XYZ company is currently using an EDT transfer for most of its movement of funds from deposit accounts to its concentration account at a cost of $1.00 per transfer. A wire transfer option is available at a total cost of $15. If the cost of capital is 3.5%, what would be the minimum amount that should be wired during the middle of the week?

Using the transfer cost information from the above problem and assuming XYZ is a net investor in the short-term, what must XYZ be able to earn on a short term investment in order to make it worthwhile to wire transfer $50,000 on a Friday, rather than use the EDT?