how can I Find the furture value of the annuity due?
442604
I believe the answer should be $174,401.97  My finance teacher showed us that you can do pretty much any financial calculation in Excel.  That is what I used to calculate this answer.  All you need to do is open a blank worksheet, type each value (2500, 15 & 0.10) in different cells and then in a blank cell click the paste function button.  Since the periods are semiannual you will actually need to input 30 since 15 years times 2 periods a year is 30.  Also the rate will be decreased to 5% since again 10% a year = 5% per period.  In the Financial category there should be one listed as FV (future value).  A box will pop up asking you to input the necessary data.  It will then calculate the correct answer for you.  The answer will appear to be negative unless you make one of the values negative i.e. I input 2500 as -2500.  Be sure to put a '1' in the last box if the payments are made at the beginning of the period.  I hope this helps you.
749623
Simple Interest\nA = P *r * t\n\nCompound Interest (monthly)\nA = P(1 + r/12)^(12t)\n\nA1 = P(1 + .075/12)^(12*30)\nA2 = A1 * .06 * 1\n\nP(1 + .075/12)^(12*30) * .06 * 1 >= 12000\nP >= 12000 / ((1 + .075/12)^(12*30) * .06)\nP >= $21,227.97
1168169
Goose is right. The formula is:\n\nFV = P x e^(r x y) \n\nwhere FV = Future Value; P is your principal, r is the annual interest rate and y is the number of years of continuous compounding and e = lim(n-->inf) of (1+1/n)^n\n= 2.7182818.(about)\nHere's link which explains it quite well and also has a periodic/continuous calculator to fool around with.\n\nhttp://www.moneychimp.com/articles/finworks/continuous_compounding.htm
1134170
http://www.publicdebt.treas.gov/sav/savcalc.htm#Worth
878382
Wow Im a little worried about some of the advice you received.  An annuity is a policy with an insurance company that allows you to protect your money from probate, and yes it passes directly to your beneficiary within 7 days after the insurance co is notified.  Unfortunately too many people give their opinions about annuities when they have no idea what they are and why they are great retirement/estate planning tools.  Not to mention that Annuities pay higher interest rates than bank CD's and money markets, and Fixed annuities don't lose your money like the stock market and mutual funds.   Good for you for having an annuity, now that I have shed some light on what they are.  The answer to your question is YES.  Just like any investment, you will not avoid paying taxes on your annuity.  If it is Non Qualified Money, the taxable portion will be on the interest you have earned during the course of having the annuity policy.  If it Qualified money like an IRA the entire amount will be taxable.  The insurance company will be happy to take the approximate taxes right off the payout amount to help your beneficiary, or they can elect to pay it at the end of the year.  Estate and inheritance tax only effect a small percentage of Americans, so this probably won't be an issue for you.  Keep in mind that if this is infact in a Fixed Annuity and Not a Variable annuity, your interest has been compounding over the years tax deferred.  That gain is significantly better than you would have gotten in a CD, paying taxes on it every year.  Good for you.  Make sure you keep that money in an annuity, and that you are getting a FIXed interest rate, no in the stock market.  SAFETY
1110697
Who is handling the transfer of all the other property if there were any such as the home, furnishing, bank accounts and any other savings, stocks or bonds?\n\nIf there is no probate you should call the insurance company that has the annuity  and find out from them when you will be able to receive our funds.\n\nYou might also check and see if the amount you received has any tax consequences, with a trusted tax advisers that your family or you know.\n\nI hope this has been of some use to you, good luck.\n\n"FIGHT ON"
855944
Total amount due = capital + interest = 25000 + 10% * 25000 * 9/12\n= 26875
672493
IRR=PV/(1+K)^n=0\n\nPV=Present Value of the Investment\nK=Rate of interest in\nn=number of years
177362
In other words, you want to know how much is the stream of payments worth today in a lump sum.  This is a really simple calculator that can tell you what that stream of payments is worth as a lump sum.  \nhttp://www.deseretfirstcu.org/calc/pvannuity.asp\nThe two main variables are, what interest rate is the company using and how long is the stream of payments?  If the stream of payments was going to be for lifetime, you would have to know what age their actuarials came up with for their calculation.\n\nI hope this helps.  Good luck.
20839
Without specific details of your situation, this question is unanswerable.  I've included links to the State of Virginia's official Department of Social Services, as well as a child support calculator that will help approximate the amount due.
66930
Yes there is but I can't remember it off hand.\n\nThe best place to go and be able to calculate it out is morgage websites.  They have all kinds of mortage calculation tools to use.  \n\njust go to yahoo search and put in "mortgage calulator" and it should bring up a few that are good.
604234
You need to use the formula for the future value of an annuity to solve this.  This formula is:\n\nF = (P/R)*[(1+R)^K -1]\n\nwhere\n\nK is the number of investment periods\nR is the periodic interest rate\nP is the periodic investment amount\nF is the value after K investment periods\n\nIn your case, the investment period is quarterly, so there will be 20*4 = 80 investment periods in 20 years.\n\nThe periodic investment rate is the annual investment rate divided by 4:  0.076/4 = 0.019\n\nF is the amount desired after 20 years = $200,000.\n\nWe need to solve for P, the quarterly investment amount.\n\nRearranging the above equation to solve for P, we get:\n\nP = F*R/[(1+R)^K - 1]\n\nP = 200,000 * 0.019/[1.019^80 -1]\n\nP = 1,083.39598.  Call it $1,083.40 <g>.\n\nYou can use the calculators at the second and third sources below to do these calculations on-line.  The first source gives the derivation of the actual formula for the future value of an annuity (and related formulas).
174470
You typically cannot do the calculations yourself without knowing what crediting rate the particular insurance company uses when calculating your payout amount. This rate will vary from company to company. Remember that annuities have two phases, accumulation and distribution. The type of annuity (fixed, variable, equity index) typically doesn't have any relation to what annuitization options are available to the owner at annuitization.\n\nDuring Accumulation:\n\nFixed annuities credit a specified interest rate, set annually with a minimum rate specified in the contract.\n\nVariable annuities have several subaccounts (like mutual funds) that you can allocate among. The rate of return is determined by market forces. You can be as aggressive or as conservative with your allocation as you like. Many VA's also have optional guarantees that will provide a floor to the account value used to calculate your payout at annuitization. These typically range from 5-7% equivalent annual rate of return.\n\nEquity index annuities tie the rate you earn to an index, with a cap on performance. If the index returns over the cap, your account gets the cap rate. If the index is below the cap but still positive, you get that rate. If the index has negative returns (loses money) you get 0%, but no loss.\n\nAT ANNUITIZATION:\n\nAll contracts will typically have several options. The most prevalent are:\n\nStraight Life - Payout based on owner's assumed mortality age only. Payouts stop only when owner dies. If you outlive the insurance company's assumption, you win. If you don't, the insurance company wins. This option results in the highest monthly payout amount\n\nJoint and Survivor- Payout based on owner's and spouse's (or other named party) assumed mortality age. If annuitiant dies, survivor gets some percentage of payout for the rest of their life. This percentage is usually 50, 75 or 100%, The payout amounts are much lower in this option than in Straight Life option\n\nInstallment Refund - Payments based on owners mortality, but if owner dies before sum of payments at least equals the total amount annuitized the payments continue to a specified beneficiary until they total the full amount annuitized. If the owner lives beyond expected mortality, payments continue until owners death. This option usually yields a payout slightly less than the straight life option. In my experience, this is the most popular option.
165716
Check with a local financial planner, but my thought would be to look at the non-qualified variable annuities offered by global insurers like ING or Allianz.
360583
OK, so the annual dividends are:\n\nTime 1   $5\n     2   $5×1.15\n     3   $5×1.15²\n     4   $5×1.15²×1.06\n     5   $5×1.15²×1.06²\n     6   $5×1.15²×1.06³\n     7   $5×1.15²×1.06³\n     etc\n\nDiscounting the first 5 payments:\n\n\n5v + 5×1.15v² + 5×1.15²v³ + 5×1.15²×1.06v^4 + 5×1.15²×1.06²v^5\n\n= 4.6296 + 4.9297 + 5.2492 + 5.1520 + 5.0566\n\n= 25.0172\n\nNow the PV of teh remaining payments is:\n\n 5×1.15²×1.06³( v^6 + v^7 + ...)\n=5×1.15²×1.06³v^6 (1 + v + v² + ...)\n\nInside the brackets is an infinite geometric series with first term a = 1 and common ratio r = v.  Using the sum to infinity formula, a/(1-r), we get:\n\n1/(1 - v) = 13.5\n\nMultiplying this by the  5×1.15²×1.06³v^6 bit is:\n\n13.5 × 4.9630 = 67.000\n\nHence the total PV is:\n\n67.000 + 25.017 = 92.017\n\nSince the share value should be the PV, we get $92.02\n\nHope this helps!
1043517
Use the compound interest formula:\n\nA(t) = A (1+r/n)^(nt)  where A(t) is final value, A is starting value, r is interest rate, n is number of times interest is counted in a year, t is number of years. In this case we want to figure r.  Thus,\n1690 = 1255 (1+ r/4)^(2.75)(4)\n1690/1255 = (1+ r/4)^(11)\n1.3466 = (1+ r/4)^(11)\n(1.3466)^(1/11) = (1+ r/4)\n1.0274 = (1+ r/4)\n.0274 = r/4\nr = .1096 or 10.96%
674065
Go to www.firstgov.gov, use the link to the treasury dept and download the savings bond wizard.  You can then enter each one and it will give the value.