3. Loan amortization. - Mr. X has borrowed $20,000, at 15% interest, to be repaid over five years. A) Calculate the annual end-of-year loan payment. B) Prepare a loan amortization schedule showing the interest and principal breakdown of each of the four payments. (Use years and yearly rates to solve this problem.)

Today you borrow $10,900 to pay for your expected college costs over the next 4 years, including a master's degree. 2 years from now, you determine that you need an additional $4,100 so you borrow this additional amount. Starting 4 years from the original loan (2 years from the 2nd loan), you begin to repay your combined debt by making annual payments of $3,000. You will make these payments for 10 years. Draw a cash flow diagram of this situation from your perspective. The cash flow diagram can be first represented by end of year cash flows, Aj, for years, j = 0,1,2,...13.

Write a report on the growth drivers and growth challenges of one of the economies below covering the period 2015- the present day (see instructions below about this). Economies: India, United Kingdom, United States, and Ghana. The growth drivers are the factors that cause growth The growth challenges are the factors that inhibit growth

Indicate any change in the supply curve of a perfectly competitive industry under each of the following conditions: * All firms earn zero economic profits _______ * Some firms earn positive economic profits ________ * Some firms incur economic losses ________

Let two data sets (Xi,Yi) and (xị,yi) be related by xị = c1 + c2x¡ and y = c3 + c4Yi for all i = 1,..,n. This means that the only differences between the two data sets are the location and the scale of measurement. Such data transformations are often applied in economic studies. For example, Yi may be the total variable production costs in y; maybe the total variable production costs in dollars of a firm in month i and y; the total production costs in million of dollars. Then c3 are the total fixed costs (in millions of dollars) and c4 = 10^-6. \text { (a) Suppose that } y_{i} \& x_{i} \text { satisfy the linear relation } y_{i}=\alpha+\beta x_{i} \forall i=1, \ldots, n \text { . Show } \text { that this implies that the relationship between } y_{i}^{*} \& x_{i}^{*} \text { is } y_{i}^{*}=\alpha^{*}+\beta^{*} x_{i}^{*} \text { with } \alpha_{i}^{*}=c_{3}+c_{4} \alpha-\frac{\beta c_{1} c_{4}}{c_{2}} \quad \& \quad \beta^{*}=\frac{\beta c_{4}}{c_{2}}

Complete the sentence: "Obeying direct and specific orders from a person with higher authority... a. "Will never result in ethical behavior.' b. "Always results in ethical behavior." c. "Is a defense against unethical behavior." d. "May place you in an ethical dilemma." Code of Ethics citation and explanation:

12 Determine the PW for the following cash flow, use a 7% yearly interest rate.

Depreciation 1. What is meant by depreciation? 2. How does depreciation affect a company's cash flow? 3. State the difference between book depreciation and tax depreciation. 4. Explain why the recovery period used for tax depreciation purposes may be different from the estimated n value in an engineering economy study. 5. Identify the different methods for determining depreciation of assets. 6. An asset that is book-depreciated over a 5-year period by the straight-line method has BV3 $62,000 with a depreciation charge of $26,000 per year. Determine (a) the first cost of the asset and (b) the assumed salvage value. 7. Bristol Myers Squibb purchased a tablet-forming machine in 2008 for $750,000. The company planned to use the machine for 10 years; however, due to rapid obsolescence it will be retired after only 4 years in 2012. Develop a spreadsheet for depreciation and book value amounts necessary to answer the following (a) What is the amount of capital investment remaining when the asset is prematurely retired? (b) If the asset is sold at the end of 4 years for $175,000, what is the amount of capital investment lost based on straight line depreciation? (c) If the new-technology machine has an estimated cost of $300,000, how many more years should the company retain and depreciate the currently owned machine to make its book value and the first cost of the new machine equal to each other. 8. A. 120-metric-ton telescoping crane that cost $320,000 is owned by Upper State Power. Salvage is estimated at $75,000. (a) Compare book values for MACRS and standard SL depreciation over a 7- year recovery period. (b) Explain how the estimated salvage is treated using MACRS. 9. Vesco Mineral Resources purchased mineral rights to land in the foothills of the Santa Cristo mountains. The cost of the purchase was $9 million. Vesco originally thought that it would be able to extract 200,000 tons of lignite from the land, but further exploration revealed that 280,000 tons could be economically removed. If the company sold 20,000 tons in year 1 and 30,000 tons in year 2, what would the depletion charges be each year according to the cost depletion method?

Design Of Transport Pipeline This project discusses the design of a transport pipe line that is being designed to transport a mixture of gases from different wells to a gas processing facility. The required task is to prepare an EXCEL™ VBA program that simulates the single-phase fluid flow in the pipe in order to calculate the pressure drop across the pipe which is used to design the pipeline and compressor required to compress the gas and select the optimum scenario for such design based on several pipeline diameters. The data used in the project is summarized in the following table.

1. Car purchase. - Assume that you want to buy a car 2 years from now. Based on the following data, calculate: a) Monthly savings to get the down payment. b) Monthly payment on the 4-year loan after buying the car. Note: Use months & monthly rates to solve this problem. Data: Price of the car $20,000. Required down payment 20%. Interest rate on savings 8% (annual). Interest rate on the car loan 12% (annual).