Billie applies for a $3,600 loan at a different financial institution. they offer her an apr of 16% over a period of four years. if she made monthly payments of $99.50, what will be the total amount paid?

If we are to calculate only based on his monthly payments, then we can multiply $99.50 to 48 months (4 years). This will give us a result of $4,776 as the total amount paid. However, if we are going to consider the loan amount of $3,600 plus 16% APR for a period of 4 years we can expect a total amount of $5,904 to be paid in 4 years. This is calculated based from the loan amount multiplied by 0.16 (16%) or $3,600 x 0.16 = $576 then multiplied again to 4 years plus the original loan amount. 

1.  go out into nature and commune with the divine2.  experience real solitude to truly perceive nature3.  realize that individuals are meant to learn from nature and transcend it4.  think of nature as a symbol of the divine