Mathematical Applications for the Management, Life, and Social Sciences
Mathematical Applications for the Management, Life, and Social Sciences
11th Edition
ISBN: 9781305108042
Author: Ronald J. Harshbarger, James J. Reynolds
Publisher: Cengage Learning
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A linear function can just be a constant, or it can be the constant multiplied with the variable like x or y. If the variables are of the form, x2, x1/2 or y2 it is not linear. The exponent over the variables should always be 1.
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Chapter 6.1, Problem 2E

SIMPLE INTEREST

In Problems 1-4, find the requested value and tell what the other numbers represent.

Find t :   1500   =   5000 ( 0.05 ) ( t )

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Chapter 6 Solutions

Mathematical Applications for the Management, Life, and Social Sciences

Ch. 6.1 - CHECKPOINT 1. What is the simple interest...Ch. 6.1 - CHECKPOINT 2. If $8000 is invested at 6% simple...Ch. 6.1 - CHECKPOINT 3. If a $2500 investment grows to $2875...Ch. 6.1 - Prob. 4CPCh. 6.1 - CHECKPOINT 5. Given the arithmetic sequence...Ch. 6.1 - Prob. 1ECh. 6.1 - SIMPLE INTEREST In Problems 1-4, find the...Ch. 6.1 - SIMPLE INTEREST In Problems 1-4, find the...Ch. 6.1 - Prob. 4ECh. 6.1 - 3. $10,000 is invested for 6 years at an annual...
Ch. 6.1 - 4. $800 is invested for 5 years at an annual...Ch. 6.1 - $1000 is invested for 3 months at an annual simple...Ch. 6.1 - 6. $1800 is invested for 9 months at an annual...Ch. 6.1 - If you borrow $800 for 6 months at 16% annual...Ch. 6.1 - 8. If you borrow $1600 for 2 years at annual...Ch. 6.1 - 9. If you lend $3500 to a friend for 15 months at ...Ch. 6.1 - 10. Mrs. Gonzalez lent $2500 to her son Luis for 7...Ch. 6.1 - A couple bought some stock for $30 per share that...Ch. 6.1 - Jenny Reed bought SSX stock for $16 per share. The...Ch. 6.1 - 13. (a) To buy a Treasury bill (T-bill) that...Ch. 6.1 - 14. Janie Christopher lent $6000 to a friend for...Ch. 6.1 - A firm buys 12 file cabinets at $140 each, with...Ch. 6.1 - 16. A student has a savings account earning 9%...Ch. 6.1 - If you want to earn 15% annual simple interest on...Ch. 6.1 - 18. What is the present value of an investment at...Ch. 6.1 - 19. If $5000 is invested at 8% annual simple...Ch. 6.1 - 20. How long does it take for $8500 invested at...Ch. 6.1 - 21. A retailer owes a wholesaler $500,000 due in...Ch. 6.1 - 22. An investor owns several apartment buildings....Ch. 6.1 - 23. Bill Casler bought a $2000,9-month certificate...Ch. 6.1 - 24. Suppose you lent $5000 to friend 1 for 18...Ch. 6.1 - 25. Write the first ten terms of the sequence...Ch. 6.1 - Prob. 28ECh. 6.1 - Prob. 29ECh. 6.1 - Prob. 30ECh. 6.1 - 29. Write the first four terms and the 10th term...Ch. 6.1 - Prob. 32ECh. 6.1 - In Problems 31-34, (a) identify d and and (b)...Ch. 6.1 - Prob. 34ECh. 6.1 - Prob. 35ECh. 6.1 - Prob. 36ECh. 6.1 - 35. Find the 83rd term of the arithmetic sequence...Ch. 6.1 - 36. Find the 66th term of the arithmetic sequence...Ch. 6.1 - 37. Find the 100th term of the arithmetic sequence...Ch. 6.1 - 38. Find the 73rd term of the arithmetic sequence...Ch. 6.1 - 39. Find the sum of the first 38 terms of the...Ch. 6.1 - 40. Find the sum of the first 56 terms of the...Ch. 6.1 - 41. Find the sum of the first 70 terms of the...Ch. 6.1 - Prob. 44ECh. 6.1 - Prob. 45ECh. 6.1 - Prob. 46ECh. 6.1 - Prob. 47ECh. 6.1 - 46. Salaries Suppose you are offered a job with a...Ch. 6.1 - 47. Profit A new firm loses $4000 in its first...Ch. 6.1 - 48. Pay raises If you make $36,000 and get $2400...Ch. 6.1 - 49. Salaries Suppose you are offered two identical...Ch. 6.1 - 50. Profit A new firm loses $4000 in its first...Ch. 6.1 - 51. Pay raises If you are an employee, would you...Ch. 6.1 - Prob. 54ECh. 6.2 - CHECKPOINT 1. If $5000 is invested at compounded...Ch. 6.2 - CHECKPOINT 2. Find the present value of an...Ch. 6.2 - CHECKPOINT 3. For each future value formula below,...Ch. 6.2 - CHECKPOINT 4. If $5000 is invested at 6%...Ch. 6.2 - CHECKPOINT 5. Find the annual percentage yield of...Ch. 6.2 - CHECKPOINT 6. How long does it take $5000 to...Ch. 6.2 - CHECKPOINT 7. Identify any geometric sequences...Ch. 6.2 - CHECKPOINT 8. (a) Find the 40th term of the...Ch. 6.2 - Prob. 1ECh. 6.2 - Prob. 2ECh. 6.2 - Prob. 3ECh. 6.2 - COMPOUND INTEREST In Problems 1-4, find the...Ch. 6.2 - For each investment situation in Problems 3-6,...Ch. 6.2 - For each investment situation in Problems 3-6,...Ch. 6.2 - Prob. 7ECh. 6.2 - Prob. 8ECh. 6.2 - 7. Find the future value if $8000 is invested for...Ch. 6.2 - 8. What is the future value if $8600 is invested...Ch. 6.2 - 9. What are the future value and the interest...Ch. 6.2 - 10. What interest will be earned if $6300 is...Ch. 6.2 - 11. What lump sum do parents need to deposit in an...Ch. 6.2 - 12. What lump sum should be deposited in an...Ch. 6.2 - 13. What present value amounts to $10,000 if it is...Ch. 6.2 - 14. What present value amounts to $300,000 if it...Ch. 6.2 - 15. Find the future value if $5100 is invested for...Ch. 6.2 - 16. Find the interest that will result if $8000 is...Ch. 6.2 - 17. What is the compound interest if $41,000 is...Ch. 6.2 - 18. If $8000 is invested at compounded...Ch. 6.2 - 19. Grandparents want to make a gift of $100,000...Ch. 6.2 - 20. Suppose an individual wants to have $200,000...Ch. 6.2 - 21. Which investment will earn more money, a $1000...Ch. 6.2 - Prob. 24ECh. 6.2 - 23. Find the annual percentage yield for an...Ch. 6.2 - Prob. 26ECh. 6.2 - In Problems 25 and 26, rank each interest rate and...Ch. 6.2 - Prob. 28ECh. 6.2 - 27. Two different investment companies offer...Ch. 6.2 - 28. For life insurance policies, some of the...Ch. 6.2 - 29. The figure shows a graph of the future value...Ch. 6.2 - Prob. 32ECh. 6.2 - 31. Microsoft's stock price peaked at of its IPO...Ch. 6.2 - If $10,000 had been invested in the Sagamore...Ch. 6.2 - 33. How long (in years) would $700 have to be...Ch. 6.2 - 34. How long (in years) would $600 have to be...Ch. 6.2 - 35. At what nominal rate compounded quarterly...Ch. 6.2 - 36. At what nominal rate compounded annually would...Ch. 6.2 - 37. For her 1st birthday, Ruth’s grandparents...Ch. 6.2 - 38. To help their son buy a car on his 16th...Ch. 6.2 - 39. (a) A 40-year-old man has $432,860 in an IRA...Ch. 6.2 - 40. (a) The purchase of Alaska cost the United...Ch. 6.2 - 41. A couple needs $45,000 as a down payment for a...Ch. 6.2 - 42. How long does it take an account containing...Ch. 6.2 - 43. Mary Stahley invested $2500 in a 36-month...Ch. 6.2 - 44. Suppose Patrick Goldsmith deposited $1000 in...Ch. 6.2 - In Problems 45 and 46, use a spreadsheet or...Ch. 6.2 - Prob. 48ECh. 6.2 - Prob. 49ECh. 6.2 - Prob. 50ECh. 6.2 - Prob. 51ECh. 6.2 - Prob. 52ECh. 6.2 - Prob. 53ECh. 6.2 - In Problems 49-58, write an expression that gives...Ch. 6.2 - In Problems 49-58, write an expression that gives...Ch. 6.2 - In Problems 49-58, write an expression that gives...Ch. 6.2 - Prob. 57ECh. 6.2 - Prob. 58ECh. 6.2 - Prob. 59ECh. 6.2 - In Problems 49-58, write an expression that gives...Ch. 6.2 - 59. Inflation A house that 20 years ago was worth...Ch. 6.2 - Prob. 62ECh. 6.2 - 61. Population growth Suppose a country has a...Ch. 6.2 - Prob. 64ECh. 6.2 - Prob. 65ECh. 6.2 - 64. Population If a population of 8 million begins...Ch. 6.2 - 65. Ball rebounding A ball is dropped from a...Ch. 6.2 - 66. Water pumping A pump removes of the water in...Ch. 6.2 - 67. Depreciation A machine is valued at $10,000....Ch. 6.2 - 68. Profit Suppose a new business makes a $1000...Ch. 6.2 - Prob. 71ECh. 6.2 - Prob. 72ECh. 6.2 - Prob. 73ECh. 6.2 - Prob. 74ECh. 6.2 - 73. Chain letters Suppose you receive a chain...Ch. 6.2 - Prob. 76ECh. 6.2 - Prob. 77ECh. 6.3 - CHECKPOINT 1. Suppose that $500 is deposited at...Ch. 6.3 - CHECKPOINT 2. A sinking fund of $100,000 is to be...Ch. 6.3 - CHECKPOINT 3. Suppose $100 is deposited at the...Ch. 6.3 - Prob. 1ECh. 6.3 - Prob. 2ECh. 6.3 - Prob. 3ECh. 6.3 - In Problems 1-4, find the requested value (to the...Ch. 6.3 - 3. The figure shows a graph that compares the...Ch. 6.3 - 4. The figure shows a graph that compares the...Ch. 6.3 - 5. Find the future value of an annuity of $1300...Ch. 6.3 - Prob. 8ECh. 6.3 - Find the future value of an ordinary annuity of...Ch. 6.3 - Prob. 10ECh. 6.3 - 9. The Weidmans want to save $40,000 in 2 years...Ch. 6.3 - 10. A sinking fund is established to discharge a...Ch. 6.3 - 11. If $2500 is deposited at the end of each...Ch. 6.3 - 12. If $4000 is deposited at the end of each half...Ch. 6.3 - 13. In this sections Application Preview, we...Ch. 6.3 - 14. (a) Patty Stacey deposits $2000 at the end of...Ch. 6.3 - 15. Find the future value of an annuity due of...Ch. 6.3 - 16. Find the future value of an annuity due of...Ch. 6.3 - 17. Find the future value of an annuity due of...Ch. 6.3 - A house is rented for $3600 per quarter, with each...Ch. 6.3 - 19. How much must be deposited at the beginning of...Ch. 6.3 - 20. What is the size of the payments that must be...Ch. 6.3 - 21. A company wants to have $800,000 for office...Ch. 6.3 - 22. Seana wants to save $20,000 toward the...Ch. 6.3 - In Problems 23-40, (a) state whether the problem...Ch. 6.3 - In Problems 23-40, (a) state whether the problem...Ch. 6.3 - Prob. 27ECh. 6.3 - In Problems 23-40, (a) state whether the problem...Ch. 6.3 - In Problems 23-40, (a) state whether the problem...Ch. 6.3 - Prob. 30ECh. 6.3 - Prob. 31ECh. 6.3 - Prob. 32ECh. 6.3 - Prob. 33ECh. 6.3 - 32. Sofia can deposit $350 at the beginning of...Ch. 6.3 - 33. Mr. Gordon plans to invest $300 at the end of...Ch. 6.3 - 34. For 3 years, $4000 is placed in a savings...Ch. 6.3 - 35. Grandparents plan to open an account on their...Ch. 6.3 - 36. How much money should a couple deposit at the...Ch. 6.3 - Prob. 39ECh. 6.3 - 38. A company establishes a sinking fund to...Ch. 6.3 - 39. A sinking fund is established by a working...Ch. 6.3 - 40. A property owner has several rental units and...Ch. 6.3 - Problems 41-44 are complex financial problems that...Ch. 6.3 - Problems 41-44 are complex financial problems that...Ch. 6.3 - Problems 41-44 are complex financial problems that...Ch. 6.3 - Problems 41-44 are complex financial problems that...Ch. 6.4 - CHECKPOINT 1. Suppose an annuity pays $2000 at the...Ch. 6.4 - CHECKPOINT 2. An inheritance of $400,000 will...Ch. 6.4 - Prob. 3CPCh. 6.4 - Prob. 4CPCh. 6.4 - Prob. 1ECh. 6.4 - In Problems 1-4, find the requested value (to the...Ch. 6.4 - Prob. 3ECh. 6.4 - Prob. 4ECh. 6.4 - 3. Find the present value of an annuity of $6000...Ch. 6.4 - 4. Find the present value of an annuity that pays...Ch. 6.4 - 5. Suppose a state lottery prize of $5 million is...Ch. 6.4 - 6. How much is needed in an account that earns...Ch. 6.4 - 7. With a present value of $135,000, what is the...Ch. 6.4 - 8. If $88,000 is invested in an annuity that earns...Ch. 6.4 - 9. A personal account earmarked as a retirement...Ch. 6.4 - 10. A professional athlete invested $2.5 million...Ch. 6.4 - 11. Suppose that a 25-year government bond has a...Ch. 6.4 - 12. Suppose that a 10-year corporate bond has a...Ch. 6.4 - 13. The figure shows a graph that compares the...Ch. 6.4 - 14. The figure shows a graph that compares the...Ch. 6.4 - Prob. 17ECh. 6.4 - Prob. 18ECh. 6.4 - 17. Find the present value of an annuity due that...Ch. 6.4 - 18. Find the present value of an annuity due that...Ch. 6.4 - 19. What amount must be set aside now to generate...Ch. 6.4 - 20. Suppose an annuity will pay $15,000 at the...Ch. 6.4 - 21. A year-end bonus of $25,000 will generate how...Ch. 6.4 - 22. A couple inherits $89,000. How much can this...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - Prob. 34ECh. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - Prob. 36ECh. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - In Problems 23-38, (a) decide whether the problem...Ch. 6.4 - 39. A 10-year Emmaco Corporate bond has a par...Ch. 6.4 - 40. Kodicom Inc. has 15-year bonds with a $5000...Ch. 6.4 - Problems 41-44 are complex financial problems that...Ch. 6.4 - Problems 41-44 are complex financial problems that...Ch. 6.4 - Problems 41-44 are complex financial problems that...Ch. 6.4 - Problems 41-44 are complex financial problems that...Ch. 6.4 - Prob. 47ECh. 6.4 - 46. Find the present value of an annuity of $2000...Ch. 6.4 - 47. The terms of a single parent’s will indicate...Ch. 6.4 - 48. On his 48th birthday, a man wants to set aside...Ch. 6.4 - 49. The semiannual tuition payment at a major...Ch. 6.4 - 50. A community is soliciting pledges for a...Ch. 6.4 - 51. Danny Metzger’s parents invested $ 1600 when...Ch. 6.4 - 52. Carol Goldsmith received a trust fund...Ch. 6.4 - Prob. 55ECh. 6.4 - 54. A couple received a $134,000 inheritance the...Ch. 6.5 - CHECKPOINT 1. A debt of $25,000 is to be amortized...Ch. 6.5 - CHECKPOINT 2. A new college graduate determines...Ch. 6.5 - Prob. 3CPCh. 6.5 - Prob. 1ECh. 6.5 - Prob. 2ECh. 6.5 - 3. A debt of $8000 is to be amortized with 8 equal...Ch. 6.5 - 4. A loan of $10,000 is to be amortized with 10...Ch. 6.5 - 5. A recent graduate’s student loans total...Ch. 6.5 - 6. For equipment upgrades, a business borrowed...Ch. 6.5 - 7. A homeowner planning a kitchen remodeling can...Ch. 6.5 - 8. AdriAnne and Anna’s Auto Repair wants to add a...Ch. 6.5 - Prob. 9ECh. 6.5 - In Problems 9-12, develop an amortization schedule...Ch. 6.5 - Prob. 11ECh. 6.5 - Prob. 12ECh. 6.5 - 13. A $10,000 loan is to be amortized for 10 years...Ch. 6.5 - 14. A debt of $8000 is to be amortized with 8...Ch. 6.5 - 15. When Maria Acosta bought a car years ago, she...Ch. 6.5 - Prob. 16ECh. 6.5 - Problems 17-20 describe a debt to be amortized. In...Ch. 6.5 - Problems 17-20 describe a debt to be amortized. In...Ch. 6.5 - Problems 17-20 describe a debt to be amortized. In...Ch. 6.5 - Problems 17-20 describe a debt to be amortized. In...Ch. 6.5 - 21. A man buys a car for $36,000. If the interest...Ch. 6.5 - 22. A woman buys a car for $40,000. If the...Ch. 6.5 - 23. A couple purchasing a home budget $1800 per...Ch. 6.5 - 24. A developer wants to buy a certain parcel of...Ch. 6.5 - 25. A couple who borrow $90,000 for 30 years at...Ch. 6.5 - 26. A company that purchases a piece of equipment...Ch. 6.5 - 27. When Otto and Millie bought their home, they...Ch. 6.5 - Prob. 28ECh. 6.5 - A recent college graduate buys a new car by...Ch. 6.5 - A young couple buying their first home borrow...Ch. 6.5 - 31. Jadele, Inc., borrowed $12.8 million at 7.2%...Ch. 6.5 - 32. When Gustavo and Serrana bought their home,...Ch. 6.5 - Prob. 33ECh. 6.5 - Prob. 34ECh. 6.5 - Prob. 35ECh. 6.5 - 36. Some banks now have biweekly mortgages (that...Ch. 6.5 - Prob. 37ECh. 6.5 - 38. Time-share sales provide an opportunity for...Ch. 6.5 - COMBINED APPLICATIONS Problems 39 and 40 are...Ch. 6.5 - COMBINED APPLICATIONS Problems 39 and 40 are...Ch. 6 - 1. Find the first 4 terms of the sequence with nth...Ch. 6 - Prob. 2RECh. 6 - 3. Find the 80th term of the arithmetic sequence...Ch. 6 - 4. Find the 36th term of the arithmetic sequence...Ch. 6 - 5. Find the sum of the first 60 terms of the...Ch. 6 - Prob. 6RECh. 6 - Prob. 7RECh. 6 - Prob. 8RECh. 6 - 9. Loans If $8000 is borrowed at 12% simple...Ch. 6 - 10. Loan rate Mary Toy borrowed $2000 from her...Ch. 6 - 11. Tuition How much summer earnings must a...Ch. 6 - Prob. 12RECh. 6 - 13. Salaries Suppose you are offered two identical...Ch. 6 - Prob. 14RECh. 6 - Prob. 15RECh. 6 - Prob. 16RECh. 6 - 17. Interest If $1000 is invested for 4 years at...Ch. 6 - 18. Savings goal How much must one invest now to...Ch. 6 - Prob. 19RECh. 6 - 20. College fund A couple received an inheritance...Ch. 6 - Prob. 21RECh. 6 - 22. Investment rates (a) If an initial investment...Ch. 6 - Prob. 23RECh. 6 - Prob. 24RECh. 6 - Prob. 25RECh. 6 - 26. Annuity Find the future value of an ordinary...Ch. 6 - 27. Sinking fund How much would have to be...Ch. 6 - Prob. 28RECh. 6 - Prob. 29RECh. 6 - Prob. 30RECh. 6 - Prob. 31RECh. 6 - Prob. 32RECh. 6 - 33. Powerball lottery Winners of lotteries receive...Ch. 6 - 34. Payment from an annuity A recent college...Ch. 6 - 35. Payment from an annuity An IRA of $250,000 is...Ch. 6 - 36. Bond pricing Suppose that a 30-year municipal...Ch. 6 - 37. Duration of an annuity A retirement account...Ch. 6 - 38. Amortization A debt of $1000 with interest at...Ch. 6 - Prob. 39RECh. 6 - Prob. 40RECh. 6 - 41. Amortization schedule Complete the...Ch. 6 - Prob. 42RECh. 6 - Prob. 43RECh. 6 - Prob. 44RECh. 6 - Prob. 45RECh. 6 - Prob. 46RECh. 6 - Prob. 47RECh. 6 - Prob. 48RECh. 6 - Prob. 49RECh. 6 - 50. How much must be deposited at the end of each...Ch. 6 - Prob. 51RECh. 6 - 52. Quarterly payments of $500 are deposited in an...Ch. 6 - 53. If $8000 is invested at 7% compounded...Ch. 6 - 54. An investment broker bought some stock at...Ch. 6 - Prob. 55RECh. 6 - 56. A $5000 Mauranol, Inc., corporate bond matures...Ch. 6 - Prob. 57RECh. 6 - 58. A young couple receive an inheritance of...Ch. 6 - 59. A banker is trying to decide whether to...Ch. 6 - 60. To purchase a home, a couple borrowed $280,000...Ch. 6 - 61. A divorce settlement of $40,000 is paid in...Ch. 6 - 62. If $8000 is invested at 12% compounded...Ch. 6 - 63. A couple borrowed $ 184,000 to buy a...Ch. 6 - Problems 64-67 are complex financial problems that...Ch. 6 - Problems 64-67 are complex financial problems that...Ch. 6 - 1. If $8000 is invested at 7% compounded...Ch. 6 - 2. Suppose you invest $100 at the end of each...Ch. 6 - 3. To buy a municipal bond that matures to $10,000...Ch. 6 - 4. A debt of $280,000 is amortized with 40 equal...Ch. 6 - 5. If an investment of $1000 grew to $ 13,500 in 9...Ch. 6 - 6. A couple borrowed $97,000 at 7.2% compounded...Ch. 6 - 7. If you borrow $2500 for 15 months at 4% simple...Ch. 6 - 8. How much must you put aside at the beginning of...Ch. 6 - Prob. 9TCh. 6 - 10. An accountant wants to withdraw $3000 from an...Ch. 6 - Prob. 11TCh. 6 - Prob. 12TCh. 6 - 13. What amount must you invest in an account that...Ch. 6 - 14. If $1500 is deposited at the end of each...Ch. 6 - 15. Maxine deposited $400 at the beginning of each...Ch. 6 - 16. Grandparents plan to establish a college trust...Ch. 6 - Prob. 17TCh. 6 - 18. Suppose that a 10-year corporate bond has a...Ch. 6 - 19. The following sequence is arithmetic: 298.8,...Ch. 6 - Prob. 20TCh. 6 - 21. If you took a home mortgage loan of $150,000...Ch. 6 - 22. A couple would like to have $50,000 at the end...Ch. 6 - 23. A woman makes $3000 contributions at the end...
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