You have just signed a mortgage contract for $650,000. The term is 30 years and the fixed interest rate is 4.45%. What will the monthly payments be?

You have just signed a mortgage contract for $650,000. The term is 30 years and the fixed interest rate is 4.45%. What will the monthly payments be? Over the life time of the loan, how much will you pay in interest?

You are injured in an accident and incur a $3200 medical bill. If your plan has a $500 deductible and a 70/30 co-insurance provision how much of the bill will you pay?

Please use formulas not excel.