Question 20 If I pay off my entire credit card bill before this date, I do not have to pay interest on the money I have borrowed on my credit card. What is this called? OA. Forbearance period. O B. Grace period. Oc. Default. OD. Probationary period. Save and Quit
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- Lewis’s management has been considering movingto a new downtown location, and they are concerned that these plans may come to fruition priorto the equipment lease’s expiration. If the moveoccurs then Lewis would buy or lease an entirelynew set of equipment, so management wouldlike to include a cancellation clause in the leasecontract. What effect would such a clause haveon the riskiness of the lease from Lewis’s standpoint? From the lessor’s standpoint? If you werethe lessor, would you insist on changing any ofthe other lease terms if a cancellation clause wereadded? Should the cancellation clause containprovisions similar to call premiums or any restrictive covenants and/or penalties of the type contained in bond indentures? Explain your answer.Question 1 A Collage student borrowed $5,000 on August 1 from the bank and must repay a total of $5,300 on July 31st of next year. Determine the interest amount. O a. $5,000 O b.$5,350 Oc. $ 350 O d.$ 300The present value of a fixed-payment loan is calculated as the, all cash flow payments. of the present value of Select one: O a. log b. sum c. multiple d. difference
- A loan of $245,000 is to be repaid in equal quarterly payments over a period of 6 years. If the interest rate is 15.5% compounded quarterly, what is the amount of unpaid principal at the beginning of the fourth year? O a. $107,360 O b. $149,968 O c. $190,365 O d. $105,990 O e. $148,574 A new machine is expected to save $33,400 annually in labor and energy expenses. How much can be justified for the purchase of this equipment now if the company's interest rate is 10% and the machine's useful life is 7 years? O a. $119,976 O b. $233,800 O c. $162,605 O d. $316,872 O e. $178,866Question 19 Find the total amount in your account if you start with $850 at 11% interest for 2.5 years. O a. $1103.4 O b. $432 O c. $1210 O d. $5667Question 8 What shouldI do if I cannot pay off my credit card bill in full? Choose the correct answer: O A. I should skip the payment and pay it in full next month. O B. I should not worry about it. I can pay it in full next month. I should at least make the minimum payment, but should make the biggest Oc. payment I can afford. OD. I should talk to a loan shark and borrow the money until the next pay day. O Chrome Sign-in aga Save and Quit Your Google Why should I probably get my first credit card from the same institution that has DELL & %23 2$ 7 8 e r f w/ S]
- esc a) 6.2% b) 3.4% C 2.8% d) 9.6% O 1. Jimmy has a credit rating of 340 and Sarah has a credit rating of 550. Sarah receives an offer of 6.2% for the interest on a loan. Jimmy has to pay an extra 3.4%. How much is Jimmy's interest? $350.000. He is Glaze C . 1 cup9:48 O O 90% iwe-nnoq-seu ► PROBLEM SOLVING LA bil for a motorbort indicates a cost of P2, s00 dur in 100 deys. but promites a % tistounti Pimbursed within 30 days What is the highest umple interest rate at which the buyer can berrow money in orter to henete trom the tiscnunt? 2. The salling prica ot a TV sat it doutlu that at its net cant, It the TV sut li solit te a ustomer at a profit of 25% af the net cot, how much discount was gven to the customer? 3. A salestady's morthly come at Jessie's Department Stare s partly fied and partiaty variabke, dependng on the value uf her sales for the month When the manthly value uf her salen b P10c00.00, her montiy salary PSOL.cO. Her moothiy income increases to FLO00,00 when hur mnnthiy vales reach PIL00U D0 What must the value of her monthly sales be in order for her monthly salary to reath 4, You re buyng new televnien, From pant experience you estimate future repair cont es S00 during the fiest year, P1800 during second year, P2700 during the…Bank Risks] Banks sometimes issue large, mark etable certificates of deposits when other deposits declin e. The chart below exhibits the ratio of large time deposits to the total deposits in commercial banking industry in the US from 1995 to 2008. As you can o bserve, large time deposits had become increasingly important source of funds for banks. Note that a time deposit is an in terest-bearing bank deposit wi th a specified period of maturity. It is a mon ey deposit at a banking in stitution that cannot be withdrawn for a specific term or period of time. FRED - Large Time Deposits, Al Commercial Banks/Deposits, Al Commercial Bariks 0.32 0.30 0.28 0.26 0.24 0.22 020 0.18 a16 014 0.12 1996 1998 2000 2002 2004 2006 2008 Source Board of Governors of the Federal Reserve System (US) mytredig/F2kV What type of bank risk(s) (Liqui dity risk, credit risk, interest-rate risk, trading risk) does more likely account for this increase in large time dep osits and why? B. of U.S. S/BIl. of U.S. S
- A 5-year ordinary annuity has a present value of $1,000. If the interest rate is 8%, what is the amount of each annuity payment? O a. $216.00 O b. $270.50 O C. $250.46 d. $231.48 P Type here to searchuestion 3 If you want to minimize interest payments on a loan, you'll need one that has a simple interest rate so that yo John opened an account, and knew exactly how much it would be worth at the end of the year, because it used year. What is simple interest? Oa. Interest only on original amount saved or borrowed Ob. interest on original amount saved, borrowed and other interest earned Oc. a fee paid for the use of someone else's money Od. taxes on the original amount saved or borrowed L A Moving to another question will save this response. →An annuity offers a payment of $5000 at the beginning of every three months for twenty years. Interest is compounded monthly at a nominal rate of 8.8%, and the first payment is deferred for 3 years. Determine the amount that you would pay for this annuity today. O a. $ 145 573.01 O b. $ 146 563.01 O c. $ 146 939.01 O d. $ 146 585.01 O e. $ 143 982.01