A) What are the three alternatives in financing current purchases for most consumers? Describe the trade-offs of each alternative.

B) If Marjorie Wilcox borrows RM300 for one year with an APR of 21% and an annual service fee of RM6, what is her total cost of credit?

C) Explain negative amortization and how such a situation can occur.

D) In creating a plan to buy your life insurance, what factors should you consider before buying? Also, describe from whom you should buy, including the sources.