Let's assume you took out a $300,000, 30-year mortgage with an annual interest rate of 8% and monthly payments of $2,201.29. Because you have made 15 years worth of payments (that's 180 monthly payments = [15 x 12]) there are another 180 monthly payments left before your mortgage will be totally paid off. How much do you still owe on your mortgage? %3D

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Market Efficiency

Market efficiency refers to the market's ability to provide investors with all available information about investment options for buying and selling securities. Market efficiency reflects the true value of securities without undervaluing or overvaluing them. When the quality and quantity of information increase, the market becomes more efficient, allowing it to reduce arbitrage and obtain higher market returns from investment. In a well-functioning market, everyone receives all information completely and immediately at no cost. It opens up a plethora of opportunities for investors to access various investment options.