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Suppose you lend $21,000 to a friend at an APR of 9.10%. Your friend will pay you back beginning next month with 36 monthly installments. You can reinvest the payments you receive in your money market account at an APR of 3.70%, calculated monthly. a. How much will your friend pay you each month? 209.02 b. How much will you have in your account at the end of 36 months? (to nearest $) 77801 c. What is your effective annual retum (EAR). 1 Monthly payment formula is PMT(rate,nper,-pv) 2 Amount lent to your friend (pv) 3 Number of monthly repayments (nper) 4 Monthly interest rate (APR/12)(rate) S 6 a. Amout your friend pay you each month is 7 8 Amount in account after 84 months is FV(rate,nper,-pmt) 9 Monthly deposit into the account (pmt) 10 Number of monthly deposits (nper) 11 Monthly interest rate (APR/12)(rate) 12 13 b. Amount in the account at the end of 84 months is 14 15 monthly rate is Rate(nper,-pmt,-pv.fv) 16 Amount earned after 84 months is (fv) 17 Amount lent to your friend (pv) 18 Additional monthly deposit (pmt) 19 Number of months (nper) 20 21 Monthly interest rate is 22 Effective annual rate= (1+monthly rate)^12-1 23 c. effective Annual rate (EAR) is 24 1 Monthly payment formula is PMT(rate,nper, pv) 2 Amount lent to your friend (pv) 3 Number of monthly repayments (nper) 4 Monthly interest rate (APR/12)(rate) 6a. Amout your friend pay you each month is Amount in account after 84 months is FV(rate,nper-pmt) 9 Monthly deposit into the account (pmt) 10 Number of monthly deposits (nper) 11 Monthly interest rate (APR/12)(rate) 12 13 b. Amount in the account at the end of 84 months is 14 15 monthly rate is Rate(nper,-pmt-pv.tv) 16 Amount earned after 84 months is (fv) 17 Amount lent to your friend (pv) 15 Additional monthly deposit (pm) 19 Number of months (nper) 20 21 Monthly interest rate is 22 Effective annual rate-(1-monthly rate) 12-1 23 c. effective Annual rate (EAR) is 21000 36 B $21,000 36 0.7583% $668.77 $668.77 36 0.3083% $25,421 $25,421 $21,000 SO 84 0.22772% 2.77% 15/12 PMT(84,81-82) -86 183 -3.7%/12 FV(811,810,-99) +813 82 10 84 RATE(819,818-817,816) (1.821) 12-1