Practice - 5.2: Identify the differences ar 00:00:32 Q 5.36: Cindy lives a very hectic life. She travels daily throughout her region marketing real estate and she attends graduate school in the evenings. She needs to keep meticulous expense records for her accountant, however, she finds reconciling financial records tedious and challenging. What method of payments should Cindy use? A A savings account B A prepaid debit card A debit card D Checks. Practice - 5.3: Determi 00: Q5.36: What is a disadvantage of a variable-rate installment loan over a similar term structure fixed-rate installment loan? Initial payment structure requires borrowers to take larger loans. B Borrowers must make lower payments early on in the loan term. Variable installment loans have lower finance charges over long periods of time. Financial planning is harder because of uncertainty around future payments