Howard is saving for a long holiday. He deposits a fixed amount every month in a bank account with an EAR of 6.6%. If this account pays interest every month then how much should he save from each monthly paycheck in order to have $ 12 comma 000 in the account in two years' time?

Boncidio inc., a cell phone manufacturer, introduced a new cell phone model. 85 percent of this phone is made from biodegradable materials. this product attracts customers who give importance to using environment-friendly products in their daily lives. in the context of social responsibility and technology, boncidio best illustrates