CHCl2CH2COOH has a higher Ka than CH3CCl2COOH

Mortgages and other consumer loans when taken by an individual have an interest rate charged by the bank ‘r’.  The borrower pays back the loan in periodic uniform payments of ‘A’ each.  The people involved in the loan market, however, use specific and sometimes confusing jargon.  For example, interest rates are quoted in percent per year, but are compounded monthly thus, r/12 is more accurately designated as the monthly rate.  Letting ‘rm’ = r/12.  With such repayments lenders are often required by law to provide the borrower with an amortization schedule, which is a list of all the payments with portion of the payment that is applied to interest and portion of the payment that is applied to the loan principal. Additionally, we define the remaining principal after payment M, RPm, as the present value (in time M dollars) of the payments remaining after a particular loan payment is made; the interest portion of payment M, Im, as the monthly interest rate multiplied by the remaining principal after the previous payment; and the total interest paid, TI, as the sum of the interest payments across all M. Suppose that you take a home loan of $300,000, the quoted interest rate (APR) is 7% per year, and the duration of the loan is 30 years (360 months).  Calculate: What is the effective annual interest rate for this problem, ieff? What is the equivalent interest for the time period, iper? Periodic payment amount, A What is the remaining balance at the end of 12 years, RP144? Develop an excel model to check your above answers and to: Generate an amortization schedule for this loan Determine the total interest paid, TI?

Creamy Dairy is a family owned dairy located in upstate New York. They are trying to decide how to process their corn into feed for their livestock.  Because they are dairy farmers (and good ones at that) financial choices have a mystic quality about them so they could use your help.  The farm is currently earning $300,000 per year so this improvement would be additional revenue. Each of the options will result in an additional (above the current dairy earnings) yearly PRE-TAX cash flow of $100,000 for fifteen years starting at time 1.  The following table shows their choices: Option 1: Subcontract the feed process at a cost of $75,000 per year starting at time 1. Option 2: Upgrade their current feed facilities at a cost of $200,000 for equipment and yearly maintenance cost of $25,000. Option 3: Build a new facility for $300,000 with no maintenance required for ten years then $15,000 for the remaining useful life. Creamy Dairy uses a cost of capital of 4.0%.  Assume no short-term debt, a market rate of 8%, risk free rate of 2.5%, and an income tax rate of 35%.  Use this rate for the rest of the questions. Create an Excel model (use the blank template provided) and determine the NPW/AEW of the three options.

You own a three stock portfolio consisting of stocks A, B and C. What was the rate of return of your portfolio over this year, given the following stock prices? Stock # of shares Price on Jan 1 Price on Dec 31 A 100 $750 $[x] B 500 $90 $[y] C 400 $20 $[z]   Please write your answer in percentage terms to two decimal places (7.21 percent is 7.21, not 0.0721)

What was your average annual rate of return if you invested $1000 and you have $[x],000 at the end of [y] years? Input your answer as a percentage rounded to two decimal places (i.e. 10.441% would be 10.44; 10.448% would be 10.45)

A mutual fund manager has a $100 million portfolio with a beta of 1.00. The risk-free rate is 4%, and the market risk premium is 6%. The manager expects to receive an additional $200 million, which she plans to invest in additional stocks. After investing the additional funds, she wants the fund’s required and expected return to be 13.00%. What must the average beta of the new stocks be to achieve the target required rate of return?

Your friend is celebrating her 30th birthday today and wants to plan for her anticipated retirement at age 65. If her first deposit into her retirement account is at age 31 and her last deposit into her retirement account is at age 65, and she needs $[x] at retirement, how much must she save per year if she can earn [y]% per year on her money?  Round your answer to the nearest dollar.

A 2 kg block is dragged over a displacement of 2.5 meters by a constant force of P= 4 N acting at an angle of 37o above the horizontal as shown.  The surface is rough, and a constant frictional force of f = 3N opposes the motion.  What work was done by the frictional force f  during this displacement?

A wheel rotating about a fixed axis with a constant angular acceleration of 3.0 rad/s2 turns through 3.8 revolutions during a 3.0-s time interval.  What is the angular velocity at the beginning of this time interval?

What are some common forms of academic dishonesty, and what consequences do students face if caught?