a first time homebuyer is given the choice of two loans: loan a: 390,000, 15 year-fixed, 4 discount points, M=$3,509.71. loan b: 390,000, 15 year-fixed, 0 discount points, M=3,659.86. how much does the hole buyer save in total by choosing loan A? a) 27,027 b) 11,427 c) 26,351.02 d) 42,627.05

A First Time Homebuyer Is Given The Choice Of Two Loans: Loan A: 390,000, 15 Year-fixed, 4 Discount Points,

Answers

Answer 1

The amount the the home buyer saves in total by choosing Loan A is  most closest to $11,427. The Option B is correct.

How much does the buyer save by choosing Loan A?

In order to compare the total cost of each loan, we need to consider both the monthly payment and the discount points.

For Loan A, we have Loan amount: $390,000, Loan term: 15 years, Discount points: 4 and Monthly payment: $3,509.71. For Loan B, we have Loan amount: $390,000, Loan term: 15 years Discount points: 0 and  Monthly payment: $3,659.86.

The total cost of Loan A is the sum of the discounted upfront cost (discount points) and the total of all monthly payments over the life of the loan:

= (4% of $390,000) + ($3,509.71 x 180)

= $15,600 + $631,948.80

= $647,548.80

The total cost of Loan B is the total of all monthly payments over the life of the loan:

= ($3,659.86 x 180)

= $658,574.80

Now, the amount saved by choosing Loan A over Loan B is the difference between their total costs which equals:

= Total cost of Loan B - Total cost of Loan A

= $658,574.80 - $647,548.80

= $11,026

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Related Questions

What is height of 165 cm?

Answers

The height of 165 cm is equivalent to 1.65 meters or 5 feet 5 inches.

This is a measurement of length or distance that is commonly used to describe the height of a person or object.

To convert centimeters to meters, you can simply divide the number of centimeters by 100. In this case, 165 cm divided by 100 gives you 1.65 meters.

To convert centimeters to feet and inches, you can first divide the number of centimeters by 2.54 to get the number of inches. Then, you can divide the number of inches by 12 to get the number of feet and the remainder will be the number of inches.

In this case, 165 cm divided by 2.54 gives you 64.96 inches. Dividing 64.96 inches by 12 gives you 5 feet with a remainder of 4.96 inches, which can be rounded to 5 inches.

So, the height of 165 cm is equivalent to 1.65 meters or 5 feet 5 inches.

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. Write an equation of a line that does not have an x-intercept. The equation of a line is y= 3.6x + 2. ​

Answers

The equation of a line that does not have an x intercept is y = 3.

What is x intercept?

x intercept of a line is the x coordinate of a point where the line touches the X axis. y coordinate of that point will be 0.

x intercept will be of the form (x, 0).

Every line will touch the X axis at any point.

The only line that will not touch X axis at any point will be the line parallel to the X axis.

Equation of a line parallel to the X axis is of the form y = k, where k is a constant.

Let k = 3.

So y = 3 has no x intercept.

Hence the line y = 3 does not have an x intercept.

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What is 46 kg in lbs ?

Answers

Answer: 101.41 lbs.

Step-by-step explanation:

46 kilograms can be converted to pounds by multiplying the number of kilograms by 2.20462.

So, 46 kg = 46 * 2.20462 = 101.41 lbs.

What is the probability that the web site has fewer than 5 million visitors in a single day? if needed, round your answer to four decimal digits.

Answers

Answer:

Step-by-step explanation: daddy

Describe the problem of acid rain. How can this problem be solved? why does this work?.

Answers

Acid rain is the acidic rain that produce due to the mixture of sulhuric and nitric acid with rain water. The problem is solved by using renewable resources that reduces the pollution and the emission of acidic pollutants.

Acid Rain

Acid rain, or acid deposition, is a broad term that includes any form of precipitation with acidic components, such as sulfuric or nitric acid that fall to the ground from the atmosphere in wet or dry forms. This can include rain, snow, fog, hail or even dust that is acidic.

solution of acid rain

A great way to reduce acid rain is to produce energy without using fossil fuels. Instead, people can use renewable energy sources, such as solar and wind power.

Renewable energy sources help reduce acid rain because they produce much less pollution.

Filter and detoxify the water used by the factories before returning it to the rivers.

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If you spin the spinner 75 times, how many 2’s? (Note: Spinner has 5 spots ranging from 1-5)

Answers

If you spin the spinner 75 times, the expected number of 2's is 15.

About probability

Since the spinner has 5 spots ranging from 1-5, the probability of getting a 2 on any given spin is 1/5.

Therefore, if you spin the spinner 75 times, the expected number of 2's is: (1/5) * 75 = 15

So, if you spin the spinner 75 times, you can expect to get 15 2's.

Probability itself has a number from 0 to 1.

The probability value is 0 (zero) for an event that is impossible or unlikely to occur, for example, cows laying eggs.

While the probability value of 1 (one) is an event that will definitely occur, such as the change between day and night.

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PLEASE HELP

Solve each system of equations algebraically.

Answers

The solution to the system of equation y = x + 12 and y = (1/2)x is (-24,-12).

What is the solution to the system of equation?

Given the system of equation in the question;

y = x + 12

y = (1/2)x

To solve the system of equation, first plug equation to into equation one and solve for x.

y = x + 12

Plug in y = (1/2)x

(1/2)x = x + 12

Multiply each term by 2

2(1/2)x = 2x + 2(12)

x = 2x + 24

x - 2x = 2x - 2x + 24

x - 2x = 24

-x = 24

x = -24

Now, plug x = -24 into equation two and solve for y.

y = (1/2)x

Plug in x = -24

y = (1/2)( -24 )

y = -24/2

y = -12

Therefore, the value of x is -24 and y is -12.

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If two angles of a triangles are 50degree and 65 degree, then the third angle is?

Answers

Answer: F=180-(50+65) 65

Step-by-step explanation: the angles add the up 180°

The scores from a 20 point algebra quiz are shown.
18, 10, 17, 19, 13, 9, 7, 12, 20, 15

The percentile of a test score can be defined as the percent of test scores less than or equal to that test score

Use this definition to find the percentile of the test score 12

The test score 12 is at the ___th percentile

Answers

Answer:

Percentile = 90

Therefore, the test score 12 is at the 90th percentile.

Step-by-step explanation:

Percentile = (Number of scores less than or equal to score) / (Total number of scores) * 100

Percentile = (9) / (10) * 100

Answer:

Percentile = 90Therefore, the test score 12 is at the 90th percentile

Percentile = (Number of scores less than or equal to score) / (Total number of scores) * 100Percentile = (9) / (10) * 100Step-by-step explanation:

what are the factor pairs needed to answer 3z^2 + 26z - 9

Answers

Answer:

daddy

Step-by-step explanation:

hey daddy

Answer:

Therefore, the factor pairs needed to answer 3z^2 + 26z - 9 are (-3, 9) and (3z - 1, z + 9).

Step-by-step explanation:

To factor the quadratic expression 3z^2 + 26z - 9, we need to find two numbers that multiply to give us 3 times -9 = -27, and add up to 26.

One way to do this is to list all the factor pairs of -27 and look for the pair that has a sum of 26:

-27 and 1

-9 and 3

-3 and 9

-1 and 27

We can see that the pair that adds up to 26 is -3 and 9. So we can use these numbers to write the quadratic expression as a product of two binomials:

3z^2 + 26z - 9 = (3z - 1)(z + 9)

Therefore, the factor pairs needed to answer 3z^2 + 26z - 9 are (-3, 9) and (3z - 1, z + 9).

Help me please I need someone’s help on this hmh

Answers

Note that the area of the smaller square will be depicted by: 20inches.

What is the rationale for the above response?

Area of the larger square  - Area of the 4 Right Angled Triangles

Since the Area of the larger square  = is 36inches; and

Area of the one of the  Right Angled Triangles = 4inches

Thus, the Boxes will be completed as follows;


[36in] - (4) [4] or [20in]

Since

36 - 16 = 20 inches.

Note that a square is a closed two-dimensional form having four equal sides and four vertices. Its opposing sides are perpendicular to one other. A square can alternatively be thought of as a rectangle with equal length and width.

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The area of a square is one third the area of a triangle. If the base of the triangle and a side of the square are equal, what is the ratio of the height of the triangle to the side of the square ?.

Answers

The ratio of the height of the triangle to the side of the square is 6.

A triangle is a three-sided polygon with three vertices and three angles. Triangles can have different shapes and sizes, including equilateral, isosceles, and scalene triangles.

Let's call the side of the square x. Since the base of the triangle is equal to the side of the square, we can use x for both. The area of the square can then be found by x² and the area of the triangle can be found by (x)(h)/2, where h is the height of the triangle.

We know that the area of the square is one-third the area of the triangle, so we can set up an equation:

x² = (1/3)(x)(h)/2

Expanding the right side of the equation:

x² = (1/3)(xh)/2

Now we can isolate the height of the triangle by multiplying both sides by 6 and dividing by x:

6x² = (xh)

Finally, we can divide both sides by x to find the ratio of the height of the triangle to the side of the square:

6x = h

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Divide 12x3 − 16x2 − 4x by −4x.

−3x2 + 4x − 1
−3x2 + 4x + 1
−3x3 − 4x2 − x
−3x2 + 4x

Answers

Answer:

-3x2+4x+1

Step-by-step explanation:

assuming the numbers after x are squares, cubes etc. 12x3    -16x2     -4x all need to be divided by -4x. 12x3/-4x(12/4 and to divided x cubed by x, -1 to the exponent) =-3x2. -16x2/-4x(-16/-4 and to divide x squared by x, -1 to the exponent)=4x. -4x/-4x(anything divided by itself is 1) therefore you have -3x2+4x+1

Answer:

[tex]-3x^2+4x+1[/tex]

Step-by-step explanation:

[tex]=\frac{4x\left(3x^2-4x-1\right)}{-4x}[/tex]

[tex]=\frac{x\left(3x^2-4x-1\right)}{-x}[/tex]

[tex]\mathrm{Apply\:the\:fraction\:rule}:\quad \frac{a}{-1}=-a[/tex]

[tex]=-\left(3x^2-4x-1\right)[/tex]

[tex]Simplify[/tex]

[tex]=-\left(3x^2-4x-1\right)[/tex]

hope this helps :P

I need help ASAP pls!!!!
I need the rest of the steps!!

Answers

Answer:

how can I help you when I don't know the steps

Aubrey opened a savings account and deposited $100.00. The account earns 2% interest, compounded annually. If she wants to use the money to buy a new bicycle in 3 years, how much will she be able to spend on the bike? nt P(1 + 2)", where A is the balance (final amount), P is the principal Use the formula A = P (starting amount), r is the interest rate expressed as a decimal, n is the number of times per year that the interest is compounded, and t is the time in years. Round your answer to the nearest cent.​

Answers

In 3 years, Aubrey will be able to spend $106.08 on a new bicycle.

To find out how much Aubrey will be able to spend on the bike in 3 years

First we can use the formula for compound interest:

A = P * (1 + r/n)^(nt)

Where:

A = final amount (balance)

P = principal (starting amount) = $100.00

r = interest rate as a decimal = 2% = 0.02

n = number of times per year that the interest is compounded = 1 (annually)

t = time in years = 3

Plugging in these values, we get:

A = $100.00 * (1 + 0.02/1)^(1 * 3)

A = $100.00 * (1.02)^3

A = $100.00 * 1.0608

A = $106.08

Therefore, in 3 years, Aubrey will be able to spend $106.08 on a new bicycle.

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The circumference of a circle is 100.48 kilometers. What is the circle's radius? use 3.14

Answers

The radius of a circle with a circumference of 100.48 kilometers is equal to 32 kilometers.

How to calculate the circumference of a circle?

Mathematically, the circumference of a circle can be calculated by using this mathematical expression:

C = 2πr

Where:

C represents the circumference of a circle.r represents the radius of a circle.

Substituting the given parameters into the circumference of a circle formula, we have the following;

100.48 = 3.14r

Radius, r = 100.48/3.14

Radius, r = 32 kilometers.

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You invest $500 in an account that has an annual interest rate of 8% compounded weekly for 12 years what is the equivalent interest-rate and how many times will money be compounded how much will you have?

Answers

To find the equivalent interest rate and the number of times the money will be compounded, we need to use the formula for compound interest:

A = P(1 + r/n)^(nt)

where A is the amount of money at the end of the investment period, P is the initial investment, r is the annual interest rate, n is the number of times the interest is compounded per year, and t is the investment period in years.

In this case, P = $500, r = 8%, n = 52 (since the interest is compounded weekly), and t = 12 years. We can plug these values into the formula and solve for A:

A = $500(1 + 0.08/52)^(52*12) ≈ $1,333.30

So after 12 years, the investment will be worth approximately $1,333.30.

To find the equivalent interest rate, we can use the formula:

(1 + i) = (1 + r/n)^n

where i is the equivalent interest rate. Plugging in the values, we get:

(1 + i) = (1 + 0.08/52)^52
(1 + i) ≈ 1.0838
i ≈ 0.0838 or 8.38%

So the equivalent interest rate is approximately 8.38% and the money will be compounded 52 times per year (weekly).

A restaurant has an aquarium in the shape of a rectangular prism. The base is 6 feet by 2. 5 feet in size. The height is 4 feet. How many square feet of glass was used in making this aquarium? ***hint---where is the glass part of the aquarium?***.

Answers

45 square feet of glass was used in making this aquarium.

A region's size on a surface is determined by its area. The term "surface area" refers to the area of an open surface or the perimeter of a three-dimensional object, whereas "plane area" refers to the area of a shape or planar lamina.

The base of the aquarium is 6 feet by 2.5 feet, so its area is 6 x 2.5 = 15 square feet.

Since the aquarium is a rectangular prism, it has three sides that are the same size as the base. So, each of the three sides has an area of 15 square feet.

Therefore, the total area of glass used in making the aquarium is 3 x 15 = 45 square feet.

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I REALLY NEED HELP
How do you know when anexpression is in its simplest form?

Answers

An expression is in its simplest form when it can no longer be simplified or reduced any further.

What happens when an expression is in its simplest form ?

When an expression is in its simplest form , it means that it has been reduced to its most basic and concise form, with no unnecessary terms or factors.

This makes it easier to evaluate and work with the expression . In some cases , the simplest form of an expression may also reveal certain properties or relationships that were not immediately apparent in its original form.

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Which of the following are like terms in this expression?
12a−7+7a+12b

Answers

Answer: Hello! I'm Jk!....

7a and 12a

Step-by-step explanation:

Hope this really helps you, XoXoGoldenMaknae

How would you make an equation of a linear function if it starts at 1127 and goes up 92 every hour

Answers

The solution is given below.

What is equation?

An equation is a  mathematical statement that is made up of two expressions connected by an equal sign.  In its simplest form in algebra, the definition of an equation is a mathematical statement that shows that two mathematical expressions are equal. For instance, 3x + 5 = 14 is an equation, in which 3x + 5 and 14 are two expressions separated by an 'equal' sign.

here, we have,

Consider that on a coordinate plane-xy, the x-values increase from left to right, and y-values increase from bottom to up.

Given that the linear graph passes through (1,1).

It is given that the graph goes 3 units up for every 2 units right. This can also be understood as the graph goes 3 units down for every 2 units left.

From the point (1,1), the x-value corresponding to 2 units left is given by,

x=1-2

x= -1

Similarly, from the point (1,1), the y-value corresponding to 3 units down is given by,

y = 1 - 3

y= -2

So the point (-1,-2) must also lie on the same linear graph.

Therefore, option (b) is the correct choice.

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What is the perimeter of a regular dodecagon with a side length of 5√6 inches?
A. 50√6 inches
B. 60√6 inches
C. 60√30 inches
D. 360√2 inches
E. 55√6 inches

Answers

The perimeter of a regular decagon with sides 5√6 is 50√6 ( option A)

What is perimeter?

A perimeter is a closed path that encompasses, surrounds, or outlines either a two dimensional shape or a one-dimensional length. The perimeter of a circle or an ellipse is called its circumference. Calculating the perimeter has several practical applications.

The perimeter of a shape is obtained by adding all the sides together.

Therefore, if one side is 5√6 inches, a decagon which is of 10sides will have 5√6 inches at all it's sides because it is a regular polygon.

Therefore P= 5√6 × 10

P = 50√6 inches.

therefore the perimeter of the decagon is 50√6 inches

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Explain how a shaded line means that fractions, decimals, and numbers not labeled
on a number line can be part of the solution to an inequaliy

Answers

Answer:

In a sense, negative numbers could be related to decimals because place values of decimal digits involve taking 10 to negative powers. However, negative numbers do not have to be decimals (for example, -3) and decimals do not have to be negative numbers (for example, 0.2).

Answer:

23456trrytugfygtuh

Step-by-step explanation:

The system of linear equations 3x + 2y = −4 and y equals one half times x plus 1 is graphed on a coordinate plane. Approximate the solution to the system.

coordinate plane with one line that passes through the points 0 comma negative 2 and negative 2 comma 1 and another line that passes through the points 0 comma 1 and 2 comma 2

(−1.5, 0.25)
(−0.5, 0.75)
(1.5, 0.25)
(−2.5, 1.5)

Answers

Answer:

To approximate the solution to the system of equations, we need to find the point where the two lines intersect. From the second equation, we know that y = (1/2)x + 1. Substituting this expression for y into the first equation gives:

3x + 2[(1/2)x + 1] = -4

Simplifying and solving for x, we get:

3x + x + 2 = -4

4x = -6

x = -1.5

Substituting this value of x back into the second equation gives:

y = (1/2)(-1.5) + 1 = 0.25

Therefore, the solution to the system of equations is approximately (-1.5, 0.25).

So the answer is (−1.5, 0.25).

MATHHHHH help plesss

Answers

Answer:

c = 13

Step-by-step explanation:

We can solve for c using an equation that models the sum of the interior angles of a triangle.

The interior angles of a triangle add to 180º. Therefore, we can construct the equation:

90 + (3c - 1) + 52 = 180

Then, we can solve for c algebraically.

(3c - 1) = 180 - 90 - 52

 3c - 1 = 38

     3c = 38 + 1

3c / 3 = 39 / 3

       c = 13

5. Name the angle that is supplementary to COD.
A
F
OZCOA
O ZBOC
OLCOB
O ZBOA
B
O
۶,
D
(1 point)

Answers

Answer: D

Step-by-step explanation:

D. OLCOB. This angle is supplementary to COD because the two angles add up to 180°. OLCOB has a measure of 180° - 90° = 90°, which is supplementary to the 90° measure of COD.

Events A and B are independent, P(A)=P(B) and P(A∪B)=0.63 . Find P(B) .

Answers

Answer:

the probability of event B is approximately 0.48.

Step-by-step explanation:

P(A) = P(B) (given)

P(A∪B) = P(A) + P(B) - P(A∩B) (probability rule for the union of two events)

Since events A and B are independent, we know that P(A∩B) = P(A) × P(B).

Substituting the given values, we get:

0.63 = P(A) + P(B) - P(A) × P(B)

Since P(A) = P(B), we can substitute P(B) for P(A):

0.63 = 2P(B) - P(B)^2

Rearranging this equation, we get:

P(B)^2 - 2P(B) + 0.63 = 0

This is a quadratic equation that we can solve using the quadratic formula:

P(B) = [2 ± sqrt(4 - 4×0.63)] / 2

P(B) = [2 ± sqrt(1.48)] / 2

P(B) ≈ 1 or P(B) ≈ 0.48

Since probabilities must be between 0 and 1, we can discard the solution P(B) = 1, and the only possible solution is:

P(B) ≈ 0.48

Therefore, the probability of event B is approximately 0.48.

OPEN-ENDED Write an algebraic expression using more than one
operation. When you evaluate the expression, how do you know
which operation to perform first?

Answers

Answer:

9(4+5)-16=

Explanation:

P (parenthesis) E (exponents) M (multiply) D (divide) A (add) S (subtract)

HOPE THIS HELPS

7 1/3 divided by 1 2/9

Answers

Answer:

6

Step-by-step explanation:

7 1/3 ÷ 1 2/9

7 1/3 = 22/3

1 2/9 = 11/9

22/3 ÷ 11/9

= 22/3 x 9/11

= 198/33

= 66/11

= 6

What does Cronbach's alpha calculate?

Answers

Cronbach's alpha calculates the internal consistency of a set of variables or items in a questionnaire or test, indicating how reliably they measure the same construct.

Cronbach's alpha is a measure of reliability used in psychometrics to assess the consistency or homogeneity of a set of items in a questionnaire or test designed to measure a specific construct or trait. It calculates the degree of correlation among the items and indicates the extent to which they measure the same underlying concept. A high alpha value (usually ranging from 0 to 1) indicates strong internal consistency and suggests that the items are measuring the same construct in a reliable manner. Researchers use Cronbach's alpha to evaluate the quality of a test or questionnaire and to determine whether it is suitable for the intended purpose.

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