It seems like you’re asking for the present value (PV) or the principal of an investment or loan with a future value (FV) of $25,000, a time period of 15 years, and an annual simple interest rate of 6.5%.

The formula for the future value (FV) using simple interest is:

$FV = PV(1 + rt)$

Where:

• $FV$ is the future value
• $PV$ is the present value (the amount we're solving for)
• $r$ is the annual interest rate (in decimal form)
• $t$ is the time in years

Rearranging the formula to solve for $PV$:

$PV = \frac{FV}{1 + rt}$

Now, plugging in the values:

• $FV = 25,000$
• $r = 6.5\% = 0.065$
• $t = 15$ years

$PV = \frac{25,000}{1 + (0.065 \times 15)}$

Let’s calculate that.

$PV = \frac{25,000}{1 + 0.975} = \frac{25,000}{1.975} \approx 12,658.23$

So, the present value is approximately $12,658.23.

Let me know if you'd like more details or have any further questions! Here are 5 related questions:

1. What is the impact of a higher interest rate on the present value?
2. How would the future value change if the interest rate were 7% instead of 6.5%?
3. How can you calculate the time required to reach a certain future value with simple interest?
4. What would happen if you had compound interest instead of simple interest? How does that affect the future value?
5. How can simple interest be applied to other types of financial decisions like loans or savings accounts?

Tip: Simple interest calculations are more straightforward than compound interest because the interest is only calculated on the initial principal.