GENERAL

MATHEMATICS
Ms.
 UNIVERSITY PRAYER
Lord God of all wisdom
We pray for the La Consolacion University
Philippines that she may be faithful to the
purposes of our foundresses, Mother Rita and
Venerable Mother Consuelo.
Continue to promote the search for truth and
knowledge and be an inspiration for others to
follow.
May we be a community of scholars sharing
this ambition, caring for one another and loyal
to the truth revealed to us as your disciples.

AMEN.
Attendan
ce !
GAME
TIME!

“Cross Word
Puzzle”
Question #1

What is a fixed sum of money paid to

someone at regular intervals, subject
to a fixed compound interest rate?
Question #1

What is a fixed sum of money paid to

someone at regular intervals, subject
to a fixed compound interest rate?

annuity
D G B N M K I F A D Z N P R E S E N T V A L U E P
A H N L L Y D A O P S V N M T J L A H E V J L R C
S M I L E K L O D W D F S W G E Y Y A Q C G D G N
A K A M D A D E F C E F B E A Q W E R F T Y U I O
Q D F S D F R G H J K L M N B Y X A S U S V X Z C
Z G B M Q R D F A E M E C B Y R I O L T Q Z V B M
D H A Q E F H J K K L M V A W A Y Q V U Q D V C N
G K T F Z C B A D B H S B T Y N Q N M R Q B T H Q
H O E S D F G N P R A V Z V N I A V E E S E T A Z
U D L X U M P N A F G N C M Q D X V R V A E H R T
K P E T Y U I U O P A D E F G R H J K A A E B I L
D M V Q M W Q I H J K L R T A O Y Q V L T E M Z E
E L H A U D T T A E M E T G O H J K L U U E L H K
F V J Z Y Q B Y K K L M A A Q A E M E E R Q H Q M
H D M X T V V M X T V V I B N K K L M V A E H R T
N A I C U N C E R T A I N Y V Q F H F A A E B I L
M G W V M Q W E R T Y U I W V D U E B L T E M Z E
K H C B N F A E M E C A S Y J E M F A E M E C A E
Question #2

It is an annuity in which the periodic

payment is made at the end of each
payment interval
Question #2

It is an annuity in which the periodic

payment is made at the end of each
payment interval

Ordinary annuity
D G B N M K I F A D Z N P R E S E N T V A L U E P
A H N L L Y D A O P S V N M T J L A H E V J L R C
S M I L E K L O D W D F S W G E Y Y A Q C G D G N
A K A M D A D E F C E F B E A Q W E R F T Y U I O
Q D F S D F R G H J K L M N B Y X A S U S V X Z C
Z G B M Q R D F A E M E C B Y R I O L T Q Z V B M
D H A Q E F H J K K L M V A W A Y Q V U Q D V C N
G K T F Z C B A D B H S B T Y N Q N M R Q B T H Q
H O E S D F G N P R A V Z V N I A V E E S E T A Z
U D L X U M P N A F G N C M Q D X V R V A E H R T
K P E T Y U I U O P A D E F G R H J K A A E B I L
D M V Q M W Q I H J K L R T A O Y Q V L T E M Z E
E L H A U D T T A E M E T G O H J K L U U E L H K
F V J Z Y Q B Y K K L M A A Q A E M E E R Q H Q M
H D M X T V V M X T V V I B N K K L M V A E H R T
N A I C U N C E R T A I N Y V Q F H F A A E B I L
M G W V M Q W E R T Y U I W V D U E B L T E M Z E
K H C B N F A E M E C A S Y J E M F A E M E C A E
Question #3

It is an annuity in which the periodic

payment is made at the beginning of
each payment interval
Question #3

It is an annuity in which the periodic

payment is made at the beginning of
each payment interval

Annuity due
D G B N M K I F A D Z N P R E S E N T V A L U E P
A H N L L Y D A O P S V N M T J L A H E V J L R C
S M I L E K L O D W D F S W G E Y Y A Q C G D G N
A K A M D A D E F C E F B E A Q W E R F T Y U I O
Q D F S D F R G H J K L M N B Y X A S U S V X Z C
Z G B M Q R D F A E M E C B Y R I O L T Q Z V B M
D H A Q E F H J K K L M V A W A Y Q V U Q D V C N
G K T F Z C B A D B H S B T Y N Q N M R Q B T H Q
H O E S D F G N P R A V Z V N I A V E E S E T A Z
U D L X U M P N A F G N C M Q D X V R V A E H R T
K P E T Y U I U O P A D E F G R H J K A A E B I L
D M V Q M W Q I H J K L R T A O Y Q V L T E M Z E
E L H A U D T T A E M E T G O H J K L U U E L H K
F V J Z Y Q B Y K K L M A A Q A E M E E R Q H Q M
H D M X T V V M X T V V I B N K K L M V A E H R T
N A I C U N C E R T A I N Y V Q F H F A A E B I L
M G W V M Q W E R T Y U I W V D U E B L T E M Z E
K H C B N F A E M E C A S Y J E M F A E M E C A E
Question #4

It is a periodic payment that is not

made at the beginning nor at the end
of each payment interval, but some
later date.
Question #4

It is a periodic payment that is not

made at the beginning nor at the end
of each payment interval, but some
later date.

Deferred Annuity
D G B N M K I F A D Z N P R E S E N T V A L U E P
A H N L L Y D A O P S V N M T J L A H E V J L R C
S M I L E K L O D W D F S W G E Y Y A Q C G D G N
A K A M D A D E F C E F B E A Q W E R F T Y U I O
Q D F S D F R G H J K L M N B Y X A S U S V X Z C
Z G B M Q R D F A E M E C B Y R I O L T Q Z V B M
D H A Q E F H J K K L M V A W A Y Q V U Q D V C N
G K T F Z C B A D B H S B T Y N Q N M R Q B T H Q
H O E S D F G N P R A V Z V N I A V E E S E T A Z
U D L X U M P N A F G N C M Q D X V R V A E H R T
K P E T Y U I U O P A D E F G R H J K A A E B I L
D M V Q M W Q I H J K L R T A O Y Q V L T E M Z E
E L H A U D T T A E M E T G O H J K L U U E L H K
F V J Z Y Q B Y K K L M A A Q A E M E E R Q H Q M
H D M X T V V M X T V V I B N K K L M V A E H R T
N A I C U N C E R T A I N Y V Q F H F A A E B I L
M G W V M Q W E R T Y U I W V D U E B L T E M Z E
K H C B N F A E M E C A S Y J E M F A E M E C A E
Question #5

It is an annuity that is payable for

definite duration and indefinite
duration.
Question #5

It is an annuity that is payable for

definite duration and indefinite
duration.

ANNUITY CERTAIN AND

UNCERTAIN
D G B N M K I F A D Z N P R E S E N T V A L U E P
A H N L L Y D A O P S V N M T J L A H E V J L R C
S M I L E K L O D W D F S W G E Y Y A Q C G D G N
A K A M D A D E F C E F B E A Q W E R F T Y U I O
Q D F S D F R G H J K L M N B Y X A S U S V X Z C
Z G B M Q R D F A E M E C B Y R I O L T Q Z V B M
D H A Q E F H J K K L M V A W A Y Q V U Q D V C N
G K T F Z C B A D B H S B T Y N Q N M R Q B T H Q
H O E S D F G N P R A V Z V N I A V E E S E T A Z
U D L X U M P N A F G N C M Q D X V R V A E H R T
K P E T Y U I U O P A D E F G R H J K A A E B I L
D M V Q M W Q I H J K L R T A O Y Q V L T E M Z E
E L H A U D T T A E M E T G O H J K L U U E L H K
F V J Z Y Q B Y K K L M A A Q A E M E E R Q H Q M
H D M X T V V M X T V V I B N K K L M V A E H R T
N A I C U N C E R T A I N Y V Q F H F A A E B I L
M G W V M Q W E R T Y U I W V D U E B L T E M Z E
K H C B N F A E M E C A S Y J E M F A E M E C A E
Simple
annuity
 LEARNING OBJECTIVES

 describe what a simple annuity due and its

characteristics.
 Appreciate the role of making sound financial
decisions and contributing to the well-being of
community.
 calculate the present and future values of a
simple annuity due using the appropriate
formulas.
ANNUITY DUE
 SIMPLE ANNUITY

A simple annuity due is a financial

arrangement in which a series of equal
periodic payments are made or received at
the beginning of each period, rather than at
the end. This means the first payment occurs
immediately at the start of the annuity, and
subsequent payments follow at regular
intervals.
 SIMPLE ANNUITY
ORDINARY ANNUITY DEFERRED
ANNUITY DUE ANNUITY

An annuity in An annuity in The periodic

which the which the payment is not
periodic periodic made at the
payment is made payment is beginning nor at
at the end of made at the the end of each
each payment beginning of payment interval,
interval each payment but some later
interval date.
Definition:

Future value – is the total accumulation of the

payments and interest earned
(keywords : amount/balance)

Present value - is the principal that must be

invested today to provide the
regular payments of an annuity.
(keyword: borrow)
 Future value of simple annuity
due
Formula:
 Present value of simple annuity
due
Formula:
Problem
Given:
1:
Hope Borrows money for P = ₱50,000 K=1
the renovation of her r = 8% or i = 0.08
house and repays by 0.08 n = 10(1)=10
making yearly payment of t = 10 years
₱50,000 at the beginning Formula:
of each year for a period
of 10 years at an interest
Solution:
rate of 8% compounded − ( 𝟏𝟎 )
𝟓𝟎 ,𝟎𝟎𝟎[𝟏 − ( 𝟏+𝟎 . 𝟎𝟖 ) ]
annually. How much did 𝑷𝑽 = ¿(𝟏+𝟎 . 𝟎𝟖)
Hope borrow? 𝟎 . 𝟎𝟖

PV= ₱362,344.40
Your turn:
Given:
On retirement, Mr. P = ₱750 K=4
Caloy finds that her r = 8% or 0.08 i = 0.08/4 =
company pension calls for t = 25 years 0.02
payment of $750 to her n = 25(4)=100
or other estate if she dies Formula:
at the beginning of each
month for 25 years. Find
Solution:
the present value of her − ( 𝟏𝟎𝟎 )
𝟕𝟓𝟎[𝟏− ( 𝟏+𝟎 . 𝟎𝟐 ) ]
pension at 8% 𝑷𝑽 = ¿(𝟏+𝟎 .𝟎𝟐)
compounded quarterly. 𝟎 . 𝟎𝟐

PV= ₱32, 970.23

Your turn:
Given:
Suppose Mr. And Mrs. P = ₱20,000 K=1
Mariano Deposited r = 10% or 0.10 i = 0.10/1 =
₱20,000 at the beginning t = 5 years 0.10
of the year for 5 years in n = 5(1)=5
an investment that earns Formula:
10% per year
compounded annually,
Solution:
what is the amount or ( 𝟏𝟎𝟎 )
[ (𝟏+𝟎.𝟏𝟎 ) −𝟏]
future value of the 𝑭𝑽 =(𝟐𝟎, 𝟎𝟎𝟎) ¿(𝟏+𝟎.𝟏𝟎)
annuity? 𝟎.𝟏𝟎

FV= ₱134,312.20
Any Question/Clarification?
 How does changing the
timing of payments from
ordinary annuity to
annuity due affect the
accumulated value of an
investment?
 Why is accuracy important
when managing financial
calculations like annuities,
especially for long-term
investments?
 How does an annuity
due differ from an
ordinary annuity in
terms of payment timing
and financial outcomes?
IT’S YOUR TURN!
 ACTIVITY TIME!

Sagot mo,
I-show
mo!!!
 Solved Using Simple Annuity Due. Write the
final answer in your illustration board.

Given:
Under a factory P = $75 K = 12
savings plan, a machine r = 10% or i = 0.10/12 or
operator deposits $75 at 0.10 t =5 0.008
the beginning of each years
n = 5(12) or 60
Formula:
month for 4 years, and
the management
guarantees accumulation Solution
:
at 10% compounded
monthly. How much 𝑭𝑽 =𝟕𝟓 ¿
stands to the work man’s
credit at the end of 5 5,792.76
years.
 Solved Using Simple Annuity Due. Write the
final answer in your illustration board.

Given:
John plans to invest in a P = $1500 K=4
savings account that offers r = 6% or 0.06 i = 0.05/4 or
a 6% annual interest rate to t = 5 years 0.0125
save for his child's college
n = 5(4) or 20
education. He decides to Formula:
make quarterly deposits of
$1,500 each at the Solution
beginning of every quarter. :
If he intends to save for 5
𝟏𝟓𝟎𝟎 [ 𝟏 − ( 𝟏+𝟎 . 𝟎𝟏𝟐𝟓 ) − ( 𝟐𝟎 ) ]
years, what will be the 𝑷𝑽 =
𝟎 . 𝟎𝟏𝟐𝟓
¿ (𝟏+ 𝟎. 𝟎𝟏𝟐𝟓 )

present value of this simple

annuity due? 𝑷𝑽 =$ 26,728.96
 Solved Using Simple Annuity Due. Write the
final answer in your illustration board.

Given:
Romano’s parents saved P = $12, 000 K=2
for his college education by r = 6% or 0.06 i = 0.06/2 or 0.03
investing ₱12,000 at the t = 16
n = 16(2) or 32
beginning of each year in years
an education plan that Formula:
earns 6% per year
compounded semi - Solution
annually. What is the total :
amount of investment at
( 𝟏 + 𝟎 . 𝟎𝟑 ) 𝟑𝟐 − 𝟏
the end of 16 years 𝑭𝑽 = ( 𝟏𝟐 , 𝟎𝟎𝟎 ) [
𝟎 . 𝟎𝟑
](𝟏 + 𝟎 . 𝟎𝟑)

𝑭𝑽 =₱ 648,934.10
M–A–T
(My achievement today is …)
 CLOSING PRAYER
Dear Lord,
As we bring this class to a close, we are
reminded that we are but a small part of
Your grand design. We are humbled by the
great mysteries of Your universe and the
infinite complexities that exist within it. We
pray that You will continue to guide us in our
pursuit of knowledge, and that You will grant
us the wisdom to navigate the challenges
that lie ahead. May Your love and grace be
with us always.

AMEN.