An investor needs to deposit an amount on 1 January 2020 to purchase an annuity to receive a series of payment on a regular basis. He has two options as follows Annuity A - Gets RM 2500 semiannually for 4 years, that are 8 payments. - 1 st payment of RM 2500 is due on 1 April 2020. - The interest rate is at 8% compounded semiannually. Annuity B - Gets RM 1300 quarterly for 4 years, that are 16 payments. - 1 st payment of RM1300 is due on 1 January 2020. - The interest rate is at 10% compounded quarterly. a)What are the present values for each annuity A and Annuity B on 1 January 2020?

Answers

Answer 1

An investor needs to deposit an amount on 1 January 2020 to purchase an annuity to receive a series of payment on a regular basis, the present value of annuity B on 1 January 2020 is approximately RM 22,116.48.

To calculate the existing values of annuity A and annuity B on 1 January 2020, we can use the components for the present cost of an regular annuity:

PV = PMT * (1 - \((1 + r)^{(-n)\)) / r

For annuity A:

PMT = RM 2500

r = 8% compounded semiannually

n = 8

Using those values in the components, we are able to calculate the present cost for annuity A:

PV(A) = 2500 * (1 - \((1 + 0.08/2)^{(-8)\)) / (0.08/2)

≈ 2500 * (1 - \((1.04)^{(-8)\)) / 0.04

≈ 2500 * (1 - 0.593848) / 0.04

≈ 2500 * 0.406152 / 0.04

≈ 10153.04

For annuity B:

PMT = RM 1300

r = 10% compounded quarterly

n = 16

PV(B) = 1300 * (1 - \((1 + 0.10/4)^{(-16)\)) / (0.10/4)

≈ 1300 * (1 - \((1.025)^{(-16)\)) / 0.025

≈ 1300 * (1 - 0.572044) / 0.025

≈ 1300 * 0.427956 / 0.025

≈ 22116.48

Hence, the present value of annuity A is RM 10,153.04, and the present value of annuity B is RM 22,116.48 on 1 January 2020.

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Related Questions

Please, please please please help me!!!

Please, please please please help me!!!

Answers

Answer:

Have u done it

Step-by-step explanation:

given the linear system y[n] = 0.25y[n-1] x[n] for n > 0 and y[-1]=0 system is described by the impulse response h[n] = [0.25]nu[n]. determine if the system is stable or not

Answers

The system is stable since the magnitude of its impulse response is 0.25, which is a finite number that is less than any M.

The stability of a linear system can be determined by analyzing the magnitude of its impulse response

|h[n]| ≤ M for some finite M

In this case, the impulse response is h[n] = 0.25nu[n], where nu[n] is the unit step function. Since the magnitude of h[n] is 0.25 for all n, the system is stable since 0.25 is a finite number that is less than any M.

To summarize, the system is stable since the magnitude of its impulse response is 0.25, which is a finite number that is less than any M.

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What is the sum of all frequencies in a frequency distribution? and why is the sum of all relative frequencies equal to 1?

Answers

Answer:

Cumulative Frequency:

The sum of all the frequencies for all classes is equal to the number of elements in the given data and that summation is termed as the cumulative frequency which defines the number of entries of that statistical data.

The sum of relative frequencies is also equal to one, since the sum of all fractional parts must equal the whole.

Step-by-step explanation:

Which are the solutions of x2 = –13x – 4?
dont gime bs just answer it
85 points btw

Answers

Step-by-step explanation:

Step 1:  Add 13x to both sides

\(x^2 + 13x = -13x + 13x - 4\)

\(x^2 + 13x = -4\)

Step 2:  Add 4 to both sides

\(x^2 + 13x + 4 = -4 + 4\)

\(x^2 + 13x + 4\)

Step 3:  Use Quadratic Formula

\(x = \frac{ -b \pm \sqrt{ b^2 - 4ac } }{2a}\)

\(x = \frac{ -(13) \pm \sqrt{ 13^2 - 4(1)(4)} } { 2(1)}\)

\(x = \frac{-13 \pm \sqrt{153}}{2}\)

\(x = \frac{-13\pm3\sqrt{17} }{2}\)

Answer:  \(x = \frac{-13\pm3\sqrt{17} }{2}\)

Answer:

-0.3 and - 12.7

Step-by-step explanation:

Rewrite in quadratic form:

x2 + 13x + 4 = 0

The best approximations, given the options, are 0 and - 13

The actual solution is -

solve for x
will give brainliest answer!!!

solve for xwill give brainliest answer!!!

Answers

Answer:

We can write a proportion from this image:

x/2 = (x+2)/3

3x=2(x+2)

3x=2x+4

x=4

Let me know if this helps!

a rectangle is 12 feet long and 5 feet wide. if the length of the rectangle is increased by 25% and the width is decreased by 20% what is the change in the area of the rectangle

Answers

Answer:

60% decrease in area

Step-by-step explanation:

12 x5 == 60 sq feet (original area)

9 x 4 == 36 sq feet (new area)

36/60 = 6/10 = 60%

A pair of pants at Cool Topic originally cost $69. They are on sale for $52. What is the markdown? ________________ What is the percent markdown? (round to the nearest whole percent) _______________

Answers

Answer:

27.4%

Step-by-step explanation:

Step one:

given

original cost $69

seling price $52

Required

The percent reduction

Step two:

% reduction= change in price/original price*100

% reduction= 69-52/62*100

% reduction=17/62*100

% reduction= 0.274*100

% reduction= 27.4%

Multiply. Write your answer in simplest form.
SOMEONE PLS ANSWER

Multiply. Write your answer in simplest form.SOMEONE PLS ANSWER

Answers

(Chapter 14) If f(x,y) has two local maximal, then f must have a local minimum.TrueFalse

Answers

It is true that the existence of two local maxima does not guarantee the presence of a local minimum. It is possible for a function to have multiple local maxima and no local minimum.

For example, consider the function f(x,y) = x^4 - 4x^2 + y^2. This function has two local maxima at (2,0) and (-2,0), but no local minimum. Therefore, the statement "if f(x,y) has two local maximal, then f must have a local minimum" is false. The presence or absence of local maxima and minima depends on the behavior of the function in the immediate vicinity of a point, and cannot be determined solely based on the number of local maxima. It is possible for a function to have an infinite number of local maxima and minima, or none at all. Therefore, it is important to carefully analyze the behavior of a function in order to determine the presence or absence of local extrema.

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Some plz help meeeeeeeeeeereee I really neeeeeeeeeddddddddd ittttttttttt

Some plz help meeeeeeeeeeereee I really neeeeeeeeeddddddddd ittttttttttt

Answers

I’m pretty sure the answer is A

can someone pls help for brainlest

can someone pls help for brainlest

Answers

Answer:

6.28km

Step-by-step explanation:

Hey,

We know that the circumfrence is the perimetert of a full circle. If we want to find the perimeter of a semicircle all we have to do is find the circumfrence and then divide it by 2 since we want to know the perimeter of half the circle.

Circumfrence is equal to 2πr. Where r is the radius and since we know the radius we an solve for the circumfrence.

2(π)(1km)=2kmπ.

The problem tells us to use 3.14 for pi so let's multiply 2 by 3.14.

6.28km is the answer!

what the guy above me said

Which of the following transformations map figure S to figure T?

Answers

There is no transformations map. Where is the map?

Simplify to a single power of 4:

Simplify to a single power of 4:

Answers

Answer: 4^9

Step-by-step explanation:

If you are multiplying exponents with the same base, you can just add up the exponents together

In the one-way ANOVA, the within-groups variance estimate is like _________ in two-way ANOVA. A. the row variance estimate B. the within-cells variance estimate C. the column variance estimate D. the interaction variance estimate

Answers

In the one-way ANOVA, the within-groups variance estimate is equivalent to the within-cells variance estimate in the two-way ANOVA.

Option B is right choice.

In the one-way ANOVA, the within-groups variance estimate is equivalent to the within-cells variance estimate in the two-way ANOVA.

This is because both types of variance estimates measure the variation within groups or cells of the independent variable(s).
In a one-way ANOVA, the independent variable has only one factor or level, and the within-groups variance estimate measures the variation within each group or level of the factor.

This estimate reflects the extent to which the data points within each group deviate from the group mean.
In a two-way ANOVA, there are two independent variables or factors, and the within-cells variance estimate measures the variation within each combination of levels of the two factors.

This estimate reflects the extent to which the data points within each cell (or combination of factor levels) deviate from the mean of that cell.
Therefore, the within-cells variance estimate in the two-way ANOVA plays a similar role as the within-groups variance estimate in the one-way ANOVA.

Both estimates reflect the degree of variability within the groups or cells of the independent variable(s) and both are used to calculate the F-statistic and determine the statistical significance of the effects of the independent variable(s) on the dependent variable.

Option B is right choice.

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Out of these numbers which ones are multiples of 7 {−7, −4, 2, 14, 21, 34, 42}

Answers

Answer:

-7, 14, 21, and 42

Step-by-step explanation:

7•-1=-7

7•2=14

7•3=21

7•6=42

Which graph represents the equation y = x - 3?

Which graph represents the equation y = x - 3?

Answers

Answer:

https://brainly.com/question/18548766

Step-by-step explanation:

Answer:

The third one, C

Step-by-step explanation:

Slope x is not negative it's a positive slope, therefore the line goes up, not down. It's also because -3 is the y-intercept (a point where it first touches the y axis)

Hoped this helped!

A hypothesis test involves a comparison of which two elements?
a. Research results from a sample and a hypothesis about a population
b. Research results from a population and a hypothesis about a sample
c. Research results from a population and a hypothesis about the population
d. Research results from a sample and a hypothesis about the sample

Answers

Answer:

I believe its A, correct me if i'm wrong.

Step-by-step explanation:

A hypothesis test involves a comparison between research results from a sample and a hypothesis about a population.

Thus, option (A) is correct.

In hypothesis testing, a researcher starts with a null hypothesis, which represents the assumption of no difference or no effect in the population.

The researcher collects data from a sample and performs statistical analysis to determine whether the evidence supports or rejects the null hypothesis in favor of an alternative hypothesis.

The research results obtained from the sample are compared to the hypothesis about the population to determine whether there is enough evidence to reject the null hypothesis and accept the alternative hypothesis.

Thus, option (A) is correct

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can you please help me i really need it

can you please help me i really need it

Answers

Maximum number of bracelets Tara can make is 6.

What is Number line?

Number line is a horizontal line where numbers are marked at equal intervals one after another form smaller to greater.

Given that;

Tara has a plastic string that is 3 3/4 feet.

And, She will cut the string to make bracelets that are each 5/8 feet long.

Now,

To find maximum number of bracelets Tara can make, we can draw the point at equal distance 5/8 feet to reach 15/4 feet.

Then, Calculate the number of points to draw which is equal to the maximum number of bracelets Tara can make.

That is,

Maximum number of bracelets Tara can make = 15/4 ÷ 5/8

                                                                        = 15/4 × 8/5

                                                                        = 6

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what are the ordered pairs of the solutions for this system of equations?
f(x)=x^(2)-2x+3; f(x)=-2x+12

what are the ordered pairs of the solutions for this system of equations? f(x)=x^(2)-2x+3; f(x)=-2x+12

Answers

The ordered pairs for the system of equations f(x) = x^2 -2x + 3 and f(x) = -2x + 12 are (3, 6) and (-3, 18)

What is a quadratic equation?

A quadratic equation is an algebraic equation of the second degree in x. The quadratic equation in its standard form is ax2 + bx + c = 0, where a and b are the coefficients, x is the variable, and c is the constant term. The first condition for an equation to be a quadratic equation is the coefficient of x2 is a non-zero term(a ≠ 0)

f(x) = x^2 -2x +3 and f(x) = -2x + 12

which means

x^2 -2x +3  = -2x + 12

x^2 -2x +3  + 2x - 12 = 0

x^2 -9 = 0

by factorizing we have

(x-3)(x+3) = 0

x = 3 or -3

when x = 3

f(x) = -2x + 12

f(3) = -2(3) + 12 which is 6

when x = -3

f(-3) = -2(-3) + 12 which is 18

ordered pairs are (3, 6) and (-3, 18)

In conclusion, (3, 6) and (-3, 18) are the ordered pairs

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the categories this number belongs to: 9√

Answers

I think U gave an incorrect question

(q9) Given:

Which of the following is a correct estimate of

(q9) Given: Which of the following is a correct estimate of

Answers

The estimate of the given function is determined as  ∫(2 to 0) f(x) dx ≥ 14.67.

option A.

What is the estimate of the function?

The estimate of the function is calculated as follows;

The given inequality function;

(2 + 4x²) ≤ f(x)

The integral function;

∫(2 to 0) f(x) dx

The derivative of the function is calculated as follows;

f'(x) = [2x + 4x³/3] (2 to 0)

Substitute the limits to find the definite integral;

f'(2) = (2 x 2) + 4 (2³) / 3

f'(2) = 14.67

f'(0) = 0

f'(2) - f'(0) = 14.67

Based on the given function, the estimate of the f(x) dx is;

∫(2 to 0) f(x) dx ≥ 14.67

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Find the surface area of the composite figure. Round your answer to the nearest tenth if necessary.

Find the surface area of the composite figure. Round your answer to the nearest tenth if necessary.

Answers

The surface area of the composite figure is 444m²

Given a composite figure which is shown in the question.

The  area of ​​a shape (in square units) is the number of unit squares required to cover the entire area without gaps or overlaps. If a hologram has planes, those faces are called faces. Area is the sum of the areas of the faces.

Firstly, we will find the area of front and end triangles by using the formula

Area=(1/2)×b×h and we will multiply this area by 2 because we are finding the area of two same triangles.

Here, h=6 and b=16 and substitute these values in the formula, we get

A₁=2×(1/2)×16×6

A₁=2×8×6

A₁=96m²

Now, we will find the area of the left and right side rectangles which joined both the triangles.

We will find the area by using the formula Area=l×b and we will multiply this area by 2 because we are finding the area of two same rectangles.

here, l=10 and b=5 and substitute these values in the formula, we get

A₂=2×10×5

A₂=100m²

Further, we will find the area of the front and end side rectangles that joined both by the base of the triangles.

We will find the area by using the formula Area=l×b and we will multiply this area by 2 because we are finding the area of two same rectangles.

here, l=16 and b=4 and substitute these values in the formula, we get

A₃=2×16×4

A₃=128m²

Furthermore,  we will find the area of the left and right side rectangles which joined by the front and end rectangles.

We will find the area by using the formula Area=l×b and we will multiply this area by 2 because we are finding the area of two same rectangles.

here, l=4 and b=5 and substitute these values in the formula, we get

A₄=2×4×5

A₄=40m²

Now, we will find the area of the base of the composite figure which is rectangle.

We will find the area by using the formula Area=l×b.

here, l=16 and b=5 and substitute these values in the formula, we get

A₅=16×5

A₅=80m²

So, the surface area of the given composite figure will be

Surface area=A₁+A₂+A₃+A₄+A₅

Surface area=96m²+100m²+128m²+40m²+80m²

Surface area=444m²

Hence, the surface area of the given composite figure is 444m².

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Suppose that $50,000 from a retirement account is invested in a large-cap stock fund. After 20 yr, the value is $175,222.57. Use the model A=Pe^rt to determine the average rate of return under continuous compounding. Round to the nearest tenth of a percent. Avoid rounding in intermediate steps. The average rate is approximately __%

Answers

Answer:

6%

Step-by-step explanation:

Suppose that $50,000 from a retirement account is invested in a large-cap stock fund. After 20 yr, the

The average rate is approximately 2%

The formula for calculating the average rate of return under continuous compounding is expressed as \(A=Pe^{rt\)

Given the following parameters

\(P = \$50,000\)

A = $175,222.57

t = 20 years

Substitute the given parameters into the formula to get the rat\(175,222.57 = 5000e^{20r}\\e^{20r}=\frac{175,222.57.}{5000}\\e^{20r}= 35.155514\\lne^{2r}=ln 35.155514\\2r = 3.5597\\r = 3.5597/2\\r =1.779 \%\)

Hence the average rate is approximately 2%

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Isaac added 19 to the product of 839 and 15. What is Isaac's sum?​

Answers

Answer:

15956

Step-by-step explanation:

i think this should be the answer are you learning about phrases

if you are then and is addition but if you are not then try to multipy the 15

20 points and brainly

20 points and brainly

Answers

Answer: The answer would be A or $1

Step-by-step explanation:

$9 x 3 = $27 adult Wilson tickets          $9 x 2 = $18 adult Jackson tickets

$5 x 4 = $20 student Wilson tickets     $5 x 6 = $30 student Jackson tickets

$20 + $27 = $47 Wilson tickets            $18 + $30 = $48 Jackson tickets

                                          $48 - $47 = $1

Answer:

a. $1

Step-by-step explanation:

To find the difference, calculate how much each family spent on tickets and then subtract the lower number from the higher number. I’ll start with the Wilson’s.

First, multiply the cost of the tickets by how many they bought.

$9*3 adult tickets=$27

$5*4 student tickets=$20

Then, add the values together to find the total cost.

$27+$20=$47

Now, let’s do the same for the Jackson’s.

$9*2 adult tickets=$18

$5*6 student tickets=$30

$18+$30=$48

Finally, subtract the Jackson’s total cost from the Wilson’s.

$48-$47=$1

The difference is $1.

What do you guys think?

What do you guys think?

Answers

Correct answer is the one you put

2) Consider the following system of three equations:
(I added an image)

2) Consider the following system of three equations:(I added an image)

Answers

Answer:  No solutions

===============================================

Explanation:

Subtract the second equation from the first one

\(\ \ \ \ 3x+3y-5z = 4 \ \ ... \text{ eq 1}\\-(4x-4y+z = -1) \ \ ... \text{ eq 2}\\---------\\\ \ -x+7y-6z = 5\)

Let's call that result equation 4.

Now focus on equation 3 and equation 4

equation 3 is   -x+7y-6z = 2

equation 4 is   -x+7y-6z = 5

Note how the left hand sides are identical, but the right hand sides are different. This means that we have an inconsistent system with no solutions. No matter what numbers we pick for x,y,z, there is no way to make all three given original equations to be true.

Shelly drove 158 miles in 2.5 hours. If she travels at the same speed, how far can she drive in 6 hours?

Answers

Answer:

She can drive for 379 miles.

Step-by-step explanation:

158/ 2.5=63.2=63

63.2*6=379.2=379

To find the roots of a polynomial, it is often useful to find the ____ of the polynomial.

Answers

Answer:

Factors

Step-by-step explanation:

To find the roots of a polynomial, [factors] help the process of finding them

One serving of a certain brand of yogurt contains 11 g of fat . The low - fat version contains 37.75 % less fat per serving . How many grams of fat does one serving the low - fat yogurt contain ? The low - fat yogurt contains g of fat .

Answers

Answer:

6.8475 grams of fat

Step-by-step explanation:

Given data

yogurt contains 11 g of fat

low - fat version contains 37.75 % less

Let us compute the value of 37.75 % of fat

=37.75/100*11

= 0.3775*11

=4.1525 gram

Hence the low - fat version contains

=11-4.1525

=6.8475 grams of fat

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There are 10 girls and 16 boys in a class. The teacher has sticks with each students name on them in a bag. What is the probability of selecting sticks with a boys name and then a girls name if the first stick is not replaced? A: 40/169.B: 16/65.C: 45/128.D: 26/51. Find the perimeter of a rectangle with a width of 2x^2+4x-8 and a length of 3x+8.A.2x^2+7xB.4x^2+14xC.4x^2+14x+32C.18x^2 PLEASE HELP ASAP!!!! I CAN GIVE BRINLIEST!!!!A bicycle manufacturing company makes a particular type of bike. Each child bike requires 4 hours to build and 4 hours to test. Each adult bike requires 6 hours to build and 4 hours to test. With the number of workers, the company is able to have up to 120 hours of building time and 100 hours of testing time for a week. If c represents child bikes and a represents adult bikes, can the company build 20 child bikes and 6 adult bikes in a week. (2 points) A) No, because the bike order does not meet the restrictions of 4c + 6a 120 and 4c + 4a 100 B) No, because the bike order does not meet the restrictions of 4c + 4a 120 and 6c + 4a 100 C) Yes, because the bike order meets the restrictions of 4c + 6a 120 and 4c + 4a 100D) Yes, because the bike order meets the restrictions of 4c + 4a 120 and 6c + 4a 100 1. Suppose that annual earnings and alcohol consumption are determined by the SEMlog1earnings 2 5 b0 1 b1alcohol 1 b2educ 1 u1 alcohol 5 g0 1 g1log1earnings 2 1 g2educ 1 g3log1price2 1 u2, where price is a local price index for alcohol, which includes state and local taxes. Assume that educ and price are exogenous. If b1, b2, g1, g2, and g3 are all different from zero, which equation is identified? How would you estimate that equation? What expression is equal to the length of segment ST in meters? Please help me answer the question in the picture 11.43 round to the nearest number. Complete the sentences with the correct form of the verbs: Find, save, spend, take, waste.1)The prisoners...........most of their time doing physical work on the island.2)The guards watched to see if the prisoners were..........time.3)The men could never..........the time to plan their escape.4)The men wanted to escape but knew that they had to..............their time and plan carefully.5)The prisoners knew that they could...........time if they left by boat. the tactical process of creating the offer, choosing the support and design and selecting customer names comes under what stage of the campaign management process? What instructional strategy is used to tell how the caterpillar becomes a butterfly? A powderman set a fuse for a blast to take place in 3030 seconds. He ran away at a rate of 88 yards per second. Sound travels at the rate of 10801080 feet per second. When the powderman heard the blast, he had run approximately: 1) 4n - 2n = 4Solve the equation. The divine right of kings ended in England during the The loss of the producers in an ecosystem would most likely result in which of the following changes?A a decrease in the primary consumers and the secondary consumersB an increase in the primary consumers and the secondary consumersC an increase in the primary consumers and a decrease in the secondary consumersD a decrease in the primary consumers and an increase in the secondary consumers Click on the pic and pls help!! In what year did Filippo Brunelleschi design the Founding Hospital? a. 1444 b. 1488 c. 1520 d. 1588 Help, I don't understand :( 11. How many moles of oxygen are produced when 5 moles of potassium chlorate(V)decomposes completely?2KCIO3 2KCl + 302 4. Passes through (4, -2) and m = 0. upon delivery of the baby's head, you note that its face is encased in the unruptured amniotic sac. you should: