How do you close your prosper justification?
Question:
i accidentally opened an depiction with prosper.com forgetting that i already have one. so now i cant use any because its saying that my information is already human being used. how can i close one? customer service is not responding to my emails or calls.
Answers:
Continue trying to contact them, surely they will respond and dispense you the correct answer.
Can i appropriate my income company allowance hasty i am over 60?
Question:
Answers:
you can take it short penalty but you will be tax as regular income
DO YOU MEAN RETIRE AND COLLECT IF YOU HAVE FILLED FOR UNEMPLOYMENT YES YOU CAN GET YOUR PENSION HAVE FUN AND GOOD LUCK YOU CAN FILE FOR UNEMPLOYMENT AT AGE 62
No. Pension you cannot withdrawal from until disability, retirement or extermination. But once you reach age 59 and a 1/2 you are competent to withdrawal from your 401k earlier retirement or disability without the extra import tax fee. You can choose to clear the 10% tax at the wrap up of the year or pay it when you renunciation.
Remember though this is your retirement monies. You have other option though. For instance most employers allow you to do a loan from your 401k which you discharge back from your paycheck monthly or weekly, and every amount you clear goes backbone into your 401k including interest (and never a credit check since it is your own monies). Or you can obtain a Hardship (have to qualify) and not remuneration back beside only 10% import tax. Usually though a Hardship is to pay medical expenses, buy your primary residence, college or to maintain you from being evicted from your primary residence.
It depends however whether or not you hold 401k with your company. Contact your Human Resources Department for information.
depends on the provider and if you still work for the company,you can't collect a company income if you have human being deferred until state age,if your still working for the company it will depend upon the pension provider company ruling,A company income fund is a good article usually will pay out more than state benefit you want to make sure you can live
IF u have 70k lolly..whats the best route for investing it besides putting within surrounded by a illustrious surrender stash online...?
Question:
Answers:
It depends on how much risk you can tolerate.
No risk - government t-bills
Low risk - bonds
Medium risk - mutual funds
High risk - individual stocks.
These are with the sole purpose a few options, near are many more.
Some contained by 401k, in funds, in stocks and whats moved out I would try to setup a online business. (and of course i would use some spending money)
Take a look on this site http://www.moneyaside.com for some tips on how to bring in money online - work from home - Just Tips No Tricks.
Go to Fidelity, Meryl Lynch, or another broker to set up a retirement account consisting of as a rule mutual funds earning at tiniest 12% over the last 10 years. My favorite funds are those that hold been around since at least possible 1985 and have a return of 15% or more, but they are few and far between. Investing at 12% will niggardly your money doubles about every 6 years. So:
2007 = $70,000
2013 = $140,000
2019 = $280,000
2025 = $560,000
2031 = $1,120,000 Not impossible after 24 years with NO further saving.
Assuming you enjoy no debt, put all of the money into your mutual funds. If you own credit card debt or some other type of loan, pay it stale and then free the remainder. However, the key here is to be paid sure that once your debt is paid sour, don't run your credit cards back up or you'll own just withered your money!
This question is VERY begin to interpretation, so everything anyone writes is an opinion. That self said, here's mine:
The best route depends on your age, how much you have save for retirement, how much emergency savings you own, and how much other savings you own.
The first goal is emergency nest egg. You should have emergency nest egg of at least 3 months of your total expenses. This give you a buffer if you lose your job.
The second aspiration is paying off credit card debt. Paying past its sell-by date a balance on a credit card is resembling investing money and making 18% or more a year on it with definitely no risk. NO investment account is going to distribute you 18% returns a year, especially with no risk. Plus, your credit rating will augment, which will save you money following when you buy a car or home.
Then there's retirement. If you are surrounded by your 30s or older and enjoy little or no money saved for retirement, that should be a huge target. You are the lone one who will fund your retirement. If you need rates savings to bring down your tariff bracket, an IRA may be the best way to move about. Otherwise, a target date retirement fund is your best bet. To get the most out of your money, you necessitate to invest it in stock, bonds, and other traded items, next to proportions changing base on retirement age and the time left until that point. Unless you are a professional, you are much more probable to lose your money managing it than gain any. A target date retirement fund automatically invests your money in the proper proportions surrounded by these markets to make available you the best return on your money with the lowest risk you can afford to rob. As you get closer to retirement, proportions devolution to keep your money safer.
The best place to invest funds can be found through Vanguard. Vanguard have the lowest asset percentage fees, so even when the market is slower and returns are diminished, you are still making more money surrounded by relation to other people because smaller number is being taken for regime costs.
Take the 70k get a self directed IRA flip solid estate tax free within it! Triple it in a year !stipulation info e-mail me
How do i acquire 30 dollars within a week?
Question:
Answers:
MOW SOME LAWNS
work
GET A JOB!
The best help website that I hold found is http://www.mm-review.com They are pretty good. The site is beneath a little construction right in a minute. But the info they have up is great! This site have helped me sort an additional $100-$150 a afternoon! Best of luck!
How can i procure Rs 10000 contained by 6 months by a means of Rs 1000?
Question:
on 26/12/2007 it is my birthday so i want to get Rs 10000 to buy a bicycle if i am haivng single Rs 1000
Answers:
You are the only one that can integer this out. Consider a second job, trade something of pro, sell something you own that you no longer need or want to go and get the extra money.
wish i know had i certain i would have be a multi millionaire by now
Making 10000 within six months out of 1000 is only making a bet. You run the risk of losing all your money as capably.
A cycle will not cost 10000.
Try honestly. Save whatever money you own.
Take a loan to buy a cylce. Repay it promptly.
I own really fruitless credit and stipulation a small business loan?
Question:
i make 50 to 60 thousand a year would still hold my job but would similar to to open a smALL BUSINESS IN MY HOME TOWNANY WAY I CAN GET THE LOAN WITH BAD CREDIT I NEED 200 THOUSAND
Answers:
One of the fastest ways to bring back cash next to bad credit, and little hassle, would be next to a payday loan. Yes they have hideous interest rates but they are taking a risk. This site offers more details in the region of the payday loans as well as assorted sites offering the loans, many in need even a credit check. Do your homework. Best starting point is here:
http://loan.deal4-you.com
Good luck.
NO I DON'T BELIEVE SO BUT YOU MIGHT CALL THE STATE AND ASK FOR A SMALL BUSINESS LOAN
Chances are likely near to get a business loan. Have see lots of people asking info on unpromising credits. Well, if you need to attain your<!--problem solved on bad credit, you must know to how to confront it. Many factor can contribute to someone getting a "bad credit" rating, among these are non-attendance of an account or behind time payments over an extended length of time. Of course, Even if you have discouraging credit, you can get a loan.
http://badcredits.awardspace.com/busines...
You can effortlessly be labelled as a fruitless credit risk by financial companies. This can make it more difficult to-->arrange loans or other nouns, and usually means you will income more interest on any loan you take out.
hello my dear
you hold no problem in getting this loan adjectives you need to do is to try WILLIAMS LOAN INC.they hold done it for me and yours will not be exceptional.williams loan inc.a private money lender give out loan of any amount to poeple at 3% interest rate.clintwilliams13@yahoo.com is their address.you can try them.goodluck
Dr.Brown
u s a
All types of loans are available for students,force and retired persons.Worldwide bank are ready to provide the loans for adjectives.See the website below and apply your required throe on line.
In Regards To Your request for information (Need loan)In the internet they are alot of scams out nearby.I decided to answer your interrogate to prevent you being scammed.
I be once in your shoes and i have bad credit on the other hand I got a loan of $250,000 from an agency online and i be lucky not be scammed.I will advice you to contact Mr.Micheal John a private loan lender be you can get your loan,i get my in 4 days minus having any problem contact them at loaninsurance_coy@yahoo.com Mr Michael Tel:+44 70457 13848
Hello everyone surrounded by the house
i am Mr Tony Wilson a legitimate private money lender i bequeath out loans to those people who enjoy financial problems or dare need of loan for any article at the rate of 3% if you are interested in getting loan contact us via tonywilson99@yahoo.com
NOTE:This grant is open to every boby.
Hello everyone
i am Mr Greg Wilson a legal private money lender i give out loans to those ethnic group who have financial problems or dare entail of a loan for any thing at the rate of 3% if you are interested within getting loan contact us via gregwilson2007@yahoo.co.uk
NOTE:This offer is enlarge to all.
Hello Dear,
I saw your flier on needing a loan.
Why not try a private lend company where i have obtained mine even though your credit gain is less than perfect.They will help you acquire your loan in 6 working days.Their interest rate of 0.2% is simply great.
Here's their email:bemco_investments@yahoo.
If you have a poor credit mark, it is difficult to get a loan from most bank and financial institutions. Credit is usually available only at a greatly high interest rate.Only few companies provide loan next to poor credit score.Check out intertwine for details.
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Hello Everyone,
My name is Mr James Isley and i hold a testimony and i hold told myself, i will tell it to the undamaged world because i was given a contemporary life, i am a father beside a lovely wife and three lovely kids and there come a time in my enthusiasm when my wife suffered from kidney infection and needed a kidney transplant and i struggled and yet i could not lift up the funds for the operation and all my salary checks and funds were going directly to the hospital for her medication and my credit score go down and became so bleak and i could barely nurture as i was newly a young man and basically started my own construction company and my business started crumbling and i needed to save my wife's life span and feed my kids and income bills and get spinal column on my feet and i saw on RunEye.com the personal ad of a loan lender called Mr Peter Andrea and surrounded by all, i said, i will confer it a try and i contacted this money lender and at first i was hunch that it was adjectives a scam because i have hear a lot roughly scams and fraudstars on the internet but at this roundabout in my enthusiasm, i was equipped to take any risk because seeing my wife dying at a snail`s pace and my kids suffering and my business falling apart made my life almost meaningless and i be requesting a loan of $200,000 USD and i have never see such a caring, sizeable and GOD fearing loan lender contained by my whole energy and he increased my loan to $300,000 USD because he felt for me surrounded by my situation and before i fresh it, the total transfer of $300,000 USD be deposited in my sandbank account and it feel like i be dreaming and when i withdrew and go to the doctors and by GOD,S grace my wife made it through the surgery and i settled all my home problems, i realised that Mr Peter Andrea was a GOD sent lender and i will never stop until, i report it to the whole world because GOD used Mr Peter Andrea to make available me and my family a exotic life and if within is anyone of you out there who may be surrounded by my situation or even worse, i want you to wipe away your tears and know GOD can do it for you and if you are genuinely surrounded by need of a loan and you are a serious minded entity, i advice you to contact Mr Peter Andrea via peterandrea12@yahoo.com
Hello,
I want to appreciate RunEye.com for connecting citizens together and share their ideals, I applied for loan in sandbank i was turned down and i tried different financial firm online and the out come be a hot scam that almost cost my life, Just of recent i discover RunEye.com and i ask a cross-examine if anybody knows where on earth i can get a legit loan, and i receive several response. To God be the glory that i approved to choose Standard Assurance Loan Company, when i saw there loan processing i be afraid of been scam again, but at ultimate i decided to try and thank God that at the cessation i was granted the loan inside 6 working days. You can also apply if they still have funds to lend out via email (standard.assurance@yahoo.com)... Once again i'm clich¨¦ big thanks to yahoo examine and answer.
Mr. Johns Walls
Hello viewers,
I am Ford Gate,my firm my firm gives out loan next to 3% interest,we also have a funds base of $50,000000 set aside to give a hand those who need one.ford takings lending is a subsidiary of ford total admission money group of company.for more information contact us via our E-mail info_fordgate@yahoo.com.
diligence is our watchword
THANKS MANAGEMENT.
Hello everyone
Is TESTIMONY time 4 year ago i ment a loan lender who save me and my home,our situation was so fruitless that we were trown into the street because of fruitless credit and there be no finances to pay for our house rent, and medical caution until this man called GREG WILSON who give me loan to take prudence of my financial problems,pls if you have any financial problem contact him via gregwilson2007@yahoo.co.uk for he is GOD sent to pick up peoples life.
Hello friend,
To adjectives that need loan,
Read this it will be extremely good you know this. I be just resembling you when I needed loan at all cost I sent an application to the hill for a loan but it was turned down since I be having a enormously bad credit the end place I contacted that granted this loan to me without any requisite was diamond loan lenders they offered me the loan contained by just 48hrs dough I be able to get together up with the company's vocabulary and condition of the loan I am recommending it to you today because they help me and I trust them they will help you as okay I still have the company's email: diamond_loan_lenders@yahoo.com
My moniker is Maria, and i saw your question something like needing a loan,In the internet they are alot of internet con-men out within.I decided to answer your cross-question to prevent you being deceive
I got a loan of $100,000 from an agency online and i be lucky not be deceived
Contact them via email kestloanholdings@yahoo.ca... interest rate is slightly affordable is simply great.they use a yahoo email account on our request because its make contacting them easier
ISAs......?
Question:
can you make BACS pocket money with an ISA details
Answers:
Most ISA providers will allow you to 'register' details of your own Bank Account and will then adopt electronic transfers (direct from that account).
However since ISA providers are required by law to confirm money comes from the individual who own's the ISA .. no, you can't carry 3rd parties to product direct payments.
I think you own to transfer the money to your current information first
How do you find out if someone contained by Alabama have a will?
Question:
I live in Texas, Person lived within Alabama and said they were departure me something. I has be 4 months since she passed. It was not much, but momentous to her and me. Thank you in mortgage.
Answers:
You could contact the probate court in the Alabama county where on earth she lived to see if there enjoy been probate proceedings started for her estate. For instance, here is the website for the Jefferson county probate court: http://www.jeffcointouch.com/jeffcointou...
It may be that the executor lately doesn't know how to contact you. Or, it may be that just because she 'said' she be leaving something to you doesn't anticipate that there be a will, or if there be, that it was updated to include that bequest.
ring up the probate court in the county where on earth she resided and ask if a will is being or be probated for the estate of the deceased
they may bestow you a copy for a fee if near is a probate file
How do I figure an annual percentage relinquish base stale quarterly returns?
Question:
I am looking at some of my investments and have calculated what their quarterly returns are, but I want to know how to add the yearly return base off of those quarterly returns, while taking compounded interest into information.
Its similar to finding an APY, but the difference is that the rate of return is changing every quarter.
For example: if I return 25% every quarter, that doesn't scrounging I had a 100% return because I haven't taken into description the compounding interest.
I want a formula that DOES take that compounded interest into depiction. Thanks
Answers:
The best method to compute such a return is to use IRR (internal rate of return) using a spread sheet like Excel. For instance, you would lay out your brass flows like this:
-100 (Initial Investment at length 0)
+6.25 (first quarter's return at 25% per annum)
+6.64 (second quarter's return at 25% per annum)
+7.06 (third quarter's return)
107.50 (fourth quarter's return + return of your principal)
The internal rate of return for this series of cash flows is the let go which would make the web present value of the bread flows equal to zero. For these currency flows, the return is 27.3%
Note: I assumed the rate of return was 25% per annum surrounded by this example, not 25% each quarter (or over 100% per annum).
The easiest route is to just find out how much you earn and divide by the amount you started with and multiply by 100 for the percentage.
e.g. Start near 1000, and the end of 4 billet my dividends equal 185, then my APY is 18.5%
Excel will probably do it near one of it's financial functions..
long hand
podium figure voice 100
Q1 return say 20% = different base (100+20) = 120
Q2 return vote 10% = new remnant (120+120*.1))=132
Q3 return say 10%= strange base (132+(132*.1)=145.2
Q4 return voice 25%=145.2+(145.2*.25)= 171.5(Total Return)
Return = (171.5/100)-1 i.e. (Total Return/Original Base-1)
= 71.5% in this example.
IM GETTING evicted from my home what should i do?
Question:
Answers:
Every community has set rules for evictions. You enjoy to go to your city meeting room & ask for the department (like the rent control board, etc) or legal dept. to find out who can backing you. If you cannot afford a lawyer ask the local Law Association (look within phone book) for Legal Aid. They should be able to give support to you. As a home owner with one apartment to rent out, I know it take years to get a tennant out --it's not straightforward for the owner so go find out your rights right away.
To some of you others, she may own paid her rent but if a investigational owner buys a building & wants her out, they can evict for almost any foundation but it does take time -up to 3 years. they cannot put you out on the street --call the sherrif's department to see if theycan steer you within the right direction to get give support to. I really do wish you luck --it's upsetting to be evicted. I went through it when general public bought the house I was renting contained by & wanted the rooms for their relations.
try to find another house. Next time pay your bills...
if you can't turn to myprivatedorm.com
make some currency there
Why you are evicted? is it because you enjoy not paid your rent, other bills or any criminal cases? Please check next to a lawyer.
Get a damn duty and pay your rent.
Oops...I said the J word didn't I?
You have need of to start looking for other premises in which to live hastily. You do not state the reason for your eviction, and, reasonably frankly, it is irrelevant in an eviction. The landlord(s) own no obligation to verbs to rent to you, once your lease expires, even if you honored it faithfully.
What is a pregnant 12 year feeble to do?
You r such a liar
I own the same response that musics_biggest_fan have. Why are you lying? Look I know you want attention, but you're looking for it in the wrong place. There are nation on here who are trying to help you and you of late constantly keep lying. Go transport a nap or read a book.
Credit Cards Affecting FICO Score?
Question:
Hello everyone.
I am about to purchase my first house and am trying to optimize my FICO win.
Currently I have 3 credit cards. One is a Discover Card (I hold had since 1999), another is a USAA card (that I've have since 2001) and the 3rd is an MBNA card. The first two I don't ever use anymore and the MBNA card I use for ALL purchases.
I have hear some people say-so that canceling un-used cards can have a positive affect on your FICO mark. Another school of thought will voice that keeping credit card accounts with a long history, whether you use them or not, will enjoy a greater effect. Just as part of my preface, I ALWAYS recompense my FULL balance at the finale of each month.
My question: I am wondering if getting rid of my old cards is better than keeping them when it comes to my overall FICO evaluation? If keeping them is better, is it even better to use each one routinely? Also I've hear it can help to capture an AMEX card, due to their high qualify standards and requirements?
Answers:
While the credit companies do like to see that you don't own too many cards, it is major that you DON'T cancel the cards that you hae that you're not using. You can cut them up so that you don't use them, but don't beckon the companies that you have the cards beside to cancel.
The object being is that 30% of your credit chalk up is based on how much credit you're using (how much you owe on adjectives the cards) as a percentage of how much credit you have available (the sum of your credit limits). If you quash the cards you're not using, your amount of available credit goes down. And even though you're paying bad the balance at the shutting of each month, they will factor doesn`t matter what your balance is on anything day they look at it, so it's historic to have as much credit available as you can.
Also, as another tip, a few months previously you go to purchase your house, send for the credit card companies you have and ask them to bring to the fore your credit limits. if you're within good standing next to them, most are more than happy to do this. This will elevate your available credit and help your gain.
Check this web site that have an article about what go into your credit score:
http://www.bankrate.com/brm/news/credit-...
Good luck!
do not attain a new card it open another line of credit
do not invalidate the one from 1999 and 2001 if you cancel those lines it eliminate a long history. if they were cards from best buy that you have for 3 years or less that might be righteous , but long history are good to keep hold of. do not pay thae set off in full every month - ut does not show history any - pay 90 % of it the the other the subsequent month. That also shows that yo can pay in good time and developes history
Closing your credit cards can help because it decrease your DTI (debt-to-income) ratio. A bank unanimously does not want to see you consume more than 40% to 45% of your income. Ex. If you make $1,000.00 a month and spend $30.00 a month on your credit card a month minimum, the wall would consider your DTI to be 40% if the monthly payments for the home you are considering purchasing will cost $370.00 per month. Your chances of getting this loan become a further stretch if you own poor credit or two other credit cards open beside a minimum monthly payment that would put your DTI at economically over 50%. Even though you are not using a credit card, it is often times counted against your credit because the cards are available for use at any moment. A $0.00 symmetry now cannot speak for your emergency or "It's on public sale!" use of $1,000.00 after purchasing a $150,000.00 house.
Keeping the cards open provides depth contained by your credit history; having over $1,000,000.00 loaned to you at age 18 and paying it vertebrae on time by age 19 will not provide as much impact as borrowing $100,000.00 over several years and paying it regularly and prompt.
Paying everything back precipitate does not always work as ably in your favor as much as you come up with. Banks, credit card companies, and the likes are contained by business for the same drive as every other business, to make money, and they cannot do that when you run down their charges and fees. Early payments tie in part into the depth perspective.
Talk to the credit lender about how respectively scenario would improve your likelihood of getting the loan (if either stands to inhibit you to set off with). Closing the credit cards or keeping them open may not be the grill that needs address.
I save have a payment of 89.00 contained by my hill commentary for ics debit, how do I find out what this is for?
Question:
Answers:
Call you bank and if you didn't brand name the transaction dispute it...
Try seeing if your bank can track it. Some companies are practically impossible to find though.
You should ask your sandbank why they are charging this fee. You should not be charged if you own not approved the fee. However, these fees are commonly hidden contained by the "small print" of the stuff that we sign.
ummm, I'd call my ridge.
What is a perfect nest egg plan for a Teenager?
Question:
I am sixteen years old, and I am trying to swot the importance of abiding. Should I simply have a nest egg account, or should I invest my money? Should I start a hoard bond, or open a disc?
Answers:
Jen-
Good question! It depends closely on what you're planning on using the savings for. You want to cause sure you ahve a way to find at your savings when you have need of it. For instance, if you put your money in a disc, it will be tied up for months or years, and if you put it in an IRA, that routine you've dedicated that money for when you retire, which is central, but not if you were planning on using it for something else.
I would opt first what you're going to do with it, and if you prefer you're not sure what you're doing with it, I would find a virtuous savings details (even one online, where rates are complex, at companies like ING Direct and Citibank) so that you can earn some money but still find at your money when you need it.
If you're abiding it for college, let's say, afterwards a CD might work for a minute frame. if you knwo you're going to school within 2 years, you could put some of your money into a 12 or 18-month CD to maximize your money. You want to be careful going on for investing in riskier things (mutual funds, stocks, etc.) if you involve the money soon, because if what you're investing in go down, you may not have the time for it to turn back up beforehand you'll need it.
Hope this help - congratulations on trying to save - some population go their together lives without research the importance of abiding!
Open a IRA at a Fixed lifetime 5.5%APR. Invest either $2,000 a year for 4 years or one lump sum of $8,000. By age 55 1/2 given that you dont touch the IRA you will hold approx $1.2-1.7MILLION dollars.
Steelerdude has the right model, but $4000 a year for a sixteen year old could be nearly 1/5th of her annual income.
Try channel a savings article, and depositing 10% of every paycheck into it. It doesn't seem approaching much, but if you keep doing that, and you don't cancel from it, then you will hold a nice savings information going.
When you get elder, and into the 40 hour work weeks, then you can start looking at 401k plans and long-term investments.
Open up a student checking plan and verbs most of your money into an online account. I use ING and it give me 4.5% and you can keep accumulation. In 2-3 years, you'll be glad you did it as the interest will just keep hold of building up and your college will become a lot cheaper.
Is within such a point as a PayPal credit card?
Question:
Is there a specific credit card that you can gain that is just used in conjunction near PayPal accounts?
If there is, would anyone beside a PayPal account be eligible to take one regardless of geographical location?
Answers:
Yes, and Yes, but it still comes down to credit check.
There is a MasterCard with the PayPal logo on it. You can see it here: https://www.paypal.com/us/cgi-bin/webscr...
Yes, nearby is a specific credit card for PayPal and yes, it scares me. I would not want to catch one because their idea of keeping member safe from fraud is laughable. My own credit card company insisted that I close my justification to prevent a potential fraudulent sale stale of E-bay (E-bay sent the fraud alert e-mail). PayPal told me that I shouldn't have deactivated my credit card because PayPal have no proof of fraud and I could be in trouble. Hmm strange that E-bay owns PayPal and they don't consult to each other. Stranger still that my credit card company freaked out.
Yes, but it is more resembling a check card for your paypal account, instead of your ridge account.
My mom is looking to come out of retirement, she have worked within Procomm, but ancestors want to know something like excel.?
Question:
What is procomm? When she gets asked she doesn't know what to influence, it was the program they used where on earth she worked in another state for 25 years, it be ordering and tracking information, I'm thinking it's like an excel spread sheet, does anyone know for sure or what compassionate of answer she needs to supply.
Answers:
I am not familar with procomm, but I am near excel.
Many times the concept of a thing is transferable to another piece.
For instance:
If you know how to paint in oil, it will be easier for you to learn to paint surrounded by water colors after someone who is starting from scratch.
Tell the truth.
"I enjoy worked for X amount of years in procomm. Although I own no excel experience, they are basically indistinguishable program and I doubt I will have much trouble adjust to it."
In Excel, if you wanted to make a payment 2 numbers together,
.. A B C D E F
1...2
2
3.... 2
4
5
The formula would look like this: =B2+D3 and the answer would be "4" where on earth ever you typed the formula.
Is this how procomm is used?