# Math Help - Any questions about annuities

1. Wilmer Ok, I really thank you very much.

Look, I was doing it correctly for depreciation, only that I fixed that excel cells started the series in row 4 (how silly).

I have only one doubt as to the equation to solve numerically the equation of the fees in the first problem, suppose that is a debt to repay in 3 years, if not ten., etc.

In it's that you say that the calculation is complex, right?

Sorry to be so heavy, and finally, when you found that fee down there, which was solved numerically the equation? I can expand in the event that the term is larger as I said?

Thank you.

Greetings.

Dogod.

Originally Posted by Wilmer
Unclear. What is a "uniform"? A "fee"?
Are you (as example) paying off a loan in 3 annual payments, payments are the same each year,
but the interest changes each year?

As example; using loan (or present value) of \$1000:
Code:
YEAR RATE PAYMENT INTEREST BALANCE
0                         1000.00
1    3%  -366.84   30.00   663.16
2    8%  -366.84   53.05   349.37
3    5%  -366.84   17.47      .00

2. Sorry; don't understand your English.
English is easy to learn;
my mother tongue is French; exposed to English in grade 9 (14 years old);
today, I write better in English than French!

3. Hello,

just want to know what exactly solved the equation numerically to find the share of payments.

I mean the first exercise.

This English major jejej,

Thank you very much.

Greetings.

4. Told you before:
Can't teach here...use google: "solving numerically"

5. That is not, is which of the equations that you post was solved?

Thank you very much.

6. Wilmer, I mean the first time you answered my message, did the table with a quota value "calculated numerically"which is the same as you when you say you can do well by hand (reply 5).

It was the same equation that you used?

Thank you very much.

7. Not sure what you mean or you're asking.

Anyway, the calculation of the PAYMENT (please use "payment", not fee or quota...)
has no formula: it is determined by iteration.

8. discount every premium back to the present day seperately. The present value of all premiums should be the value of the loan.

So, for the 3%,8%,5% case with payments annually in arrears:

P = 366.8404

9. Hi sorry

asking Him I wanted one of the two, in the calculation of net present value, to evaluate an investment alternative, if I for example I have this cash flow, the book says:

ImageShack&#174; - Online Photo and Video Hosting

Evaluating the project with a rate of 30% chance:

NPV =

$-700 + \displaystyle\frac{250}{1.3^1}+ \displaystyle\frac{300}{1.3^2} + \displaystyle\frac{360}{1.3^3}+ \displaystyle\frac{432}{1.3^4}+ \displaystyle\frac{518,40}{1.3^5}+ \displaystyle\frac{622,08}{1.3^6}-\displaystyle\frac{100}{1.3^1}- \displaystyle\frac{130}{1.3^2} -\displaystyle\frac{160}{1.3^3}- \displaystyle\frac{190}{1.3^4}- \displaystyle\frac{220}{1.3^5}- \displaystyle\frac{250}{1.3^6}=-26500$

So the project should be rejected, but I wonder if there is a way to bring the values ​​to zero time, without them one by one.

the difficulty I have is because the values ​​are not uniform but it will rise.

Thank you very much,

Greetings

10. Originally Posted by Dogod11

but I wonder if there is a way to bring the values to zero time, without them one by one.
Who is "Him" ?

No. But you can combine: (250-100) / 1.3 + (300-130) / 1.3^2 .....

11. Hi Wilmer, thank you very much, excuse my bad English:

So there is no other way to make the calculation more quickly? In the original statement said that the income (top graph flow) increased by 20% each cycle.

And make suguiente calculation, but do not quite understand, to see if you suddenly look at what may be what they do.

ImageShack&#174; - Online Photo and Video Hosting

On the other hand, telling me how you, what should always be that way: revenues minus expenses? And if I get negative?

Thank you very much.

12. .....

13. For flow amounts increasing at x% (your 20% ), go learn here:
Present Value of a Growing Annuity

14. Apologies ...

is that I got tired of looking and I found ... but in Spanish.

Thanks for the suggestion and the next.

Blessings

15. Welcome.
Next time you have a NEW problem, please start a NEW thread.

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