This is an "Understanding Finance Nugget" in which I do another challenging time value of money problem. This is not quite as hard as the previous nugget (Challenging Time Value of Money Problem), but nevertheless a challenge. 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".