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You have saved $29,778.00 for a three-year vacation to Germany. You will keep your money invested in an account paying 8.04% APR with monthly compounding while you live in Munich. You will make your withdrawals at the beginning of the month. What is the balance on the account after the first month? (This is the balance prior to the withdrawal for the second month) Answer format: Currency: Round to: 2 decimal places. An investment will pay 10.64% APR with quarterly compounding. What is the effective rate of interest on the account? Answer format: Percentage Round to: 2 decimal places (Example: 9.24%,% sign required. Will accept decimal format rounded to 4 decimal places (ex: 0.0924)) A lender offers you a mortgage with an APR of 4.32% with monthly compounding. What is the effective rate of interest charged by the lender? Answer format: Percentage Round to: 2 decimal places (Example: 9.24%,% sign required. Will accept decimal format rounded to 4 decimal places (ex: 0.0924) ) You have decided to save money for your son's college tuition. You will put away $1,546.00 every six months for the next 13.00 years. If the account will pay 4.00% APR with semi-annual compounding, what is the future value of this investment? (treat as regular annuity)