Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
qxd
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Page i
Jeffrey Slater
North Shore Community College
Danvers, Massachusetts
Sharon M. Wittry
Pikes Peak Community College
Colorado Springs, Colorado
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www.mhhe.com
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 1
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 2
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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9:29 PM
TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 3
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 4
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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9:29 PM
TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 5
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 6
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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9:29 PM
TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 7
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 8
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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9:29 PM
TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 9
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 10
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
10
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 11
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
11
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 12
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
12
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 13
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
13
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 14
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
14
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 15
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
15
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 16
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
16
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 17
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
17
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 18
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
18
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 19
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
19
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
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TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
20
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 21
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
21
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 22
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
22
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 23
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
23
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
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Page 24
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
24
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 25
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
25
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
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Page 26
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
26
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 27
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
27
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
sLa33801_hndbk_001-046.qxd
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
9:29 PM
Page 28
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
28
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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9:29 PM
TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
Page 29
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
29
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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TABLE 12-1
COMPOUND
VALUE
PERIOD
OF $1
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Page 30
TABLE 12-3
PRESENT
VALUE
OF $1
TABLE 13-1
AMOUNT OF
ANNUITY
OF $1
30
TABLE 13-2
PRESENT VALUE
OF ANNUITY
OF $1
TABLE 13-3
SINKING
FUND VALUE
OF $1
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Currencies
1/3/2012
Country/currency
Fri
in US$
per US$
US$ vs,
YTD chg
(%)
Country/currency
Americas
Argentina peso*
Brazil real
Canada dollar
Chile peso
Colombia peso
Ecuador US dollar
Mexico peso*
Peru new sol
Uruguay peso
Venezuela b. fuerte
1-mos forward
3-mos forward
6-mos forward
China yuan
Hong Kong dollar
India rupee
Indonesia rupiah
Japan yen
1-mos forward
3-mos forward
6-mos forward
Malaysia ringgit
New Zealand dollar
Pakistan rupee
Philippines peso
Singapore dollar
South Korea won
Taiwan dollar
Thailand baht
Vietnam dong
US$ vs,
YTD chg
(%)
Europe
.2321
.5360
.9794
.001924
.0005153
1
.0717
.3709
.05047
.229885
4.3089
1.8657
1.0210
519.86
1940.50
1
13.9461
2.696
19.8130
4.3500
8.6
12.3
2.6
11.1
1.1
unch
13.1
3.9
1.9
unch
1.0208
1.0170
1.0107
1.0024
.1583
.1288
.01886
.0001107
.013001
.013008
.013025
.013054
.3147
.7776
.01113
.0228
.7713
.0008616
.03304
.03165
.00004753
.9796
.9832
.9894
.9976
6.3190
7.7669
53.025
9033
76.92
76.88
76.78
76.60
3.1775
1.2860
89.845
43.850
1.2965
1160.60
30.265
31.600
21038
0.3
0.2
0.1
0.2
4.3
0.1
18.3
1.6
5.2
5.5
5.6
5.6
5.1
0.3
4.9
0.3
1.1
5.6
4.2
7.3
8.2
1-mos forward
3-mos forward
6-mos forward
Turkey lira**
Asia-Pacific
Australian dollar
Fri
in US$
per US$
UK pound
1-mos forward
3-mos forward
6-mos forward
.05063
.1743
1.2960
.004113
.1673
.2901
.03110
.1453
1.0670
1.0675
1.0691
1.0718
.5217
1.5542
1.5537
1.5528
1.5513
19.751
5.7373
.7716
243.14
5.9766
3.4470
32.150
6.8800
.9372
.9368
.9354
.9330
1.9170
.6434
.6436
.6440
.6446
5.8
3.1
3.3
17.7
2.6
16.9
5.2
2.6
0.2
0.2
0.2
0.1
23.5
0.4
0.4
0.4
0.4
2.6520
.1653
.2624
1.4095
3.5945
.0006645
.2666
.1237
.2722
.3771
6.0498
3.8110
.7095
.2782
1504.95
3.7504
8.0873
3.6731
unch
6.3
7.8
0.1
1.3
0.4
unch
22.2
unch
Middle East/Africa
Bahrain dinar
Eqypt pound*
Israel shekel
Jordan dinar
Kuwait dinar
Lebanon pound
Saudi Arabia riyal
South Africa rand
UAE dirham
*Floating rate Financial
**Commercial rate
Source: ICAP plc.
31
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One Withholding
Allowance
Payroll Period
Weekly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Biweekly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Semimonthly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Monthly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Quarterly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Semiannually . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Annually . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Daily or miscellaneous (each day of the payroll period) . . . .
32
73.08
146.15
158.33
316.67
950.00
1,900.00
3,800.00
14.62
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Over
Over
But not over
$156
$490
...
$490
$1,515
...
$1,515
$2,900
...
$2,900
$4,338
...
$4,338
$7,624
...
$7,624 . . . . . . . . . . . . . . . . .
of excess over
$0.00 plus 10%
$41
$16.80 plus 15%
$209
$93.60 plus 25%
$721
$335.35 plus 28%
$1,688
$836.27 plus 33%
$3,477
$2,167.16 plus 35%
$7,510
of excess over
$0.00 plus 10%
$156
$33.40 plus 15%
$490
$187.15 plus 25%
$1,515
$533.40 plus 28%
$2,900
$936.04 plus 33%
$4,338
$2,020.42 plus 35%
$7,624
Over
Over
But not over
$312
$981
...
$981
$3,031
...
$3,031
$5,800
...
$5,800
$8,675
...
$8,675
$15,248
...
$15,248 . . . . . . . . . . . . . . . . .
of excess over
$0.00 plus 10%
$83
$33.40 plus 15%
$417
$187.15 plus 25%
$1,442
$670.90 plus 28%
$3,377
$1,672.46 plus 33%
$6,954
$4,333.91 plus 35% $15,019
of excess over
$0.00 plus 10%
$312
$66.90 plus 15%
$981
$374.40 plus 25%
$3,031
$1,066.65 plus 28%
$5,800
$1,871.65 plus 33%
$8,675
$4,040.74 plus 35% $15,248
Over
Over
But not over
$338
$1,063
...
$1,063
$3,283
...
$3,283
$6,283
...
$6,283
$9,398
...
$9,398
$16,519
...
$16,519 . . . . . . . . . . . . . . . . .
of excess over
$0.00 plus 10%
$338
$72.50 plus 15%
$1,063
$405.50 plus 25%
$3,283
$1,155.50 plus 28%
$6,283
$2,027.70 plus 33%
$9,398
$4,377.63 plus 35% $16,519
Over
But not over
$179
$904
...
$904
$3,125
...
$3,125
$7,317
...
$7,317
$15,067
...
$15,067
$32,542
...
$32,542. . . . . . . . . . . . . . . . . .
Over
But not over
$675
$2,125
...
$2,125
$6,567
...
$6,567
$12,567
...
$12,567
$18,796
...
$18,796
$33,038
...
$33,038 . . . . . . . . . . . . . . . . .
of excess over
$0.00 plus 10%
$179
$72.50 plus 15%
$904
$405.65 plus 25%
$3,125
$1,453.65 plus 28%
$7,317
$3,623.65 plus 33% $15,067
$9,390.40 plus 35% $32,542
33
of excess over
$0.00 plus 10%
$675
$145.00 plus 15%
$2,125
$811.30 plus 25%
$6,567
$2,311.30 plus 28% $12,567
$4,055.42 plus 33% $18,796
$8,755.28 plus 35% $33,038
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Page 34
But less
than
$ 610
620
630
640
650
660
670
680
690
700
710
720
730
740
750
760
770
780
790
800
810
820
830
840
850
860
870
880
890
900
910
920
930
940
950
960
970
980
990
1,000
1,010
1,020
1,030
1,040
1,050
1,060
1,070
1,080
1,090
1,100
1,110
1,120
1,130
1,140
1,150
1,160
1,170
1,180
1,190
1,200
1,210
1,220
1,230
1,240
1,250
10
$ 5
6
7
8
9
10
11
12
13
14
15
16
17
19
20
22
23
25
26
28
29
31
32
34
35
37
38
40
41
43
44
46
47
49
50
52
53
55
56
58
59
61
62
64
65
67
68
70
71
73
74
76
77
79
80
82
83
85
86
88
89
91
92
94
97
$ 0
0
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
20
21
23
24
26
27
29
30
32
33
35
36
38
39
41
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
65
66
68
69
71
72
74
75
77
78
80
81
83
84
$ 0
0
0
0
0
0
0
0
0
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
20
21
23
24
26
27
29
30
32
33
35
36
38
39
41
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
65
66
68
69
71
72
74
$ 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
21
22
24
25
27
28
30
31
33
34
36
37
39
40
42
43
45
46
48
49
51
52
54
55
57
58
60
61
63
$ 65
67
68
70
71
73
74
76
77
79
80
82
83
85
86
88
89
91
92
94
96
99
101
104
106
109
111
114
116
119
121
124
126
129
131
134
136
139
141
144
146
149
151
154
156
159
161
164
166
169
171
174
176
179
181
184
186
189
191
194
196
199
201
204
206
$ 54
56
57
59
60
62
63
65
66
68
69
71
72
74
75
77
78
80
81
83
84
86
87
89
90
92
93
96
98
101
103
106
108
111
113
116
118
121
123
126
128
131
133
136
138
141
143
146
148
151
153
156
158
161
163
166
168
171
173
176
178
181
183
186
188
$ 43
45
46
48
49
51
52
54
55
57
58
60
61
63
64
66
67
69
70
72
73
75
76
78
79
81
82
84
85
87
88
90
91
93
95
97
100
102
105
107
110
112
115
117
120
122
125
127
130
132
135
137
140
142
145
147
150
152
155
157
160
162
165
167
170
$ 32
34
35
37
38
40
41
43
44
46
47
49
50
52
53
55
56
58
59
61
62
64
65
67
68
70
71
73
74
76
77
79
80
82
83
85
86
88
89
91
92
94
96
99
101
104
106
109
111
114
116
119
121
124
126
129
131
134
136
139
141
144
146
149
151
34
$ 21
23
24
26
27
29
30
32
33
35
36
38
39
41
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
65
66
68
69
71
72
74
75
77
78
80
81
83
84
86
87
89
90
92
93
96
98
101
103
106
108
111
113
116
118
121
123
126
128
131
133
$ 13
14
15
16
17
18
19
21
22
24
25
27
28
30
31
33
34
36
37
39
40
42
43
45
46
48
49
51
52
54
55
57
58
60
61
63
64
66
67
69
70
72
73
75
76
78
79
81
82
84
85
87
88
90
91
93
95
97
100
102
105
107
110
112
115
sLa33801_hndbk_001-046.qxd
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But less
than
$800
810
820
830
840
850
860
870
880
890
900
910
920
930
940
950
960
970
980
990
1,000
1,010
1,020
1,030
1,040
1,050
1,060
1,070
1,080
1,090
1,100
1,110
1,120
1,130
1,140
1,150
1,160
1,170
1,180
1,190
1,200
1,210
1,220
1,230
1,240
1,250
1,260
1,270
1,280
1,290
1,300
1,310
1,320
1,330
1,340
1,350
1,360
1,370
1,380
1,390
$810
820
830
840
850
860
870
880
890
900
910
920
930
940
950
960
970
980
990
1,000
1,010
1,020
1,030
1,040
1,050
1,060
1,070
1,080
1,090
1,100
1,110
1,120
1,130
1,140
1,150
1,160
1,170
1,180
1,190
1,200
1,210
1,220
1,230
1,240
1,250
1,260
1,270
1,280
1,290
1,300
1,310
1,320
1,330
1,340
1,350
1,360
1,370
1,380
1,390
1,400
$ 81
82
84
85
87
88
90
91
93
94
96
97
99
100
102
103
105
106
108
109
111
112
114
115
117
118
120
121
123
124
126
127
129
130
132
133
135
136
138
139
141
142
144
145
147
148
150
151
153
154
156
157
159
160
162
163
165
166
168
169
$ 70
71
73
74
76
77
79
80
82
83
85
86
88
89
91
92
94
95
97
98
100
101
103
104
106
107
109
110
112
113
115
116
118
119
121
122
124
125
127
128
130
131
133
134
136
137
139
140
142
143
145
146
148
149
151
152
154
155
157
158
$ 59
60
62
63
65
66
68
69
71
72
74
75
77
78
80
81
83
84
86
87
89
90
92
93
95
96
98
99
101
102
104
105
107
108
110
111
113
114
116
117
119
120
122
123
125
126
128
129
131
132
134
135
137
138
140
141
143
144
146
147
$ 48
49
51
52
54
55
57
58
60
61
63
64
66
67
69
70
72
73
75
76
78
79
81
82
84
85
87
88
90
91
93
94
96
97
99
100
102
103
105
106
108
109
111
112
114
115
117
118
120
121
123
124
126
127
129
130
132
133
135
136
10
$ 14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
37
38
40
41
43
44
46
47
49
50
52
53
55
56
58
59
61
62
64
65
67
68
70
71
73
74
76
77
79
80
82
83
85
86
88
89
91
92
$ 6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
35
36
38
39
41
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
65
66
68
69
71
72
74
75
77
78
80
81
$ 0
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
35
36
38
39
41
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
65
66
68
69
71
$ 0
0
0
0
0
0
0
0
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
36
37
39
40
42
43
45
46
48
49
51
52
54
55
57
58
60
35
$ 28
29
30
31
32
33
35
36
38
39
41
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
65
66
68
69
71
72
74
75
77
78
80
81
83
84
86
87
89
90
92
93
95
96
98
99
101
102
104
105
107
108
110
111
113
114
$ 21
22
23
24
25
26
27
28
29
30
31
32
33
34
36
37
39
40
42
43
45
46
48
49
51
52
54
55
57
58
60
61
63
64
66
67
69
70
72
73
75
76
78
79
81
82
84
85
87
88
90
91
93
94
96
97
99
100
102
103
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312 %
5%
521 %
612 %
7%
721 %
10
12
15
17
20
22
25
30
35
9.89
8.52
7.15
6.52
5.80
5.44
5.01
4.50
3.99
10.61
9.25
7.91
7.29
6.60
6.20
5.85
5.37
5.05
10.86
9.51
8.18
7.56
6.88
6.51
6.15
5.68
5.38
11.36
10.02
8.72
8.12
7.46
7.13
6.76
6.33
6.05
11.62
10.29
8.99
8.40
7.76
7.44
7.07
6.66
6.39
11.88
10.56
9.28
8.69
8.06
7.75
7.39
7.00
6.75
Interest
8%
821 %
12.14
10.83
9.56
8.99
8.37
8.07
7.72
7.34
7.11
12.40
11.11
9.85
9.29
8.68
8.39
8.06
7.69
7.47
9%
912 %
10%
1012 %
11%
1112 %
12.67
11.39
10.15
9.59
9.00
8.72
8.40
8.05
7.84
12.94
11.67
10.45
9.90
9.33
9.05
8.74
8.41
8.22
13.22
11.96
10.75
10.22
9.66
9.39
9.09
8.78
8.60
13.50
12.25
11.06
10.54
9.99
9.73
9.45
9.15
8.99
13.78
12.54
11.37
10.86
10.33
10.08
9.81
9.53
9.37
14.06
12.84
11.69
11.19
10.67
10.43
10.17
9.91
9.77
Term
in years
1134 %
12%
1221 %
1243 %
13%
Interest
1321 %
1343 %
14%
1421 %
1443 %
15%
1512 %
10
12
15
17
20
22
25
30
35
14.21
12.99
11.85
11.35
10.84
10.61
10.35
10.10
9.96
14.35
13.14
12.01
11.52
11.02
10.78
10.54
10.29
10.16
14.64
13.44
12.33
11.85
11.37
11.14
10.91
10.68
10.56
14.79
13.60
12.49
12.02
11.54
11.33
11.10
10.87
10.76
14.94
13.75
12.66
12.19
11.72
11.51
11.28
11.07
10.96
15.23
14.06
12.99
12.53
12.08
11.87
11.66
11.46
11.36
15.53
14.38
13.32
12.88
12.44
12.24
12.04
11.85
11.76
15.83
14.69
13.66
13.23
12.80
12.62
12.43
12.25
12.17
15.99
14.85
13.83
13.41
12.99
12.81
12.62
12.45
12.37
16.14
15.01
14.00
13.58
13.17
12.99
12.81
12.65
12.57
16.45
15.34
14.34
13.94
13.54
13.37
13.20
13.05
12.98
45
15.38
14.22
13.15
12.71
12.26
12.06
11.85
11.66
11.56
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46