MBA Finance Assignment Support TVM APR EAR

MBA Finance Assignment Support TVM APR EAR is worth the money; because of the influence of inflation today the dollar is more valuable than a dollar. In other words, money is worth the time, because money is more valuable today than it is in getting money in the future. There are some other reasons which show why money is worth the time. The person likes the present Consumption in the case of conservation or consumption of consumption in the future due to the satisfaction of consumption goods and services. Since the fixed rate of return on investment in dollars invested (Lewis, McGrath and Saddle, 2010) has the power to grow or grow over time.
Accelerated Assignment According to experts, there are some real life scenarios in which time value of money concept can be applied. For example, the time value of money concept can be applied by individuals and firms, in relation to retirement planning, personal investment decisions, capital budgeting decisions, and decision-making equipment.
Difference between APR and EAR
The annual percentage rate (APR) refers to a simple interest rate that does not consider the effect of interest compounding while paying interest over one year. On the other hand, the effective annual rate (EAR) refers to a real or compound interest rate that it believes The area of ​​interest during calculation Simultaneously, APR is used to specify the interest cash flow related to the loan, mortgage or bank savings account, while EAR is used for the return of opportunity cost or financial instrument (Melcher and Norton, 2010).
EAR is more relevant for financial decision-making, as it is helpful in measuring or determining the actual annual return to the lender. In addition, it reflects the effect of frequency on return or interest relative to APR, which is useful for the lender (Smart and Merinos, 2008) to make financial decisions.
Required Law for Disclosure of APR 
Legal refers to a practice that adheres to all laws, regulations, rules and legal requirements set by the government, government regulatory bodies and courts of the country. There are various Federal Deposit Insurance Corporation Law, Regulation and Legal Requirements for which APR disclosure is required to provide protection to consumers or lenders. The Federal Truth and Lending Law require APR financing disclosure to provide equality or regulatory approval among various credit sources (FDIC, 2012).
Apr vs. ear
APR v. EAR means that due to the difference between these two interest rates, a consumer is charging two different rates. It is because; APR is a nominal interest rate that does not consider the premises of interest, whereas the EAR is an effective rate that considers the frequency in determining the interest amount (Melcher and Norton, 2010). Simultaneously, due to different purposes of borrowing or lending, the consumer is being charged for two different interest rates.
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