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7. In 2005, soccer player David Beckham signed a contract reported to be worth $

ID: 2653800 • Letter: 7

Question

7. In 2005, soccer player David Beckham signed a contract reported to be worth $51 million. The contract called for $2 million immediately and $10 million in 2006. The remaining $39 million was to be paid as $9 million in 2007, $7 million in 2008, $6 million in 2009, $5 million in 2010, $4 million in 2011 and in 2012, $2 million in 2013, and $1 million in 2014 and 2015. Assuming all the payments, except the first $2 million are paid at the end of each year and the discount rate is 9%, what kind of deal did the soccer player snag?

Year 1 2 3 4
Cash Flow $600 –$600 $600 –$600

9. What is the future value of the set of cash flows (from the information above) 4 years from now? Assume an interest rate of 10%.

10. Starting today, George is going to contribute $300 on the first of each month to his retirement account. His employer will contribute an additional 50% of the amount George contributes. If both George and his employer continue to do this and he can earn a monthly rate of .68%, how much will George have in his retirement account 35 years from now?

Explanation / Answer

Present values, based on 9% discounting factor, of all the future cash flows should be considered for the deal.

Year

Cash inflow (a)

Discounting factor at 9%

1 / (1 + 0.9) ^year

Present value [a × discounting factor]

2005

$2 million

1

$2 million

2006

$10 million

0.9174

$9.174 million

2007

$9 million

0.8417

$7.5753 million

2008

$7 million

0.7722

$5.4054 million

2009

$6 million

0.7084

$4.2504 million

2010

$5 million

0.6499

$3.2495 million

2011

$4 million

0.5963

$2.3852 million

2012

$4 million

0.5470

$2.188 million

2013

$2 million

0.5019

$1.0038 million

2014

$1 million

0.4604

$0.4604 million

2015

$1 million

0.4224

$0.4224 million

Total

$38.1144 million

The deal of $51 million has the present value $38.1144 million.

Year

Cash inflow (a)

Discounting factor at 9%

1 / (1 + 0.9) ^year

Present value [a × discounting factor]

2005

$2 million

1

$2 million

2006

$10 million

0.9174

$9.174 million

2007

$9 million

0.8417

$7.5753 million

2008

$7 million

0.7722

$5.4054 million

2009

$6 million

0.7084

$4.2504 million

2010

$5 million

0.6499

$3.2495 million

2011

$4 million

0.5963

$2.3852 million

2012

$4 million

0.5470

$2.188 million

2013

$2 million

0.5019

$1.0038 million

2014

$1 million

0.4604

$0.4604 million

2015

$1 million

0.4224

$0.4224 million

Total

$38.1144 million

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