Valor atual (descontado)

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QUESTÃO CERTA: Um título de valor nominal igual a R$ 20.800 foi descontado 6 meses antes do vencimento, à taxa de desconto racional simples de 5% ao mês. Nesse caso, o valor descontado foi igual a R$ 16.000.

Como a FGV, a CESPE considera VA (Valor Atual) = Valor Descontado (VD).

A = N / (1 + i * t)

A = 20.800 / (1 + 0,05 * 6)

A = 20.800 / (1 + 0,3) 

A = 20.800 / 1,3

A = 16.000

QUESTÃO ERRADA: Um título de valor nominal igual a R$ 5.300 foi descontado 3 meses antes do vencimento, à taxa de desconto comercial simples de 24% ao ano, sem cobrança de taxas administrativas. Nesse caso, o valor descontado foi de R$ 5.000.

24% a.a 

24 / 12 = 2 % a.m 

 

A = Nx (1-i.t)

A= 5300x(1-0,02×3)

A= 5300x(0,94)

A= 4.982

 

QUESTÃO CERTA: Um título com valor nominal de R$ 2.250 foi descontado 4 meses antes do seu vencimento à taxa de desconto comercial simples de 36% ao ano. Nesse caso, o valor atual (valor descontado comercial) foi igual a: R$ 1.980.

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Para solucionar esta questão, basta saber a diferença entre as fórmulas do desconto racioNal simples (por deNtro) e desconto comercial simples (por fora, bancário).

DESCONTO RACIONAL SIMPLES (POR DENTRO):

A: Valor atual

N: Valor futuro (ou valor nominal)

i: taxa de juros

t: tempo

Fórmula: A = N /(1+i.t)

DESCONTO COMERCIAL SIMPLES (BANCÁRIO):

A: Valor atual

N: Valor futuro (ou valor nominal)

i: taxa de juros

t: tempo

Fórmula: A = N x (1-i.t)

O enunciado deu a taxa em ano e o período em mês. Basta dividir a taxa anual por 12, que dá: 0,36/12 = 0,03 ao mês.

Aplicação direta de fórmula:

A = N x (1-i.t)

A = 2250 x (1-0,03.4)

A = 2250 (1-0,12)

A = 2250 (0,88)

A = R$ 1980,00.

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  168. An outstanding share! I have just forwarded this onto a colleague who had been doing a little research on this. And he in fact bought me lunch because I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending time to discuss this issue here on your internet site.

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  189. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four emails with the same comment. Is there any way you can remove me from that service? Cheers!

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  312. Unquestionably believe that which you said. Your favorite reason seemed to be at the internet the easiest factor to take into accout of. I say to you, I certainly get annoyed whilst people consider worries that they plainly don’t know about. You controlled to hit the nail upon the top and outlined out the entire thing with no need side effect , other people could take a signal. Will likely be back to get more. Thank you

  313. Excellent read, I just passed this onto a friend who was doing some research on that. And he just bought me lunch since I found it for him smile Therefore let me rephrase that: Thank you for lunch!

  314. There are some fascinating time limits on this article however I don?t know if I see all of them center to heart. There is some validity however I’ll take maintain opinion till I look into it further. Good article , thanks and we wish more! Added to FeedBurner as nicely

  315. After I originally commented I appear to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I get four emails with the exact same comment. Is there a means you are able to remove me from that service? Thanks.

  316. Hi! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no back up. Do you have any methods to protect against hackers?

  317. May I simply say what a comfort to uncover a person that truly understands what they are talking about on the web. You actually realize how to bring a problem to light and make it important. A lot more people must read this and understand this side of your story. I can’t believe you’re not more popular given that you most certainly have the gift.

  318. I am not sure where you are getting your info, but great topic. I needs to spend some time learning much more or understanding more. Thanks for magnificent information I was looking for this info for my mission.

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  320. I have observed that charges for on-line degree specialists tend to be a great value. For example a full 4-year college Degree in Communication from The University of Phoenix Online consists of 60 credits with $515/credit or $30,900. Also American Intercontinental University Online offers a Bachelors of Business Administration with a overall school element of 180 units and a price of $30,560. Online learning has made getting the diploma been so detailed more than before because you may earn your degree in the comfort of your dwelling place and when you finish from office. Thanks for all the tips I have learned from your web-site.

  321. A powerful share, I simply given this onto a colleague who was doing slightly analysis on this. And he in reality bought me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the treat! However yeah Thnkx for spending the time to debate this, I feel strongly about it and love studying more on this topic. If doable, as you turn into experience, would you mind updating your blog with more particulars? It’s highly useful for me. Huge thumb up for this blog publish!

  322. You could certainly see your expertise in the work you write. The world hopes for even more passionate writers like you who are not afraid to say how they believe. Always follow your heart.

  323. Howdy! This article couldn’t be written any better! Going through this article reminds me of my previous roommate! He always kept preaching about this. I am going to send this information to him. Pretty sure he’s going to have a very good read. I appreciate you for sharing!

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  325. An impressive share! I’ve just forwarded this onto a coworker who was conducting a little homework on this. And he actually bought me lunch due to the fact that I discovered it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending time to discuss this subject here on your web page.

  326. I would also like to say that most individuals that find themselves without having health insurance are generally students, self-employed and people who are laid-off. More than half of the uninsured are under the age of Thirty-five. They do not come to feel they are in need of health insurance since they’re young along with healthy. Its income is usually spent on homes, food, as well as entertainment. A lot of people that do work either entire or not professional are not given insurance by their jobs so they get along without because of the rising expense of health insurance in america. Thanks for the ideas you write about through your blog.

  327. A powerful share, I simply given this onto a colleague who was doing a bit evaluation on this. And he in actual fact purchased me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the deal with! However yeah Thnkx for spending the time to debate this, I feel strongly about it and love reading more on this topic. If doable, as you turn out to be experience, would you mind updating your blog with extra details? It’s highly helpful for me. Large thumb up for this weblog publish!

  328. Can I simply say what a comfort to uncover an individual who actually understands what they are talking about online. You certainly realize how to bring a problem to light and make it important. A lot more people really need to check this out and understand this side of the story. I was surprised that you aren’t more popular because you most certainly have the gift.

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