Varto company has 11800 units of its sole product in inventory that it produced last yrear at a cost of $24 each. this years model is superior to last year's and the 11800 units cannot be sold at last years regular selling price of $55 each. Varto has two alternatives for these items:

Answers

Answer 1

Complete question:

Varto Company has 11,800 units of its sole product in inventory that it produced last year at a cost of $24 each. This year’s model is superior to last year’s and the 11,800 units cannot be sold at last year’s regular selling price of $55 each. Varto has two alternatives for these items:

(1) they can be sold to a wholesaler for $9 each, or

(2) they can be reworked at a cost of $220,000 and then sold for $27 each. Prepare an analysis to determine whether Varto should sell the products as is or rework them and then sell them.

Answer:

Varto company should not process further, they should sell it as it is.

Explanation:

Given:

For last year:

Product quantity = 11800

Cost = $24 each

For this year, the model is superior to last year's model and they can't be sold for the same price.

Required:

Prepare an analysis to determine whether Varto should sell the products as is or rework them and then sell them.

Analysis is prepared below:

INCREMENTAL REVENUE AND COST OF ADDITIONAL PROCESSING

Revenue if processed further: (11800*$27)  318600

Revenue if sold as it is: (11800*$9) 106200

Incremental revenue: (318600-106200) 212400

Further processing cost: 220000

Incremental net income: (220000-212400)  7600 (loss)

From the analysis above, Varto company should not process further, as they will make a loss of $7,600 if they process further.

NB: $24 manufacturing cost is sunk cost which makes it not needed.


Related Questions

Lew's increases its annual dividend by 2 percent annually. The last dividend paid was $1.42 and the stock price is $46. How is the expected rate of return computed

Answers

Answer:

Expected return=5.1%

Explanation:

The expected rate of return on the stock can be determined using the dividend valuation model

According to this model, the value of a stock is the sum of the present values of the future dividend  that would arise from it discounted at the required rate of return.

Using this model,

Cost of equity (Ke) =( D(1+g)/P) + g

Div in year 0, P= ex-div market price, g= growth rate in dividend

For this question

Expected rate of return = (1.42×(1+0.02)/46  + 0.02= 5.1%

Expected return=5.1%

Units-of-Output DepreciationA tractor acquired at a cost of $420,000 has an estimated residual value of $30,000, has an estimated useful life of 25,000 hours, and was operated 1,850 hours during the year. Determine the following. If required, round your answer for the depreciation rate to two decimal places.(a) The depreciable cost $ (b) The depreciation rate $ per hour(c) The units-of-output depreciation for the year $

Answers

Answer:

a. $390,000

b. $15.6

c. $28,860

Explanation:

depreciable cost = cost of asset - salvage value = $420,000 - $30,000 = $390,000

(b) The depreciation rate $ per hour = depreciable cost / estimated useful life =  $390,000 / 25,000 = $15.6

The units-of-output depreciation for the year = $15.6 x 1,850 hours = $28,860

Formal proposals are different from informal proposals in that they are used to respond to large projects and are therefore often longer. Formal proposals contain special components in addition to the six basic components of informal proposals.

a. True
b. False

Answers

A) true hope it helps

The implication of the expectations theory that expected returns for a holding period must be the same for bonds of different maturities depends on the assumption that________.
1. Yiels curves usually slope downward
2. Yiels curves usually slope downward
3. Instruments with different maturities are perfect subtitute
4. Savers are usually risk averse

Answers

Answer:

i think the answer is intruments with different matuirties are perfect subtitute. i'm not sure but i think this is the answer.

Explanation:

A customer has a discretionary account at a brokerage firm. The customer calls the registered representative handling the account and states "Buy $50,000 of investment grade corporate bonds" with at least 5 years to maturity and a minimum 8% yield. To comply with the customer's instructions, the registered representative must choose bonds that are rated, at a minimum:

Answers

Answer: C. Ваa

Explanation:

Moody's is a Credit Rating company that rates Bonds. They have a classification scheme that works with letters with Aaa being the highest rated bonds there are. These are considered the least risky.

After grade Aaa there is grade A and then there is Grade Baa. Grade Baa is considered to be the lowest Investment Grade security there is so if the client asks for anything in investment grade bonds, the minimum rated bonds to buy have to be level Baa.

A risky portfolio pays a 15% rate of return with probability 60% in a good state or a 5% return with probability 40% in a bad state, and a T-bill pays 5%. The risk premium on the risky investment is

Answers

Answer:

The risk premium on the risky investment is 8%

Explanation:

The first portfolio pays 15% rate of return with probability 60% in a good

The second portfolio 5% return with probability 40% in a bad state

The risk port-folio expected return = 60% * 15% + 40% * 5%

Expected return = 0.6 * 15% + 0.4* 5%

Expected return = 0.09 + 0.02

Expected return = 0.11

Expected return = 11%

Risk premium on the risky investment = Expected return - Risk free rate

= 11% - 5%

= 8%

The risk premium on the risky investment is 8%

g "At the current exchange rate of $1.40 per British pound, a one-day pass to Worldwide Theme Park of Florida sells for 54 pounds at travel agencies throughout Great Britain. If the exchange rate increases to $1.70 per pound, what will happen to the price of a one-day pass sold in Great Britain?"

Answers

Answer:

The price will fall to 44.47 pounds

Explanation:

Calculation for what will happen to the price of a one-day pass sold in Great Britain

Using this formula for the First step

Sales pounds × Current exchange rate

54 pounds x $1.40 = $75.6

Second step

75.6/Increase in exchange rate of $1.70

= 44.47 pounds

Therefore the price will fall to 44.47 pounds

Lincoln Restaurants reported net income in 2019 of $48.10 million and depreciation expense of $51.00 million. It also reported additions to property and equipment of $165.10 million. Using the indirect method of preparing the statement of cash flows, how will these items impact the 2019 statement of cash flows

Answers

Answer and Explanation:

The impact of each item is as follows

Net income reported = shown in the operating activities

Depreciation expense = added to the net income and shown in the operating activities

Additions to the property and equipment = Since there is an addition that means the property and equipment are purchased so it would be shown in the investing activities under the negative sign as it is cash outflow

Richards Corporation uses the weighted-average method of process costing. The following information is available for October in its Fabricating Department:
Units:Beginning Inventory: 90,000 units, 70% complete as to materials and 20% complete as to conversion.Units started and completed: 270,000.Units completed and transferred out: 360,000.Ending Inventory: 35,000 units, 40% complete as to materials and 15% complete as to conversion.Costs:Costs in beginning Work in Process - Direct Materials: $47,200.Costs in beginning Work in Process - Conversion: $89,700.Costs incurred in October - Direct Materials: $759,920.Costs incurred in October - Conversion: $929,300.Calculate the cost per equivalent unit of materials.
a. $2.80b. $2.50c. $2.04d. $2.36e. $2.16

Answers

Answer:

e. $2.16

Explanation:

Richards Corporation

Weighted-Average Method

Fabricating Department:

Particulars         Units       % of Completion           Equivalent Units

                                    Materials  Conversion  Materials  Conversion

Completed &

transferred out: 360,000    100       100          360,000        360,000

Ending Inv:         35,000     40%        15%         14000            5250    

Equivalent Units                                                  374,000      365250

Costs                                        Direct Materials       Conversion

Beg. Work in Process - :             $47,200                 $89,700

Costs incurred in October -      $759,920              $929,300

Total Costs                                  807,120               1,019,000

Cost Per Equivalent Unit = Total Costs/ Equivalent Units

Cost Per Equivalent Unit Materials = 807120/ 374,000= $ 2.158 ≅$ 2.16

We divide the total costs of Materials with the total Equvilant units of Materials to get Cost Per Equivalent Unit of Materials which is 2.16

Technology can be used to leverage __________ and _____________ within organizations as well as with customers and suppliers beyond their boundaries.

Answers

Answer: human capital; knowledge

Explanation:

Technology plays an important role in the economy. Every businesss needs to make use of technology in order to achieve efficiency and effectiveness at work.

Technology can be used to leverage both human capital and knowledge within organizations as well as with customers and suppliers beyond their boundary. Technology helps to improve relationship with customers

Your firm has net income of $260 on total sales of $1,160. Costs are $650 and depreciation is $110. The tax rate is 35 percent. The firm does not have interest expenses. What is the operating cash flow

Answers

Answer:

The answer is $650

Explanation:

Net income = $260

Total sales = $1,160

Costs = $650

Depreciation = $110

Earnings before Interest and tax(EBIT) =

Total sales - Cost - depreciation

$1,160 - $650 - $110

= $400

Tax =[260 ÷ (1 - 0.35)] - 260

$400 - $260

$140

Operating cash flow is therefore,

Earnings before Interest and tax(EBIT) + depreciation + tax

$400 + $110 + $140

= $650

Which of the following statements regarding a firm’s optimal capital structure is true? The optimal capital structure maximizes the firm’s earnings per share (EPS). The optimal capital structure maximizes the firm’s cost of equity. The optimal capital structure maximizes the firm’s cost of debt. The optimal capital structure maximizes the firm’s stock price.

Answers

Answer: The optimal capital structure maximizes the firm’s stock price.

Explanation:

The Capital Structure of a company refers to the proportion of debt vs equity that it chooses to use to fund its Assets and operations.

The goal of management is to use the capital structure to fund the company in such a way that the market value of a company increases.

The Market value is reflected by the firm's stock price so the optimal capital structure is meant to maximize the firm’s stock price.

You have just received an offer in the mail from Friendly Loans. The company is offering to loan you $4,250 with low monthly payments of $90 per month. If the interest rate on the loan is an APR of 15.3 percent compounded monthly, how long will it take for you to pay off the loan

Answers

Answer:

73 months

approximately 6 years

Explanation:

The period of time it would take to pay off the loan can be determined using excel nper function as below:

=nper(rate,pmt,-pv,fv)

rate is the interest expressed in monthly terms which is 15.3%/12

pmt is the amount payment per month i.e $90

pv is the amount of loan which is $4250

fv is the balance of the loan after all payments have been made i.e $0

=nper(15.3%/12,90,-4250,0)= 73 months

73 months/12 months=approximately 6 years  

Common Stockholders' Profitability Analysis A company reports the following:
net income : $375,000
Preferred dividends : 75,000
Average stockholders' equity 2,500,000
Average common stockholders' equity : 1,875,000
Determine :
(a) the rate earned on stockholders' equity
(b) the rate earned on common stockholders' equity.

Answers

Answer:

(A) Rate earned on stockholder's equity=15%

(B) Rate earned on common stockhloder's equity= 16%

Explanation:

A company reports the following profitability analysis

Net income of $375,000

Preferred dividend of $75,000

Average stockhloder's equity of $2,500,000

Average common stockhloder's equity of $1,875,000

(A) The rate earned on stockholder's equity can be calculated as follows

= Net income/Average stockholders equity

= $375,000/$2,500,000

= 0.15×100

= 15%

(B) The rate earned on common stock holder's equity can be calculated as follows

= Net income-Preferred dividend/Average common equity

= $375,000-$75,000/$1,875,000

= $300,000/$1,875,000

= 0.16×100

= 16%

Hence the rate earned on stockholder's equity and common stockhloder's equity is 15% and 16% respectively.

The main goal of monetary policy is to shift Choose one or more: A. aggregate demand. B. short-run aggregate supply. C. long-run aggregate supply.

Answers

Answer: aggregate demand

Explanation:

Monetary policy, is the demand side of an economic policy that is used by the government through the central bank in order to control the money supply that is available in the economy so as to achieve macroeconomic goals that will bring about economic growth.

The main goal of monetary policy is to shift the aggregate demand. Increase or decrease in money supply can either shift the aggregate demand to the right or to the left depending on whether the government wants to use the expansionary or the contractionary method.

On January 1, 2019, Woodstock, Inc. purchased a machine costing $37,850. Woodstock also paid $1,950 for transportation and installation. The expected useful life of the machine is 7 years and the residual value is $4,100. How much is the annual depreciation expense, assuming use of the straight-line depreciation method

Answers

Answer:

Annual depreciation expense=$5,100

Explanation:

Using the straight line method , an equal amount is charged as depreciation for each each over the estimated useful life of the asset.

Annual depreciation = (Cost - residual value)/Estimated number of years

Cost of the machine= 37,850 + 1,950 = 39,800

Annual depreciation expense= (39,800-4,100)/7= 5,100

Annual depreciation expense=$5,100

Companies can and often do use different costing methods for financial reporting and tax reporting. An exception to this is the:

Answers

Answer:

LIFO conformity rule.

Explanation:

LIFO refers to the Last in first out method. In this inventory system, the firm sells last units at first stage and then sells according to that

According to the given situation,  the LIFO conformity rule requires that the taxpayer follow the same inventory cost flow as used for tax reporting purposes in the financial statement.

Therefore the correct answer is LIFO conformity rule.

How can Growing Minds attract the best applicants for jobs at its new retail outlets? On what groups, if any, should the company’s recruiting efforts focus? How should the recruiting be done?

Answers

Answer:

Hi your question is incomplete here is the complete question

Growing Minds, Inc. is a national chain of retail outlets specializing in creative toys and innovative learning materials for children. The company caters to the upper end of the market and focuses on customer service for a competitive advantage. It provides workshops for parents and children on topics such as learning with the computer and indoor gardening and offers crafts classes ranging fropapier-mâché to pottery. Growing Minds plans to expand and to open five new retail outlets in the coming quarter. This may mean up to 200 new hires, and the executive team wants to make sure that the best people are hired and retained. It has issued a challenge to its retail management personnel to design a staffing process that will accomplish these goals. The children’s market in which Growing Minds operates demands service personnel who are endlessly patient; knowledgeable about children, toys, and learning; and, perhaps most important, sociable,enthusiastic, and engaging. Excellent customer service is the top priority at Growing Minds, and obtaining the desired performance from personnel has meant a major investment in training. Unfortunately, new workers often leave within a year of being hired. This means that the company barely gets an adequate return on the training it has invested in its new hires. Apparently, turnover is due (at least in part) to the demanding nature of the job. Recently, Growing Minds has been emphasizing the establishment of work teams to improve the quality of its services, identify and fix any problems in service delivery, and brainstorm new opportunities. This approach has yielded better-than-anticipated results, so the team concept will be central to the new outlets.

Answer :

The company should post its vacancies ad on social media sites and career pages and also offer competitive salary structureGrowing minds should focus on The Millennial with sound behavioral competencies and Technological knowledgerecruiting should be done through; planning,sourcing, selecting and welcoming the new employees

Explanation:

Growing Minds been a chain of retail outlets  that are specialized in creative toys and other innovative learning materials for children. catering  to the upper end of the market and focusing  on customer service for a competitive advantage. hence Growing minds needs to get the best hands to successfully satisfy their customer and one way to do that is ;

posting its vacancies ad on social media sites and career pages and also offer competitive salary structure : this is because the technological advanced applicants who can fit into the job of properly handling and understanding the creative toys and other innovative learning materials can be found there ( social media sites and career pages ) the group of people they should focus on are Millennial with the technology know how and also with the sound behavioral competencies

Twist Corp. has a current accounts receivable balance of $457,615. Credit sales for the year just ended were $2,940,600.a. What is the company's receivables turnover? (Do not round intermediate calculations. Round your answer to 2 decimal places, e.g., 32.16.)
b. What is the company's days' sales in receivables? (Use 365 days a year. Do not round intermediate calculations. Round your answer to 2 decimal places, e.g., 32.16.)
c. How long did it take on average for credit customers to pay off their accounts during the past year? (Use 365 days a year. Do not round intermediate calculations. Round your answer to 2 decimal places, e.g., 32.16.)

Answers

Answer and Explanation:

The computations are as follows

a.  For company receivable turnover

As we know it is

= Credit Sales ÷ current account receivable balance

= $2,940,600 ÷ $457,615

= 6.43 times

b.

Now

company's days' sales in receivables is

= 365 ÷ Receivables turnover ratio

= 365  ÷ 6.43

= 56.77 days  

c.  Therefore the average collection period is the same as days sales in receivable i.e 56.77 days

An investor has sold short stock worth $20,000 in a margin account, depositing the Regulation T margin requirement. If the market value of the stock falls to $16,000, what is the Selling Power in the account

Answers

Answer:

The selling power in the account is $20,000.

Explanation:

Credit - Short market value = Equity %

Sale $20,000 $20,000

Margin $10,000 $10,000

Total $30,000 $20,000 $10,000 50%

If the market value falls to $16,000, the account will show;

Credit - Short market value = Equity %

$30,000 $16,000 $14,000

To support a $16,000 stock position at 50% margin, equity of $8,000 is required. Since the account has $14,000 of equity, the excess of $10,000 may be borrowed and it's the

SMA amount. With $10,000 of SMA amount, twice this amount may be purchased or sold short in other marginal securities.

The sales budget for Perrier Inc. is forecasted as follows:

Month Sales Revenue
May $130,000
June 150,000
July 200,000
August 130,000

To prepare a cash budget, the company must determine the budgeted cash collections from sales. Historically, the following trend has been established regarding cash collection of sales: 60 percent in the month of sale. 20 percent in the month following sale. 15 percent in the second month following sale.

5 percent uncollectible.
60 percent in the month of sale.
20 percent in the month following sale.
15 percent in the second month following sale.

The company gives a 2 percent cash discount for payments made by customers during the month of sale. The accounts receivable balance on April 30 is $22,000, of which $7,000 represents uncollected March sales and $15,000 represents uncollected April sales. Prepare a schedule of budgeted cash collections from sales for May, June, and July. Include a three-month summary of estimated cash collections.

Answers

Answer:

                                        budgeted cash collections    

                                           May         June      July  

sales revenue                130,000     150,000  200,000

cash sales (60% x 0.98) 76,440      88,200    117,600

accounts receivable (March)   5,250  

accounts receivable (April)   7,500        5,625  

accounts receivable (May)               26,000     19,500

accounts receivable (June)                              30,000

total cash collections        219,190    269,825    367,100

 

I used net accounts receivables, that means I already discounted the 5% of collectibles.

Knowledge Check 01 Assume that salaried employees of Mayer, Inc., earn 2 weeks of vacation per year. The salaried employees accrue a total of $160 each pay period. Mayer's first payroll of the year is on January 7. Prepare the January 7 journal entry for Mayer by selecting the account names from the drop-down menus and entering the dollar amounts in the debit or credit columns.

Answers

Answer:

Vacation Benefits Expense $160  

           To Vacation Benefits Payable  $160

Explanation:

The journal entry is shown below:

Vacation Benefits Expense $160  

           To Vacation Benefits Payable  $160

(Being vacation pay expense is recorded)  

For recording this we debited the vacation benefits expense as it increased the expense and credited the vacation benefit payable as it also increased the liabilities

You short-sell 600 shares of Rock Creek Fly Fishing Co., now selling for $38 per share. If you want to limit your loss to $3,600, you should place a stop-buy order at ___.A. A. $32.00 B. $38.00 C. $44.00 D. $64.00

Answers

Answer:

$44.00

Explanation:

You are required to find where to place a stop-buy order

Amount received from short sale

= 600 x $38

= $22,800

Loss = $3,600 = 600p - 22,800

=3,600 + 22800 = 600p

26400 = 600p

P = 26400/600

P = $44.00

you should place a stop-buy order at $44.00

A bakery sells individual cupcakes for $3, and boxes of 12 cupcakes for $30. A customer enters the bakery.This customer purchases 15 cupcakes—1 box for $30, and 3 individual cupcakes for $3 each. Which of the following must be true of the customer’s willingness to pay?
1) The customer would not have purchased the cupcakes if the price for all 15 had been $45.
2) The customer’s willingness to pay for the 15 cupcakes is $39.
3) The customer’s willingness to pay for 12 cupcakes is $30.
4) The customer’s willingness to pay for 16 cupcakes is less than $42.

Answers

Answer:

2) The customer’s willingness to pay for the 15 cupcakes is $39.

3) The customer’s willingness to pay for 12 cupcakes is $30.

Explanation:

The willingness to pay for a good is the highest amount a consumer is willing to pay for a good or service.

The price of 15 cupcakes purchased = $30 + $9 = $39

Ella Funt would like to set up her retirement account that will begin in 30 years. To play it safe, she wants to assume that she will live forever and she will withdraw $120,000 annually. Assuming her account will earn 9% interest during the next 30 years and 6% interest afterwards forever, how much will Ella need to save annually over the next 30 years to fund her retirement account?

Answers

Answer:

Annual deposit= $14,672.70

Explanation:

Giving the following information:

Cf= $120,000

Period= forever

i= 0.06

First, we need to determine the present value of her investment at the retirement point. We will use the following formula for a perpetual annuity:

FV= Cf/i

FV= 120,000/0.06= $2,000,000

Now, we can calculate the annual deposit required to reach the objective:

FV= {A*[(1+i)^n-1]}/i

A= annual deposit

Isolating A:

A= (FV*i)/{[(1+i)^n]-1}

A= [2,000,000*0.09) / [(1.09^30) - 1]

A= $14,672.70

The amount that Ella need to save annually over the next 30 years to fund her retirement account is $14,672.70

Calculation of the annual deposit:

First the future value is

= Withdraw amount / rate of interest

= 120,000/0.06

= $2,000,000

Now the annual deposit is

FV= {Annual deposit *[(1+interest rate)^number of years-1]}/interest rate

So,

A= [2,000,000*0.09) / [(1.09^30) - 1]

A= $14,672.70

Hence, we can conclude that The amount that Ella need to save annually over the next 30 years to fund her retirement account is $14,672.70

Learn more about interest here: https://brainly.com/question/24417278

The manufacturers of several designer purses have met and agreed not to sell their purses to Jolie's Department Store because of Jolie's practice of discounting all items 20 percent below the retail costs at other stores. The manufacturers are concerned about maintaining their images of exclusivity and quality. The agreement among the manufacturers:

Answers

Answer:

b. violates the Sherman Act because it is a boycott.

Explanation:

Since the manufacturers have decided to team boycott the Jolie's Department Store, the Sherman Act is also known as the form of civil conspiracy by just not selling their immoral and also unconstitutional and violet hand bags to them.

Hence, the correct option is b as it violates the Sherman act

Therefore all the other options are wrong

Henri earned a salary of $50,000 in 2001 and $70,000 in 2006. The consumer price index was 177 in 2001 and 265.5 in 2006. Henri's 2006 salary in 2001 dollars is

Answers

Answer:

Henri's 2006 salary in 2001 dollars =$46,666.66

Explanation:

A rise in the price index implies inflation

Inflation is the increase in the general price level. Inflation erodes the value of money.  

This price index is the weighted average price of a basket of goods and services consumed by a typical consumer. It is used to measure the rate of inflation.  

So we can determine the salary in the base year value  as follows:  

2006 Salary in the base year terms=

CPI base year/CPI in the current year × salary in the current year

CPI base year- 177, CPI in the current yea- 256.5,

Salary in the current year - 70,000

Henri 2006 Salary in 2001 Dollar

=177/265.5 ×70,000/265.5 = 46,666.66

Henri's 2006 salary in 2001 dollars =$46,666.66

A pharmaceutical company announces that it has received Federal Drug Administration approval for a new allergy drug that completely prevents hay fever. The consensus analyst forecast for the company’s earnings per share (EPS) is $4.50, but insiders know that, with this new drug, earnings will increase and drive the EPS to $5.00. What will happen when the company releases its next earnings report?

Answers

Answer:

stock price will not change at all

Explanation:

Based on the information provided it can be said that when the company releases its next earnings report the stock price will not change at all. This is because stock markets move fast, the stock price of EPS moved when the in the announcement about FDA approval was made. Therefore the markets already expect these changes to reflect on the earnings report so prices will not move. Just as the saying goes, "Buy the Rumor, Sell the news."

A company has net income of $199,000, a profit margin of 9.50 percent, and an accounts receivable balance of $106,108. Assuming 74 percent of sales are on credit, what is the company's days' sales in receivables

Answers

Answer:

Receivables days   = 25 days

Explanation:

The receivable days is the average length of time it takes a business to receive cash from customers in respect of credit sales made.

It is calculated as follows:

Receivables days = Receivables / Credit sales × 365 days.

The credit sales is missing , hence we need to work it out as follows:

Net income =profit margin  × total  sales revenue

let sales value be represented by "y"

199,000    = 9.50% × y

y = 199,000/0.095

y= 2,094,736.84

Total sales revenue =  2,094,736.84

Credit sales = 74% × total sales revenue

                  = 74% × 2,094,736.84=1,550,105.263

Receivables days =106,108/1,550,105.26× 365 days=  24.98

Receivables days   = 25 days

You have just taken out a $ 23 comma 000 car loan with a 4 % ​APR, compounded monthly. The loan is for five years. When you make your first payment in one​ month, how much of the payment will go toward the principal of the loan and how much will go toward​ interest? ​(Note: Be careful not to round any intermediate steps less than six decimal​ places.)

Answers

Answer:

Interest = $75.90

Principal = $347.64

Explanation:

First find the payment that is required per month. It will be an Annuity payment as the present value of the loan is given.

The loan is for 5 years compounded monthly so period is;

= 5 years * 12 months

= 60

Interest = 4/12

Present Value of Annuity= Payment * (1 - (1 + r) ^ -n)/r

23,000 = Payment * (1 - ( 1 + 4/12%) ^ -⁶⁰)/ 4/12%

23,000 = Payment * 54.304

Payment = 23,000/54.304

= $423.54

Interest Payment is;

= 4/12% * 23,000

= $75.90

Amount going towards Principal;

= 423.54 - 75.90

= $347.64

Other Questions
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