You are planning to save for retirement over the next 20 years. To do this, you will invest $900 a month in a stock account and $600 a month in a bond account. The return of the stock account is expected to be 9 percent, and the bond account will pay 5 percent. When you retire, you will combine your money into an account with a return of 7 percent.

How much can you withdraw each month from your account assuming a 20-year withdrawal period?

Multiple Choice

a)$78,868.22

b)$6,572.35

c)$373,037.17

d)$6,440.9

e)$6,703.8

1. You have plenty of cash to invest. You are considering an investment of $125,000 in a project which is expected to earn $14425 a year for ten years. Is it an attractive investment if your minimum expected annual rate of return is 5% (compound interest)? Calculate the expected annual rate of return (R) of the project. (6 points) NO TABLE

Compare and contrast spin recovery procedures for

Cessna 150 and

T-37 What makes the recoveries different for each aircraft?

Suppose astronomers were to discover a new comet at an aphelion of 40.0 AU, with a transverse velocity of v₀= 941 m/s

What

The neo-classical growth model emphasizes two determinants of intensive growth (ie. growth in output per person).  Write a concise essay in which you explain the operation of the neo-classical growth model and the role played by the two key determinants of growth within the model.

Halley's comet, which passes around the Sun every 76 years, has an elliptical orbit. When closest to the Sun (perihelion) it is at a distance of 8.823

Interpret these correlation coefficients:

•r = -0.84 between total mileage and car resale value

•r = 0.03 between anxiety level and college GPA

•r = 0.56 between age of schoolchildren and reading comprehension

You are working in an area that has been contaminated by heavy metals, what plant-based strategy will you try to remediate the soil so that you can later create a park?

1. Treatment with which of the following in neonatal (newborn) male rats would most likely lead to normal defeminization and masculinization of sexual behavior? (Assume that in adulthood all males are treated with testosterone and tested with a female.)

-Androgen receptor antagonist

-Estrogen receptor antagonist

-Alpha-fetoprotein inhibitor

-Aromatase inhibitor

-Castration

2. Phoenix et al.’s 1959 paper showed for the first time that...

-Androgen exposure during early life affects sexual behavior in adulthood.

-Estrogen exposure during early life affects sexual behavior in adulthood.

-Androgen exposure during adulthood affects sexual behavior in adulthood.

-Estrogen exposure during adulthood affects sexual behavior in adulthood.

-Pregnant females treated with androgens produce hermaphroditic offspring.

3. Which of the following is true of organizational effects on the brain in both rats and primates?

-Sexual differentiation of the brain mostly occurs before birth.

-Masculinization of the brain requires the presence of gonadal steroids.

-Feminization of the brain requires the presence of gonadal steroids.

- Masculinization of the brain requires aromatization of androgens to estrogens.

Femalesareprotectedfrommasculinizationbyalpha-fetoprotein.

Alleles for Sickle Cell Anemia occur at higher rates in some populations compared to others. Here, please explain what Sickle Cell Anemia is, how it is inherited, and why in spite of any negative side effects has it persisted as a trait among humans. Be as detailed as possible. You may even include a punnet square in your answer.

In C++

First create the txt file given below. Then complete the main that is given. There are comments to help you. An output is also given You can assume that the file has numbers in it

Create this text file: data1.txt

-59 -33 34 0 69 24 -22 58 62 -36 
5 45 -19 -73 62 -5 95 42 

Main

#include <iostream>
#include <fstream>
#include <string>
#include <iomanip>
using namespace std;

const int MAXSIZE = 100;

// Prototypes





int main()
{
    int nums[MAXSIZE];
    int searchFor;
    int indexFound = -1;
    int numElems;
    double average;
    string fileName;
    char again;

    do
    {

        cout << "Enter the file name: ";
        cin >> fileName;

        // Call the function fillArray. It has the fileName, the nums array and
        // the numElem passed in (in that order). It will calculate the numElems
        // Description of function given below



        // Call the function printArray. It has the nums array and
        // the numElem passed in (in that order). 
        // Description of function given below





        // Call the function findAverage. It has the nums array and
        // the numElem passed in (in that order). It stores the value
        // that is returned in the average variable declared above.
        // Description of function given below




        // Asks the user what number they want to search for
        cout << endl << endl;
        cout << "Enter a number between -100 and 100 to search for: ";
        cin >> searchFor;

        // Call the function findValue. It has the number being searched for
        // the nums array and the numElem passed in (in that order). 
        // It stores the index of the position in the array where the 
        // number was found in the indexFound variable declared above.
        // Description of function given below



        // Right the if statement to print whether the number was found.
        // If it was found, it will print the inde of where it was found.
        // (See output for what should be printed






        cout.setf(ios:: fixed);
        cout.precision(2);
        cout << "The average of all the numbers in the array is " << average << endl;
        cout << endl;
        cout << "Do you want to do this again? (Y/N): ";
        cin >> again;
    } while (toupper (again) == 'Y');
    return 0;
}



// Function: findValue
// This function has the value being serachedd for, the array and the number of 
// elements passed in. I searches the array and when it first finds it, it
// stops searching and returns the index of where it was found. If it is not 
// in the array, it returns a -1






// Function: findAverage
// This function has the array and the number of elements passed in.
// It computes the average of the numbers in the array and returns it.






// Function: printArray
// This function has the array and the number of elements passed in.
// It prints the array in neat columns, with 7 numbers per line







// Function: fillArray
// This function should open the file with the name that passed into it. If the file does
// not open correctly it should exit the program. It should
// then read in the numbers and load them into the array. 
// make sure you check that you don't exceed the array size.
// If the file has too many numbers, your program should not put the 
// extra numbers in the array, the array will just be full.
// This function determines the number of elements in the array.
// This function should not call any other user defined functions.

Sample Output

Enter the file name: data.txt
    -59    -33     34      0     69     24    -22
     58     62    -36      5     45    -19    -73
     62     -5     95     42

Enter a number between -100 and 100 to search for: 62
62 was found in index 8
The average of all the numbers in the array is 13.83

Do you want to do this again? (Y/N): Y
Enter the file name: data1.txt
    -59    -33     34      0     69     24    -22
     58     62    -36      5     45    -19    -73
     61     -9     95     42    -73    -64     91
    -96      2     53     -8     82    -79     16
     18     -5    -53     26     71     38    -31
     12    -33     -1    -65     -6      3    -89
     22     33    -27    -36     41     11    -47
    -32     47    -56    -38     57    -63    -41
     23     41     29     78     16    -65     90
    -58    -12      6    -60     42    -36    -52
    -54    -95    -10     29     70     50    -94
      1     93     48    -71    -77    -16     54
     56    -60     66     76     31      8     44
    -61    -74     23     37     38     18    -18
     29     41

Enter a number between -100 and 100 to search for: 52
The number 52 was not found in the array
The average of all the numbers in the array is 1.48

Do you want to do this again? (Y/N): y
Enter the file name: data.txt
    -59    -33     34      0     69     24    -22
     58     62    -36      5     45    -19    -73
     62     -5     95     42

Enter a number between -100 and 100 to search for: 95
95 was found in index 16
The average of all the numbers in the array is 13.83

Do you want to do this again? (Y/N): n

Cute Camel Woodcraft Company is a small firm, and several of its managers are worried about how soon the firm will be able to recover its initial investment from Project Sigma’s expected future cash flows. To answer this question, Cute Camel’s CFO has asked that you compute the project’s payback period using the following expected net cash flows and assuming that the cash flows are received evenly throughout each year.

Complete the following table and compute the project’s conventional payback period. For full credit, complete the entire table. (Note: Round the conventional payback period to two decimal places. If your answer is negative, be sure to use a minus sign in your answer.)

The conventional payback period ignores the time value of money, and this concerns Cute Camel’s CFO. He has now asked you to compute Sigma’s discounted payback period, assuming the company has a 9% cost of capital. Complete the following table and perform any necessary calculations. Round the discounted cash flow values to the nearest whole dollar, and the discounted payback period to two decimal places. For full credit, complete the entire table. (Note: If your answer is negative, be sure to use a minus sign in your answer.)

Which version of a project’s payback period should the CFO use when evaluating Project Sigma, given its theoretical superiority?

The discounted payback period

The regular payback period

One theoretical disadvantage of both payback methods—compared to the net present value method—is that they fail to consider the value of the cash flows beyond the point in time equal to the payback period.

How much value in this example does the discounted payback period method fail to recognize due to this theoretical deficiency?

$4,928,461

$1,763,323

$1,351,321

$3,186,183