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TIME VALUE OF MONEY

Total questions: 10

Worksheet time: 6mins

Name
Class
Date
1.

Which does not belong to the group?

a)

Future Value

b)

Time

c)

Discount Rate

d)

Present Value

e)

Interest

2.

It is defined as,

"The process of accumulating interest on an investment over time to earn more interest."

a)

Compounding

b)

Future Value

c)

Simple Interest

d)

Present Value

3.

It is defined as.

"Interest earned only on the original principal amount invested."

a)

Compound Interest

b)

Simple Interest

c)

Interest on Interest

d)

Compounding

4.

True or False.

The future value increases as you increase the time to the future.

a)

TRUE

b)

FALSE

5.

TRUE OR FALSE.

The present value increases as you increase the time between the future value date and the present value date.

a)

TRUE

b)

FALSE

6.

When a lottery price is offered as $10,000,000 but will pay out a series of $250,000 payments over forty years, is it really a $10,000,000 lottery prize?

a)

YES

b)

NO

7.

What is the interest rate of 15% in four years?

a)

.8227

b)

.6830

c)

.5718

d)

.4823

8.

Suppose you need $200 to buy textbooks next year. You can earn 5 percent on your money. How much do you have to put up today?

Answer needs to have two decimal points.

a)

190.35

b)

190.64

c)

190.51

d)

190.48

9.

The rate used to calculate the present value of future cash flows, is known as

a)

Discount Cash Flow

b)

Discount Rate

c)

Discount

d)

Present Value

10.

TRUE OR FALSE.

The time value of money is the concept that a sum of money is worth more now than the same sum will be at a future date due to its earnings potential in the interim.

a)

TRUE

b)

FALSE