Suppose that five years ago, you borrowed $260,000 to purchase your first home. Terms of the loan required monthly payments over 30 years at an interest rate of 6%. Since then, interest rates have decreased to 3.5%. As such, you want to refinance this loan. If you refinance this loan at the current rate for the remaining period (25 years), how much will you save per month in your monthly payment

Regarding competitive strategies, advertising is used in which strategy? a. global operations b. focused differentiation c. differentiation d. low-cost leadership

Explain how can you avoid conflict by adjusting

Variable rate cd’s = $90 treasury bills = $150 discount loans = $20 treasury notes = $100 fixed rate cds = $160 money market deposit accts. = $140 savings deposits = $90 fed funds borrowing = $40 variable rate mortgage loans $140 demand deposits = $40 primary reserves = $50 fixed rate loans = $210 fed funds lending = $50 equity capital = $120 a. develop a balance sheet from the above data. be sure to divide your balance sheet into rate-sensitive assets and liabilities as we did in class and in the examples. b. perform a standard gap analysis and a duration analysis using the above data if you have a 1.15% decrease in interest rates and an average duration of assets of 5.4 years and an average duration of liabilities of 3.8 years. c. indicate if this bank will remain solvent after the valuation changes. if so, indicate the new level of equity capital after the valuation changes. if not, indicate the amount of the shortage in equity capital.