Negative Exponents: P= 600 [1-(1+0.06)^-12/0.06]

Dkesims

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Jul 4, 2007
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I am having problems remembering how to solve negative exponents. My problem is as follows:

Find present value of an annuity with payments of $600 per year, for 12 years at 6% interest compounded annually.

The equation: P= 600 [1-(1+0.06)^-12/0.06]

I know the first step is to add 1+0.06 and then find 1.06 to the -12 power. However, I can't remember how to figure negative problems. I know I could put 1.06 on the bottom with the 0.06 to make the -12 a +12, but I can't seem to get the right answer. Please, help!
 
Remove lotsa headaches by writing the formula this way:
P = A(1 - k) / i where k = 1 / (1 + i)^n

P = 600(1 - k) / .06 where k = 1 / (1.06)^12

1 / 1.06^12 = .4969....

600(1 - .4969....) / .06 = ~5030.31
 
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