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On January 1, 2017, Eagle borrows $19,000 cash by signing a four-year, 8% instal

ID: 2575115 • Letter: O

Question

On January 1, 2017, Eagle borrows $19,000 cash by signing a four-year, 8% installment note. The note requires four equal total payments of accrued interest and principal on December 31 of each year from 2017 through 2020. (Table B.1, Table B.2, Table B.3, and Table B.4) (Use appropriate factor(s) from the tables provided.)

Prepare an amortization table for this installment note.

Payments (A) (B) (C) (D) (E) Period Ending Beginning Debit Interest Debit Notes Credit Ending Date Balance Expense Payable Cash Balance 2015 2016 2017 2018 Total $0 $0

Explanation / Answer

Amortization table

(A)

(B) = (A)*8%

(C) = (A+B)

(D) = equal installment calculated above

(E) = (C-D)

Period

Beginning balance

Interest expense
(Beginning balance *8%)

Notes payable

cash credit

Ending balance

2015

$19,000.00

$1,520.00

$20,520.00

$5,736.50

$14,783.50

2016

$14,783.50

$1,182.68

$15,966.18

$5,736.50

$10,229.68

2017

$10,229.68

$818.37

$11,048.05

$5,736.50

$5,311.55

2018

$5,311.55

$424.92

$5,736.48

$5,736.50

($0.02)

Total

$3,945.98

$22,946.00

Amortization table

(A)

(B) = (A)*8%

(C) = (A+B)

(D) = equal installment calculated above

(E) = (C-D)

Period

Beginning balance

Interest expense
(Beginning balance *8%)

Notes payable

cash credit

Ending balance

2015

$19,000.00

$1,520.00

$20,520.00

$5,736.50

$14,783.50

2016

$14,783.50

$1,182.68

$15,966.18

$5,736.50

$10,229.68

2017

$10,229.68

$818.37

$11,048.05

$5,736.50

$5,311.55

2018

$5,311.55

$424.92

$5,736.48

$5,736.50

($0.02)

Total

$3,945.98

$22,946.00

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