Zach wants to take his family on a cruise in 4 years and he estimates the cost of the cruise will be $16,500. How much money should he deposit each month into an account that pays 3,99% monthly in order to have the needed money?

answer; human resource management.(hrm);

being born in poverty would limit the people's chances, opportunities and benefits.

this happen because of several things, such as:

- poor people tend to gain less access to good education and nutrition. this mean that their chance to obtain high paying jobs would also be limited.

- poor people tend to socialize with other poor people while the rich tend to socialize with other rich people. this means that simply throguh their social circle, rich people would have more business opportunities compared to the poor people.

- rich people tend to have more capital in their disposal. this would benefit them in business since it is far easier for them to fund their business operation compared to poor people.

answer; purpose nondisclosure;