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You have saved $47,000 for college and wish to use $15,000 per year.

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Question 1 2.5 / 2.5 points

You have saved $47,000 for college and wish to use $15,000 per year. If you use the money as an ordinary annuity and earn 6.15% on your investment, how many years will your annuity last? Use a calculator to determine your answer.

Question options:

4.27 years

3.13 years

3.59 years

3.36 years

Question 2 2.5 / 2.5 points

An annuity is a series of:

Question options:

variable cash payments at regular intervals across time.

equal cash payments at regular intervals across time.

variable cash payments at different intervals across time.

equal cash payments at different intervals across time.

Question 3 2.5 / 2.5 points

If you borrow $100,000 at an annual rate of 8% for a 10-year period and repay the total amount of principal and interest due of $215,892.50 at the end of 10 years, what type of loan did you have?

Question options:

Amortized loan

Interest-only loan

Discount loan

Compound loan

Question 4 2.5 / 2.5 points

The main variables of the TVM equation are:

Question options:

present value, future value, time, interest rate, and payment.

present value, future value, perpetuity, interest rate, and payment.

present value, future value, time, annuity, and interest rate.

present value, future value, perpetuity, interest rate, and principal.

Question 5 2.5 / 2.5 points

You just won the Publisher’s Clearing House Sweepstakes and the right to 20 after-tax ordinary annuity cash flows of $163,291.18. Assuming a discount rate of 7.50%, what is the present value of your lottery winnings? Use a calculator to determine your answer.

Question options:

$3,265,823.60

$1,789,520.81

$1,664,670.52

There is not enough information to answer this question.

Question 6 2.5 / 2.5 points

You have just won the Reader’s Digest lottery of $5,000 per year for 20 years, with the first payment today followed by 19 more start-of-the-year cash flows. At an interest rate of 5%, what is the present value of your winnings?

Question options:

$100,000

$65,426.60

$62,311.05

$47,641.18

Question 7 2.5 / 2.5 points

What is the future value in Year 12 of an ordinary annuity cash flow of $6,000 per year at an interest rate of 4% per year?

Question options:

$90,154.83

$93,761.02

$28,675.97

$32,117.08

Question 8 2.5 / 2.5 points

What is the present value of a stream of annual end-of-the-year annuity cash flows if the discount rate is 0%, and the cash flows of $50 last for 20 years?

Question options:

Less than $1,000

Exactly $1,000

More than $1,000

This question cannot be answered because we have an interest rate of 0%.

Question 9 2.5 / 2.5 points

Which is greater, the present value of a $1,000 five-year ordinary annuity discounted at 10%, or the present value of a $1,000 five-year annuity due discounted at 10%?

Question options:

The ordinary annuity is worth more with a present value of $3,790.79.

The annuity due is worth more with a present value of $4,169.87.

The ordinary annuity is worth more with a present value of $4,169.87.

The annuity due is worth more with a present value of $4,586.85.

Question 10 2.5 / 2.5 points

What is the future value in Year 25 of an ordinary annuity cash flow of $2,000 per year at an interest rate of 10% per year?

Question options:

$66,505.81

$55,000.00

$196,694.12

$216,363.53

Question 11 2.5 / 2.5 points

Given the following cash flows, what is the future value at Year 6 when compounded at an interest rate of 8%?

Year 0 2 4 6

Cash Flow $5,000 $7,000 $9,000 $11,000

Question options:

$38,955.39

$56,687.43

$42,074.42

$32,000

Question 12 2.5 / 2.5 points

If you borrow $100,000 at an annual rate of 8% for a 10-year period and repay with 10 equal annual end-of-the-year payments of $14,902.95, then you have just repaid what type of loan?

Question options:

Amortized loan

Interest-only loan

Discount loan

Compound loan

Question 13 2.5 / 2.5 points

Randy W. recently won the Western States Lottery of $6,500,000. The lottery pays either a total of twenty $325,000 payments per year with the first payment today (i.e., an annuity due), or $3,500,000 today. At what interest rate would Randy be financially indifferent between these two payout choices?

Question options:

5.37%

7.36%

7.76%

8.00%

Question 14 2.5 / 2.5 points

What type of loan makes interest payments throughout the life of the loan and then pays the principal and final interest payment at the maturity date?

Question options:

Amortized loan

Interest-only loan

Discount loan

Compound loan

Question 15 0 / 2.5 points

If you borrow $50,000 at an annual interest rate of 12% for six years, what is the annual payment (prior to maturity) on an interest-only type of loan?

Question options:

$0

$6,000

$8,333.33

$12,161.29

Question 16 2.5 / 2.5 points

If for the next 40 years you place $3,000 in equal year-end deposits into an account earning 8% per year, how much money will be in the account at the end of that time period?

Question options:

$120,000.00

$777,169.56

$839,343.12

$2,606,942.58

Question 17 2.5 / 2.5 points

If you borrow $100,000 at an annual rate of 8% for a 10-year period and repay the interest of $8,000 at the end of each year prior to maturity and the final payment of $108,000 at the end of 10 years, then you have just repaid what type of loan?

Question options:

Amortized loan

Interest-only loan

Discount loan

Compound loan

Question 18 0 / 2.5 points

Your firm intends to finance the purchase of a new construction crane. The cost is $1,500,000. How large is the payment at the end of Year 10 if the crane is financed at a rate of 8.50% as a discount loan?

Question options:

$228,611.56

$127,500

$3,391,475.16

There is not enough information to answer this question.

Question 19 2.5 / 2.5 points

Present value calculations do which of the following?

Question options:

Compound all future cash flows into the future

Compound all future cash flows back to the present

Discount all future cash flows back to the present

Discount all future cash flows into the future

Question 20 2.5 / 2.5 points

A/An __________ is a series of cash flows at regular intervals across time.

Question options:

annuity

annuity due

perpetuity due

None of the above

Online Exam 5

Question 21 2.5 / 2.5 points

Assume that Don is 45 years old and has 20 years for saving until he retires. He expects an APR of 8.5% on his investments. How much does he need to save if he puts money away annually in equal end-of-the-year amounts to achieve a future value of $1 million in 20 years’ time?

Question options:

$20,570.00

$20,670.97

$20,770.90

$20,800.00

Question 22 2.5 / 2.5 points

The phrase “price to rent money” is sometimes used to refer to:

Question options:

historical prices.

compound rates.

discount rates.

interest rates.

Question 23 2.5 / 2.5 points

Suppose you invest $1,000 today, compounded quarterly, with the annual interest rate of 5%. What is your investment worth in one year?

Question options:

$1,025.00

$1,500.95

$1,025.27

$1,050.95

Question 24 2.5 / 2.5 points

James is a rational investor wishing to maximize his return over a 20-year period. The current yield curve is inverted with one-year rates at 5% and 20-year rates at 3.5%. James will invest in the lower-rate 20-year bonds if:

Question options:

he thinks rates will fall in the future and locking in long-term rates today may provide the highest long-run average return.

he thinks rates will rise in the future and locking in long-term rates today may provide the lowest long-run average return.

he thinks rates will remain flat at 5% in the future and locking in long-term rates today will prevent him from appearing greedy to those without this investment opportunity.

James has no idea what to do and should just skip this question.

Question 25 2.5 / 2.5 points

Suppose you deposit money in a certificate of deposit (CD) at a bank. Which of the following statements is true?

Question options:

The bank is borrowing money from you without a promise to repay that money with interest.

The bank is lending money to you with a promise to repay that money with interest.

The bank is technically renting money from you with a promise to repay that money with interest.

The bank is lending money to you, but not borrowing money from you.

Question 26 2.5 / 2.5 points

Assume you just bought a new home and now have a mortgage on the home. The amount of the principal is $150,000, the loan is at 5% APR, and the monthly payments are spread out over 30 years. What is the loan payment? Use a calculator to determine your answer.

Question options:

$798.95

$805.23

$850.32

$903.47

Question 27 2.5 / 2.5 points

The two major components of the interest rate that cause rates to vary across different investment opportunities or loans are:

Question options:

the default premium and the bankruptcy premium.

the liquidity premium and the maturity premium.

the default premium and the maturity premium.

the inflation premium and the maturity premium.

Question 28 2.5 / 2.5 points

You put down 20% on a home with a purchase price of $300,000. The down payment is thus $60,000, leaving a balance owed of $240,000. The bank will loan you the remaining balance at 4.28% APR. You will make annual payments with a 20-year payment schedule. What is the annual annuity payment under this schedule?

Question options:

$18,100.23

$22,625.29

$12,000.00

$33,785.23

Question 29 2.5 / 2.5 points

Nominal interest rates are the sum of two major components. These components are:

Question options:

the real interest rate and expected inflation.

the risk-free rate and expected inflation.

the real interest rate and default premium.

the real interest rate and the T-bill rate.

Question 30 2.5 / 2.5 points

When interest rates are stated or given for loan repayments, it is assumed that they are __________ unless specifically stated otherwise.

Question options:

daily rates

annual percentage rates

effective annual rates

APYs

Question 31 2.5 / 2.5 points

The __________ compensates the investor for the additional risk that the loan will not be repaid in full.

Question options:

default premium

inflation premium

real rate

interest rate

Question 32 2.5 / 2.5 points

If you take out a loan from a bank, you will be charged:

Question options:

for principal but not interest.

for interest but not principal.

for both principal and interest.

for interest only.

Question 33 2.5 / 2.5 points

Which of the following statements is true if you increase your monthly payment above the required loan payment?

Question options:

The extra portion of the payment does not go to the principal.

You can significantly increase the number of payments needed to pay off the loan.

The extra portion of the payment increases the principal.

You can significantly reduce the number of payments needed to pay off the loan.

Question 34 2.5 / 2.5 points

We can write the true relationship between the nominal interest rate and the real rate and expected inflation as which of the following?

Question options:

(1 + r) = (1 + r) × (1 + h*)

r = (1 + r*) × (1 + h) – 1

r* = (1 + r) × (1 + h) -1

r = (1 + r*) × (1 + h) + 1

Question 35 2.5 / 2.5 points

Assume that you are willing to postpone consumption today and buy a certificate of deposit (CD) at your local bank. Your reward for postponing consumption implies that at the end of the year:

Question options:

you will be able to consume fewer goods.

you will be able to buy the same amount of goods or services.

you will be able to buy fewer goods or services.

you will be able to buy more goods or services.

Question 36 2.5 / 2.5 points

The typical payments on a consumer loan are made at:

Question options:

the end of each day.

the end of each week.

the end of each month.

the beginning of each month.

Question 37 2.5 / 2.5 points

What is the EAR if the APR is 10.52% and compounding is daily?

Question options:

Slightly above 10.09%

Slightly below 11.09%

Slightly above 11.09%

Over 11.25%

Question 38 2.5 / 2.5 points

Suppose you invest $2,000 today, compounded monthly, with an annual interest rate of 7.5%. What is your investment worth in one year?

Question options:

$2,150

$2,152.81

$2,155.27

$2,154.77

Question 39 2.5 / 2.5 points

Suppose you postpone consumption so that by investing at 8% you will have an extra $800 to spend in one year. Suppose that inflation is 4% during this time. What is the approximate real increase in your purchasing power?

Question options:

$800

$600

$400

$200

Question 40 2.5 / 2.5 points

Which of the following statements is true?

Question options:

On many calculators the TVM key for interest is I/Y; this is Interest per Year, or the EAR rate.

On many calculators the TVM key for interest is Y/I; this is Interest per Year, or the APR rate.

On many calculators the TVM key for interest is I/Y; this is Interest per Year, or the APR rate.

On many calculators the TVM key for a period is I/Y.

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July 1, 2023
    

The purpose of this assignment is to assess your analysis and application of the concepts and content of Lessons 1 – 4. In these lessons you studied wellness, infectious diseases, health screenings and assessments, promoting safe practices through effective classroom management, and child abuse and neglect. For this Signature Assignment, you will reflect on what you learned in Lessons 1- 4 and how you can use this information to promote safety and wellness for young children. The Signature Assignment has three components:

  • Visit a family child care setting, child care center, or preschool classroom. Write a report of your visit. In the report include:
    • The type of site (family child care, child care center, a preschool classroom, etc.), the number of children and teachers at the site, and the time and length of your visit
    • Best practice supervision strategies used during arrival, departure, and transition times that enhance safety
    • A description of the routines and schedules at the site
    • A description of how the teachers created a safe indoor and outdoor environment to minimize risks, hazards, and unintentional injuries
    • A description of how the teachers partner with families and the community to promote children's safety and wellness
    • Precautions used at the site to prevent the spread of infectious diseases
  • Reflect on your visit and identify practices you observed that were in conflict with what you studied in Lessons 1 – 4. Based on your reflection, identify each concern and offer an appropriate best practice to remediate the concern.
  • Your state and local community's prevention requirements including the following:  
    • the pre-employment health assessments required for child care and/or preschool teachers
    • your state's immunizations exemptions 
    • incidence and prevalence of child abuse and neglect in students community
  • Your state and local community's requirements for reporting abuse and neglect, including the following: 
    • your state's reporting requirements for suspected child abuse or neglect
    • resources and services available for children and families who are victims of abuse and neglect
  • The Signature Assignment should be written in 950 – 1000 words.
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July 1, 2023
    

The purpose of this assignment is to assess your analysis and application of the concepts and content of Lessons 1 – 4. In these lessons you studied wellness, infectious diseases, health screenings and assessments, promoting safe practices through effective classroom management, and child abuse and neglect. For this Signature Assignment, you will reflect on what you learned in Lessons 1- 4 and how you can use this information to promote safety and wellness for young children. The Signature Assignment has three components:

  • Visit a family child care setting, child care center, or preschool classroom. Write a report of your visit. In the report include:
    • The type of site (family child care, child care center, a preschool classroom, etc.), the number of children and teachers at the site, and the time and length of your visit
    • Best practice supervision strategies used during arrival, departure, and transition times that enhance safety
    • A description of the routines and schedules at the site
    • A description of how the teachers created a safe indoor and outdoor environment to minimize risks, hazards, and unintentional injuries
    • A description of how the teachers partner with families and the community to promote children's safety and wellness
    • Precautions used at the site to prevent the spread of infectious diseases
  • Reflect on your visit and identify practices you observed that were in conflict with what you studied in Lessons 1 – 4. Based on your reflection, identify each concern and offer an appropriate best practice to remediate the concern.
  • Your state and local community's prevention requirements including the following:  
    • the pre-employment health assessments required for child care and/or preschool teachers
    • your state's immunizations exemptions 
    • incidence and prevalence of child abuse and neglect in students community
  • Your state and local community's requirements for reporting abuse and neglect, including the following: 
    • your state's reporting requirements for suspected child abuse or neglect
    • resources and services available for children and families who are victims of abuse and neglect
  • The Signature Assignment should be written in 950 – 1000 words.
default image
July 1, 2023
    

The purpose of this assignment is to assess your analysis and application of the concepts and content of Lessons 1 – 4. In these lessons you studied wellness, infectious diseases, health screenings and assessments, promoting safe practices through effective classroom management, and child abuse and neglect. For this Signature Assignment, you will reflect on what you learned in Lessons 1- 4 and how you can use this information to promote safety and wellness for young children. The Signature Assignment has three components:

  • Visit a family child care setting, child care center, or preschool classroom. Write a report of your visit. In the report include:
    • The type of site (family child care, child care center, a preschool classroom, etc.), the number of children and teachers at the site, and the time and length of your visit
    • Best practice supervision strategies used during arrival, departure, and transition times that enhance safety
    • A description of the routines and schedules at the site
    • A description of how the teachers created a safe indoor and outdoor environment to minimize risks, hazards, and unintentional injuries
    • A description of how the teachers partner with families and the community to promote children's safety and wellness
    • Precautions used at the site to prevent the spread of infectious diseases
  • Reflect on your visit and identify practices you observed that were in conflict with what you studied in Lessons 1 – 4. Based on your reflection, identify each concern and offer an appropriate best practice to remediate the concern.
  • Your state and local community's prevention requirements including the following:  
    • the pre-employment health assessments required for child care and/or preschool teachers
    • your state's immunizations exemptions 
    • incidence and prevalence of child abuse and neglect in students community
  • Your state and local community's requirements for reporting abuse and neglect, including the following: 
    • your state's reporting requirements for suspected child abuse or neglect
    • resources and services available for children and families who are victims of abuse and neglect
  • The Signature Assignment should be written in 950 – 1000 words.
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Your email is safe, as we store it according to international data protection rules. Your bank details are secure, as we use only reliable payment systems.

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Fair-cooperation guarantee

By sending us your money, you buy the service we provide. Check out our terms and conditions if you prefer business talks to be laid out in official language.

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