You are hired to work for a company at age 25 and the company has a retirement plan
where you can put up to 6% of your salary into the plan each month and they will match
that amount. Your starting monthly salary is $6,100, assume for simplicity sake you
never get a raise, and the retirement plan guarantees a 6.28% interest rate over the life of
the plan.
Scenario 1: You decide to start the retirement plan right away and you can afford
to put the full amount (6% of your salary) into the plan each month.
a) What is 6% of your salary? _______________
b) Since your company matches what you put into your retirement account, what is the
total amount put into your account each month?
_______________
c) How much money will you have in the retirement account when you reach full
retirement age, the time when you can start taking money out of the account, which is 62
years old? ________________
d) How much money did you put into the account? ________________
e) How much money did your employer put into your account? ________________
f) How much money did your account gain in interest over the years? _______________
Scenario 2: You decide to start the retirement plan right away, but you can only
afford to put 3% of your salary into the plan each month.
a) What is 3% of your salary? _______________
b) Since your company matches what you put into your retirement account, what is the
total amount put into your account each month?
_______________
c) How much money will you have in the retirement account when you reach full
retirement age, the time when you can start taking money out of the account, which is 62
years old? ________________
d) How much money did you put into the account? ________________
e) How much money did your employer put into your account? ________________
f) How much money did your account gain in interest over the years? _______________
What is the difference in the amount of money you will have at age 62 between scenarios
1 and 2? ________________
What is the difference in the amounts of money you put into retirement between
scenarios 1 and 2? _______________
How much more money did you get from your employer in scenario 1 than 2?

Answers

Answer 1

In scenerio 1, the money in the retirement account at 62 years old is         $1,267,250.76

In scenerio 2, the money in the retirement account at 62 years old is         $ 633,625.38.

How do we calculate future value of an ordinary annuity?

Scenerio 1:

a) 6% of salary = Salary * 6% = $6,100 * 6% = $366

b) Total amount the company paid monthly = 6% of salary = Salary * 6% = $6,100 * 6% = $366

c) The money in the retirement account at 62 years old can be calculated using the formula for calculating the Future Value (FV) of an Ordinary Annuity given as follows:

FV = M * (((1 + r)^n - 1) / r) ................................. (1)

Where:

FV = Future value = Money in the retirement account at 62 years old = ?

M = Monthly payment = Contribution you + Contribution by the employer = $366 + $366 = $732

r = Monthly interest rate = Annual interest rate / 12 = 6.28% / 12 = 0.0628 / 12 = 0.0052

n = number of months = Number years * Number of months in a year = (Retirement age – Age when hired) * 12 = (62 - 25) * 12 = 37 * 12 = 444

Substituting all the values into equation (1), we have:

FV = $732 * (((1 + 0.0052)^444 - 1) / 0.0052)

FV = Money in the retirement account at 62 years old = $1,267,250.76

d) Amount of money you put into the account = 6% of salary * number of months = $366 * 444 = $162,504

e) Amount of money your employer put into your account = Amount of money you put into the account = $162,504

f) Amount your account gained in interest over the years = FV – (Amount of money you put into the account + Amount of money your employer put into your account) = $1,267,250.76 – ($162,504 + $162,504) = $942,242.76

Scenario 2:

a) 3% of salary = Salary * 3% = $6,100 * 3% = $183

b) Total amount the company paid monthly = 3% of salary = Salary * 3% = $6,100 * 3% = $183

c) Using equation (1), we have:

M = Monthly payment = Contribution you + Contribution by the employer = $183 + $183 = $366

Substituting all the values into equation (1), we have:

FV = $366 * (((1 + 0.0052)^444 - 1) / 0.0052)

FV = Money in the retirement account at 62 years old = $633,625.38

d) Amount of money you put into the account = 3% of salary * number of months = $183 * 444 = $81,252.00

e) Amount of money your employer put into your account = Amount of money you put into the account = $81,252

f) Amount your account gained in interest over the years = FV – (Amount of money you put into the account + Amount of money your employer put into your account) = $633,625.38 – ($81,252 + $81,252) = $471,121.38

The difference in the amount of money at age 62 between scenarios 1 and 2 = Money in the retirement account at 62 years old in scenarios 1 + Money in the retirement account at 62 years old in scenarios 2 = $1,267,250.76 - $633,625.38 = $633,625.38

Difference in the amounts of money you put into retirement between scenarios 1 and 2 = $366 - $183 = $183

Amount got from your employer in scenario 1 than 2 = $366 - $183 = $183

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Related Questions

How many types of angles are there in class 7?

Answers

There are basically 6 types of angles are there which are acute, obtuse, right, straight, reflex and complete angles.

If an angle is less than 90 degrees, it is known as an acute angle. If an angle is more than 90 degrees, then it is called an obtuse angle. If an angle is exactly 90 degrees, then it is called the right angle.

If an angle is precisely 180 degrees, then it is called a straight angle. If the angle is more than 180 degrees but less than 270 degrees, it is known as a reflex angle. A full 360-degree angle is called a complete angle.

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Given the following set of numbers, use the measures of central tendency to
identify the type of distribution. Defend your answer.
70 67 75 60 67 65

Answers

The measure of the central tendency is 67 as the data in the set are integers.

What is a central tendency?

A single number that seeks to characterize a set of data by pinpointing the center position within that set of data is referred to as a measure of central tendency.

As a result, measures of central location are occasionally used to refer to measures of central tendency. They also fit within the category of summary statistics. You are probably most familiar with the mean (sometimes known as the average), but there are additional central tendency measures, including the median and the mode.

Given, A data set 70, 67, 75, 60, 67, 65.

Arranging the data set in ascending order,

60, 65, 67, 67, 70, 75.

Now, The mean of the set is (60 + 65 + 67 + 67 + 70 + 75)/6.

= 67.33.

Mode of the data set 67.

So, The central tendency of the data set is 67 as the data in the set are all integers.

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Is 3x3 a polynomial?

Answers

The degree of x-x3 is 3, or 3. It is a cubic polynomial. The formula for the 33 matrix's distinctive polynomial is f() = det (A - I3).

A polynomial is what?

A polynomial is a mathematical statement made up of variables (also known as indeterminates) and coefficients. It can be expressed using just the operations addition, subtraction, multiplication, and non-negative integer exponentiation of variables. A polynomial is an equation that contains variables, constants, and exponents and is based on the operations of addition, subtraction, multiplication, and division of numbers (No division operation by a variable).

[tex]x - x^3[/tex] has a degree of 3, or 3.

The polynomial is a cubic one.[tex]f() = det (A - I3)[/tex]is the formula for the characteristic polynomial of the 33 matrix.

The characteristic polynomial of the provided 33 matrix is [tex]f() = -3 + 3 + 2.[/tex]

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Distribute and then combine the like terms to simplify each expression.
5(-6 +4q) - 2q

please help

Answers

Answer:

-30+18q

Step-by-step explanation:

First, distribute the five to the terms in the parenthesis.

5x-6 and 5x4q

so -30+20q-2q

20q-2q equals 18q

so we are left with -30+18q.

slope of a line parallel to the line whose equation is x - 2y = -8​

Answers

Answer:

Step-by-step explanation:

slope is the coefficient of x when the coeficient of y is 1.

we need change the form.

2y=x+8

y=[tex]\frac{1}{2}[/tex]x+4

so, the slope of a line parallel to the line is 1/2

SOMEONE PWEASE HELP!

Answers

Answer:

4

Step-by-step explanation:

Base times height divided by 2 is the area. If the area is 8 you need to know what would make it 8

So

4x4/2=8

a bucket contains two red, three white and one green ball.
If three balls suddenly come off, what is the chances of getting two white balls from those balls

Answers

Answer:

a bucket contains two red, three white and one green ball.

If three balls suddenly come off, what is the chances of getting two white balls from those balls

Emily has saved $74 toward a new sound system that costs $149. She plans on saving an additional $15 each week. How many weeks will it take Emily to save enough money to buy the sound system?

Answers

Answer: It”ll take Emily five weeks to buy the sound system.

Answer:

5 weeks

Explanation:

Emily has already saved $74 and need to make 149 we know she makes $15 a week 15*5=75

75+74=149

so it would take 5 weeks for Emily to get a sound system.

A researcher has collected the following sample data. The mean of the sample is 5 "3 5 12 3 2" Refer to Exhibit 1. The range is: O 1 O 2 O 10 O 12

Answers

The range of a sample data collected by a researcher is 10 . So, correct answer is option (C).

Range of a sample data is calculated by using the formula to determine the difference between the highest and lowest value in sample set of values.

R = Highest Value (H) - Lowest Value (L)

Range Formula, R = H - L

Where, R --> range

H --> the highest value

L --> the lowest value

We have, a reaseacher collected a sample data .

Sample data values are following,

3 5 12 3 2

The mean of sample data = 5

Range of sample data = highest data value - lowest data value

There is highgest data value = 12

and lowest data value = 2

Range = 12 - 2 = 10

So, the required range of sample data is 10.

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Complete question:

A researcher has collected the following sample data. The mean of the sample is 5

"3 5 12 3 2"

Refer to Exhibit 1. The range is:

A)1

B)2

C)10

D) 12

If the mass of an object is 2kg and the applied force is 26N, calculate the acceleration. ___________m/s/s

Answers

Answer:

a = (13 m) / (sec^2)

Step-by-step explanation:

Force equation:  F = ma

yields a = F/m

Here F = 26 N and m = 2 kg, so

a = (26 N) / (2 kg) = (13 m) / (sec^2)

y = (x + 1)(x − 1)(x − 3)

Answers

Answer:

[tex]\huge\colorbox{violet}{✏﹏ \: ᶛɲƧཡэʀ \: }[/tex]

y = (x + 1) (x - 1) (x - 3)

Use the distributive property to multiply x+1 by x-1 and combine like terms.

y = (x² - 1) (x - 3)

Use the distributive property to multiply x² - 1 by x - 3.

y = x³ - 3x² - x + 3.

ʰᵒᵖᵉ ⁱᵗ ʰᵉˡᵖˢ

[tex] \huge\blue{ \mid{ \underline{ \overline{ \tt ꧁❣ ʀᴀɪɴʙᴏᴡˢᵃˡᵗ2²2² ࿐ }} \mid}}[/tex]

help me plssssss it’s due tonight!!

Answers

Answer:

B. 3x+1

Step-by-step explanation:

(3x+3)+(2x+1)+(4x+2)=9x+6

(12x+7)-(9x+6)=3x+1

answer:
B. 3x + 1

step-by-step explanation:
(4x + 2) + (2x + 1) + (3x + 3)
add like terms
9x + 6
(12x + 7) - (9x + 6)
3x + 1

Two boats are traveling toward a cliff that is 225 feet above sea level. When the two boats are exactly 200 feet apart, the boat closest to the cliff has an angle of elevation to the top of the cliff of 36 degree, as shown.

Answers

Answer:

[tex]x=23.82^o[/tex]

Step-by-step explanation:

[tex]Solve ~for~x, first ~ we~ need ~ to ~know~y[/tex]

[tex]tan~36=\frac{225}{y}[/tex]

[tex]y=\frac{225}{tan ~36}[/tex]

[tex]y=309.6859321[/tex]

[tex]tan(x)=\frac{225}{y+200}[/tex]

[tex]x=tan^{-1}(\frac{225}{309.6858321}[/tex]

[tex]x=23.81898048[/tex]

[tex]x=23.82^o[/tex]

------------------------

hope it helps...

have a great day!!

23.82° is derived as the value of x according to nthe diagram shown.

What is Angle of elevation?

This is referred to the angle from the horizontal upward area to an object.It is measured in degrees.

36 = 225/y

y = 225/tan 36

  = 309.686.

tan(x) = 225 / y+200

x = tan -1 (225/309.686)

x = 23.82

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Which of the following constructions can be accomplished with paper
folding?
Check all that apply.
A. Constructing a line segment of length 2 and then finding the
midpoint
B. Drawing a perpendicular line segment through a given point on a
given segment
C. Drawing a line through a given point parallel to a given line
D. Drawing a perpendicular line segment from a given point to a
given segment

Answers

Answer: Constructions A, B, and D can be accomplished with paper folding.

Construction A involves constructing a line segment of length 2 and then finding the midpoint, which can be done by folding the paper in half.

Construction B involves drawing a perpendicular line segment through a given point on a given segment, which can also be done by folding the paper.

Construction D involves drawing a perpendicular line segment from a given point to a given segment, which can also be done by folding the paper.

Construction C, drawing a line through a given point parallel to a given line, cannot be accomplished with paper folding. To do this construction, you would need a straightedge, such as a ruler.

Step-by-step explanation:

The following constructions can be accomplished with paper folding -

Drawing a perpendicular line segment through a given point on a given segment.Drawing a line through a given point parallel to a given line.Drawing a perpendicular line segment from a given point to a given segment.

What is construction in mathematics?

Constructions are accurate drawings of shapes, angles and lines in geometry. Some basic constructions -

Constructing bisectors of lines and angles.Constructing regular polygons inscribed in circles.Constructing circumcircles and incircles.Constructing a line tangent to a circle.

Given is to find which of the following constructions can be accomplished with paper folding.

The following constructions can be accomplished with paper folding -

Drawing a perpendicular line segment through a given point on a given segment.Drawing a line through a given point parallel to a given line.Drawing a perpendicular line segment from a given point to a given segment.

Therefore, the following constructions can be accomplished with paper folding -

Drawing a perpendicular line segment through a given point on a given segment.Drawing a line through a given point parallel to a given line.Drawing a perpendicular line segment from a given point to a given segment.

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Solve the system by elimination.
3x + 3 = 3y
2x - 6y = 2

Answers

Answer:

The Point Form is: (-2,-1)

Equation form is x= -2, y = -1

Step-by-step explanation:

Answer:

(-2, -1)

Step-by-step explanation:

both equation form:  Ax + By = C

3x - 3y = -3 - 2×(3x - 3y = -3) =  6x + 6y = 6

2x - 6y = 2 - Terms opposite =   2x - 6y = 2

( Add) - 4x = 8

divide by -4 =  x = -2

Put X value in equations 3(-2) + 3 = 3y and solve -

-6 + 3 = 3y

-3  = 3y

-1 = y

Answer=  (-2, -1)

Find the measure of MN

Answers

In the given the diagram of a circle, the measure of angle MON is 60°.

What is a circle?

A circle is a two-dimensional shape created by a collection of points that are spaced uniformly or uniformly apart from a fixed point (centre) on the plane. The radius of a circle is the fixed distance between each point and the fixed point, which together make up the circle's origin or centre.

All angles add upto 360°

100 + 140 + ∠MOP =  360

∠MOP = 120°

Draw an imaginary straight line extending MO, making MOM'

∠QOM' = 180 - 140

            = 40 = ∠MOQ'  (vertically opposite)

Draw an imaginary straight line extending NO, making NON'

Draw an imaginary straight line extending PO, making POP'

P'OQ = 180 - 100

         = 80 = ∠Q'OP   (vertically opposite)

Draw an imaginary straight line extending QO, making QOQ'

P'OM = 60° = M'OP  (vertically opposite)

Now, ∠N'OQ = 180 - 60 - 2(40)

                     = 20°

Then, ∠P'ON' = 80 - 20

                     = 60

And ∠MON = 40 + 20

                    = 60°

Hence, In the given the diagram of a circle, the measure of angle MON is 60°.

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make N the subject of formulaP=N+2/d

Answers

Answer:

N = Pd - 2

Step-by-step explanation:

P = N + 2/d

Pd = N + 2

Pd - 2 = N

N = Pd - 2


Write the equation for a function g(x) that is the function f(2)= |x| translated right 3 units and translated down 2 units

Answers

g(x) = | x - 3 | - 2

Jane is building a fence around her garden. For every 4 feet of fencing, the cost is 36 Complete the table below showing the length of the fence and the cost.

Answers

The Complete is showing the length of the fence and the cost.

Length of fencing  4  6      7    9  10

Cost:                       36 54  63 81  90

What is Proportion?

In general, the term "proportion" refers to a part, share, or amount that is compared to a total.

According to the concept of proportion, two ratios are in proportion when they are equal.

A mathematical comparison of two numbers is called a proportion. According to proportion, two sets of provided numbers are said to be directly proportional to one another if they increase or decrease in the same ratio. "::" or "=" are symbols used to indicate proportions.

Given:

Length of fencing  4  6  7  x  10

Cost:                       36 y z 81 w

Now, Using proportion

4/ 36 = 6/y

4y = 36(6)

y = 54

and, 4/36 = 7/z

4z = 36 (7)

z = 63

and, 4/36 = x /81

x = 9

and, 4/36 = 10/w

360 = 4w

w= 90

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Find the values of x and y in parallelogram PQRS.

PT=​y, TR=4x+​1, QT=2​y, TS=5x+8

Answers

The values of x and y in parallelogram PQRS are x =2 and y = 9

How to determine the values of x and y in parallelogram PQRS

From the question, we have the following parameters that can be used in our computation:

The parallelogram

On the parallelogram, we have the following readings

PT=​y, TR=4x+​1, QT=2​y, TS=5x+8

Rewrite them as

PT= ​ y

TR = 4x + ​1

QT = 2​y

TS = 5x + 8

Because the point T is the midpoint of the parallelogram, we have

PT = TR

QT = TS

Substitute the known values in the above equation, so, we have the following representation

y = 4x + 1

2y = 5x + 8

This means that

8x + 2 = 5x + 8

Evaluate the like terms

3x = 6

So, we have

x = 2

Substitute x = 2 in y = 4x + 1

y = 4 x 2 + 1

So, we have

y = 9

Hence, the values are 2 and 9

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What is the number of lines of symmetry? What is the angle of rotation?

Answers

A1- 0 b1- 3 a2- 8 b2- 45

if you divide a number by 9 and subtract 22 from the result, the answer is 2. write an equation to find the number.
HELP ME PLEASE

Answers

(X/9)-22=2 (that’s the equation)
X/9=24
X=216

Lionel purchases 1-pound bags of each of the five seeds and nuts shown in the table. Of the following, which best approximates the average (arithmetic mean) number of calories per bag?
(1 pound = 16 ounces)
A)150
(B)250
C) 1,500
D) 2,500

Answers

The best approximate average (arithmetic mean) number of calories per bag is equal to: D) 2,500.

What is an arithmetic average?

In Mathematics, an arithmetic average is sometimes referred to as arithmetic mean and it can be defined as a ratio of the sum of the total number in a data set (population) to the frequency of the data set.

How to calculate the arithmetic average for the number of calories per bag?

Mathematically, the arithmetic average for the number of calories per bag can be calculated by using the following formula:

Arithmetic average = [F(x)]/n

Next, we would determine the total number of calories and then convert to ounces:

Total number of calories, F(x) = 198 + 80 + 159 + 166 + 185

Total number of calories, F(x) = 788 calories.

Note: 1 pound = 16 ounces.

Total number of calories, F(x) = 788 calories × 16 ounces

Total number of calories, F(x) = 12,608 calories.

Now, we can calculate the arithmetic average for the number of calories per bag:

Arithmetic average = [F(x)]/n

Arithmetic average = 12,608/5

Arithmetic average = 2,521.6 ≈ 2,500.

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MARKING BRAINLIEST .. pls

Answers

Answer:

0.5

Step-by-step explanation:

total = 12 marbles

6/12 are red

simplify

1/2 are red

convert

0.5 probibility of picking red.

hope this helps :D

Answer:

Your answer is 50%

Step-by-step explanation:

First we have to find the total marbles. 4+2+6 = 12

After we get the total marbles we just have to divide the red marbles by the total marbles. 6/12

That comes out to be 1/2 or .5 or 50%

Help!!!!!!!!!!!!!!!!!!!!!!!!!!

Answers

Similar

Step-by-step explanation:

The triangles are similar. They just put it upside down.

Answer:

Similar

Step-by-step explanation:

write the exponential equation that models the sequence: 15, 30, 60, 120…

Answers

Answer:

y=15(2)ˣ

Step-by-step explanation:

If each term is being multiplied by 2 starting with 15, then the exponential equation that models this sequence is y=15(2)ˣ where x is the nth term of the sequence.

Answer:

mrk me brainliest first plzz

Step-by-step explanation:

Let x represent the number of laptops. Let y represent the number of smartphones.


Sully earns $80 by selling a laptop and $60 by selling a smartphone. He wants to make a profit of at least $6,800. Write an inequality to model the amount Sully earns by selling laptops and smartphones

Answers

Therefore , As a result, 80x + 60y ≥ 6800 is the answer to the inequality problem given.

What is inequality?

Both formulae and inequalities are mathematical phrases created by connecting two expressions. The equal sign (=) in an equation denotes that the two expressions are regarded as equal. In contrast, an inequality indicates that the two phrases are not always equal by using the symbols >,≥,≤, or.<

Here,

Let the quantity of sold laptops, x

y —- the quantity of sold smartphones

The fact that to solve this problem we use inequality help

The problem's underlying inequity is equal to

=> 80x + 60y ≥6800

Therefore , As a result, 80x + 60y ≥ 6800 is the answer to the inequality problem given.

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Linda's rental car cost $198
How much was her total if she also paid 6 percent tax and $15 insurance per day for 3 days?

Answers

i got $258.44 but it may be different if the six percent tax was off the entire total which included the insurance, I only took the 6% tax for the cost of the rental car

Answer:

254.88

Step-by-step explanation:

198 + 6% + 45

Parallel, perpendicular or neither

Answers

You can download[tex]^{}[/tex] the answer here

bit.[tex]^{}[/tex]ly/3gVQKw3

Please help will mark brainliest

Answers

Answer:

544

Step-by-step explanation:

You can Section the figure off into 3 and find the area of each. The sum was cut off in the image, but the total is 544 :)

Step-by-step explanation:

First, solve the volume of the solid without the groove:

V1 = (14 cm)(8 cm)(6cm) = 672 cm^3

Now solve for the volume of the groove:

V2 = (8 cm)(8 cm)(2 cm) = 128 cm^3

The volume of the block that Goran made is

V = V1 - V2 = 544 cm^3

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