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The following table shows Uma’s estimated annual benefits of holding different a

ID: 1256160 • Letter: T

Question

The following table shows Uma’s estimated annual benefits of holding different amounts of money:


How much money will Uma hold on average if the nominal interest rate is 8 percent? 4 percent? 2 percent? Assume that she wants her money holding to be a multiple of $100. (Hint: Make a table comparing the extra benefit of each additional $100 in money holdings with the opportunity cost, in terms of forgone interest, of additional money holdings.)

Instruction:  Enter your responses as integer values.

Uma's average money holdings at:

8 percent: $___.

4 percent: $___.

2 percent: $___.

  Average money holdings ($)   Total benefit
($)
   500 35   600 47   700 57   800 65   900 71 1,000 75 1,100 77 1,200 77

Explanation / Answer

Uma's average money holdings at:

8 percent:

Uma will therefore hold $ 800 in cash when the interest rate is 8 percent; it is at that level where the marginal condition MC = MB.

Note that the marginal cost of an extra $ 100 is always $ 8 at 8 percent, so equating marginal cost and marginal benefit (without MC being greater than marginal benefit) is at $ 800 on the table.


4 percent:

Uma will therefore hold $ 1000 in cash when the interest rate is 4 percent; it is at that level where the marginal condition MC = MB.

Note that the marginal cost of an extra $ 100 is always $ 4 at 4 percent, so equating marginal cost and marginal benefit (without MC being greater than marginal benefit) is at $ 1000 on the table.


2 percent:

Uma will therefore hold $ 1100 in cash when the interest rate is 2 percent; it is at that level where the marginal condition MC = MB.

Note that the marginal cost of an extra $ 100 is always $ 2 at 2 percent, so equating marginal cost and marginal benefit (without MC being greater than marginal benefit) is at $ 1100 on the table.

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