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1 when comparing two investments with the sans nominal rate, one with a 4 year team and semi annual compounding and one with a two

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1 when comparing two investments with the sans nominal rate, one with a 4 year team and semi annual compounding and one with a two year term and quarterly compounding, the effective rate of the 4 year term instrument is ___ the effective rate of the two Year term instrument.
a. higher than
b. lower than
c. the same as
4. Jacinda Herschel wants to buy a car and determines she can afford to pay 295.70$ a month for a five year loan. the rate on her loan would be 5.35%. how much can she borrow ?
5. Seamus Mcyintyre stated saving up for retirement today by investing 295$ in an account earning 4.90%. he plans to Congress with contributions twice a month of the amount for 25 years. the present value of his investment is:
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