Challenging Time Value of Money Problem, James Tompkins

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This is an "Understanding Finance Nugget" in which I do a challenging time value of money problem. In fact, if you can do this problem, in my opinion you have an in-depth understanding (not memorization) of this topic. If this does not make complete sense I recommend in order that you watch my two lectures: "Time Value of Money: Single Cash Flows, James Tompkins" and "Time Value of Money: Multiple Cash Flows, James Tompkins".
  1. Understanding Finance
  2. Time Value Of Money
  3. James Tompkins
  4. Finance Education
  5. Finance class
  6. Finance Lecture
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why didnt you multiply with (1+0.0404) when calculating PV of annuity of her college fee.. It's an beginning annuity it should be added or what. Since you multiply with (1+0.00662) when calculating PV of annuity of her saving

sanatbharati