A loan has an APR of 8.5 percent and an EAR of 8.5 percent. Given this, the loan must:
A. have a one-year term.
B. have a zero percent interest rate.
C. charge interest annually.
D. must be an interest-only loan.
E. require the accrued interest be paid in full with each monthly payment.
You are comparing two possible capital structures for a firm. The first option is an
all-equity firm. The second option involves the use of $3.8 million of debt. The
break-even point between these two financing options occurs when the earnings before
interest and taxes (EBIT) are $428,000. Given this, you know that leverage is beneficial
to the firm:
A. whenever EBIT is less than $428,000.
B. only when EBIT is $428,000.
C. whenever EBIT exceeds $428,000.
D. only if the debt is decreased by $428,000.
E. only if the debt is increased by $428,000.
Travis is buying a car and will finance it with a loan that requires monthly payments of
$265 for the next four years. His car payments can be described by which one of the