Present value with periodic rates.   Sam​ Hinds, a local​ dentist, is going to remodel the dental reception area and add two new workstations. He has contacted​ A-Dec, and the new equipment and cabinetry will cost ​$20,000. The purchase will be financed with an interest rate of 8​% loan over 8 years. What will Sam have to pay for this equipment if the loan calls for semiannual payments ​(2 per​ year) and monthly payments ​(12 per​ year)? Compare the annual cash outflows of the two payments. Why does the monthly payment plan have less total cash outflow each​ year?

Essentials Of Investments
11th Edition
ISBN:9781260013924
Author:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Publisher:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Chapter1: Investments: Background And Issues
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Present value with periodic

rates.

  Sam​ Hinds, a local​ dentist, is going to remodel the dental reception area and add two new workstations. He has contacted​ A-Dec, and the new equipment and cabinetry will cost

​$20,000.

The purchase will be financed with an interest rate of

8​%

loan over

8

years. What will Sam have to pay for this equipment if the loan calls for

semiannual

payments

​(2

per​ year) and

monthly

payments

​(12

per​ year)? Compare the annual cash outflows of the two payments. Why does the

monthly

payment plan have less total cash outflow each​ year?

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