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(Related to Checkpoint 5.7) (Calculating an EAR) After examining the various personal loan rates available to you, you find that you can borrow funds from a finance company at 12 percent compounded monthly or from a bank at 13 percent compounded annually. Which alternative is more attractive? If you can borrow funds from a finance company at 12 percent compounded monthly, the EAR for the loan is (Round to two decimal places.) (Related to Checkpoint 5.4) (Present-value comparison) You are offered $110,000 today or $380,000 in 15 years. Assuming that you can earn 15 percent on your money, which should you choose? If you are offered $380,000 in 15 years and you can earn 15 percent on your money, what is the present value of $380,000 ? (Round to the nearest cent.) (Solving for n with non-annual periods) Approximately how many years would it take for an investment to grow threefold if it were invested at 9 percent compounded quarterly? Assume that you invest $1 today. If you invest $1 at 9 percent compounded quarterly, about how many years would it take for your investment to grow threefold to $3 ? (Hint: Remember to convert your calculator solution to years.) years (Round to one decimal place.)