The albina community bank or in the umpqua bank. albina offers a 12% rate compounded quarterly, and umpqua offers 14% compounded semiannually. tamra has $40,000 to invest and expects to withdraw the money at the end of five years. using the tables found in your textbook, determine which one of the following is the best deal.

Given that Tamra has $40,000 to invest now and expects to withdraw the money at the end of 5 years and is choosing the best deal between Albina Community Bank which offers 12% rate compounded quarterly and Umpqua Bank with 14% compounded semiannually, she'd rather choose the Albina Community Bank because at the end of five years, she can withdraw a total of $385,852 while with Umpqua Bank it only amounts at $148,289.

The advantage of administering personality tests on employees is that it will allow the employer to know the mindset and personality of the employee. this will allow the employer to at least have an idea as to how the employee works and how his attitude in the workplace. the disadvantage is that it may make the employee a little anxious as to whether he would meet the personality requirements of the employer and whether he would be able to retain the job or not.