Class aimed at students of management courses (Economics, Administration, Accounting, Human Resources, Financial Management, etc.) STATEMENTS: 1. A small-amount saver invested R$100 expecting to obtain a return of 1% compound interest per month. In this case, if, at the end of two months, the amount of R$50 is withdrawn, then the remaining balance will be less than R$52. 2. An individual has R$10,000.00 and also a debt of the same amount. The debt value is adjusted at a compound interest rate of 10% per month. The individual decides not to pay the debt and invest the money he has in an investment that yields net compound interest of 20% per month. Therefore, if at the end of the second month of investment, the individual pays off the debt, he will still have an amount of 3. Hypothetical situation: Raul made two consecutive semiannual investments of R$50,000 each, which earned interest at a rate of 10% per semester. Raul withdrew the total balance at the end of the third semester. Assertion: In this situation, Raul withdrew less than R$120,000. 4. Five years ago, João, Paulo and Miguel joined forces to set up a snack bar. João contributed R$80,000; Paulo, R$120,000; and Miguel, R$200,000. The snack bar was sold today for R$3,200,000 and this amount was divided between the three in direct proportion to the amounts that each one invested. Based on this hypothetical situation, judge the following item. If, 5 years ago, instead of participating in the company, Miguel had invested his money at a compound interest rate of 50% paid annually, then, considering 7.6 as an approximate value for 1.55, it is correct to state that, today, the amount of this investment would be greater than the amount he received from the sale of the snack bar. 5. Pedro invested R$10,000 in a financial institution for a period of 3 consecutive months. The compound interest rate on this investment in the first month was 5%; in the second month, 10%; and in the third, 8%. In this situation, Pedro, at the end of the third month, received more than R$2,400 in interest. 6. Amélia, a retiree of the INSS, took out a loan in the amount of R$2,000, at a certain interest rate compounded per month, to be paid in 2 years. It is known that if the loan were made under the same conditions, but to be paid in 1 year, Amélia would pay the amount of R$3,000. In this case, the actual amount paid by Amélia at the end of the 2 years was 7. A person was 15 days late in paying a debt of R$20,000, for which the interest rate on arrears is 21% per month under the simple interest regime. Regarding this hypothetical situation, and considering a 30-day business month, judge the following item. Under the compound interest regime, the amount of the interest on arrears in the situation presented will be R$100 less than under the simple interest regime. 8. An investment bank raises funds and pays compound interest at a rate of 10% per month on the amount invested, but charges a fixed amount of R$100 monthly as an administration fee. The bank withdraws this amount as soon as it pays the monthly interest, and the subsequent interest is calculated on the remaining amount. In this situation, if a client invests R$1,000 in this bank and is exempt from the administration fee in the first month, then, at the end of the third month of investment, he will earn an amount equal to 9. An investment bank raises funds and pays compound interest at a rate of 10% per month on the amount invested, but charges a fixed amount of R$100 monthly as an administration fee. The bank withdraws this amount as soon as it pays the monthly interest, and the subsequent interest is calculated on the remaining amount. In this situation, if a client invests R$1,000 in this bank and is exempt from the administration fee in the first month, then, at the end of the third month of investment, he will earn an amount equal to 10. With regard to financial mathematics, judge the following item. In the compound interest regime with monthly capitalization at an interest rate of 1% per month, the number of months that the principal of R$100,000 must remain invested to produce the amount of R$120,000 is expressed by 11. If a debt of R$1,000.00 is paid one year after its due date, at a compound interest rate of 7% per month, then, considering 1.5 as an approximate value for (1.07)6, the total paid will be greater than R$2,000.00.