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Daily Challenge — September 14, 2026

time value of money · mixed

Thorngate Industrial has negotiated a deferred equipment lease with TechVenture Capital. The lease requires 8 semi-annual payments of $47,500 beginning 18 months from today (i.e., the first payment occurs at the end of period 3, not period 1). Thorngate's cost of capital is 7.25% annually, compounded semi-annually. Calculate the present value of all lease obligations as of today.

Correct Answers

present_value

$324,816.19

Step-by-Step Solution

Present Value of Annuity (ordinary annuity):
  Payment (PMT): $47,500.00
  Rate per period (r): 3.6250%
  Periods (n):         8

  PVA (ordinary) = PMT × [1 − (1+r)^−n] ÷ r
  PVA = $47,500.00 × [1 − (1+3.6250%)^−8] ÷ 3.6250%
  PV Factor = 6.838235
  PVA (ordinary) = $324,816.19