After graduating law school Amy has to start repaying her $110,000 in loans. Assuming the annual interest rate is 7.5% over a 20 year repayment period, what will be the monthly loan payments?

a. $886.15
b. $458.34
c. $899.18
d. $906.93

Answers

Answer 1

Answer:

monthly payment= $886.15

Explanation:

Giving the following information:

PV= $110,000

i= 0.075/12= 0.00625

n= 12*20= 240

To calculate the monthly payment, we need to use the following formula:

monthly payment= (PV*i) / [1 - (1+i)^(-n)]

monthly payment= (110,000*0.00625) / [1 - (1.00625^-240)]

monthly payment= $886.15


Related Questions

Mounts Corporation produces and sells two products. In the most recent month, Product I05L had sales of $32,000 and variable expenses of $10,880. Product P42T had sales of $45,000 and variable expenses of $18,380. And the fixed expenses of the entire company were $46,070. The break-even point in sales dollars for the entire company is closest to
A. $75,330
B. $74,306
C. $30,930
D. $46,070

Answers

Answer:

B. $74,306

Explanation:

First, we need to calculate contribution margin for both.

Product 105L

Sales $32,000

Less variable expenses ($10,880)

Contribution margin $21,120

Contribution margin ratio = Contribution margin ÷ Sales

= $21,120 ÷ $32,000

= 66%

Product P42T

Sales $45,000

Less variable expenses ($18,380)

Contribution margin $26,620

Contribution margin ratio = Contribution margin ÷ Sales

= $26,620 ÷ $45,000

= 59.2%

Total sales for both products $77,000

Less Total variable expenses ($29,260)

Total contribution margin $47,740

Total contribution margin ratio $47,740 ÷ $77,000 = 62%

Fixed expenses for both companies = $46,070

Therefore,

Break even point in sales for both companies = Total fixed expenses ÷ Contribution margin ratio

= $46,070 ÷ 62%

= $74,306.45

Milner Company is working on two job orders. The job cost sheets show the following. Assign costs to work in process.

Job 201 Job 202
Direct materials $7,200 $9,000
Direct labor 4,000 8,000
Manufacturing overhead 5,200 9,800

Required:
Prepare the three summary entries to record the assignment of costs to Work in Process from the data on the job cost sheets.

Answers

Answer:

Full Question "(a) (To assign materials to jobs.) (b) (To assign labor to jobs.) (c) (To assign overhead to jobs.)"

No Date  Account Title and Explanation      Debit       Credit

a               Work in process inventory             $16,200

                 ($7,200+$9,000)

                      Raw material inventory                             $16,200

                 (To assign materials to jobs)

b.               Work in process inventory              $12,000

                  ($4,000+$8,000)

                        Factory labour                                           $12,000

                  (To assign labour to job)

c.                 Work in process inventory              $15,000

                   ($5,200+$9,800)

                          Manufacturing overhead                         $15,000

                    (To assign overhead to jobs)

Troy will receive $7,500 at the end of Year 2. At the end of the following two years, he will receive $9,000 and $12,500, respectively. What is the future value of these cash flows at the end of Year 6 if the interest rate is 8%?a. $36.121.08.b. $38,418.80.c. $32,90767.d. $39,010.77.e. $33,445.44.

Answers

Answer:

Total FV= $36,121.08

Explanation:

Giving the following information:

Cash flows:

Cf2= $7,500

Cf3= $9,000

Cf4= $12,500

Interest rate= 8%

To calculate the future value, we need to use the following formula on each cash flow:

FV= PV*(1+i)^n

Cf2= 7,500*(1.08^4)= 10,203.67

Cf3= 9,000*(1.08^3)= 11,337.41

Cf4= 12,500*(1.08^2)= 14,580

Total FV= $36,121.08

how is an emergency fund simalar to and different from a savings fund?

Answers

The difference is that you use an emergency fund for dire situations such as paying off hospital fees or paying sudden unexpected bills

Savings fund is more where you save for a down payment or a car or other things you are saving up for

The things these have in common is that for each fund you are saving for an event like how you save up for a car or unexpected bills

What's the future value of $55,000 after 20 years if the appropriate interest rate is 3%, compounded semiannually?

Answers

Answer:

$99,771

Explanation:

future value = present value x (1 + interest rate)ⁿ

present value = $55,000interest rate = 3% / 2 = 1.5% semiannualn = 20 years x 2 = 40 semiannual periods

future value = $55,000 x (1 + 1.5%)⁴⁰ = $55,000 x 1.81402 = $99,771

When interest is compounded semiannually, the effective interest rate is slightly higher than when it is compounded annually.

effective interest rate = (1 + 3%/2)² - 1 = 3.0225%

Dusty Corporation began business on January 1, 2020. The corporate charter authorizes issuance of 100,000 shares of .01 par value common stock and 10,000 shares of $1 par value, 10% cumulative preferred stock. On July 1, 2020, Dusty issued 30,000 shares of common stock in exchange for three years of rent on a retail location. The cash rental price is $4,200 per month and the rental period begins July 1. How should Dusty adjust its financial statement for the issuance of the shares on July 1?

a. Increase cash by $151,200, and increase prepaid rent by $151,200.
b. Increase prepaid rent by $151,200, and increase common stock by $151,200.
c. Increase prepaid rent by $151,200, increase common stock by $300 and increase additional paid-in capital by $150,900.
d. Increase prepaid rent by $151,200, increase common stock by $150,900, and increase additional paid-in capital by $300.

Answers

Answer:

The answer is "Option c".

Explanation:

                                                                                                 Dr.                    Cr.

Prepayment of rent                                                            151,200

Popular stock                                                                                                  300

Extra capital expenditures                                                                      150,900

Dusty Corporation should adjust its financial statement to record the issuance of the shares on July 1, 2020 as follows:

c. Increase prepaid rent by $151,200, increase common stock by $300, and increase additional paid-in capital by $150,900.

Data and Calculations:

Authorized share capital:

100,000 shares, Common Stock at $0.01 par value = $1,000 ($100,000 x $0.01)

10,000 shares, 10% Cumulative Preferred Stock at $1 par value = $10,000 (10,000 x $1)

Analysis of Issuance:

30,000 shares, Common Stock at $0.01 par value = $300 (30,000 x $0.01)

Rental cost = $151,200 ($4,200 x 36 months)

Prepaid Expense $151,200 Common Stock $300 Additional Paid-in Capital $150,900 ($151,200 - $300)

Learn more: https://brainly.com/question/17168516

If the general level of interest rates in the economy moves up, then investors will require a _____ rate of return on securities, and, in general, stock prices should _____ , ceteris paribus.
A. lower, increase
B. higher, decline
C. higher, increase
D. lower, decline

Answers

Answer:

B. higher, decline

Explanation:

Monetary policy can be defined as the actions (macroeconomic policies) adopted and undertaken by the central bank of a particular country to control the money supply and interest rates so as to boost or enhance economic growth. The central bank uses monetary policies to manage inflation, economic growth through long-term interest rates and level of unemployment in a country. In order to boost economic growth, monetary policy is used to increase money supply (liquidity) while it is also used to prevent inflation by reducing money supply.

If the general level of interest rates in the economy moves up, then investors will require a higher rate of return on securities such as bonds, and, in general, stock prices should decline because they are less volatile, ceteris paribus (all things being equal).

An advertising agency wishes to estimate, with 99% confidence and to within $45, the mean amount small business owners would be willing to pay for a professionally produced web page for their businesses. Assuming a standard deviation of such amounts to be $250, the estimated minimum sample size needed to meet these criteria is about:__________

Answers

Answer:

b) 205

Explanation:

Option are "(a) 103 b) 205 c) 644 d) 97"

The estimated minimum sample size needed to meet these criteria is calculated below: n = (Z*σ/E)^2

n = (2.58 * 250 / 45)^2

n = (645 / 45)^2

n = (14.33)^2

n = 205.3489

n = 205

Bill Darby started Darby Company on January 1, 2016. The company experienced the following events during its first year of operation:

a. Earned $1,600 of cash revenue.
b. Borrowed $3,000 cash from the bank.
c. Adjusted the accounting records to recognize accrued interest expense on the bank note. The note, issued on September 1, Year 1, had a one-year term and an 10 percent annual interest rate.

Required:
a. What is the amount of interest payable at December 31, 2016?
b. What is the amount of interest expense in 2016?
c. What is the amount of interest paid in 2016?

Answers

Answer:

Darby Company

a. The amount of interest payable at December 31, 2016 is $100.

b. The amount of interest expense in 2016 is $100.

c. The amount of interest paid in 2016 is $0.

Explanation:

a) Data and Calculations:

Notes Payable to the bank = $3,000

Interest rate = 10%

Period of note = 1 year

Issue date = September 1

Interest on the note = $3,000 * 10% * 4/12 = $100

b) The interest payable in 2016 equals the interest expense for 2016.  From the calculations, there is no payment for interest expense in 2016, that is why the interest payable equals the interest expense.

What is the minimum number of integers that you must pick between 0 and 9 (inclusive), such that two of them add up to 9?

Answers

Answer:

6

Explanation:

there are 5 different possible combinations of two integers that equal 9 when you add them together:

(0,9)(1,8)(2,7) (3,6)(4,5)

The worst case scenario is that you choose 0, 1, 2, 3, and 4, and adding any pair will not result in 9. So you will need to choose a sixth number and whichever that number is (either 5, 6, 7, 8 or 9), you will be able to add it to another one to get 9.

The best case scenario is that you choose only two and you are lucky enough to get a combination that works.

Spiro Corp. uses the sum-of-the-years' digits method to depreciate equipment purchased in January year 1 for $20,000. The estimated salvage value of the equipment is $2,000 and the estimated useful life is four years. What should Spiro report as the asset's carrying amount as of December 31, year 3

Answers

Answer:

Carrying value on Dec 31, Year 3= $3,800

Explanation:

Depreciable amount = Cost -  Salvage Value

Depreciable amount  = 20,000-2,000

Depreciable amount = $18,000

Sum of years’ digits = 1+2+3+4 = 10

Depreciation for Year 1 = 18,000*4/10 = 7,200

Depreciation for Year 2 = 18,000*3/10 = $5,400

Depreciation for Year 3 = 18,000*2/10 = $3,600

Carrying value on Dec 31, Year 3 = Purchase cost - Depreciation

Carrying value on Dec 31, Year 3 = $20,000 - $7,200 - $5,400 - $3,600

Carrying value on Dec 31, Year 3= $3,800

Suppose the beta of Microsoft is 1.13, the risk-free rate is 3 percent, and the market risk premium is 8 percent. Calculate the expected return for Microsoft. A. 12.04 percent B. 15.66 percent C. 13.94 percent D. 8.65 percent

Answers

Answer:

i think its C

Explanation:

A building was purchased for $68,000. The asset has an expected useful life of eight years and depreciation expense each year is $5,000 using the straight-line method. What is the residual value of the building?A. $13,625 B. $8,625 C. $37,000.

Answers

The options provided are incorrect. The correct answer is given below.

Answer:

Residual value = $28000

Explanation:

The straight line method of charging depreciation is a method that charges a constant depreciation expense throughout the useful life of the asset. The formula to calculate the depreciation expense under the straight line method is as follows,

Depreciation expense = (Cost - Residual value) / Estimated useful life of the asset

Plugging in the values for depreciation expense, cost and estimated useful life, we can calculate the residual value to be,

5000 = (68000 - Residual value) / 8

5000 * 8 = 68000 - Residual value

40000 + Residual value = 68000

Residual value = 68000 - 40000

Residual value = $28000

Scubapro Corporation currently has 500,000 shares of common stock outstanding and plans to issue 200,000 more shares in a seasoned equity offering. The current shareholders have pre-emptive rights on any new issues of common stock by Scubapro Corporation. How many shares would an investor who currently has 20,000 shares, have the right to buy if she exercises her pre-emptive right?A) 200,000 shares.
B) 120,000 shares.
C) 20,000 shares.
D) 12,000 shares.
E) 8,000 shares.

Answers

Answer:

Scubapro Corporation

The investor who currently has 20,000 shares has the right to buy this number of shares, if she exercises her preemptive right:

E) 8,000 shares.

Explanation:

Data and Calculations:

Outstanding common stock = 500,000

Planned issue of additional shares = 200,000

Proportion of new issue to outstanding = 0.40 (200,000/500,000)

For an investor with 20,000 shares, she has the right to buy 8,000 (20,000 * 0.40) additional shares.

When benchmarking measures against the best levels of performance, these best levels may be found:A. inside the organization.B. outside the organization.C. inside and outside the organization.D. None of these is correct.

Answers

Answer:

C. inside and outside the organization

Explanation:

Benchmarking is the process in which the company compared its products and processes with the other companies to measure its performance.

But for the best performance level here we have to considered it for both internal and outside organization that involves the customers, competitors, suppliers, etc

Therefore the correct option is c

And, the same is to be considered

Match each balance sheet item to its correct category.

Categories: Assets, Liabilities, Equity

Balance sheet items: Cash, Rent, Loan, wages payable, retained earnings, computers, furniture, owners personal investment

Answers

Answer:

See below

Explanation:

Assets, Liabilities, and  Equity form the basis for preparing the balance sheet. They make the accounting equation of Assets= Liabilities + Equity.

Assets are the valuables a business owns. They can be in the form of cash, money in the banks, financial instruments, properties, machines, or motor vehicles.

Assets will be

Cashcomputers,furniture

Liabilities are what the business owes to third parties and supplies. Liabilities are usually in the monetary form, such as loans, rent, and accounts payable.

Liabilities

Rent, Loanwages payable,

Equity is the owner's contribution to the business. They include capital and retained earnings.

Equity

retained owners personal investment earnings,

Quilcene Oysteria farms and sells oysters in the Pacific Northwest. The company harvested and sold 7,200 pounds of oysters in August. The company’s flexible budget for August appears below:
Quilcene Oysteria
Flexible Budget
For the Month Ended August 31
Actual pounds (q) 7,200
Revenue ($4.20q) $30,240
Expenses:
Packing supplies ($0.35q) 2,520
Oyster bed maintenance ($3,300) 3,300
Wages and salaries ($2,000 + $0.35q) 4,520
Shipping ($0.65q) 4,680
Utilities ($1,290) 1,290
Other ($460 + $0.01q) 532
Total expense 16,842
Net operating income $13,398
The actual results for August were as follows:
Quilcene Oysteria
Income Statement
For the Month Ended August 31
Actual pounds 7,200
Revenue $27,200
Expenses:
Packing supplies 2,690
Oyster bed maintenance 3,160
Wages and salaries 4,930
Shipping 4,410
Utilities 1,100
Other 1,152
Total expense 17,442
Net operating income $9,758
Required:
Compute the company’s revenue and spending variances for August.

Answers

Answer:

Quilcene Oysteria

Computation of revenue and spending variances for August:

                                                                Flexible      Actual      Variance

For the Month Ended August 31

Actual pounds (q)                                    7,200         7,200        None

Revenue ($4.20q)                                  $30,240    27,200      $3,040   U

Expenses:

Packing supplies ($0.35q)                        2,520      2,690           -170    U

Oyster bed maintenance ($3,300)           3,300       3,160            140    F

Wages and salaries ($2,000 + $0.35q)   4,520      4,930          -410    U

Shipping ($0.65q)                                     4,680        4,410           270    F

Utilities ($1,290)                                         1,290        1,100            190    F

Other ($460 + $0.01q)                                532         1,152          -620   U

Total expense                                         16,842      17,442          -600   U

Net operating income                          $13,398    $9,758       -3,640   U

Explanation:

Quilcene Oysteria 's budget comparison with actual performance shows that there is an unfavorable variance of $3,640 arising from the less than impressive sales revenue and excessive spending incurred during August.  The firm realized less revenue than budgeted and incurred more expenses than budgeted.  The result is this unfavorable variance of $3,640.

Discuss environmental factors related to population that are changing the way certain people approach car buying and are thus creating new market segments.

Answers

Explanation:

Sustainability is a subject that is growing in the world in which we live, there is a greater dissemination of information on environmental responsibility in the communication media and campaigns so that there is a reduction in the environmental impacts caused by large companies.

The greater interest in the subject, leads to a greater awareness and desire of people to consume sustainable products, this scenario leads to two considerations: companies are encouraged to implement environmental protection programs, and new products and services that meet the new requirements emerge. environmental requirements that are emerging, such as the greater demand for electric cars, which have cleaner and more sustainable energy.

First City Bank pays 7 percent simple interest on its savings account balances, whereas Second City Bank pays 7 percent interest compounded annually.If you made a $64,000 deposit in each bank, how much more money would you earn from your Second City Bank account at the end of 9 years? (Do not round intermediate calculations and round your final answer to 2 decimal places. (e.g., 32.16))

Answers

Answer:

$13,341.39

Explanation:

The computation is shown below:

For First city bank,

The Future value is

= $64,000 + $64,000 × 7%× 9

= $64,000 + $40,320

= $104,320

And  for Second city bank,

Given that

NPER = 9,

RATE = 7%,

PV = $64,000

PMT = $0

The formula is shown below:

=-FV(RATE;NPER;PMT;PV;TYPE)

After applying the above formula, the future value is $117,661.39

Now finally

More money would be

= $117,661.39- $104,320

= $13,341.39

The human resources department at a major high tech company recently conducted an employee satisfaction survey of 100 of its 3000 employees.Data were collected on such variables as age,gender,marital status,current salary,level of overall satisfaction on a scale from 1 to 5,number of years with the company,and job title.Which of the variables listed are considered to be ratio level data?A) Age and years with the companyB) Gender and marital statusC) Job titleD) None of the variables is ratio level.

Answers

Answer: Gender and marital status and Job title.

Explanation:

Ratio scale simply refers to a form of quantitative variable measurement scale whereby differences can be compared by the researcher.

Of the options given among variables listed are considered to be ratio level data are gender, marital status and Job title.

Suppose Shaan invested just $10,000 of his own money and had a $90,000 mortgage with an interest rate of 8.5 percent. After three years, he sold the property for $120,000.
(a) What is his gross profit?
(b) What is his net profit or loss? (Input the amount as a positive value.)
(c) What is the rate of return on investment? (Negative amount should be indicated by a minus sign. Enter your answer as a percent rounded to 2 decimal places.)

Answers

Answer:

a. $20,000

b. -$2,950

c. -29.50%

Explanation:

The computation is shown below:

a. Gross Profit is

= Sale value of Property - Invested amount - Mortgage amount

= $120,000 - $10,000 - $90,000

= $20,000

b. Net Profit

= Gross profit - number of years × mortgage amount × rate of interest

= $20,000 - 3 × $90,000 × 8.5%

= -$2,950

And,

c) Rate of return  is

= Net profit ÷ invested amount

= -$2,950 ÷ $10,000

= -29.50%

It is estimated that the annual maintenance cost of a statue erected in front of a public building in a state capital would be $1,000. Assuming an interest rate of 4% compounded annually, determine the capitalized cost for maintaining the statue.

Answers

Answer:

$24,630.54

Explanation:

Calculation to determine the capitalized cost for maintaining the statue

First step is to calculate the Effective interest rate

Effective interest rate = (1+.04/4) ^4 -1

Effective interest rate= 0.04060

Last step is to calculat the capitalized cost for maintaining the statue using this formula

Capitalized cost =Annual maintenance cost /Effective interest rate

Let plug in the formula

Capitalized cost = ($1,000/0.04060)

Capitalized cost = $24,630.54

Therefore the capitalized cost for maintaining the statue will be $24,630.54

What are some types of performance that a manaer would have to control for a home health care agency? A. A health insurance companyB. A primary care clinicC. An outpatient surgery facilityD. A mental health counseling center E. A medical supply store

Answers

Answer:

A. A health insurance company

B. A primary care clinic

E. A medical supply store

Explanation:

Management control can be defined as how the role of various individuals and groups within an organization are being monitored, controlled, and regulated to perform specific actions and avoid other non-essential activities to accomplish the organization's goals.

For a health care agency, some types of performance the manager would have to control for a home health care agency are:

A health insurance company:

Their role is to ensure that high health care cost is made affordable to individuals.

They must also ensure that a top-notch health service is being provided to the patients.

A primary care clinic:

They are responsible for the prevention of disease outbreaks and counseling their clients about how to take good care of their health conditions.

A medical supply store:

They serve as an inventory supply unit that are liable for the distribution of medical supplies to the individuals.

Carla Vista Clinic purchases land for $480000 cash. The clinic assumes $4200 in property taxes due on the land. The title and attorney fees totaled $3200. The clinic had the land graded for $8100. What amount does Carla Vista Clinic record as the cost for the land?A. $476200 B. $470000. C. $484500 D. $478300.

Answers

Answer:

$495,500

Explanation:

Carla costs clinic purchases a land for $480,000

The clinic assumes $4,200 in property taxes

The title and attorney fee is $3,200

The land was graded for $8,100

Therefore the cost of the land can be calculated as follows

= $480,000 + $4,200+$3,200 + $8,100

= $495,500

Suppose you have $10,000 in cash and you decide to borrow another $10,000 at a(n)6% interest rate to invest in the stock market. You invest the entire $20,000 in an exchange-traded fund (ETF)with a 10% expected return and a 20% volatility. Assume that the ETF you invested in returns -10%. Then the realized return on your investment is closest to ________.
A)-18%
B)-10%
C)-23%
D)-26%

Answers

Answer:

D)-26%

Explanation:

The computation of the realized return on your investment is shown below:

= (Rate of return × total investment) - (interest paid)

= (-10% × $20,000) - (6% × $1,000)

= (-$2000 - $600)

= -$2,600

Now  the Rate of return is

=(-$2,600 ÷ $10,000)

= -26%

hence, the realized return on your investment is -26%

Therefore the correct option is D.

What is HKDL’s biggest challenge in keeping employees motivated?

Answers

Answer:

before u uguihv t

Explanation:

hhgj it u 7uutui

Suppose that instead of paying per hour, a moving company offers a flat rate of $1,200 for movers plus a truck for an eight hour day. If you hired this moving company and used them for the entire eight hours, how much consumer surplus would you gain?

Answers

Answer:

the first part of the question is missing, so I looked for a similar one (see attached image):

the cost of hiring a moving crew for 8 hours = $250 per hour x 8 hours = $2,000

the competing company offered you a deal worth $1,200

since you expect to use the moving crew during the whole 8 hours, you will gain = $2,000 - $1,200 = $800 in consumer surplus

Consumer surplus is the difference between what a consumer (in this case you) are willing to pay for a good or service and the actual price of the good or service. Consumer should be willing to consumer a good or service as long as the consumer surplus is ≥ 0.

800 dollars of consumer surplus would be earned.

We can arrive at this answer as follows:

You must calculate the cost of hiring the team. This will be done with the following calculation:

[tex]250*8=2,000[/tex]

In this case, we can consider that the cost of hiring the team for eight hours of work will be [tex]2,000[/tex] dollars.

Then, we can calculate the difference between the team's hiring price and the $1,200 that the competitor offered. This will be done with the following calculation:

[tex]2,000-1,200=800[/tex]

With that, we can say that the consumer surplus is equal to 800 dollars.

The question above is incomplete. The full question is in the attached image.

More information:

https://brainly.com/question/20840766?referrer=searchResults

Effective teams have confidence in themselves and believe they can succeed. This confidence is called ________.
A) social facilitation
B) goal congruence
C) social loafing
D) team efficacy
E) self-serving bias

Answers

Answer:

D) team efficacy

Explanation:

Team efficacy can be defined as the joint or collective beliefs that the members of a team have in its capacity to effectively execute a specific project or task, accomplish its organizational set goals and objectives through the use of team efforts and skills.

Hence, effective teams have confidence in themselves and believe they can succeed. This confidence is called team efficacy because all the members of the team bring their own skills, viewpoints, experience, knowledge to achieve success.

To _____ an activity means to shorten the time it will take. A. smash B. fund C. crash D. aggregate E. matrix

Answers

The correct answer is:

C. crash

Investment in an equipment project yields a net present worth of (–$150) at 15% interest rate and $95 at 20% interest rate. Calculate the internal rate of return on this investment.

Answers

Answer:

18.067%

Explanation:

Let , i = 15% , then NPV = -$150 ,

When i = 20%, NPV = $95 A

At IRR , let the NPV = 0

Now, using the linear interpolation method we get

20% - 15%/ IRR -15 = 95-(-150) / 0-(-150)

20% - 15%/ IRR -15 =  245 / 150

5 / IRR -15 = 1.63

1/IRR -15 = 0.326

1/0.326 = IRR - 15

3.067 = IRR -15

IRR = 3.067+ 15

IRR = 18.067%

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