Future  Value: If you have deposit 10,000 in a bank account that pays 10%  interest annually, how much will be in your account after 5 years?
 
 Present Value: What is the present value of a security that will pay  $5,000 in 20 years if securities of equal risk pay 7% annually?
 
 Finding the required interest rate: Your parents will retire in 18  years. They currently have 250,000, and they think they will need 1  million at retirement. What annual interest rate must they earn to each  their goal, assuming they don't save any additional funds?
 
 Time for a lump sum to double:
 If you deposit money today in an account that pays 6.5% annual interest, how long will it take to double your money?
 
 Time to reach a financial goal: you have $42,180.53 in a brokerage  account, and you plan to deposit an additional $5,000 at the end of  every future year until your account totals $250,000. You expect to earn  12% annually on the account. how many years will it take to each your  goal?
 
 Future value:annuity versus annuity due: whats the future value of a 7%,  5- year ordinary annuity that pays $300 each year? If this was an  annuity due, what would its future value be?
 
 Present and future values of a cash flow stream?:
 An investment will pay $100 at the end of each of the next 3 years, $200  at the end of year 4, $300 at the end of year 5 and $500 at the end of  year 6. if other investments of equal risk earn 8% annually, what is its  present value? its future value?
 
 Loan amortization and ear 
 
 you want to buy a car, and a local bank will lend you $20,000. The loan  will be fully amortized over 5 years (60 months) and the nominal  interest rate will be 12% with interest paid monthly. What will be the  monthly loan payment? what will the loan's EAR?