Suppose that your monthly net income is $2,950. Your monthly debt payments include your student loan payment and a gas credit card. They total $590. What is your debt payments-to-income ratio? %
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Suppose that your monthly net income is $2,950. Your monthly debt payments include your student loan payment and a gas credit card. They total $590. What is your debt payments-to-income ratio? %
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- A project does not necessarily have a unique IRR. (Refer to the previous problem for more information on IRR.) Show that a project with the following cash flows has two IRRs: year 1, 20; year 2, 82; year 3, 60; year 4, 2. (Note: It can be shown that if the cash flow of a project changes sign only once, the project is guaranteed to have a unique IRR.)First City Bank pays 8 percent simpleinterest on its savings account balances, whereas Second City Bank pays 8 percentinterest compounded annually. If you made a $5,000 deposit in each bank, howmuch more money would you earn from your Second City Bank account at the endof 10 years?You are saving for the college education of your two children. They aretwo years apart in age; one will begin college 15 years from today and the otherwill begin 17 years from today. You estimate your children’s college expenses to be$45,000 per year per child, payable at the beginning of each school year. The annualinterest rate is 7.5 percent. How much money must you deposit in an account eachyear to fund your children’s education? Your deposits begin one year from today.You will make your last deposit when your oldest child enters college. Assume fouryears of college.
- Your Finance Department makes sure your company has the financial resources it needs to run through the year. The department can raise money via one-year bank notes, 10-year bonds or stock issues.O TrueO FalseIt is important to get the bank to grant you the loan you need. What do you think the bank will consider before granting it if it only had to focus on one thing? Of the three alternatives, which one do you consider to be the most relevant for the bank? a. sales volume b. confirming that the sum of the expected profit after taxes plus depreciation exceeds the annual repayment. c. Ensuring that profit before interest and taxes is approximately 5% of salesYour parents invest $10,000 in a college fund when you are born. They find a fund that will return 8% per year for 18 years. When you are 18 you find a school that charges $12,000 tuition per year. Tuition increases at a rate of 11% per year (so the second year will have a tuition of 13200) Explain how this will not be enough money take care of four years of school? How many years of college will this take care of? Explain your answer fully.
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- Determine a capital good (an item with a useful life in excess of 1 year) that you need to acquire for your business. How will this asset improve the efficiency or effectiveness of your business? How is the future benefit of the asset translated into the present and quantified for a profitable decision for your business? Which technique to evaluate the data best suits your business? Explain.Please answer along with the excel formulas - 1. Sue now has $125. How much would she have after 8 years if she leaves it invested at 8.5% with annual compounding? $205.83 $216.67 $228.07 $240.08 $252.08 2. Suppose you have $1,500 and plan to purchase a 5-year certificate of deposit (CD) that pays 3.5% interest, compounded annually. How much will you have when the CD matures? $1,781.53 $1,870.61 $1,964.14 $2,062.34 $2,165.46 3. Last year Rocco Corporation's sales were $225 million. If sales grow at 6% per year, how large (in millions) will they be 5 years later? $271.74 $286.05 $301.10 $316.16 $331.96a.Use the appropriate formula to find the value of the annuity. b.Find the interest. Periodic Deposit Rate Time $6000 at the end of each year 5.5% compounded annually 20 years Click the icon to view some finance formulas. a.The value of the annuity is $_______. (Do not round until the final answer. Then round to the nearest dollar as needed.) b.The interest is $________. (Use the answer from part (a) to find this answer. Round to the nearest dollar as needed.)