Thursday

May 5, 2016
Number of results: 47,210

**Financial Management**

Proctor Micro-Computers, Inc. requires $1,200,000 in financing over the next two years. The firm can borrow the funds for two years at 9.5 percent interest per year. Mr. Procter decides to do economic forecasting and determines that if he utilizes short-term financing instead...
*February 22, 2010 by Anonymous*

**Finance**

If an investment of $5,000 today earns 5% in each of the next five years, and then earns 7% per year for five years after that, how much will the investment be worth at the end of the ten years?
*February 1, 2011 by help w/ business*

**math**

alison invests £400 in an account paying compound interest 4% per annum.find the interest earned over 5 years,round your answer to 3 significant figures.
*October 25, 2012 by rahel*

**Finance**

A thirty-year U.S. Treasury bond has a 4.0 percent interest rate. In contrast, a ten-year Treasury bond has an interest rate of 3.7 percent. If inflation is expected to average 1.5 percentage points over both the next ten years and thirty years, determine the maturity risk ...
*January 30, 2013 by Anonymous*

**Finance**

7. Today you open a bank account and make a deposit of $6,000. Then you make the following deposits: in t=1 you deposit $6,500, in t=2 $45,000, in t=3 nothing, in t=4 nothing, in t=5 $7,000, in t=6 $8,700. You made your last deposit of $34,000 in t=7. Then, in t=10, you use ...
*April 14, 2010 by Dantavis*

**MATH**

Im Struggling with this assignment here. Would like help ASAP. Consider following situation.. You are going to buy this laptop at $1294.00 plus HST. You can also pay $50 a month for 30 months with down payment of $100. Compare following 3 scenarios using spreadsheets to ...
*April 6, 2011 by Anonymous*

**Personal Finance**

Aaron wants to put $200.00 per month into an IRA account at 15% for four years. What is he solving for using his financial calculator? A. Present Value B. Future Value C. Interest Rate D. Payment
*October 25, 2013 by Sharon *

**Personal Finance**

Aaron wants to put $200.00 per month into an IRA account at 15% for four years. What is he solving for using his financial calculator A. present value B. future value C. interest rate D. payment
*April 16, 2014 by Gabby*

**Business Math 205**

The Stockton Bears Baseball Club Deposits $6,000 at the BEGINNING of each 3-month period for 6 years in an account paying 8% interest compounded quarterly. How much will be in the account at the end of the 6-year period?
*June 25, 2011 by James*

**simple intrest**

My daughter brought home a work sheet and I have no clue where to begin to help her and she seems to have no clue either. the questions are 1. Find the final balance in each account. $800 at 4.25% simple intrest for 6 years 2. $2,000 at 6% compounded annually for 3 years ...
*February 20, 2007 by Veronica*

**math**

Shannon invests $3,000, at 8% interest, compounded quarterly for one year. Use Table 11-1 to calculate the effective interest rate for her investment. (Round the effective rate to the nearest hundredth percent.)
*October 3, 2014 by Anonymous*

**Calculus with Analytical Geometry 1**

You take out a 15 year mortgage for $20,000 at the rate of interest 4% compounded monthly. If, after 5 years, interest rate drop and you wish to refinance. How much remains to be on your mortgage?
*February 9, 2016 by Sherianna*

**math**

John took all his money out of his savings account. He spent $50 on a radio and 3/5 of what remained on presents. Half of what was left he put back in his checking account, and the remaining $35 he donated to charity. How much money did John originally have in his savings ...
*June 26, 2010 by jessie*

**financial management**

Wheeler Corporation is planning to expand its business and needs $30,000,000. The company believes that a 12-year term loan can be negotiated with a bank at an annual rate of 10%. Alternatively, an investment banking firm has indicated that it is willing to underwrite a common...
*October 25, 2009 by donna*

**Business Math**

If i wanted to accumulate a million dollars by investing money every year into a savings account at 3% for 30 years until retirement how much do i need to deposit each year?
*April 5, 2010 by Heather*

**Finance**

A thirty-year Treasury bond has a 4.0 percent interest rate. In contrast, a ten-year Treasury bond has an interest rate of 2.5 percent. A maturity risk premium is estimated to be 0.2 percentage points for the longer maturity bond. Investors expect inflation to average 1.5 ...
*November 3, 2013 by Chanel*

**algebra**

The number of bacteria in a certain population increases according to a continuous growth model, with a growth rate parameter of 25% per hour. An initial sample is obtained from this population, and after six hours, the sample has grown to 7081 bacteria. Find the number of ...
*October 27, 2015 by Pat*

**business**

. George Wilkins checked the spreadsheet where he keeps track of his assets and liabilities. He discovered that (i) he owes $80,000 on his house, which he believes to be worth $150,000; (ii) his car is worth $20,000, against which there is $2,000 on the remaining bank loan; (...
*April 17, 2011 by Susana*

**pre calculus**

Jack invests $1000 at a certain annual interest rate, and he invests another $2000 at an annual rate that is one-half percent higher. If he receives a total of $190 interest in 1 year, at what rate is the $1000 invested?
*March 4, 2014 by Danielle*

**Finance**

Find the future value of $10,000 invested now after five years if the annual interest rate is 8 percent. a. What would be the future value if the interest rate is a simple interest rate? b. What would be the future value if the interest rate is a compound interest rate?
*August 22, 2012 by tisha*

**Finance**

A man stipulates in his will that $50000 from his estate is to be placed in a fund from which his three children are to each receive the same amount when they reach age 21. When the man dies (on January 2010), the children are aged 19, 15 and 13. The fund earns variable ...
*September 25, 2011 by Anonymous*

**Math**

I need help with this I keep putting the numbers in wrong on the formula ! PLEASE HELP Price of article = $315.50 Down payment = $31.55 Monthly payment amount = $16.50 Duration of payments = 20 months True annual interest rate to the nearest tenth = % Formula: I(Interest)= 2YC...
*June 24, 2013 by sarah*

**math**

last week Coughy worked 4 hours more than Achewy. she also worked twice as many hourse as Pokey. altogether, they earned $252. if couphy earns $6.50 per hour, Achewy earns $9 per hour, and Pokey earns $5 per hour, find the number of hours that each worked.
*June 6, 2012 by Josh*

**math**

joshua won $250000 in a draw to support the local hospital. he does not need the money for 3 months, so he decides to invest it in an account that pays 8% simple interest annually. calculate the interest paid on joshua's investment at the end of the 3 month period.
*January 7, 2015 by sam*

**math**

An investor receives a total of Rs.5,700 per annum in interest from 3 stocks yielding 4%, 5% and 8% per annum respectively. The amount at 4% is Rs.20,000 more than the amount invested at 5%, and the interest from the 8% investment is 8 times the interest from the 5% investment...
*November 9, 2015 by Haroon Gondal*

**MATH**

If I put $300 in an account that earns 5.5%, how much will there be in the account at the end of 21 years?
*February 7, 2015 by SYLVIA*

**CALCULUS PLEASE HELP **

The birth rate of a population is b(t) = 2300e0.024t people per year and the death rate is d(t)= 1450e0.018t people per year, find the area between these curves for 0 ≤ t ≤ 10
*April 12, 2014 by LAUERN PLEASE HELP *

**Math**

If $1500 is invested at an interest rate of 3.5% per year, compounded continuously, find the value of the investment after 3 and 6 years. What formula would i use?
*November 19, 2013 by Morgan*

**algebra(help)**

The amount of money, in dollars, raised each year by a student club can be estimated by the function f(x)=150x-240,000 where x is the year with 2000<x<2010. How much money did the students raise in 2008? What is the slope of the graph of f? Interpret the slope as rate of...
*January 30, 2013 by debbie*

**Math**

48000 people voted in the last election in the town of Southboro. If only 55% of the registered voters voted in the last election, how many people are registered to vote? I got 87,273 Nik put $264 in a savings account that pays 3% annual interest. How much will he have in his ...
*February 25, 2013 by Mary*

**Math**

48000 people voted in the last election in the town of Southboro. If only 55% of the registered voters voted in the last election, how many people are registered to vote? I got 87,273 Nik put $264 in a savings account that pays 3% annual interest. How much will he have in his ...
*February 25, 2013 by Mary*

**pride**

you deposit 7900 in a money market account that pays a intrest rate of 4.3% the intrest is compounded quarterly how much money will you have after 3 years
*May 21, 2013 by jamer *

**algebra 2**

If $8,500 is deposited in a compound interest account paying 3.9% interest annually, how much will be in the account after 12 years?
*December 3, 2010 by Jasmine*

**algebra**

If $8,500 is deposited in a compound interest account paying 3.9% interest annually, how much will be in the account after 12 years?
*March 29, 2012 by Anonymous*

**Algebra**

Suppose that P dollars are invested in a savings account at interest rate I, compounded annually, for 2 years. The amount A in the account after 2 years is given by A = P(1 + i)^2. Find an equivalent polynomial expression for A. Please help if you can! Thank you! :-)
*April 16, 2009 by Cassie*

**Algebra**

if $1500 grew to $1575 with 4% simple interest how long was the money in the account?
*September 22, 2010 by Lynette*

**Foundations Math 12**

Mark wants to buy a car in 15 months, when he graduates. He estimates the car he wants will cost $12 500. Mark has just invested $7500 in a GIC earning 4% compounded quarterly. He also has a savings account that earns 2.45%, compounded monthly. How much should he deposit in ...
*February 18, 2014 by Leah*

**math**

hakiim invested 15000 he put part of it in a term deposit that paid 4% per annum and the remainder in a treasury bill that paing 5% per annum after one year the total interest was 690 how much did hakiim invest at each rate
*February 24, 2015 by sally*

**math**

help find the simple interest rate. Find the simple interst owed for the use of the money. Assume 360 days in a year. p=$4000, r=6%, t= 1year
*May 8, 2012 by Dee*

**math**

help find the simple interest rate. Find the simple interst owed for the use of the money. Assume 360 days in a year. p=$4000, r=6%, t= 1year
*May 9, 2012 by Dee*

**Personal Finance (Math)**

Becka borrowed $100 from her cousin at the rate of 6% per year. If the inflation rate was 2% that year, what is her cousin's actual rate of return on the loan? How do you work this out?
*September 27, 2014 by Luis*

**Math**

If you place $1000 in a savings account with an interest rate of 5.25% a month how much should you earn an interest at the end of the month?
*March 2, 2015 by Dylan *

**Finance**

Ambrin Corp. expects to receive $2,000 per year for 10 years and $3,500 per year for the next 10 years. What is the present value of this 20 year cash flow. Use a 11% discount rate.
*February 2, 2009 by usha*

**Urgent math**

A couple needs a mortgage of $300,000. Their mortgage broker presents them with two options: a 30-year mortgage at 8 1/2% interest or a 15-year mortgage at 7 3/4% interest. (Round your answers to the nearest cent.) (a) Find the monthly payment on the 30-year mortgage and on ...
*August 10, 2015 by Fay*

**math**

A house is rented for $2000 per quarter, with each quarter's rent payable in advance. If money is worth 2%, compounded quarterly, and the rent is deposited in an account, what is the future value of the rent for one year?
*April 30, 2011 by plz help*

**rubidoux high school**

Susan is putting money into a checking account. Let y represent the total amount of money in the account (in dollars). Let x represent the number of weeks Susan has been adding money. Suppose that x and y are related by the equation = + 30 x 350 y
*February 11, 2015 by jessica mendez*

**algebra**

don williams invested some money st 9% simple interest. At the end of the year, the total amount of his original principal and the interest was $6.540. How much did he originally invest
*November 22, 2010 by nora*

**Math **

The management of Gibraltar Brokerage Services anticipates a capital expenditure of $27,000 in 3 yr for the purpose of purchasing new computers and has decided to set up a sinking fund to finance this purchase. If the fund earns interest at the rate of 9%/year compounded ...
*February 7, 2011 by Salvany*

**STRAYER**

If $795 is invested in an account that earns 11.75%, compounded annually, what will the account balance be after 27 years?
*September 10, 2011 by MARY*

**math**

If $870 is invested in an account that earns 24.25%, compounded annaually, what will the account balance be after 30 years.
*June 13, 2012 by linda*

**algebra**

If $1000 is invested in an account that earns 11.75%, compounded annually, what will the account balance be after 12 years?
*November 4, 2012 by sara*

**calculus 2**

The birth rate of a population is b(t) = 2000e^0.022t people per year and the death rate is d(t)= 1460e^0.017t people per year, find the area between these curves for 0 ≤ t ≤ 10. (Round your answer to the nearest integer.)
*January 22, 2016 by TayB*

**Finance**

Faulkner Corporation expects to pay an end-of-year dividend, D1, of $1.50 per share. For the next two years the dividend is expected to grow by 25 percent per year, after which time the dividend is expected to grow at a constant rate of 7 percent per year. The stock has a ...
*October 6, 2008 by Anonymous*

**math(compunded interest )**

4. At the end of every year for 3 years, RM1000 will be invested in an account that offers 8% compounded annualy.Find the account amount at the end of the 3 years.
*April 24, 2014 by fizz*

**math **

Tony deposited $3000 into a savings account that pays him interest at a rate of 3%. How much interest will Tony earn in 5 years?
*February 24, 2016 by autumn*

**Calc**

How much money will we have in 6 months if we invest $1000 into an account earning 8% compounded continuously? How long will it take the $1000 to double? What is the effective rate for 8% compounded continuously that would produce the same accumulated amount after 1 year as 8...
*July 15, 2012 by Rita*

**macroeconomics**

Suppose you borrow $900 of principal that must be repaid at the end of two years, along with interest of 5 percent a year. If the annual inflation rate turns out to be 10 percent, (a) What is the real rate of interest on the loan?
*February 19, 2016 by Anonymous*

**finance**

A thirty-year U.S. Treasury bond has a 4.0 percent interest rate. In contrast, a ten-year treasury bond has an interest rate of 3.7 percent. If inflation is expected to average 1.5 percentage points over both the next ten years and thirty years, determine the maturity risk ...
*July 28, 2013 by Jon*

**algebra**

1. The formula V=lwh is used to find the volume of rectangular prisms. Which equation solves for w? a. w=V-l-h b. w=Vlh c. w=lh/V D. w=V/lh 2. Mr. Marsupial invested $8,000, part at 6% interest and the reamainder at 8% interest. At the end of the first year he received &600 i ...
*March 18, 2012 by Yaya*

**MATh**

JERRY invested $650 at a simple interest rate of 3.5% per year. How much will Jerry have in 8 years.
*April 28, 2011 by christomes *

**algebra**

A principal of $5000 was invested in a savings account for 4 years. If the interest earned for the period was $400, what was the interest rate? i know this is 1.5 % or at least I think it is but how do i write it out? Use the equation I=Prt, where I=interest earned, P=...
*May 30, 2007 by confused*

**Math question word**

Milan bought a desktop computer and a laptop computer. Before finance charges, the laptop cost $350 less than the desktop. He paid for the computers using two different finance plans. For the desktop the interest rate was 7% per year, and for the laptop it was 9.5% per year. ...
*December 10, 2015 by Anonymous*

**Math**

At the end of each quarter, a 50-year-old woman puts $3000 in a retirement account that pays 5% interest compounded quarterly. When she reaches 60, she withdraws the entire amount and places it in a mutual fund that pays 6.9% interest compounded monthly. From then on she ...
*November 7, 2010 by dana*

**another problem for checking - algebra**

P dollars is invested at annual interest rate r for 1 year. If the interest is compounded semiannually, then the polynomial P(q + r/2)^2 represents the value of the investment after 1 year. Rewrite w/o parenthesis and eval if P= $200 and r = 10% P(1 + r/2)^2 200(1 + r/0.10/2)^...
*September 17, 2007 by Nik*

**Math**

The Romascos hope to have $2,000 in 3 years for a down payment on a new pool. They invest $1,000 in an account that pays 8% interest at the end of each year. Will they have enough money at the end of 3 years to meet their goal of a down payment? What is the difference between ...
*March 12, 2015 by Mac*

**math**

Compound Interest Question James has 10,000 to invest. If he invest money in a savings account that pays 4% APR, calculate the following: a) how long will it take to have a total of 15,000 if interest is compounded quarterly (3months)? b)how much will he have after 7yrs if ...
*April 28, 2013 by martha*

**Albebra**

You want to buy a car but the price of $22000 is a bit steep. You are willing to put down $3000 and finance it over 5 years; however, you are restricted to no more than $325 per month. The interest rate is 6% per year. What is the price you can afford to pay for the car?
*November 28, 2010 by sharone*

**Foundations Math 12**

Forty eight weeks ago, Gabriella invested money at 3.9% interest, compounded weekly. Today, her investment is worth $225.50. How much interest has Gabriella's account earned in the past 48 weeks?
*February 16, 2014 by Leah*

**math**

A tractor bought for R120 000 depreciates to R11 090,41 after 12 years by using the reducing balance method. Calculate the rate of depreciation per annum if the rate was fixed over the 12 years, and calculate the effective interest rate if interest is 9,8% p.a., compounded ...
*April 8, 2015 by mihlali*

**Math, ASAP Please**

If you place $1,000.00 in a savings account with an interest rate of 5.25/month, how much should you earn in interest at the end of the month?
*October 6, 2014 by Katt<3Bob\by*

**Math [Interest]**

Okay, so I've been away from school for three weeks, and we have a math test tomorrow. I only just found out, and my friend emailed me the review questions. If someone could help me out, and show me how to do this, I'd appreciate it. No, I do not want someone to do my homework...
*October 20, 2010 by Bob*

**math**

At the beginning of the summer molly decided to add a little money into her sayings account every week. After seven weeks her account had $175. At the end of 15 weeks her account had $375. Assume that she put the same amount of money into her account every week and will ...
*August 7, 2014 by Ashley*

**college algebra**

A grandmother is looking for a plan to finance her new grandchild’s college education. She has $25,000 to invest. Search the internet and locate a long-range investment plan, CD, Savings Bond, etc, for the grandmother. The plan is to earn compound interest. Calculate the ...
*February 1, 2012 by shiedah*

**math**

. A deposit of 7,500 earns 3,900 over a period of 8 years. What is thw simple interest rate?
*December 13, 2015 by mary*

**Math**

you deposit $1000 at 3% per year.what is the balance at the end of one year,and what is the annual yield,if the interest.Please help solve the problem. Simple interest? Compounded annually? Compounded quarterly Compounded daily
*April 14, 2011 by Mike*

**Math**

you deposit $1000 at 3% per year.what is the balance at the end of one year,and what is the annual yield,if the interest.Please help solve the problem. Simple interest? Compounded annually? Compounded quarterly Compounded daily
*April 14, 2011 by Mike*

**Finance**

Your client has been given a trust fund valued at $1 million. She cannot access the money until she turns 68 years old, which is in 12 years. At that time, she can withdraw $30,000 per month. If the trust fund is invested at a 7 percent interest rate, how many months will it ...
*October 13, 2014 by Dashawn *

**Math**

Find the future value of an ordinary annuity that calls for depositing $100 at the end of every 6 months for 15 years into an account that earns 7% interest compounded semiannually. (Round your answer to the nearest cent.)
*March 18, 2015 by Allyssa*

**Finance**

Sauerfood company has decided to buy a new computer system with an expected life of 3 yrs. the cost is 150,000.the comapny can borrow $150,000 for 3yrs at 10% annual interest or for one yr at 8% annual interest. How much wld sauer save in interest over the 3 yr life of the ...
*November 8, 2010 by Nancy*

**algebra**

Andrew has a four-year college loan for $20,000. The lender charges a simple interest rate of 5 percent. How much interest will he have to pay? simple interest = P × r × t
*March 4, 2013 by Anonymous*

**Personal Finance**

NEED HELP IMMEDIATELY, HAVE UNTIL 10P.M. CENTRAL TO HAVE ANSWERS?? 1.Determining the Future Value of Education. Jenny Franklin estimates that as a result of completing her master’s degree, she will earn $6,000 a year more for the next 40 years. a.What would be the total amount...
*January 29, 2011 by Marie*

**math**

The management of Gibraltar Brokerage Services anticipates a capital expenditure of $23,000 in 4 years for the purpose of purchasing new computers and has decided to set up a sinking fund to finance this purchase. If the fund earns interest at the rate of 11%/year compounded ...
*December 9, 2013 by Victoria*

**math**

The Sandersons are planning to refinance their home. The outstanding principal on their original loan is $100,000 and was to amortized in 240 equal monthly installments at an interest rate of 11%/year compounded monthly. The new loan they expect to secure is to be amortized ...
*September 23, 2014 by Anonymous*

**math**

The Sandersons are planning to refinance their home. The outstanding principal on their original loan is $110,000 and was to amortized in 240 equal monthly installments at an interest rate of 11%/year compounded monthly. The new loan they expect to secure is to be amortized ...
*November 3, 2014 by clare*

**algebra2 HELP PLEASE**

If $8,500 is deposited in a compound interest account paying 3.9% interest annually, how much will be in the account after 12 years? round to the nearest cent.
*July 7, 2012 by 26kllt*

**Economics**

The Fed conducts an open market purchase of securities. Explain the effects of this action in the short run and the long run on: a)The quantity of money b)The quantity of money demanded c)The nominal interest rate d)The real interest rate e)Real GDP f)The price level Take a ...
*November 27, 2006 by Jayda*

**precal**

An IRA is a retirement account that you may withdraw starting at age 60. Financial advisors suggest that you only withdraw 5% a year. If you had $100,000 on that account, at what age would you run out of money?
*October 15, 2015 by Anonymous*

**Math**

Your Aunt will give your $1,ooo if you invest it for 10 years in an account that pays 20% interest compounded annually. That is, at the end end of each year your interest will be added to your account and invested at 20%. What will your account be worth at the end of 10 years...
*August 28, 2006 by Natalie*

**Pre-Algebra can you please help?!**

Lester deposited $400 into a savings account earning 4.5% simple interest, and $450 into an investment account earning 3.2% interest compounded annually. What was the total interest he earned in 3 years? A $986.00 B $89.06 C $9.60 D $98.60
*December 9, 2014 by DerpyPegasus33*

**Math**

Her has $1500 in a retirement account earning 5% interest compounded annually. Each year after the first, she makes and additional deposits of $1500. After 5 years , what was her account balance if she did not make any withdrawals?
*April 6, 2016 by Lauren*

**economics**

Samantha Roberts has a job as a pharmacist earning $30,000 per year, and she is deciding whether to take another job as the manager of another pharmacy for $40,000 per year or to purchase a pharmacy that generates a revenue of $200,000 per year. To purchase the pharmacy, ...
*March 20, 2015 by Tim*

**economics**

Samantha Roberts has a job as a pharmacist earning $30,000 per year, and she is deciding whether to take another job as the manager of another pharmacy for $40,000 per year or to purchase a pharmacy that generates a revenue of $200,000 per year. To purchase the pharmacy, ...
*March 20, 2015 by Tim*

**Finite Math**

The Sandersons are planning to refinance their home. The outstanding principal on their original loan is $110,000 and was to amortized in 240 equal monthly installments at an interest rate of 11%/year compounded monthly. The new loan they expect to secure is to be amortized ...
*November 3, 2014 by Clare*

**economics**

Suppose the income tax rate schedule is 0 percent on the first $10,000; 10 percent on the next $20,000; 20 percent on the next $20,000; 30 percent on the next $20,000; and 40 percent on any income over $70,000. Family A earns $28,000 a year and Family B earns $65,000 a year. ...
*June 23, 2009 by Margary*

**intermediate algebra**

need the equation for this problem. Mike invested $706 for one year. He invested part of it at 5% and the rest at 3% at the end of the year he earned $28.00 in interest. How much did mike invest at each rate of interest
*January 19, 2012 by jackie*

**accounting**

Would like to start a college fund. It was estimated that the cost for college to be 60,000 per year. How much should be deposit into the account each month for 18 years to accumulate a total of 240,000 @ 12% interest earned.
*April 21, 2011 by Tammy*

**algebra ll HELP PLEASE**

If $8,500 is deposited in a compound interest account paying 3.9% interest annually, how much will be in the account after 12 years? Round your answer to the nearest cent.
*July 6, 2012 by leo*

**computer programming **

Paying Off Credit Card Debt Each month, a credit card statement will come with the option for you to pay a minimum amount of your charge, usually 2% of the balance due. However, the credit card company earns money by charging interest on the balance that you don't pay. So even...
*December 18, 2013 by abiola olumide*

**Math **

Starting on her 21st birthday and continuing on every birthday up to and including her 65th, Jessie deposits $2,000 a year into an IRA. How much (to the nearest tenth) will be in the account on Jessie's 65th birthday if the account earns: A. 7% compounded annually? B. or 11% ...
*April 21, 2014 by Anonymous*

**FINANCE**

Answer both questions A).The treasurer of a German firm has €5 million to invest for three months. The annual interest rate in the Germany is 4 percent: the interest rate in the United Kingdom is 2 percent. The spot rate of exchange is €1.1/£ and the three-month forward rate ...
*August 5, 2010 by RICKY*