TIME VALUE OF MONEY, PART III
PMT= interest or balance + principal reduction(equity)
PMT = constant
AMORTIZED LOANS: MORTGAGES AND CAR LOANS
(annuity)
An amortized loan is a loan repaid in equal payments over its life where the payments
include interest a

TIME VALUE OF MONEY PART II
OBJECTIVES:
1.
Find PV of uneven cash flow streams.
2.
Understand difference between simple and compound interest.
3.
Find PV and FV with multiple compounding periods in a year.
4.
Calculate Effective Annual Rae and compare to

TIME VALUE OF MONEY, PART III
AMORTIZED LOANS: MORTGAGES AND CAR LOANS
An amortized loan is a loan repaid in equal payments over its life where the payments
include interest and principal.
Pmt = interest paid (tax reduction) + principal reduction
EXAMPLE:

TIME VALUE OF MONEY, PART IV: FINAL TVM NOTES AND REVIEW
PROBLEMS
Special Cases
Perpetuity: This is an annuity that has no end point. Assuming the same PMT forever,
the PV formula looks like the following:
N = # of Pmts = infinity
PV = Pmt/r[1-(1/1+r)infi

TIME VALUE OF MONEY PART II
OBJECTIVES:
1.
Find PV of uneven cash flow streams.
2.
Understand difference between simple and compound interest.
3.
Find PV and FV with multiple compounding periods in a year.
4.
Calculate Effective Annual Rate and compare to

TEST 1/ LECTURE 3:
TIME VALUE OF MONEY PART I
An Opportunity:
Suppose that a friend is an entrepreneur and wants you to help fund an opportunity.
Suppose he wants to own and operate a Zaxbys franchise and seeks $100,000 from you
today. What information wo

TEST 1/ LECTURE 3:
TIME VALUE OF MONEY PART I
An Opportunity:
Suppose that a friend is an entrepreneur and wants you to help fund an opportunity.
Suppose he wants to own and operate a Zaxbys franchise and seeks $100,000 from you
today. What information wo

TIME VALUE OF MONEY, PART III
AMORTIZED LOANS: MORTGAGES AND CAR LOANS
An amortized loan is a loan repaid in equal payments over its life where the payments
include interest and principal.
EXAMPLE: (BASIC MORTGAGE)
To purchase your first house, you must l

TIME VALUE OF MONEY, PART IV: FINAL TVM NOTES AND REVIEW
PROBLEMS
Perpetuity: This is an annuity that has no end point. Assuming the same PMT forever,
the PV formula looks like the following:
EX: preferred stock ; consol bond
PV= PMT/r(1-(1/1+r)^n)
With s

TEST 1/ LECTURE 2: REVIEW OF BASIC FINANCIAL INSTRUMENTS
DEBT, EQUITY, AND THE BALANCE SHEET:
A Quick Review of Financial Statements-cash flow
The Balance Sheet: Provides a snap-shot of the firms status (its assets and liabilities)
at a given point in tim

TIME VALUE OF MONEY PART II
OBJECTIVES:
1.
Find PV of uneven cash flow streams.
2.
Understand difference between simple and compound interest.
3.
Find PV and FV with multiple compounding periods in a year.
4.
Calculate Effective Annual Rate and compare to

TEST 1/ LECTURE 1: INTRODUCTION TO FINANCE
OBJECTIVES:
1.
Identify three traditional areas of finance
2.
Describe five guiding principles of finance
3.
Compare and contrast different forms of business organizations.
4.
Describe the role of the financial m

TEST 1/ LECTURE 2: REVIEW OF BASIC FINANCIAL INSTRUMENTS
DEBT, EQUITY, AND THE BALANCE SHEET:
A Quick Review of Financial Statements
The Balance Sheet: Provides a snap-shot of the firms status (its assets and liabilities)
at a given point in time.
Assets

TEST 1/ LECTURE 3:
TIME VALUE OF MONEY PART I
An Opportunity:
Suppose that a friend is an entrepreneur and wants you to help fund an opportunity.
Suppose he wants to own and operate a Zaxbys franchise and seeks $100,000 from you
today. What information wo

Mathematics Pacing Guide Alignment with Common Core Standards
Algebra I
Time Frame: 4 Weeks September
Unit 1: Number Systems & Number Sense
Common Core
Extend the properties of
exponents to rational exponents.
N.RN.1 Explain how the
definition of the mean

12/2/11
Algebra 2 Homework Help - Solutions for Algebra 2 - Hotmath.com
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Finance Internship (FINA 4800 3 hours credit)
An internship is employment, compensated or not, that awards academic credit for practical experience in the field of
finance. An internship is the equivalent of academic coursework so the work responsibilitie

SUMMER 2016
FINA 3000: Financial Management
Syllabus
Daily 9:00-11:45 am; Caldwell 204
will be academically honest in all of my academic work
and will not tolerate academic dishonesty of others."
UGA Student Honor Code
http:/www.uga.edu/honesty/
Instruct

Balloon Loan Calculator
http:/www.vertex42.com/ExcelTemplates/balloon-loan-calculator.html
2005-2016 Vertex42 LLC
Inputs
$24,000
7.20%
36
36
7/1/2016
No
Loan Amount
Annual Interest Rate
Amortization Period
Number of Payments
Begin Date
Interest Only
[42]

FINA 3000: Financial Management
FINA 3001: Financial Management
Spring 2015 Syllabus
T, TH 9:30-10:45; Sanford 213
T, TH 11:00-12:15; Sanford 213
T, TH 2:00-3:15; Sanford 213
will be academically honest in all of my academic work
and will not tolerate aca

Promissory Note
(Payments of Interest Only, Large Final Balloon Payment)
1.
Names
Borrower: _
Lender: _
2.
Promise to Pay. For value received, Borrower promises to pay Lender
$_ and interest at the yearly rate of _% on the unpaid balance
as specified belo