Suppose that the inflation rate is 2% and the real interest rate is 4%. What is the nominal interest rate?

Answers

Answer 1

Answer:

nominal interest rate= 0.07= 7%

Explanation:

Giving the following information:

Inflation rate= 3%

Real interest rate= 4%

To calculate the nominal interest rate, we need to use the following formula:

Real interest rate= nominal interest rate - inflation rate

0.04 = nominal interest rate - 0.03

0.07= nominal interest rate


Related Questions

According to the PLC, the ________ stage is reached when sales plunge to zero, or when they drop to a low level where they continue for many years.
A) laggard
B) decline
C) maturity
D) growth
E) incubation

Answers

The Incubation because it drop to a low level so it’s E
Answer: the answer is B) decline

Which trade bloc was created to encourage free trade and economiccooperation between Canada, Mexico, and the United States?
A. CAFTA-DR
B. NAFTA
C. ASEAN
D. The EU

Answers

Answer:

B. NAFTA

Explanation:

North American Free Trade Agreement (NAFTA) is a regional agreement between the Government of Canada, the Government of the United Mexican States, and the Government of the United States of America that created a free trade zone.

NAFTA administers the mechanisms stipulated in the Treaty to resolve commercial disputes between national industries or the governments of the party countries in a timely and impartial manner.

Answer:

B. NAFTA

Explanation:

Just got it right!

The central concept in decentralization is that the people at the top of the organization should have the primary decision making role because they know what is best for the organization as a whole. This statement is:______a. true.
b. false.

Answers

Answer:

The correct answer is the option B: False.

Explanation:

To begin with, the concept known as "Descentralization" in the field of business and management refers to the whole opposite situation. The process of descentralization focus on the fact of letting other make the decisions, meaning that the decision making process starts from the higher levels but later it goes down to the lower levels of the company by letting those other employees or lower managers to adjust the decision made from above to their own ideas of how to make the decision a reality. Therefore that in this concept the important thing to have in mind is to magnify the number of trusted people that can take the decision and knowing that it is a good way to approach it.

Consider an investor facing a 38% marginal tax rate who purchases a tax-exempt issue with a yield of 4.25%. What is equivalent taxable yield of his investment?A. 11.18% B. 4.25% C. 1.62% D. 6.85% E. 2.64%

Answers

Answer:

Option D

Explanation:

We can calculate the  equivalent taxable yield of investor facing a 38% marginal tax rate investment as follows

DATA

Tax rate = 38%

After tax yield = 4.25%

Solution

Let's suppose the equivalent taxable yield is x then

x(1-0.38)=4.25

x(0.62)= 4.25

x = 6.85%

Option D would be the correct answer

Stone Cliff Company manufactures custom-order furniture.During 2013,actual manufacturing overhead totaled $720,000.Based on the 2013 results,and projected production for 2014,management prepared the 2014 budget and estimated that manufacturing overhead would total $800,000.The estimated number of direct labor hours for 2014 is 500,000,and the estimated amount of direct labor cost is $1,000,000.The company plans to use direct labor hours as the basis to allocate overhead to jobs.During May and June 2014,employees worked on the following four jobs:


Monthly data Job X43 Job X87 Job Z22 Job A33
May
Direct materials $86,000 $72,000 $44,000 $38,000
Direct labor cost $101,000 $91,000 $78,000 $52,000
Direct labor hours 5,050 4,550 3,900 2600
June
Direct materials $24,000 $41,000 $35,000 $24,000
Direct labor cost $28,000 $52,000 $62,000 $32,800
Direct labor hours 1,400 2,600 3,100 1,640

All jobs were started in May. Jobs X87 and A33 were completed and delivered to customers during June. What is the balance of the Work in Process Inventory account on June 30?

Answers

Answer:

$479,520

Explanation:

Calculation for the balance of the Work in Process Inventory account on June 30

First step is to calculate the Predetermine overhead rate

Predetermine overhead rate = 800,000/500,000

Predetermine overhead rate = 1.6 per labour hour

Second Step will be to calculate the Total cost for Job X43 and Job Z22

Job X43 Job Z22

Direct material 110,000 79,000

(Job X43 86,000+24,000=110,000)

(Job Z22 44,000+35,000=79,000)

Add Direct labour 129,000 140,000

(Job X43 101,000+28,000=129,000)

(Job Z22 78,000+62,000=140,000)

Add Manufacturing overhead applied

10,320 11,200

[Job X43 (5,050+1,400) *1.60= 10,320]

[Job Z22 (3,900+3,100)*1.6= 11,200]

Total cost 249,320 230,200

Last step is to calculate Work in process balance

Work in process balance = (249,320+230,200) Work in process balance=$ 479,520

Therefore the balance of the Work in Process Inventory account on June 30 will be $ 479,520

High Country Corporation acquired two inventory items at a lump-sum cost of $80,000. The acquisition included 6,000 units of product A, and 14,000 units of product B. Product A normally sells for $12 per unit, and product B for $4 per unit. If High Country sells 2,000 units of A, what amount of gross profit should it recognize?A. $750.
B. $2,250.
C. $16,500.
D. $4,750.

Answers

Answer:

$9,000

Explanation:

Calculation for the amount of gross profit that should be recognize

First step is to calculate the

A's sale value = 6,000 unit*12 per unit

A's sale value = $72,000

Second Step is to calculate B's sale value

B's sale value = 14,000 units*4 per unit

B's sale value= $56,000

Third step is to calculate the Total sale value

Total sale value = $72,000 + $56,000

Total sale value= $128,000

Fourth Step is to calculate the Cost of goods sold of A for 6,000 units and 2,000 units

Cost of goods sold of A for 6,000 units = ($72,000/$128,000) * $80,000

Cost of goods sold of A for 6,000 units = 0.5625*$80,000

Cost of goods sold of A for 6,000 units= $45,000

Cost of goods sold of A for 2,000 units = $45,000*2,000/6,000

Cost of goods sold of A for 2,000 units = $15,000

Last step is to calculate the Gross profit of A for 2,000 units

Gross profit of A for 2,000 units = (2,000*12 per units) - 15,000

Gross profit of A for 2,000 units = $24,000 - $15,000

Gross profit of A for 2,000 units = $9,000

Therefore the amount of gross profit that should be recognize will be $9,000

If fixed costs are $300,000, the unit selling price is $25, and the unit variable costs are $20, what is the break-even sales (units) if the variable costs are decreased by $2?

a. 42,857 units
b. 17,143 units
c. 60,000 units
d. 100,000 units

Answers

Answer:

a. 42,857 units

Explanation:

Given that;

Fixed cost = $300,000

Unit Variable cost = $20

Since the variable costs are decreased by $2.

Then unit variable cost would be

= $20 - $2

= $18

Break even sales (units) is computed as;

= Fixed cost / Contribution margin

= $300,000 / [$25 -$18]

= $300,000 / $7

= 42,857 units

Use for business communications only and the disallowing of the transmission of confidential business information are recommended guidelines for _______ a. Desktop configuration b. Instant messaging c. USB drives

Answers

Answer:

B

Explanation:

Use for business communications only and the disallowing of the transmission of confidential business information are recommended guidelines for Instant messaging

The general rule regarding the exchanged basis in the new property received in a like-kind exchange is:________
A. The basis is equal to the fair market value of the old property.
B. The basis is equal to the cost basis of the old property
C. The basis is equal to the adjusted basis of the old property
D. The basis is equal to the fair market value of the new property.
E. All of the choices are correct.

Answers

Answer:

c. The basis is equal to the adjusted basis of the old property

Explanation:

The general rule regarding the exchanged basis in the new property received in a like-kind exchange is the basis is equal to the adjusted basis of the old property. The rule states that the basis of the exchange must be equal to the adjusted basis of the old property.

In the case of oligopolistic markets, self-interest makes cooperation difficult and it often leads to an undesirable outcome for the firms that are involved.
a. True
b. False

Answers

Answer: True

Explanation:

An Oligopolistic market is one where the suppliers are very few in number. Cooperation is indeed difficult in such markets as they are motivated by self-interest to try to make more profits than their competitors.

This usually leads to an undesirable outcome. For instance, if two oligopolistic firms agree on a price to sell goods, one of them might decide to sell at a lower price in order to gain more market share. This will cause the other firm to reduce its prices as well which means that both companies would be worse off than when they started.

Taunton's is an all-equity firm that has 155,500 shares of stock outstanding. The CFO is considering borrowing $287,000 at 7 percent interest to repurchase 24,500 shares. Ignoring taxes, what is the value of the firm?

a- 1,821,571

b- 1,908,313

c- 2,081,796

d-2,241,934

e- 2,354,031

Answers

Answer:

a. 1,821,571

Explanation:

Repurchase of shares = 24,500 shares

Share price per share = $287,000/24,500 = $11.7143

Value of the firm = 155,500*11.7143 = $1,821,571

Pepsi uses advertising to create the impression that Pepsi is superior to any other soft drink. Pepsi is attempting to:_________.A) sell less Pepsi so they can raise the price of Pepsi.B) differentiate Pepsi from other types of soft drinks.C) convince consumers that Pepsi is identical to other soft drinks.D) lower the marginal cost of producing for Pepsi.

Answers

Answer:

The correct answer is the option B: Differentiate Pepsi from other types of soft drinks.

Explanation:

To begin with, the fact that the company is using the advertising as its major weapon when it comes to atract consumers and increase the number of sales then they are trying so desperetely to differentiate its brand from the other ones of the competitors and they do it by showing in their advertisements that they are superior to any other. And that strategy, the one of using the marketing campaing as a primary source of getting to the consumers, is in order to achieve a more high look from the point view of the consumers so they put their brand in a higher level regarding the competitors' brands.

how do i get my grade higher.60-80 and 70-80
my parents said i cant do anything till there 80s
please help me i want to play with my cousin.
NEED THIS INFORMATION ASAP

Answers

You can always makeup work that you got a low grade on. You can do extra credit or finish the work you haven’t turned in (if you have anything) :)
Ask for some extra credit maybe or do missing assignments? It should help a little bit

Harry Corporation just paid a dividend of $10.18 per share and dividends are expected to grow at a constant rate of 6 percent forever. If the required rate of return is 12 percent, what is a fair price for Harry Corporation's stocks today?

Answers

Answer:

Stock Price= $169.67

Explanation:

Giving the following information:

Dividen= $10.18

Growht rate (g)= 0.06

Rate of return (i)= 0.12

To calculate the price today, we need to use the following formula:

Stock Price= dividend / (i - g)

Stock Price= 10.18 / (0.12 - 0.06)

Stock Price= $169.67

You have recently earned an hourly pay raise. As your wages increase, the opportunity cost of going to the beach rather than working:
A. decreases.
B. stays the same.
C. is limited by the income effect.
D. increases.

Answers

It all depends. If you’re going to buy drinks and tons of bathing suits then it decreases. But if you plan on going to beach just to get a tan then it’ll increase. But than again if you choose to go to the beach instead of working then it would be C

compare and contract between Sear's STORE and Aldi's STORE

Answers

aldis is a grocery’s store and sears is a clothings store. they’re both stores

What is the target of SEO service?

Answers

increase its visibility in search results on search engines

what is the SELF DETERMINATION THEORY?

Answers

Explanation:

Self-determination theory (SDT) is a macro theory of human motivation and personality that concerns people's inherent growth tendencies and innate psychological needs.

Answer:

HiiiHERE'S YOUR ANSWER

Explanation:

Self-determination theory is a psychological framework for understanding human motivation. It was developed by psychologists Richard Ryan and Edward Deci and grew out of research on intrinsic motivation, or the internal desire to do something for its own sake, not for an external reward. Self-determination theory states that people are driven by three basic psychological needs: autonomy, competence, and relatedness.

HOPE IT HELPS YOU OUT PLEASE MARK IT AS BRAINLIEST AND FOLLOW ME PROMISE YOU TO FOLLOW BACK ON BRAINLY.IN

On November 1, Mcgonagall borrowed from Dumbledore, giving him a $12,000, 3 month, 9% note, interest payable at maturity. Mcgonagall made no entry after November 1.
On December 31, the end of the accounting period, what entry would Mcgonagall make?
A. Interest Payable 180
Interest Expense 180
B. Interest Expense 180
Interest Payable 180
C. Interest Expense 180
Cash 180
D. Interest Payable 180
Discount on Notes Payable 180

Answers

Answer:

B) Interest Expense 180

Interest Payable 180

Explanation:

Based on the information given we were told that On November 1, Mcgonagall borrowed from Dumbledore which includes the amount of $12,000, as well as 3 month, and 9% note in a situation where the interest is payable at maturity and Mcgonagall made no entry after November 1 which means that On December 31, which is the end of the accounting period the Journal entry that Mcgonagall would make will be :

Dr Interest Expense 180

Cr Interest Payable 180

($12,000 x 9% x 2/12 )

Equipment was purchased for $60,050 plus $1,123 in freight charges. Installation costs were $2,128 and sales tax totaled $5,453. The increase in net working capital was $4,829. What is this asset's depreciable basis? DO NOT USE DOLLAR SIGNS OR COMMAS IN YOUR ANSWER. ENTER YOUR ANSWER TO THE NEAREST DOLLAR (e.g. 1250).

Answers

Answer: $‭68,754‬

Explanation:

The Depreciable bases of this asset refers to the total amount that will be recorded as the Cost price of this asset.

Costs to buy, transport and install the asset are all included. Sales tax is included as well;

= 60,050 + 1,123 + 2,128 + 5,453

= $‭68,754‬

What additional regulatory measures do some state authorities demand if state funds are allocated to other government or nonprofit organizations?

A.
state government officials demand that the SEC should look into the financial dealings of all these organizations
B.
state government officials recruit auditors to review the financial records
C.
state government officials themselves audit these organizations
D.
state government officials review the audit performed by CPA firms for such organizations

Answers

This is op's alt account its D

The correct option is D. state government officials review the audit performed by CPA firms for such organizations

The following information should be considered:

The state government officials should reviews the audit that should be performed by CPA firms for the organization. And it should be an extra regulatory measure for state authorities demand in the case when the state funds are distributed to the government or non-government organization.

Learn more: brainly.com/question/16911495

I am writing to respond to a problem I am becoming increasingly aware of. I cannot help but notice the growing lack of motivation among many of my fellow students. Being one of a few who bothers to try for (and achieve) A's in my classes, I am sometimes regarded as an outsider.
My message to these students is this (and you know who you are): grow up. You are being provided with a free education and you are lucky to get it. Since you are not taking advantage of this, you don't really deserve it. Your parents, your friends' parents and your neighbors all have to dish out hard-earned money to your town government, which in turn has to struggle to find a way to pay for your education, along with all of the other needs of the town. Still, you abuse the system by flunking your exams, not doing your homework, and subjecting your teacher to both verbal abuse and the difficult task of putting up with you.
You obviously aren't going to achieve anything with your life when you graduate, considering that few colleges accept students with grade point averages of zero, so you might as well stop acting like a lazy slob and begin to work at being something. You are being provided with the tools for success but you aren't using them.
It is possible to get A's on your report card and have fun too. Some of us actually survive the day without once threatening a teacher. There are students with some disabilities who manage good marks, but this is possible only because they try. You are obviously in a more advantageous situation than these students, so why is it you're not doing the same?
It takes just as much effort to hide that report card from your parents as it does to open up your textbook and read the script within. It's better to worry about how you can improve your test scores than to have to worry about how you can alter them to make it appear as though you passed.
There are many children throughout the world who would jump at the chance to receive an education, yet you, the underachiever, go to school at absolutely no personal expense every day. Not everyone can become the next NBA super star, the rest of us have to work at getting anywhere in life. Stop wasting the town's tax dollars by lounging around all day, and start improving your attitude and workmanship before it's too late.

Answers

Answer:

The motivation of a person depends on himself. The best way to keep your self motivated is to set goals and then monitor your performance against them.

Explanation:

Many people find it difficult to concentrate on studies. They are distracted by the social media and other gaming activities but one should think carefully that all these social media and games do not ruin your future. If a person does not study today he will not be able to achieve and secure a good job later in future leading to lifetime regrets.

A new company has inventory data for an item purchased during the year. The year-end ending inventory is 1,000 units. Using the periodic system, average cost method, what is the cost of the merchandise inventory at year-end? The purchase activity is as follows:

Date No. of Items Purchased Cost/Unit Total Cost

Jan. 16 800 $7.00 $ 5,600
Mar. 18 2,200 $8.00 17,600
Nov. 23 2,000 $9.00 18,000

Total 5,000 $41,200

Answers

Answer:

$8,240

Explanation:

The computation of the ending inventory using the average cost method under a periodic system is shown below:

But before that first determine the weighted average cost per unit which is

The Weighted average cost per unit

= $41,200 ÷ 5,000  units

= $8.24 per unit

Now the ending inventory is

= 1,000 units × $8.24 per unit

= $8,240

RATE MEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE

Answers

Answer:

yeah those are just sentences

if that is accually your face i would be worried

A business should endeavor to be socially responsible in its actions and conduct under what set of circumstances?

a. increased competitive advantage.
b. lowering the legal fees to handle reputation-damaging incidents
c. pursuing internal benefits such as improved efficiency and workforce retention
d. pursuing shareholder benefits based on high correlations between CSR and stock price and other measures of financial performance.

Answers

Answer: All of the above

Explanation:

A company should endeavour to be socially responsible if it will result in any of the listed circumstances as they are all benefits.

If this would increase the company's competitive advantage it should be embarked on as it would lead to the company having a better position in the market. It can also reduce the cost to the company of reputation damaging incidents.

A company having improved efficiency and workforce retention is a good company and if socially responsible actions will bring that, the company should do it. And with the purpose of a company being to maximise shareholder value, a company should definitely engage in socially responsible actions if there is a high correlation between CSR and stock price.

The following terms relate to independent bond issues:
500 bonds; $1,000 face value; 8% stated rate; 5 years; annual interest payments.
500 bonds; $1,000 face value; 8% stated rate; 5 years; semi-annual interest payments.
800 bonds; $1,000 face value; 8% stated rate; 10 years; semi-annual interest payments.
2,000 bonds; $500 face value; 12% stated rate; 15 years; semi-annual interest payments.
Required:
Assuming the market rate of interest is 10%, calculate the selling price for each bond issue. Refer to the tables above for present value factors.

Answers

The selling price for each independent bond issuance is determined using the PV calculations as follows:

1st Bond's Selling Price = $303/26

2nd Bond's Selling Price = $308.87

3rd Bond's Selling Price = $498.49

4th Bond's Selling Price = $282.81

How are bonds' prices determined?

The price of a bond is determined by discounting the expected cash flows to their present value using the discount (market) rate.

This can be achieved by calculating the present value of the bond using the present value annuity factor, table.

We can also use an online finance calculator as follows:

Data and Calculations:

Market rate = 10%

First Bond Issuance:

N (# of periods) = 5 years

I/Y (Interest per year) = 10%

PMT (Periodic Payment) = $80 ($1,000 x 8%)

FV (Future Value) = $0

Results:

PV = $303.26

Sum of all periodic payments = $400 ($80 x 5)

Total Interest = $96.74

Second Bond Issuance:

N (# of periods) = 10 (5 years x 2)

I/Y (Interest per year) = 10%

PMT (Periodic Payment) = $40 ($1,000 x 8% x 1/2)

FV (Future Value) = $0

Results:

PV = $308.87

Sum of all periodic payments = $400 ($80 x 5)

Total Interest = $91.13

Third Bond Issuance:

N (# of periods) = 20 (10 years x 2)

I/Y (Interest per year) = 10%

PMT (Periodic Payment) = $40 ($1,000 x 8% x 1/2)

FV (Future Value) = $0

Results:

PV = $498.49

Sum of all periodic payments = $800 ($40 x 20)

Total Interest = $301.51

Fourth Bond Issuance:

N (# of periods) = 30 (15 years x 2)

I/Y (Interest per year) = 12%

PMT (Periodic Payment) = $30 ($500 x 12% x 1/2)

FV (Future Value) = $0

Results:

PV = $282.81

Sum of all periodic payments = $900 ($30 x 30)

Total Interest = $617.19

Learn more about determining the price of a bond at https://brainly.com/question/15567868

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Find the duration of a bond that sells for $87 in the market. The bond pays semiannual coupons of $3 and the principle is $100. The bond matures in 4 years.

Answers

Answer:

In order to determine the Macauly we must complete the following table:

period      cash flow       PV of             Period x            

                                       cash flow      PV cash flow          

1                  $3                 $2.91                 $2.91

2                 $3                 $2.83                $5.66

3                 $3                 $2.75                 $8.25

4                 $3                 $2.67               $10.68

5                 $3                 $2.59               $12.95

6                 $3                 $2.51                $15.06

7                 $3                 $2.44                $17.08

8              $103                $81.31              $650.48

Total                                                        $723.07

Macauly duration = $723.07 / $87 = 8.31

Modified Macauly duration = Macauly duration / (1 + r) = 8.31 / 1.03 = 8.07

Examples of physical capital include _______________________. Examples of human capital include ______________________________.
A) knowledge one picks up through education and training; factories and computers
B) machines and factories; chairs and desks
C) knowledge one picks up through education and experience; factories and machines
D) machines and factories; knowledge one picks up through education and training

Answers

Answer:

D) machines and factories; knowledge one picks up through education and training

Explanation:

The physical capital is the capital that has the physical existence i.e. tangible. It could be seen, feel, or even touched. examples like plant, machinery etc

While on the other hand the human capital is intangible it only effects the production and the operations

Like - skills, knowledge, experience of a worker

Therefore the option D is correct

Ireland reports the following international transaction information. (in ⬠millions) Exports of goods 79,186 Imports of goods 45,765 Exports of services 33,573 Imports of services 46,216 Income received from abroad 28,456 Income payments to abroad 51,571 Unilateral transfers 440 (is positive) Using the information, Ireland's current account balance is:________. a. â¬1,897 million b. -â¬1,897 million. c. â¬44,333 million d. -â¬44,333 million

Answers

Answer:

Current account balance= - 1,897 millions

Explanation:

Given:

Exports of goods = 79,186

Imports of goods = 45,765

Exports of services = 33,573

Imports of services  = 46,216

Income received from abroad  = 28,456

Income payments to abroad = 51,571

Unilateral transfers = 440

Find:

Current account balance

Computation:

Current account balance = Exports of goods + Exports of services - Imports of goods - Imports of services + Income received from abroad + Unilateral transfer  - Income payments to abroad

Current account balance = 79186 - 45765 + 33573 - 46216 + 28456 - 51571 + 440

Current account balance= - 1,897 millions

Accounts receivable has a $2,300 balance, and the Allowance for doubtful accounts has a $200 credit balance. An $80 account receivable is written off. The net book value of receivables on the balance sheet after the write-off equals ______.

Answers

Answer:

$40

Explanation:

The netbook value of receivable is calculated as

= Account receive balance + Allowance for doubtful account

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Pls help I will give brainliest . The answer choices are x=45, y=90x=45, y=25x=57, y=25x=57, y=90 can someone help me out? :P please need help fast In binary fission, are the reproduced cells genetically the same or different from each other? Do you like Science Fiction? Do you think there are some factual components to Science Fiction? Do some research on Science Fiction books and pick one that you find interesting. Keep in mind that our class is EARTH-SPACE SCIENCE and use your initial background in the subject to pick your book. FYI: many Sci-Fi movies also come in a book form so if you want you could see if a movie you like is in book form. We will be using the book-or a portion of the book to write up a Science-Faction. Post the book you want to use here in the discussion.Class Earth Sciencehelp pleaseeeee HELP HELP HELP!In 1930, the United States changed the race of Mexicans from white to nonwhite. How was itpossible to change the race of an entire group of people? As a result f the fur trade in the 1500s, American Indians did what Perform the indicated operation If x = 45, solve for y y = 5/9 x Please answer this correctly, and you'll recieve brainliest. What is the vertex for the equation f (x) = 6(x 10)2 4? How does the development of the colonel in paragraph 13-16 advance the plot? Hull fouling is a(n) _______ introduction of nonnative species.a.unintentionalb.intentionalc.unimportantd.land-based how do you pay taxes and is it hard ( just curious) Which of these is an example of the exchange principle?A.Making casts of footprints at the crime sceneB.Taking photographs of the scene to be used later C.Leaving markers to show the location of evidenceD.Leaving a strand of hair on a murder victim two customers went to a dry cleaners to get clean their shirts and pants. Each shirt cleaning costs the same amount, and each pants cleaning costs the same amount. The first customer paid $30.00 for 5 shirt cleanings and 3 pants cleaning. The second customer paid $29.00 for 3 shirt cleanings and 4 pants cleaning. What was the cost, in dollars, of each shirt cleaning? help I need answers Which is the greatest accomplishment of the Ming Dynasty? Which of the following is NOT one of the Basic Economic Questions *Where to produceHow to producefor Whom to produceWhat to produce An arithmetic sequence is represented by the recursive formula A(n) = A(n-1) + 8. If the first term in the sequence is 4, write the explicit formula