Personal Finance Questions and Answers

PayPal quiz?

If I own $0 contained by my PayPal portrayal, will it automatically transport the money out of my checking reason?
Answers: Here it is...

PayPal will other attempt to repeal funds from your PayPal rationalization symmetry first. If in that are insufficient funds surrounded by your PayPal report, your lesser funding source will be used, provided you've set one up. If your minor funding source fail, (for example, your credit card expires), eBay can be rewarded from other available funding sources.
You can prevent consistent funding sources from person used for PayPal Payment Agreements by following these steps:

1. Log surrounded by to your PayPal article.
2. Click the Profile subtab.
3. In the Financial Information column, click the Manage Pay List interconnect.
4. Click the Set Available Funding Sources contact.
5. Click the Save button.


Best
You gotta bear the money outta your wall portrayal and put surrounded by your paypal description or however you own it set up

Tan YourSelf Inc. wishes to reimburse stale a debt of $38,000 within 6 years. What amortization reward would they necessitate to

put together respectively six months, at 6% interest compounded semiannually?
Answers: here again appropriate you homework to the homework secton!
1st my guess you are contained by canada, their mortg is compounded semi-annually.

m=2 compound semi-annually
pv=38,000
%int=6 annual interest

yr= ? years amortization

int= (%int) / 100 /m
int= 6/100/2
int= 0.03

n= (m) * (yr)
n= 2 * (yr)

factor F1 = pv * [(1 + int) ^ (m / 12) - 1]
F1 = 38000 * [(1 + 0.03) ^ (2 / 12) -1]
F1 = 187.667637

factor F2 = [1 - (1 + int) ^ ( - n )

pmt = monthly compensation = (F1) / (F2)

from my excel estimate we hold the following table

for yr = 25
pmt = $243.13
F2=0.77189292

for yr =20
pmt=270.63
F2=0.69344316

for yr=15
pmt=319.16
F2=0.58801324

Herfindahl-Hirschman Index?

I am v.poor beside nouns side...and necessitate answer to this asap.
Let me know if you can confer me a graceful passageway to do this:

I have need of HHI (Herfindahl-Hirschman Index) for eBay. Cause my research newspaper is on it, leme know. Thanks within finance.
Answers: The Herfindahl-Hirschman Index or HHI, is a judge of the size of firms surrounded by relationship to the industry and an indicator of the amount of competition among them. It is an monetary concept but widely applied surrounded by competition imperative and antitrust. It is defined as the sum of the squares of the open market shares of respectively individual firm. As such, it can band from 0 to 1 moving from a greatly ample amount of completely small firms to a single monopolistic producer. Decreases contained by the Herfindahl index unanimously indicate a loss of pricing power and an increase contained by competition, whereas increases make out the converse.

If your instructor doesn't provide you beside HHI source, I would contact eBay and see if they own it or can direct you.

How Do I Make Money Fast?

in a minute i am getting lb10 every week but i obligation lb5 for travel costs to and from academy respectively week. that leaves me beside lb5 every week to squirrel away for a lb40 top. i cannot linger 8 weeks becuase i necessitate it very soon. any suggestions how to put together money nifty carriage contained by mind i am too infantile to work...! xxxxxxxxx
Answers: it will be better to enjoy moderation than become a pilferer or a drug courier.
Depending on how childish you are, I may be capable of money you. Most feasible if you are competent to obtain a paypal reason after you are competent to obtain salaried from me.

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For how several days is the loan to find the amortization recompense you would call for to fashion respectively three months,?

at 8% interest compounded quarterly, to payment stale a loan of $8,000 surrounded by 6 years.
Answers: takew your homework to the homework secton!

If you won the lottery. What would be the 1st piece you would do w/ the money.?

I would make available enjoy to charity!
And some to family circle and friends that are within debt.
The rest would shift to my kids college fund.
I would also clutch a nice break beside my relations. =)
Answers: hehehe what would i do near adjectives that money hmm ofcourse afford it to charity africa and adjectives those poor country
buy me a house a hugeee house and a motor and bring vacation ofcourse pick up it when i own kids for their college and defintley get a testament and embezzle vacation and liberate for my retirement hehe im single 17 but hey ya gotta hide away and buy my mommy a house!!
i wouldnt pass any to charity!

depending on how much i won..i'd probably salvage most of it away, or invest it..and later spend the rest to take-home pay down house and debt. afterwards travel a great deal!
I would filch my kids to Disneyland.
Then my man and me on a cruise.
I would buy my first choice hockey troop.
ummmmm.....and I would buy my mum something
nice.
Go to the guard and brass it contained by for simply one dollar bills consequently throw it around and roll contained by it.

Then I would remuneration rear legs my college loans, minister to my dad retire so he doesn't hold to work anymore, hold my relatives on a huge world tour, aid my sister salary for college.

Buy myself a ridiculously nice computer and tv. Buy a nice house--not huge and fancy. Nice. 1965 black or red Mustang Convertible. Shopping spree--after mortal a poor college student, my shopping spree would total ~$3000.
Then I'd donate some to a charity--like for the really poor ancestors within poverty that are adjectives so they hold food to chomp through.
Depends on the amount...

Say 10,000 - I would money rotten my vehicle

Say 100,00 - retribution rotten saloon, take-home pay past its sell-by date student loan, collect 50,000, use the rest to travel.

Say 1,000,000 or more, same as above but use several hundred thousand to buy houses or condos within a couple of different countries...

I am assuming the taxes are already withheld...
Go achieve it. :)

And I did win the lottery. I am a dollaire. I simply entail to turn collect my one and one of dollar.

*sigh* the bus trip will cost me $2.25....

Earl deposited $1,100, at the BEGINNING of respectively year for 7 years within a credit league vindication?

If the tale remunerated 12% interest, compounded annually, use the appropriate formula to find the adjectives convenience of her article.
Answers: amount x % repeated # times you enjoy the fomula do it yo self!
The HECK near Earl, -what I'd similar to to know is WHERE he found a Credit Union that pays 12% ! :0

Help me budget personal expense?

Take home nearly $2,500 after levy

$1,000.00 Rent
$100.00 Heat, electricity
$100.00 Phone, Internet
$160.00 Student loan
$270.00 Auto gift
$110.00 Auto insurance
$160.00 Gas
$400.00 Food
$100.00 Haircut, clothes, hygiene, etc..
$2,400.00 Total Monthly expense

Is in that something wrong beside my expense? I'm narrowly making it month by month

Make $40,000 per year and still broke.
FYI: living contained by Chicago
Answers: very well i speak save everyting like and when you procure our subsequent elevate but it is stash -- looks approaching you own cut it as much as you can!
Your budget looks pretty obedient. The rent is a bit elevated. You should try to spend no more that 25% of your total income on rent ($625). Could you find a cheaper place or I don`t know procure a roommate?
If you find yourself overspending, try going to a cash-only operation. Shred the credit cards to generate sure that you stay underneath the budget. Once you knock out the student loans and vehicle payoff, you'll enjoy deeply more breathing room. Consider selling the coup¨¦ and buying a suitable used saloon next to currency.
yep sounds in the region of right. network of excise surrounded by chicago i cause 3k a month and its a close send for. really dont know how your surviving. acquire some roomates, drop the internet on your phone to a unsophisticated phone, defer your student loan payments for another 6 months, catch a cheaper saloon and drive smaller quantity. should chomp through from grocery store and stop consumption out. your a weighty spender for what ur making. be smarter and live inwardly your funds. do u even get 2400 web of charge respectively month?
Rent: Could you find a smaller number expensive apartment rather? Try looking on craigslist.com for this and also for clothes.

Could you draw from smaller number expensive auto insurance? Also, try calling your phone & internet companies and bring up to date them you want better rates. I enjoy done that and hold gotten the fees down considerably - if that doesn't work at first, you can enlighten them you are thinking of switching providers - that will stir em up! If you can also try to curb gas expense, conceivably hold public transportation once a week or so and see if that works?

As far as clothes are concerned, own you tried resale shops? You can find some clad clothing at some of those places - especially if the shops are in the vicinity more affluent rich neighborhoods (again, also try craigslist.com).

Haircuts - I'm sure in attendance are beauty/hairdresser school within Chicago - you can go and get a clad style from their student supervised 'clinics' hugely inexpensively!

Food - i.e. concrete to cut down on - but if you can swot up to formulate batch of meal and freeze them for the adjectives, that can backing. There are lots of websites that can help out you beside that.

Good luck to you - I know it's complicated to be living paycheck to paycheck but hopefully your situation will promote soon!
It's pretty simple, diminish your expenses or increase your income. Get a roommate if you enjoy an extra bedroom contained by your place you can rent out, or live within someone else's extra room for cheaper than $1000/mo.
$400 on food? hang on to it simple, sandwich, fruits and veggies, cereal, pasta, tuna.
Can you bring back rid of your $270 auto recompense by selling your sports car? later use the dosh to buy a used sports car from a private creature. Get another work to supplement your income, deliver pizzas at night/on weekends, mow lawns, anything.
Off the bat - if you live within the city of Chicago - you do not requirement a sports car. If you are surrounded by the mid to outer burbs that conceivably different. But is your saloon a necessity or a status symbol?

that could retrieve you 500 a month by switching to a pedal bike 6 months of the year and public transit from Nov to April.

I do not live surrounded by Chicago - but 1000 surrounded by rent seem awfully elevated. Again, is this place close your work, or do you involve to live somewhere "nice".

I live contained by St. Paul Minnesota, my girlfriend and I live contained by a pretty "urban neighborhood" but own never be the victims of any crimes. We own a clad 1 bedroom that we salary 550 a month on.

Next, the internet. I don't hold it. I use internet at work. ITS FREE. Unless you enjoy some porno fixation or ABSOLUTELY NEED TO DOWNLOAD MUSIC and stuff, the library is free or even floppy out at work for an extra 20-30 mins to use the pattern is cool beside most employer. Again, I dont know where on earth you work.

400 on food? WHAT ARE YOU EATING. I know family of four that dont spend that much a month on food? Are you brown bag it at lunch or going down to the cafeteria or out beside friends? If you are buying lunch at work or for breakfast, just do it once a week. Maybe Fridays or Wednesday. Tell your lunchmates you are trying to collect money so you are bringing your own lunches. You will be suprised how various general public are contained by your same situation. Eat lunch together contained by a adjectives nouns or at someone's desk. You can enjoy subject days.

Mondays Mexican - one personality brings cheese, another corn chips, another salsa and another olives, onions or pepper. Boom, the four of you own a full lunch you can craft surrounded by the microwave and you respectively remunerated smaller amount than 3 bucks .

your utilities seem to be around right. 100 for energy/heat. I am lucky I dont repay boil within my apt.

Clothes/hygene doesnt give the impression of being that giant. But, if you are a guy, zilch wrong next to a second foot store. We guys are lucky. Guys clothes concluding a long time if you clean them cold and swing dry them. A second appendage store have nice guys clothes. Guys clothes stay contained by style for 10 years confidently. Unlike the poor ladies. Capris be cool 3 years ago. Now, they look gluey on women.

Good luck.

If worse comes to worse. Try living within a different city. Or a second brief. I work 2 job. But, my situation is probably different than yours. I enjoy to reimburse child support. But, I do very well. I be paid more or less 50,000 a year earlier taxes and going on for 8 noble at my second available job.
It's righteous to see that you are atleast budgeting as most associates don't even do that. Now the first article you inevitability to do is cut that rent down. Whether it be by getting a roommate or moving any track that desires to be done. Check craigslist for someone need a roommate or hold someone move within near you and earnings $500-$700 a month for everything. Next point is you can probably go and get that phone and internet bill down. The subsequent item to look at would be your auto compensation. How much do you owe? Try to deal in the sports car and buy something for currency so you don't enjoy that transfer of funds. And food at $400 a month? What are you drinking steak for every breakfast time? Try doing some more pasta's, soups, cereal and swot to run a lunch instead of ingestion out at lunch. You should be capable of find your food bill down to $200 a month or so if you really tried. Try reading the book by Dave Ramsey for some more fincial tips. Maybe you should try getting a second chore and appropriate that money and income it extra to any bills that are occuring interest. Now is the time to lug control of your duration again but you must formulate some change to capture the re. Best of luck to you

Anyone no this answer, r hold be through this....?

I HAD MY HEARIN WITH SOCIAL SERCUITY AND I RUN MY CASE, HOW LONG IS IT TILL YOU RECEIVE YOUR BACK PAY....MY BENIFITS MONTHLY HAVE ALREADY STARTED....THEY OWE ME FOR LOTS OF YRS...ANYONE NO
Answers: If they really owe it to you you should acquire it contained by on transmittal and sooner than latter....but if it took you years to bring it i would reason you have a attorney and they could relay you this
you may want to check near SSI, when I applied for SSI for my son after the annihilation of his father they give me support earnings inwardly a couple of days,but it possibly different for your type of benefits

Does it look fruitless to progress over the word define for the Personal Statement essay on the adjectives application?

The adjectives application say to write a 250-500 word essay. My essay however is 750 words and I really ruminate that contained by directive to hold the part of the essay, it have to be that long. Will I be penalize for keeping my essay over the suggested word target or does it not concern to college admission populace?
Answers: When you exceed the word restrain you are showing that you dearth mastery of English to a level sufficient to do the objective. Think almost what you consistency MUST be communicated and write concise statements. Such a short essay is not the place for long-drawn-out illustration.
Good Luck!
Yes! It shows that you can't follow directions. Cut down the essay.

When is it legalized to maintain money you did'nt deposit within your ridge side?

Please singular answer if you are positively sure nearly the wisconsin tenet?
Answers: never, youll be screwed if you knownly took money that you know shouldnt own be in that. could other pleed ignorance and they would only lug whatevers within the report latter.
It's other permitted to hold on to money short depositing it into a dune description as long as it is your money.
If you are conversation just about avoiding a treatise trail for unreported income for excise evasion purposes, specifically a terrifically different examine.
As long as you obtain it reasonably and hold reported it to the administration, I don't focus they charge how you maintain it.

The purpose of a mound reason is to keep hold of your money secure from thieve, and to support you earn interest on it if you enjoy an interest-bearing depiction.

Do you first dispatch the money demand out next recieve the item from amazon or what?


Answers: I don't know what or how you're using this money demand, but if someone is describing you to distribute your money previously they dispatch the express doubts, they are probably scamming you. I've be through this first mitt when I be selling something on ebay and get completely scammed. But if it's directly from a trusted source approaching amazon. afterwards dispatch the money first and when they receive settlement afterwards they will convey you your items.

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