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The second activity compares two employment offers using salary, sign-on bonuses, nontaxable benefits, a 28% tax rate, cost-of-living adjustments, and annual raise percentages to evaluate benefits over two years.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/presentations/","Presentations",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/pf_spreadsheet_application-personal-finance-spreadsheet-activities/248216/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/pf_spreadsheet_application-personal-finance-spreadsheet-activities/248216.png","ImageObject",442,249,{"name":42,"@type":43},"Miles","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-27","2026-09-12",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",8,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What inputs are required for the investment strategy spreadsheet activity?","Question",{"text":63,"@type":64},"Enter annual contributions by age for Strategy 1 and Strategy 2, then use an average 10% yearly rate of return to compute year-end values, total principal invested, total future value, and return on investment at age 65.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"How are year-end values and returns determined in the investment activity?",{"text":68,"@type":64},"Each year’s contribution and the 10% average annual return are used to calculate year-end values, which then support totals for principal invested and future value at age 65.",{"name":70,"@type":61,"acceptedAnswer":71},"How does the employment offer comparison activity calculate monetary values over two years?",{"text":72,"@type":64},"It computes salary and bonus and adds nontaxable benefits, applies tax savings using a 28% tax rate, subtracts cost-of-living adjustments for Job 2, and updates salaries using the specified annual raise rates for each job.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},248216,1791451297,{"code":4,"msg":82,"data":83},"success",[84,88,93,98,103,108,113,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":86,"slug":87},11,90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},16,"Social Media",50,"social-media",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},17,"Forms",40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},18,"Letters",30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":85,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":136,"language":137,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":12,"update_tm":141,"read_time":142},13056703019404,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Copyright © by The McGraw-Hill Companies, Inc . All rights reserved .  \nName   Date   Class    \nChapter 3 Personal Financial Planning  \nSOFTWARE ACTIVITY (OPTIONAL)  \nSpreadsheet Application  \nCalculating and Analyzing Personal Investment Strategies Objective: Illustrate the value of compounding and the importance of  \nlong-term saving and investment strategies.  \nPractice Situation  \nThe following data presents two investment strategies. For strategy 1, assume that Beverly contributes $1,000 annually to her investment account from age 18 through age 24. For strategy 2, Matt contributes $1,000 annually to his investment account beginning at age 28 through age 65. For each strategy presented, assume that the investment will generate an average rate of return of 10 percent per year. Calculate the future values for both investment strategies at age 65, then answer the questions on the next page.  \n\n| Strategy 1: Beverly |  |  |\n| --- | --- | --- |\n| Age | Annual Contribution | Year-end\u003Cbr>Value |\n| 18 | 1,000 |  |\n| 19 | 1,000 |  |\n| 20 | 1,000 |  |\n| 21 | 1,000 |  |\n| 22 | 1,000 |  |\n| 23 | 1,000 |  |\n| 24\u003Cbr>\u003Cbr>64 | 1,000\u003Cbr>\u003Cbr>0 | \u003Cbr>|\n| 65 | 0 |  |\n| Summary Data: |  |  |\n|  | Principal Invested |  |\n|  | Future Value |  |\n|  | Investment Return |  |\n\n\n| Strategy 2: Matt |  |  |\n| --- | --- | --- |\n| Age | Annual Contribution | Year-end\u003Cbr>Value |\n| 25 | 0 |  |\n| 26 | 0 |  |\n| 27 | 0 |  |\n| 28 | 1,000 |  |\n| 29 | 1,000 |  |\n| 30 | 1,000 |  |\n|  31\u003Cbr>64\u003Cbr>|  1,000\u003Cbr>\u003Cbr>1,000 | |\n| 65 | 1,000 |  |\n| Summary Data: |  |  |\n|  | Principal Invested |  |\n|  | Future Value |  |\n|  | Investment Return |  |\n\nContinue spreadsheet data from years 25 through 63.  \nPersonal Finance Chapter 3  \nChapter 3  \n37  \nChapter 3  \n38  \nName   Date   Class    \nSpreadsheet Directions  \n1. Start your spreadsheet software and open problem SA01.xls. Enter the data into the spreadsheet. For Strategy 1, invest $1,000 annually from age 18 to age 24. For years 25 through 65, the annual investment equals $0. In Strategy 2, do not invest anything until age 28. At this point, $1,000 is invested each year through retirement at age 65.  \n2. Input the formulas to calculate the following:  \n• Year-end values  \n• Total principal invested  \n• Total future value  \n• Return on investment  \nNote: Format all dollar amounts to Currency, 2 decimals.  \n3. Perform the calculations, then save your work to a new file labeled SA01***.xls.(Replace *** with your initials.)  \n4. Print out a copy of your work if your teacher has instructed you to do so. Interpreting Results  \n1. What is the total investment for each investment strategy?  \n2. What are the future values associated with each strategy?  \n3. Which strategy would generate the largest return on investment at age 65?  \nDrawing Conclusions  \n1. Based on your calculations, which investor has executed the more favorable investment strategy? Explain.  \n2. Why is it important for young adults to understand how to save, invest, and use money wisely?  \nChapter 3 Personal Finance  \nCopyright © by The McGraw-Hill Companies, Inc . All rights reserved .  \nChapter 4  \n52  \nName   Date   Class    \nChapter 4 Finances and Career Planning  \nSOFTWARE ACTIVITY (OPTIONAL)  \nSpreadsheet Application  \nComparing Employment Offers  \nObjective: Calculate and analyze the monetary values of employee benefits and employment opportunities.  \nPractice Situation  \nYou have been offered two different jobs. Job 1 offers a salary of $45,200, a one-time sign-on bonus of $2,000, and nontaxable employee benefits of $4,000. Job 2 pays $47,000 and $6,100 in nontaxable benefits. Job 2 requires a move to another city where the cost of living is 2 percent higher than that of the Job 1 location. The Job 2 employer will pay for moving expenses. Job 1 offers annual raises of 8 percent, while Job 2 offers annual raises of 3 percent. Compute the monetary values of both job offers for the next two years, then answer the questions that follow. Use a 28 percent t","cbCaiiFsZ4bFysB2","https://ap.wps.com/l/cbCaiiFsZ4bFysB2","pdf",1621734,27,"English","# SOFTWARE ACTIVITY (OPTIONAL) - Spreadsheet Application\n## Calculating and Analyzing Personal Investment Strategies\n## Comparing Employment Offers","[{\"question\":\"What inputs are required for the investment strategy spreadsheet activity?\",\"answer\":\"Enter annual contributions by age for Strategy 1 and Strategy 2, then use an average 10% yearly rate of return to compute year-end values, total principal invested, total future value, and return on investment at age 65.\"},{\"question\":\"How are year-end values and returns determined in the investment activity?\",\"answer\":\"Each year’s contribution and the 10% average annual return are used to calculate year-end values, which then support totals for principal invested and future value at age 65.\"},{\"question\":\"How does the employment offer comparison activity calculate monetary values over two years?\",\"answer\":\"It computes salary and bonus and adds nontaxable benefits, applies tax savings using a 28% tax rate, subtracts cost-of-living adjustments for Job 2, and updates salaries using the specified annual raise rates for each job.\"}]","PF_SPREADSHEET_APPLICATION - Personal Finance Spreadsheet Activities | PDF",1789244903,9]