHT, = 556307 D. FVg= 16,338 055 = 501000 > PMT =ayear e Ayer ated ——Syene Bee Qo ee ee ewe Tansee Tnikal Balance of Heckgage = 4 20,000 APR = 2% compounded bi-weekly Kegeive monly = (4 SB)" = (+ 1160 = (J 40-008) | = 1.Dlo03—1 = Looted, Pure? PVe XK _ Q0)000x1-007 647, PV = eae ty.) =e- . Wek Ucar \- 4 as ak Phe beginning ef the igen. nat (ake (Votes) ao PHT =" 526.4958 Ending principal outstanding of period 23 = Beginning Amovat ob peried 24 pv = wre EN be 23menths ()* J.00264 (C-eorea) 7 a PVig = W602 . 2087 ‘nlecest paid in period 24 = Beg. Balance in period *Y v Tnbecerk Rale = W602. 208% ¥ 1.00 264-/, ANG 334 PHT — Intuesk 526.9938 — 16.334 =* tio. 646 Peimcipal Repayment Fraction = “He-6596 - 4 a9q25 2 99.03% C. 526.909aoe ——— © # a00,000 : iS K 93.67. compounded monthly . FVn -FVg = FVe EW Keffectve annual = ak). CHective annual = (14 fe) = FVg = PVo(I4k)® = 80,08 (1.0366) "°° Bo,eco x 364 29928,031,461.9 while FVe = accyooe (given) = FVgs PYA-FVe 428,051 461.4 — 2e01000 FUF 331, 961.9 = FV. Mr * Flas FV Pa [oss -| we Pure F¥no XK 929.831 961.9 x 00366 G46 © Gieaen) mo PMT = F52,440. 2674 C.Not NEEDED 4 £0 eves 2521 =26 ears D) f2oNede mesa sted Hy yt Awe © ® 2 #500 = 26x4= Ba pai st 26 bi-wecks @ Foe Sp Nk a month © YOO euery mnt Kap 3.67% APR compoondes wiss a8? K Effechive weekly ale \ ser) 1 =(J.003) -1 fhe (15 82) 1-00) Weffeckie bi aseetly cole K effeckve FY, = ay {aor = mt [oso] . PA 4 fuser) mf “toh 2 PHT Th ta) ae aa Poe PY gag P Vg PYse monty, rae = = 1:0 006% ~ 200064 = 0.06957 Ey ee ante =e BT 2s STE 008) = [0613-1 = c-00l 3B = 0-1383S% (ag) 10" 4 200 [cvsveean i o-0euis? 323.244 A ; 10d s 300 Le 13435) ~t]> 33 531.338 owl st el e.oed 200 °. omis. L 023) 5 - asa ° at ao C Gasp)" woo =H 1F,356.743 07003 = #20, 618.0233 4 38,7. US AF, 040, 61S - ye BLT 4 29 O40 4 17356 = 85,631 €9) 0.5% effective monthly 2 Effechive Bi-arnually mig OS %. eff moathly = (s ae) =1 choosing quoted annual fo hove mz) She 51. mentily = e a oS). elf hy (+ 8) - Qee5%) = le Qu > QRz (la 057) 21 = 0.06168 annual EGF. bi-annual = (I+ ony” = 1126-1 = ln4isae DLn=Ho ‘e) 1 40 20 ‘ + +++ Pet, Pun, - +. Go,0e0 34 €o,000 ee Phe \ gle be Kw GY. RR oe monthly =(l-005)-1 = 1.061681 = o0biGs 2 CAG. ze K ak yeartto ese _4 (ic6iss) e.0Glaat (once) = 884,017. F461 x 1.06168 2 938,544 PV annuity = PY annuity ak due, 381544 due ab year Ho year 40 C+k)* Ch cotes => PV = 35 64. Hisyr ev = Per fie ‘J pute PV x(K-g) Oreuihy a (col 1 ~ (a8 * lak ey PUT = BS HEMISYR x (Ov0 6164 — ovo!) yo fuel \v 106d a = 522.183) DyPV = Ve Ve Ve Ve U3 932.54 Wo ebters ep ee pe ey net © \Se00 Sooo (Sooo (ovo, 2 eo cee gg won ned FC a Se C2 Gi | Seco’ Siw” Stoo Stoo | Stoo S000 ee 1 oP ome Gm Vo foo Voom feo ee fone fete Te50 K = 57. APR compousded mentily, ae Rejfave aymrcak «(14 9) =t a vy, = BR NORTE, K effecive Syeor ra = Cs se) -1 + st) “2 Qeoota) =! = 1 W6IMA 1 0.16189 sig. vy, = We INR Keffechve 2 year vale = (+) - (4 =) Be (oot = |.JoSe34 =o.loSe3 mp 4 2 10.537 Keffadiwe anal cole = (14+ Be) Ag (\ 3) 8) Qeootiay™te Losmbe! = Te = 0.056 mi = S.NGIVY, annuity ak year L: pV, 2 PHT y [!- \ Jorg coming a hme d. ove Ketgaye Oa) aS fo Find PV) ak gro => PV PUL vee ond geet «other Sa (eae)! “ye others. PV, = 18000 itn (\.t2104) x = 433t4.ess 22.1087, (Vey ie Cees)! pVge (002 Fy haga = 36055.30S (ot4aey. 7 waa) Dea csi Ue onus) PV: S02 Jy 1 1.19503 = AS VFL. Be 0.503 U (10983) 2\C ) » ree + = 1900, oSNh) x A328 > Aob Pe, 5.6 - omy JU De Tae12) BL yt ooo Spt aso Par Value = 13000 IO years xy. 10 7. Coupes role Seri-anoual Po = & 1,000 Ps =*as0 K > 67. APR compounded semi cy Effective serni-anoual = (! + a" =(I+ § na = t-003-1 Th stor = E= hx 1000-480 FV coupon = PRT Cake eo) wtp FELee- A = FV2*323.420 FV inveshroumt = FV cougen + B schen sold 313.40 + 350 2 WFs42 ots? Ke Ear = (EY U43.42 ‘ - 3 _ Eo CBE) A Creu) =z oe S445 2 SMANBY, C,Ti. slot, Semi annual Po = “450 B82 Eft eM * Cae)" Ore)" ww 3502 BD {- Jj A 900 Ke 3 +k we (My OM, nels xy eT FV.= lo00 PHT =So Kege samt annual = S.4U26S => 51. = t= Si viovo -"2s ‘tm dom nzAyeor me he 1 (hota a yor) Be 25 1- love 7 Qrese * 7 suaus)'* SMM Us ) Qesqyus)®, (.csunees, a 8 = *CEF. cot a Harkek Value Smit Pou pobma Chto of binds 2"F44O neve bends Harkek Velue = dt Smilin => sob bends =a sloxd +20 [eyes 4 = H900 eelere ain months K=-S 7: TL 2 8 semi-annual 4 Le 82 y ox Yo z = 00 of ede eemaining, when sold = 80g 1ox2 + yas Phen B= PMT) f « lb Ges * ay PVe (14 k)® Py (iaK)* = Foo (10.05)! = Yoo (0.95) Po = 85S this is pia ak teo = 82855 From above Famula 855 = HO” ['- le tooo Ke ey" la ey corny On caluloln . Ps -85S Nero FV [000 PHT=4o => Kelp semi-annual 2 5.181U9 /, = TH = Kes mm x2 = 1036087, 0ope » | - a 1 st co) se K > 67 APR comp. semi-onnually Neotenah = mer [os wt] 52 Jou) yer Kee Kejf atmi-onna wi a Aivedly = Si 2 37. a hy x E se .03)4-1) 2209 18 Ae 2 [4 n= nd FY of poskpmed coupm = 209-1811 4k)? 1s = 209-181 (1.03)"* "298. 242 YTH 2207. Kept semi = 997 n= Gx2= (Dyers lov. . ie. - Low FV coupes = RMT Low at) ana J - 1064.24 FV ona = tv oskgened + Nan one FN esta Teta Bont 2 998.2 4 1064.24 4 Jooo 29 2,364 .467 4 PVgond - RSCTA LS y5.29 Aiscoonliy i fo the at tro Gay preseak ab to'% Semi annul B. rale effechive -18) D $Core comet = E ) Bese ” Yee De 2'so syere ye S years te K=107, Pos DL, De De 2 Ou Os. We * Caw? t (akys * Gps * (ses Ds Da | Dio Pre Get 7 HER * Gee * Gap Pro = Du _ Delt4gs) _ Do (143)8C14905 (leg) K-gs k-g3 K-95 = BOx U.05)> x UADSx (Lot) = 1488 4) 510. 3568 o\ -o.0d ov Pez Dolt+sy) [: _ (gs }- Be (149I5Ci492) D498 Vege)” K-; cays use (4K) F y DellagdSCegr4 . DellegUssn4% , De liegnsuegs)® O+OF +54 aR 4 WBIO-352 gine gu ck. replacin this equahion (+k) 91z87. grelon gy-2% _ pokes) [ ; 50 (1.05) es) 5 Ue [sy] Stes = Q1F.40604 4 198.434 4 505.19929 = 421.2236 €.K elo, i) 1. ——______f le 9 Do? ges? gusty. ge=aay 2 Pe =500 fo = Dell+g.2 us Do(l4gi)""(14ge) (1233 yet. ee [CGY + MD 8B) ate ate. te (4g 2)? Vtg) (+H? K-gs 500 = Be (1-05) ac ‘J. De (\-08)" Do ftes) “(ues [ (UD oe re ES) + SS Lae 1, Bo C1-05)'* (103)"" (1-023) ay oO} = 0-023 => 19.5508x Do = 500. = De -Aas.sayy B. 3) 8.