What are the effects of not saving and investing for the, Financial Management

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What are the effects of not saving and investing for the

1. What are the effects of not saving and investing for the future?

2. Marie will put $1500 in bank earning 1.40% APR compounded daily. What is the periodic rate and how much will she have in three years?

3. Consider a 20-year, $185,000 mortgage with an interest rate of 5.55 percent. After six years, the borrower (the mortgage issuer) pays it off. How much will the lender receive? Please explain each step thoroughly and use excel if possible.

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