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Find and simplify the difference of the golden ratio and its multiplicative inverse

Brady has a 20 year fixed rate mortgage for $215,500 with monthly payments of 1,305.89.the annual interest rate is 4%. what is the total cost of the principal and interest for this loan rounded to the nearest dollar

The marriott family bought a new apartment three years ago for $65,000. the apartment is now worth $86,515. assuming a steady rate of growth, what was the yearly rate of appreciation? what is the percent of the yearly rate of appreciation?