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We made 10 annual deposits of $3000 each on December 31.What will be the balance

ID: 2460165 • Letter: W

Question

We made 10 annual deposits of $3000 each on December 31.What will be the balance at 5% interest?What is the total interest earned?

How much should be deposited today to have $90,000 in 20 years at 7% interest?What is the total interest earned?

How much should be deposited today so that we can withdraw $40,000 every year on December 31 for 10 years at 8%?What is the total interest earned?

We deposited $1500 today. What will be the balance in 2 years at 24% interest compounded monthly?

What will be the balance if compounded quarterly?

If You borrow money to buy a house, and your annual payments are $24,000 for 15 years. Assuming a 6% interest rate, what was the home’s purchase price?   How much are you actually paying for the house, including interest? How much is the bank making off of you (interest)?

Explanation / Answer

Annual deposit = $3000

r =5%

t = 10

Balance = A = p(1+r/t)^nt

A = 3000(1+0.05/1)^10x1

A = $ 4886.68

Balance at 5 % = $4886.68

Time Interest earned = $4886.68 - 3000

Time Interest earned = $1886.68

Fv = $90000

t = 20 years

r = 7%

PV = FV/(1+r)^n

Pv = 90000/(1+0.07)^20

PV = 90000/3.869684

PV = $23257.71

Time Interest earned = 90000 - 23257.71 =$66742.29

Amount deposited today = $1500

r = 24% compounded monthly

t = 2 years

n = 12 compounded monthy

A = P*(1+r/n)^nt

A = 1500x(1+0.24/12)^12x2

A = 1500 x 1.608437

A =$2412.656

Balance if Compounded quarterly

A = P*(1+r/n)^nt

A = 1500*(1+0.24/4)^4*2

A = 1500x1.593848

A = $2390.772

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