Tuesday, 24 June 2014

Present Value with changing years

In trying to calculate the below question using a present value table, the younger the bond is, the lower my answer is, and that just doesn't make sense to me. They don't all have to be answered, but if one or two were answered with a description of the process so that I can understand how to do the others I would be incredibly greatful!
When they are first born, Grandma gives each of her grandchildren a $2,500 savings bond that matures in eighteen years. For each of the following grandchildren, what is the present value of each savings bond if the current discount rate is 4%?

a) Seth turned 16 years old today:

b) Shawn turned 13 years old today:

c) Sherry turned nine years old today

d) Sheila turned four years old today

e) Shane was just born

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