You have an outstanding credit card balance if $4,000. You decide to stop making new charges and pay $350 each month until the balance is paid. If your annual interest rate is 18%, how many months will it take you to pay off your balance

12 months of paying $350 and a last payment (13th) of $221.32

Explanation:

we prepare a payment schedule:

month  beginning     monthly     principal     interest     ending

            balance        payment    paid            paid           balance

1            4,000            350            290            60              3,710

2           3,710              350         294.35       55.65         3,415.65

3        3,415.65           350         298.77        51.23          3,116.88  

4        3,116.88            350         303.25        46.75         2,813.64

5        2,813.64           350         307.80        42.20         2,505.84

6       2,505.84           350         312.41          37.59         2,193.43

7        2,193.43           350         317.10           32.90        1,876.33

8        1,876.33           350         321.86          28.14         1,554.48

9        1,554.48           350        326.68          23.32        1,227.79

10       1,227.79           350        331.58           18.42            896.21

11          896.21            350        336.56          13.44           559.65

12         559.65           350        341.61             8.39            218.05

13          218.05         221.32      218.05           3.27                 0

steering wheels are always situated on the left side of the car.

always drive on the right side of the road.

white lines separate lanes of traffic traveling the same direction.

hashed or broken lines means you may change lanes when it is safe.

solid white lines mean stay in your lane.

yellow lines separate traffic moving in opposing directions.

hashed or broken yellow lines mean you can carefully pass, paying attention to oncoming traffic.

never cross a solid yellow line (or double yellow line).

when turning left at an intersection, pass in front of any cars that are turning left from the opposing direction (do not try to pass behind them).

use the left lane to pass other cars traveling your direction.

do not pass in the right lane unless absolutely necessary.

if you are driving in the far left hand lane and someone would like to pass you, move over to the right lane when it is safe to do so and allow them to pass.

you must always yield to pedestrians.

come to a complete stop whenever you see pedestrians trying to cross the street.

never pass a school bus if it has flashing red lights. wait until the lights have stopped.

be aware of bicyclists. often they share the road with cars and are supposed to also follow general traffic laws.

be particularly careful about driving in cities with bike lanes -- always check before turning that a bike is not coming.

it is mandatory to pull over or stop at an intersection to allow an emergency vehicle to pass you if you see one traveling with lights flashing and/or a siren running.

do not overuse your car horn. horns are used almost exclusively for emergency situations or for when you feel unsafe.

explanation:

answer; the inspector may have found some violation that could cause death or some kind of serious injury;