Help surrounded by Calculation APY.?
Question:I have $1319.39 surrounded by my savings sketch and the APY is 3.9%. But I only received $3.23 interest at the first month. Is that amount correct?Answers:
Under no stretch of the imagination is that amount the correct amount if the interest rate is 3.9%. The correct amount should hold been $4.29 approximately, possibly a little smaller number if it is compounded monthly or continually but only a few pennies smaller number. Are you certain that the rate is not 2.9%. The amount of interest you received corresponds closely to that rate.
Other Answers:
APR is the expected rate they will use to add the actual intrest. APY is how much you can expect to get when they compound the interest (depending how commonly they compound it.)
i think the sandbank round-off all the amount and rate
Savings = 1300 / 12 (1 year) = 108
Rate = 3.9% / 12 = 0.3%
108 * 0.3% = 3.24 not exact
bank have masses hidden jargon and conditions. they write in a outstandingly small letters.
Could it be that you're looking at the climax monthly balance to work out the interest? The banks if truth be told calculate sour the average balance for the month.
Hi,
Check out the Savings Calculator on http://www.dinkytown.com/java/CompoundSavings.html to see how the interest rate compounds to breed your savings reason grow.
Good luck!
What is the best?
Question:What is the best personal finance book you ever read that you would recommend to a elevated school student? or websiteAnswers:
Any book by Suze Orman would be a great start. Her most recent Young, Broke and Fabulous is especially good for those underneath 30.
I would also recommend Robert Kiyosaki's Rich Dad Poor Dad. He also one aimed at teens. I think it is call Rich Kid's guide or something of the like.
Good for you for thinking roughly speaking your future. That puts you economically ahead of most of your peers.
Other Answers:
Personal Finance for Dummies, Fourth Edition by Eric Tyson
I am a big fan of these series of books. I am not one sarcastic.
I would suggest "A Random Walk Down Wall Street" by Burton Malkiel, although his contemporary book may be better. Try these four websites for information as well.
Source(s):
http://www.amazon.com/gp/product/0393325350/qid=1152986688/sr=2-1/ref=pd_bbs_b_2_1/103-3145775-9543052?s=books&v=glance&n=283155
http://www.amazon.com/gp/product/B000FUO0BU/qid=1152986688/sr=2-2/ref=pd_bbs_b_2_2/103-3145775-9543052?s=books&v=glance&n=
http://flagship2.vanguard.com/VGApp/hnw/content/PlanEdu/PEdOverviewContent.jsp?gh_sec=n
http://www.fool.com/school.htm?ref=G02A06
http://finance.yahoo.com/funds
http://www.quatloos.com/asset_allocation_guide.html
If a entity collecting SSI go to lock up and reapplied when he get out, would he carry put money on discharge?
Question:Answers:
No. You are not eligible for government benefits while incarcerated.
Other Answers:
no, that income is earn by eligibility, unless fraud is involved in which covering reimbursement to the state may come into play.
My friend be on benefit and he needed $ urgently to settle an luck claim. Can he apply for loan and how?
Question:Answers:
If your friend is still unemployed next no way will he draw from a loan from a legal nouns company.
What type of accident claim does he have need of to settle? If it is a car chance, the car insurance should cover claims against him.
Can't deduce of any other accident claims. Unless it a public liability claim, consequently maybe other insurance own covered him.
The other way is to structure a repayment calendar with the claimant. You can be in motion to www.ccs.org.sg for help on this.
Other Answers:
probably not. in need a job, he have no way to prove to a sandbank that he has the proficiency to repay the debt. the bank will not adopt that he is going to get a brief later and retribution it back. would you?
Maybe your friend may look to his insurance company for a policy loan if he is a energy or any relevant policy holder... most of us has some sort of insurance policy for protection and indemnity ? Call his insurance company to enquire whether they provide any loan for his policy.
Is in that a place to exchange foreign currency for american money?
Question:I have some bills and coins from a trip to Thailand and Vancouver, Canada from five years ago. Is at hand a place in the northwest U.S. nouns to exchange it to american currency?Answers:
Almost any bank will do it. I renovate money all the time.
Other Answers:
Most bank can do that for you.
A bank usually will, also at some international airports.
Most American bank will do it, and at airports, there are usally money changers surrounded by the international terminal.
They do charge a commission to do the change.
Yes.
For Canadian dollar, you should hold no trouble exchanging at any branch of any major bank. However with Thailand Baht, you will hold much harder time finding the banks that'll do the exchange for you. The best bet is to turn to a local travel agency, which is an authorized dealer of American Express Cheques. It may provide the service you are looking for at a satisfactory handling fee. Lastly, I doubt that coins will be exchanged to US money.
Source(s):
From a Thai friend
I signed over a house to my ex-husband. He be behind surrounded by paying mtg. How can I buy a house?
Question:When my credit was run, I found he be late every time and this have adversely affected my credit. Is in attendance anything I can do?Answers:
I would recommend calling Rodney Anderson with CTX mortgage. They do loans contained by 45 states. www.rodneyanderson.com.
He will be able to relate you what options you enjoy and if anyone can get you a loan it should be him. I know nation who have used him and be thrilled with his services.
Other Answers:
No, you are pretty much scr***d. Sorry to hear that.
Go to www.realmoneyideas.com and click on the "Real Estate"
tab. Click on the streamer that says "Save A Fourtune" to see if
they can assistance. They have programs for culture with lower credit
score. (No guarantees but if you don't try you will never know).
Unfortunately the security creation (mortgage) and warranty deed (title) are 2 separate instruments. By signing over the house to your ex-husband - give him the asset but left you next to the financial responsibility to pay. Is he on the mortgage as all right? If he is you need to grasp him to try and refinance it to remove you from the financial responsibility. Look at your credit report and see how many times the payments hold been belated in the final 12 months. If he is not on the mortgage, you need to attain him to refinance it into his own name or provide it. I would keep close eye on this. It is your credit at stake here. You may necessitate to step in and engender the payments to avoid the possibility of him not making payments and the home going into foreclosure. And it does not matter if the agreement contained by your divorce settlement was to confer him the home. You signed the promissory note and you are financially responsible until it is compensated in full.
KNOWING THAT EVERYONE COMES FROM DIFFERENT FINACIAL BACKGROUNDs?
Question:When it's your b-day what is the most expensive gist you recieve and what is it and from who? and how old are you?Answers:
On my 18th birthday which be last year, my mom give me my dream digital camera. A Canon Powershot S1 IS camera that costs $500 last year.
Check this site to estimation how it looks like and why am i still within love with the camera. Yep! this is the most expensive endowment I received in my entire life span and I won't ask for something better.
http://www.steves-digicams.com/2004_reviews/s1is.html
I'm 19 years old very soon, and I didn't receive any gift this year, they're adjectives broke.
Other Answers:
for my 18 birthday i recived 1000 from dad 1000 from mom and 1800 from grandpa. other small amounts from other realtives.
my b-day is Jan. 8TH and i am 13 most expensive offering is jewerly and got from parents
Looking for Banks within the Killeen Texas nouns of Fort Hood?
Question:Answers:
EISENHOWER NATIONAL BANK
1002 W CENTRAL TEXAS EXPY
Killeen, TX
(254) 526-7511
EXTRACO INVESTMENTS
201 W JASPER DR
Killeen, TX
(254) 200-3600
Quicken Loans
Get a Free Custom Rate Quote from America's Home Loan Experts.
1-800 Quicken Loans Web Site Get a Quote More Info Serving Fort Hood, TX
Bank of America
(800) 301-3744 Web Site More Info Serving Fort Hood, TX
East West Mortgage Company
100% Financing, No Doc Loans, No Cost Refinance
(800) 472-1275 Web Site More Info Serving Fort Hood, TX
LendingTree.com
Rates from 6.49%%, Intro rates from 6.00%. Bad Credit OK at...
(800) 529-0362 Web Site Find a Loan More Info Serving Fort Hood, TX
Washington Mutual
Find a location near you.
(800) 788-7000 Web Site Local Listings
IndyMac Bank
Web Site Serving Fort Hood, TX
Wachovia Corporation
Banking, Financial Planning, Managing Wealth, Investing
(866) 203-6870 Web Site Serving Fort Hood, TX
NetBank
NetBank - Banking that's connected as you are.
1888BKONWEB (2566932) Web Site Apply Online More Info Serving Fort Hood, TX
Lending Tree
(866) 547-9329 Web Site Serving Fort Hood, TX
Bank of America
(800) 301-3744 Web Site More Info Serving Fort Hood, TX
State Farm
Web Site Serving Fort Hood, TX
Washington Mutual
(800) 788-7000 Web Site Serving Fort Hood, TX
IndyMac Bank
Web Site Serving Fort Hood, TX
Wachovia Corporation
(800) 922-4684 Web Site Serving Fort Hood, TX
National City
(800) 925-9259 Web Site Serving Fort Hood, TX
First State Bank Central Texas
Home Mortgage Loans - Safe Deposit Boxes
(512) 556-3662 Web Site More Info
FIRST NATIONAL BANK
2511 TRIMMIER RD
Killeen, TX
(254) 634-6254
FIRST NATIONAL BANK
4304 E CENTEX EXPY # B
Killeen, TX
(254) 634-2161
FIRST TEXAS BANK
2200 W CENTRAL TEXAS EXPY
Killeen, TX
(254) 526-7778
FIRST TEXAS BANK OF KILLEEN
704 N GRAY ST
Killeen, TX
(254) 634-2132
GUARANTY BANK
1300 W CENTRAL TX EXPY
Killeen, TX
(254) 526-8880
NATIONAL BANK
4103 E CENTRAL TEXAS EXPY
Killeen, TX
(254) 690-2200
UNION STATE BANK
120 N GRAY ST
Killeen, TX
(254) 634-8181
UNITED CENTRAL BANK
404 E VETERANS MEMORIAL BLVD
Killeen, TX
(254) 501-3388
Other Answers:
i used to live within bu don;t remember the street names. Look contained by a telephone book pale pages lower than bank and in that will be plenty. I think the one I go to was by Luby's
You own ft hood national bank on post same as its national ridge off post. first Texas national 1 contained by killeen 1 in copperas cove . us. bank in killeen harker height copperas cove .
But word to the wise self use usaa bank around ft hood are rip bad artist and will try and take you for what they can beside there bull crap deposit scheme ect. And by all funds stay away from ft hood national biggest con in killeen nouns they will screw a solider in a min . They did me plenty of times.
http://maps.yahoo.com/maps_result?name=&addr=&state=TX&csz=Killeen%2C+TX&ds=n&uzip=76541&mag=4&desc=&country=US&dma=625&cat=fin&resize=l&trf=0&lat=31.11694&lon=-97.727638&mlt=31.11694&mln=-97.727638&rezoom=1&.intl=us&addrtype=12&compass=&BFKey=bnk
If posting this connection to Yahoo maps doesn't work, I basically went to yahoo map, entered Killeen, TX, preferred Financial and ATMs, then clicked on Banks. There are more than 20 locations that come up. Hope this helps.
How can 2 individuals responsibly resolve their money issues?
Question:My boyfriend and I have other had a flawless relationship except when it came to money...any proposal on how to work through money issues.Answers:
Money is the number one issue for arguments in most of adjectives relationships. If you live together and share bills, I think the best piece to do is set up a dollar amounts for which you both deserve a say contained by , for instance purchases over $100.00. All other purchase can come out of an " allowance that you both have weekly or monthly. That have saved abundantly of unnecessary fighting within my own relationship.
It is best to get this problem resolved hasty if marriage is even remotely contained by your future. Money problems hold been agreed to cause like mad of divorces. It is also a matter of trust.
Good luck
Other Answers:
Do you enjoy your own job? If so after you should be handling your own bills, savings and money on your own. If the 2 of you own financial goals afterwards you could set up a joint nest egg account where on earth you could save towards those goal equally. If you live together then divide the household expenses equally (if you take home the same amount of money, but for then digit out a fair percentage base on how much money that each of you make)Best of Luck
Stay in School.
Trade MEXICAN CURRENCY FOR AMERICAN OR EURO?
Question:trade me your mexican currency for american or euro currency, email me at royalsports2005@yahoo.comNO STUPID ANSWER FOR 2POINTS GET A LIFEE!
Answers:
Making a run for South of the Border? Go to a bank and take the Peso. No ones going to trade cash over the internet...at lowest not anyone with "a life".
Other Answers:
Seems a bit breeching of community guidelines
no.
http://www.irib.ir/Health/Image/Constipation-831015.JPG
What's your credit inhibit?
Question:Mine was newly raised to $4900.Answers:
I started out near $400 at 18 and am now 20. My closing date is now $25,500. I've never be late or 'over-the-limit' and other pay past its sell-by date the balance (no payments). But I am not sure why that make your credit score (FICO) so much greater.
My first card be a Capital One.
Other Answers:
It's amazing how much credit they'll give you if you merely asked. A while ago I asked for more credit on one of my cards (just in casing my car needed a primary repair) and they raised it from 2,000 to 6,000 over the phone. I didn't even stipulation to talk to a creature.
i go from 5000 to 12000 on any of my cards
entirely too much
I truly usually pay everything within cash, and I only got a Capital One card. My goal is $400. Gosh, thats embarassing. Oh, well.
How rich is Bill Gates?
Question:Answers:
Rich enough that if he donate me a million dollars he wouldnt miss it.
Other Answers:
You can go to forbes.com and see the index of the world's richest individuals:
http://www.forbes.com/billionaires/
Bill is #1 with $50 billion
Source(s):
forbes.com
really rich. I've hear somewhere that he earns close to a million bucks a hour
He is worth over 60 billion dollars. Warren Buffet is the second richest individual, with going on for 50 billion. Buffet announced today that he is giving 83% of his fortune to the Bill and Melinda Gates Foundation, with the remaining 17% to be distributed to foundations controlled by his children. Bill Gates is retiring from Microsoft subsequent year to focus on his charitable works. Buffet's money, added to the 23 billion he has given, should supply Billy plenty to keep him busy...
VERY, VERY, VERY, RICH
how do you look up avoid assets or money for someone. I can't remember the policy website?
Question:any sites used to find abandon funds and assets for individualsAnswers:
Yahoo have a directory of websites that list this information.
Good luck, hope you find something...
serve near reclaim sandbank charges ??
Question:i have have a bad year really and own given lb90.00 to my bank for atleast 10 of the later 12 months . ive heard roughly speaking reclaiming these charges for going over your overdraft ? apparantly if they still permit you have money when when already over your agreed consideration they are to blame ?has any one enjoy any info on where to look for information ?
own tried some sites on net and not unbelievably informative for my needs !
is nearby a company that helps you beside this ?
they have in a minute stopped me going over my limit as from ultimate week so have no money , no petrol and no food at the moment !
please be nice and oblige with this ......
Answers:
What you requirement to do is reclaim your charges.
http://www.thisismoney.co.uk/bankcharges will help you to do this.
Once you enjoy that money back you will probably be rear in credit and enjoy some money to spend.
Good luck.
Other Answers:
go to
www.MoneySavingExpert.com
there's a division there (search guard charges) which explains how to reclaim charges
They be discussing this on GM TV one morning & said all the details be on their website, I ought to have a look too!
Good Luck, these Banks help yourself to the money far too quickly & don't close to giving it back. The more of us that start reclaim, the better!
Also, beware that if you are succesful within claiming back your charges by threatening officially recognized action, charges which you agreed to contained by the terms and conditions, they may all right close your account.
Try not spending money that you do not hold.
Need info on Silver Certificates and Silver Coins from unpaid 1880 and untimely 1935?
Question:Does anybody out there own any info on silver certificates and silver coins from unsettled 1800's and early 1900's. I own a silver certificate($1.00) from 1935, trying to find out if it is worth anything today and also have a silver dollar from 1880. How do I progress about finding out if they are worth anything?? The silver pass is in pretty perfect conditionand silver dollar is also in apt shape. I am being told that I involve to have them grade and certified to find out the worth of them. Don't know where to progress and how to do that.
Does anybody know about these things and from what I own explained are they worth anything($$$$). Would appreciate some feedback from the yahoo community of people who may enjoy some important answers for me. Thanks
Answers:
Your best bet is to find a coin hawker in your nouns. You can check out approximate values by looking at what the coin and silver certifates are selling for on ebay, or at one of the online price guides. Good luck!