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An automobile financier claims to be lending money at simple interest, but he includes the interest every six months for calculating the principal. If he is charging an interest of 10%, the effective rate of interest becomes---

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The price of commodity X increases by 40 paisa every year, while the price of commodity Y increases by 15 paisa every year. If in 2001, the price of commodity X was TK4.20 and that of Y was TK 6.30, in which year commodity X will cost 40 paisa more than commodity Y?

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