Visa/debit card?
Can the card owner see if somone deposits money out of there card? or individual when they buy somthing from a store?Answers: depends.if you have a Visa Credit Card close to from Capital One for example you cant deposit...just purchase and form payments.a regular Debit card from a bank would be your checking depiction and ofcourse you could check your own account's deposits.
A loan of $200,000 over a ten year extent beside 6.50% annual interest near compounded payments 12 times a year?
What is the monthly payment?Answers: $2,270.96
About $1775.
I didn't do the math exactly.
they formulate calculators for stuff like this
Monthly Payment: $ 2270.96
Principal= $200000
Interest Rate= 6.50%
Amortization Period= 10 years
Starting month= Feb
Starting year= 2008
Monthly Pre-payment= $0
Annual Pre-payment= $ 0.00
And for the rest of the permanent status:
--------------------------------------...
FOR 2008: Interest= $ 11557.04 Principal= $ 13423.51 Balance= $ 186576.49
--------------------------------------...
For Calendar Year 2009 (Year 2, 9 left)
Jan: Principal: $ 1260.34 Interest: $ 1010.62 Balance: $ 185316.15
Feb: Principal: $ 1267.16 Interest: $ 1003.80 Balance: $ 184048.99
Mar: Principal: $ 1274.03 Interest: $ 996.93 Balance: $ 182774.96
Apr: Principal: $ 1280.93 Interest: $ 990.03 Balance: $ 181494.03
May: Principal: $ 1287.87 Interest: $ 983.09 Balance: $ 180206.16
Jun: Principal: $ 1294.84 Interest: $ 976.12 Balance: $ 178911.32
Jul: Principal: $ 1301.86 Interest: $ 969.10 Balance: $ 177609.46
Aug: Principal: $ 1308.91 Interest: $ 962.05 Balance: $ 176300.55
Sep: Principal: $ 1316.00 Interest: $ 954.96 Balance: $ 174984.56
Oct: Principal: $ 1323.13 Interest: $ 947.83 Balance: $ 173661.43
Nov: Principal: $ 1330.29 Interest: $ 940.67 Balance: $ 172331.14
Dec: Principal: $ 1337.50 Interest: $ 933.46 Balance: $ 170993.64
FOR 2009: Interest= $ 11668.67 Principal= $ 15582.85 Balance= $ 170993.64
--------------------------------------...
For Calendar Year 2010 (Year 3, 8 left)
Jan: Principal: $ 1344.74 Interest: $ 926.22 Balance: $ 169648.89
Feb: Principal: $ 1352.03 Interest: $ 918.93 Balance: $ 168296.87
Mar: Principal: $ 1359.35 Interest: $ 911.61 Balance: $ 166937.51
Apr: Principal: $ 1366.71 Interest: $ 904.24 Balance: $ 165570.80
May: Principal: $ 1374.12 Interest: $ 896.84 Balance: $ 164196.68
Jun: Principal: $ 1381.56 Interest: $ 889.40 Balance: $ 162815.12
Jul: Principal: $ 1389.04 Interest: $ 881.92 Balance: $ 161426.08
Aug: Principal: $ 1396.57 Interest: $ 874.39 Balance: $ 160029.51
Sep: Principal: $ 1404.13 Interest: $ 866.83 Balance: $ 158625.37
Oct: Principal: $ 1411.74 Interest: $ 859.22 Balance: $ 157213.64
Nov: Principal: $ 1419.39 Interest: $ 851.57 Balance: $ 155794.25
Dec: Principal: $ 1427.07 Interest: $ 843.89 Balance: $ 154367.18
FOR 2010: Interest= $ 10625.05 Principal= $ 16626.46 Balance= $ 154367.18
--------------------------------------...
For Calendar Year 2011 (Year 4, 7 left)
Jan: Principal: $ 1434.80 Interest: $ 836.16 Balance: $ 152932.37
Feb: Principal: $ 1442.58 Interest: $ 828.38 Balance: $ 151489.80
Mar: Principal: $ 1450.39 Interest: $ 820.57 Balance: $ 150039.41
Apr: Principal: $ 1458.25 Interest: $ 812.71 Balance: $ 148581.16
May: Principal: $ 1466.14 Interest: $ 804.81 Balance: $ 147115.02
Jun: Principal: $ 1474.09 Interest: $ 796.87 Balance: $ 145640.93
Jul: Principal: $ 1482.07 Interest: $ 788.89 Balance: $ 144158.86
Aug: Principal: $ 1490.10 Interest: $ 780.86 Balance: $ 142668.76
Sep: Principal: $ 1498.17 Interest: $ 772.79 Balance: $ 141170.59
Oct: Principal: $ 1506.29 Interest: $ 764.67 Balance: $ 139664.30
Nov: Principal: $ 1514.44 Interest: $ 756.51 Balance: $ 138149.86
Dec: Principal: $ 1522.65 Interest: $ 748.31 Balance: $ 136627.21
FOR 2011: Interest= $ 9511.55 Principal= $ 17739.97 Balance= $ 136627.21
--------------------------------------...
For Calendar Year 2012 (Year 5, 6 left)
Jan: Principal: $ 1530.90 Interest: $ 740.06 Balance: $ 135096.31
Feb: Principal: $ 1539.19 Interest: $ 731.77 Balance: $ 133557.13
Mar: Principal: $ 1547.53 Interest: $ 723.43 Balance: $ 132009.60
Apr: Principal: $ 1555.91 Interest: $ 715.05 Balance: $ 130453.69
May: Principal: $ 1564.34 Interest: $ 706.62 Balance: $ 128889.36
Jun: Principal: $ 1572.81 Interest: $ 698.15 Balance: $ 127316.55
Jul: Principal: $ 1581.33 Interest: $ 689.63 Balance: $ 125735.22
Aug: Principal: $ 1589.89 Interest: $ 681.07 Balance: $ 124145.33
Sep: Principal: $ 1598.51 Interest: $ 672.45 Balance: $ 122546.82
Oct: Principal: $ 1607.16 Interest: $ 663.80 Balance: $ 120939.66
Nov: Principal: $ 1615.87 Interest: $ 655.09 Balance: $ 119323.79
Dec: Principal: $ 1624.62 Interest: $ 646.34 Balance: $ 117699.17
FOR 2012: Interest= $ 8323.47 Principal= $ 18928.04 Balance= $ 117699.17
--------------------------------------...
For Calendar Year 2013 (Year 6, 5 left)
Jan: Principal: $ 1633.42 Interest: $ 637.54 Balance: $ 116065.74
Feb: Principal: $ 1642.27 Interest: $ 628.69 Balance: $ 114423.47
Mar: Principal: $ 1651.17 Interest: $ 619.79 Balance: $ 112772.31
Apr: Principal: $ 1660.11 Interest: $ 610.85 Balance: $ 111112.20
May: Principal: $ 1669.10 Interest: $ 601.86 Balance: $ 109443.10
Jun: Principal: $ 1678.14 Interest: $ 592.82 Balance: $ 107764.95
Jul: Principal: $ 1687.23 Interest: $ 583.73 Balance: $ 106077.72
Aug: Principal: $ 1696.37 Interest: $ 574.59 Balance: $ 104381.35
Sep: Principal: $ 1705.56 Interest: $ 565.40 Balance: $ 102675.79
Oct: Principal: $ 1714.80 Interest: $ 556.16 Balance: $ 100960.99
Nov: Principal: $ 1724.09 Interest: $ 546.87 Balance: $ 99236.90
Dec: Principal: $ 1733.43 Interest: $ 537.53 Balance: $ 97503.48
FOR 2013: Interest= $ 7055.82 Principal= $ 20195.69 Balance= $ 97503.48
--------------------------------------...
For Calendar Year 2014 (Year 7, 4 left)
Jan: Principal: $ 1742.82 Interest: $ 528.14 Balance: $ 95760.66
Feb: Principal: $ 1752.26 Interest: $ 518.70 Balance: $ 94008.40
Mar: Principal: $ 1761.75 Interest: $ 509.21 Balance: $ 92246.66
Apr: Principal: $ 1771.29 Interest: $ 499.67 Balance: $ 90475.37
May: Principal: $ 1780.88 Interest: $ 490.07 Balance: $ 88694.48
Jun: Principal: $ 1790.53 Interest: $ 480.43 Balance: $ 86903.95
Jul: Principal: $ 1800.23 Interest: $ 470.73 Balance: $ 85103.72
Aug: Principal: $ 1809.98 Interest: $ 460.98 Balance: $ 83293.74
Sep: Principal: $ 1819.79 Interest: $ 451.17 Balance: $ 81473.95
Oct: Principal: $ 1829.64 Interest: $ 441.32 Balance: $ 79644.31
Nov: Principal: $ 1839.55 Interest: $ 431.41 Balance: $ 77804.76
Dec: Principal: $ 1849.52 Interest: $ 421.44 Balance: $ 75955.24
FOR 2014: Interest= $ 5703.28 Principal= $ 21548.23 Balance= $ 75955.24
--------------------------------------...
For Calendar Year 2015 (Year 8, 3 left)
Jan: Principal: $ 1859.54 Interest: $ 411.42 Balance: $ 74095.71
Feb: Principal: $ 1869.61 Interest: $ 401.35 Balance: $ 72226.10
Mar: Principal: $ 1879.73 Interest: $ 391.22 Balance: $ 70346.36
Apr: Principal: $ 1889.92 Interest: $ 381.04 Balance: $ 68456.45
May: Principal: $ 1900.15 Interest: $ 370.81 Balance: $ 66556.29
Jun: Principal: $ 1910.45 Interest: $ 360.51 Balance: $ 64645.85
Jul: Principal: $ 1920.79 Interest: $ 350.17 Balance: $ 62725.05
Aug: Principal: $ 1931.20 Interest: $ 339.76 Balance: $ 60793.85
Sep: Principal: $ 1941.66 Interest: $ 329.30 Balance: $ 58852.19
Oct: Principal: $ 1952.18 Interest: $ 318.78 Balance: $ 56900.02
Nov: Principal: $ 1962.75 Interest: $ 308.21 Balance: $ 54937.27
Dec: Principal: $ 1973.38 Interest: $ 297.58 Balance: $ 52963.88
FOR 2015: Interest= $ 4260.16 Principal= $ 22991.36 Balance= $ 52963.88
--------------------------------------...
For Calendar Year 2016 (Year 9, 2 left)
Jan: Principal: $ 1984.07 Interest: $ 286.89 Balance: $ 50979.81
Feb: Principal: $ 1994.82 Interest: $ 276.14 Balance: $ 48984.99
Mar: Principal: $ 2005.62 Interest: $ 265.34 Balance: $ 46979.37
Apr: Principal: $ 2016.49 Interest: $ 254.47 Balance: $ 44962.88
May: Principal: $ 2027.41 Interest: $ 243.55 Balance: $ 42935.47
Jun: Principal: $ 2038.39 Interest: $ 232.57 Balance: $ 40897.08
Jul: Principal: $ 2049.43 Interest: $ 221.53 Balance: $ 38847.64
Aug: Principal: $ 2060.53 Interest: $ 210.42 Balance: $ 36787.11
Sep: Principal: $ 2071.70 Interest: $ 199.26 Balance: $ 34715.41
Oct: Principal: $ 2082.92 Interest: $ 188.04 Balance: $ 32632.50
Nov: Principal: $ 2094.20 Interest: $ 176.76 Balance: $ 30538.30
Dec: Principal: $ 2105.54 Interest: $ 165.42 Balance: $ 28432.75
FOR 2016: Interest= $ 2720.38 Principal= $ 24531.13 Balance= $ 28432.75
--------------------------------------...
For Calendar Year 2017 (Year 10, 1 left)
Jan: Principal: $ 2116.95 Interest: $ 154.01 Balance: $ 26315.80
Feb: Principal: $ 2128.42 Interest: $ 142.54 Balance: $ 24187.39
Mar: Principal: $ 2139.94 Interest: $ 131.02 Balance: $ 22047.44
Apr: Principal: $ 2151.54 Interest: $ 119.42 Balance: $ 19895.91
May: Principal: $ 2163.19 Interest: $ 107.77 Balance: $ 17732.72
Jun: Principal: $ 2174.91 Interest: $ 96.05 Balance: $ 15557.81
Jul: Principal: $ 2186.69 Interest: $ 84.27 Balance: $ 13371.12
Aug: Principal: $ 2198.53 Interest: $ 72.43 Balance: $ 11172.59
Sep: Principal: $ 2210.44 Interest: $ 60.52 Balance: $ 8962.15
Oct: Principal: $ 2222.41 Interest: $ 48.54 Balance: $ 6739.73
Nov: Principal: $ 2234.45 Interest: $ 36.51 Balance: $ 4505.28
Dec: Principal: $ 2246.56 Interest: $ 24.40 Balance: $ 2258.72
FOR 2017: Interest= $ 1077.49 Principal= $ 26174.03 Balance= $ 2258.72
--------------------------------------...
For Calendar Year 2018 (Year 11, 0 left)
Jan: Principal: $ 2258.72 Interest: $ 12.23 Balance: $ -0.00
--------------------------------------...
Where the final summary is
Monthly Payment: $ 2270.96
Total Interest:$ 72515.15(No pre-payment)
Total Interest:$ 72515.15 (As given)
SAVINGS: $ 0.00 Total Interest Saved, 0.00 Years shorter loan
2008 Interest $ 11557.04
2009 Interest $ 11668.67
Ending Balance Dec 2009: $ 170993.64
Average Interest Each Month: $ 604.29
Feb: Principal: $ 1187.63 Interest: $ 1083.33 Balance: $ 198812.37
Mar: Principal: $ 1194.06 Interest: $ 1076.90 Balance: $ 197618.31
Apr: Principal: $ 1200.53 Interest: $ 1070.43 Balance: $ 196417.79
May: Principal: $ 1207.03 Interest: $ 1063.93 Balance: $ 195210.76
Jun: Principal: $ 1213.57 Interest: $ 1057.39 Balance: $ 193997.19
Jul: Principal: $ 1220.14 Interest: $ 1050.82 Balance: $ 192777.05
Aug: Principal: $ 1226.75 Interest: $ 1044.21 Balance: $ 191550.30
Sep: Principal: $ 1233.40 Interest: $ 1037.56 Balance: $ 190316.90
Oct: Principal: $ 1240.08 Interest: $ 1030.88 Balance: $ 189076.83
Nov: Principal: $ 1246.79 Interest: $ 1024.17 Balance: $ 187830.03
Dec: Principal: $ 1253.55 Interest: $ 1017.41 Balance: $ 186576.49
Credit win?
How is a 836 credit score for a guy thats a short time ago turned 24 years old? Is that a passable score?Answers: its an excellent mark my friend. whatever youre doing hang on to it up! You should have no problem getting any of the genuine great loans because everyone will consider you a premium borrower. Just be careful once you start getting big loans that you pay packet them off in good time! Great job!
alex,
THat is an almost bulletproof chalk up, nobody would dare ask for a score better than that.
anything above a 720 is considered an A,
an 836 is in truth higher than what i own, you must have a solid credit history of atleast six years to find that great of a score