how do you caluclate sandbank per annum interest?
Question:
Hi folks
If the bank have an interest rate of 6% per annum, calculated daily and salaried monthly, and I have $10,000 within the bank, how much interest do I find every month?
Actually, more importantly, how do I calculate it? I know it is not as simple as 10,000 x 0.06.
Any give support to will be great since this could prove very adjectives.
Thank you everyone.
Answer:
10,000 x 6% = 600 per year / 366 = 1.639 daily rate
Thus 1.639 x # of days surrounded by a month. For instance, January 07 = 1.639 x 31 = 50.8196.
Banks use 366 days/year even though there are just 365...makes no sense to me, but this be how the bank explained it to me...have something to do with Leap Year, I guess.
Hope this is of give a hand.
How to construct my cellphone ring on its own,copious times, as though i hold plentifully of friends callling me?
Question:
Answer:
Why would you want to do this?
You can send timed record messages to yourself to stagger throughout the day, and you could engender the noise your phone make with a record message closer to a ring tone...
Give us your number.
Put an alarm
Get a lot of friends!
quit fake the funk
What are the income due requirements for contributing to a Roth IRA?
Question:
is it required that i claim income? i am a barber and work in an adjectives cash business. i pay envelope weekly rent and keep my proceeds as-is. must i claim a undisputed amount of income to contribute the full $4000 to a Roth IRA? must i prove this income with some humane of receipt? i enjoy been investing within stocks, ETFs and mutual funds, so i have to folder taxes regardless. thank you in mortgage..
Answer:
Normally income is reported on a W-2. So if you have $4,000 surrounded by W-2 income you are good. However, it sounds resembling you are self-employed and may not have a W-2. Compensation for self-employed individuals is network earnings from your trade or business minus any deduction for contributions into retirement plans or the deduction for one-half of your self-employment taxes. So my interpretation is that if you report at tiniest $4,000 in lattice earnings as a barber after you can contribute $4,000 to a Roth IRA. However, you should check with your accountant to clear sure. Good luck!
My understanding is that you want at least $4000 surrounded by earned income to contribute $4000 to any IRA (Roth or regular). Note that if you are 50 years aged or more, the limit is $5000.
Being self-employed, you own another option available as okay. Self-employed people can store money tax-deferred in what is agreed as a Keogh account. Do an internet flush on Keogh to find more information about that.
How would you spend $800?
Question:
Answer:
buy me some pork chops and some beer and a pound of weed lol
titty bar.
contained by order:
retribution off credit card
if no credit card debt, repay off vehicle..
if car is free and clear, take-home pay on mortgage.
if house is free and clear give to charity
to lend a hand poor children in africa who enjoy no food.
world neighbors or heifer international or nhimbe for progress
You spend it wisly, by paying out a Dept, you may own or may a friend you have browerd from but some within to savings. as they speak for a rainey day I goud move about on and on, thing roughly speaking it!
I wouldn't. I'd either attain a Certificate of Deposit or invest it.
paying off any debt you own, especially credit cards. by doing that, you are saving foremost interest, and that will be money in the mound down the road you can save for a raining cats and dogs day. in that is no point in putting it funds or a CD if you own debt that you are paying more interest on then what you would draw from from a savings commentary or CD.
Pay it instantly on any outstanding debt. If no outstanding debt, put it into Roth IRA for retirement. Out of sight, out of mind.
sweet road trip
Is here a difference between EE and E stash bonds?
Question:
Hubby has some funds bonds that he wants to translate the beneficiary on the bonds from his ex-wife to me but when I went to the http://www.treasurydirect.gov website and read up on getting the bonds reissued, it say that the beneficiary on E bonds has to sign the forms as okay but my hubbys' bond's are EE. Will that apply to him? She will not sign and we can not afford to take the issue to court. Any info would be greatly appreciated.
Mary in the tiny rural community of Onsted, Michigan
Answer:
A series "E" bond is simply a savings bond issued prior to 1980. "E" and "EE" are one and matching for the most part. The lone major difference is when they be issued. The series will be printed right on the bond itself.
The million dollar question is if the ex-wife is a POD beneficiary or a co-owner.
If the bonds are "E" series, it doesn't thing. Whether the ex is the POD or a co-owner, she has to sign the form to regulation the name (the same applies to "H" series).
If the bond is a "EE" or "I" series, your husband can remove a POD beneficiary in need the person's consent or knowledge. If the ex-wife is a co-owner of the bond, next the ex-wife will have to consent to hold her name removed from the bond.
So base on the information you provided, if the ex-wife is a POD beneficiary (her name will appear at the bottom of the bond fairly than in the address space) and the bond is a series "EE", you can correct it without her consent.
Good luck to you
What is take-home pay companion and how do i procure one?.?
Question:
Answer:
It's a way to transport and receive money securely online.
Get an explanation here.
isn;t that what they use on E Bay. just move about there and sign up :)
Pay Pal is a immobilize way of buying things from your credit card or debit card. The process I did it was to dance to ebay and set up a buyers account and they lead me through the process quite efficiently.
If I'm not mistaken and I rarely am, it is a guy that you come upon that says he is your mate and you expect him to pay for everything. Hence the residence "pay-pal" Now this is just a guess.
Paypal is an picture where you can salary for items online at places like ebay ,you can convey money to people cheaply also.It is allied to your bank details so money comes right out of your account,you can also use credit card connected to your paypal account.So you dont hold to enter your personal details when buying something online
www.paypal.com
Go to http://www.paypal.com
They do not support all countries though.
Paypal is a immobilize way of purchasing items on the internet, but if you keep hold of money in nearby it also has high interest on your money than a COD does and you can take your money out when ever you want to, unlike a COD is set for a faultless term.
The single problem is your money is not insured like the money is at the dune (FDIC). But if that doesn't bother you than get a paypal article, they are really nice, my husband has some of his money within and he's never had a problem and the interest rate is 5.02% for him.
Go to www.paypal.com
if you be givin 50 thousand dollers right very soon how would you spend it?
Question:
Answer:
I would take that and use it for a downpayment on an aprtment complex. Over time apartment complexes contained by nice neighborhoods have risen contained by vaule so you have appreciation. Then if you structure it correctly next income should easily cover any expenses. Also, if you conduct operations it yourself then you own another source of income from the job as rental property head.
pay rotten all my debt. =P consequently invest the rest!
Law school tuition.
And some socks.
I would turn to Pontiac and pay CASH for a Jet Black Fully loaded GTO!!
Pay bad bills. Buy an IRA.
buy a car
Mortage..
Pay stale all my bills, remodle my kitchen and backing my kids. I don't think however that I will enjoy to worry in the region of any of the above. But it's nice to dream.
I have a bill that $50,000 could settle and permit me to move forward. I own a property that has $40,000 moved out on the mortgage. I could pay it bad and spend the balance on the property repair that it requirements. Then I could sell it and run back the mortgage at 7%, The income from this mortgage stipend would knock out the mortgage on my home if I continue to reward the same mortgage I am very soon paying.
pay rotten my student loans...give some to my mom n grandma...consequently i'd travel...
Let me see that 50K first ... I need it inadequately, thats for sure.
The same as what I would buy if I had 5 dollars
I'd unequivocally go next to a Roth IRA. Within 40 years at 9% growth, it would be worth $1,800,000! Good stuff.
Invest it like I do anyway.
Payoff in the order of 1/2 my debt... that's it...
Anybody know how to annul money from your 401k?
Question:
I've hit some pretty hard financial times and would similar to to withdraw some money from my 401k. Only problem is that I've already taken out a loan and getting a hard times withdrawl from them is like pulling teeth. Anybody hold suggestions?
Answer:
You will get a better return on your try by delivering pizzas fairly than taking cash out from a 401(k), since the plan is designed to discourage you from doing so earlier 59.5 by levying monstrous taxes and fees. If you believe times will never improve, communicate to a broker about making "substantially equal payment" withdrawls, you will still be flushing money down the drain, but that's your choice. There's other a better alternative...
If you think you'll eventually be okay, you will can`t stand yourself for losing all that money, though!
Best wishes.
It's impossible to pocket out money from your 401k without facing penalty reaching up to 48%.
One thing you can do is roll your 401k to an IRA statement. IRA accounts are more flexible and have smaller number penalties or even " cost free" in some cases.
Search for:
Penalty free IRA.
Roll over 401k to IRA.
one and only other option may be to refinance your loan...however you would own to pay it rotten under the imaginative note interval. What I would do is borrow enough from someone to payment off the loan. Then lug a new loan (hopefully by very soon you're entitled to a larger amount) and pay the entity back. You'll hold some extra to pay sour your other debts.
Be prepared to pay backbone over 5 years and at a rate of about 10%. But its better than a misfortune withdrawal which you are merely eligible for under unquestionable circumstancessince you don't say what your not easy financial times is I can't say if it's one of those reason.
If you don't have someone that you can walk to for a short term loan next only other chance is to quit.
I live within Indiana is how can i win back from a non profite ruin program?
Question:
Answer:
You should contact your local county bar association to find programs surrounded by your area. The following also have a lot of information in connection with Indiana bankruptcy:
i guess not
What should I do beside my mound details?
Question:
I just get my checking and savings sketch opened surrounded by November, but I'm moving out of town this weekend. I don't want to close my accounts b/c I still will go to college here surrounded by this town and i'll be using my debit card alot here for gas and also the bank charges an rash closing fee on accounts. Should I verbs to a more local bank or hold on to this one? Also, is it necessary for me to reorder spanking new checks? I still have almost 2 boxes of checks disappeared b/c i never use my checks. Will the bank net me reorder new ones? plus, do i of late go into the wall and tell them i'm moving and give an account them my new address? Thanks for any minister to.
Answer:
if that bank have branches in your town, you can use them, no necessitate to close it. if your going to be using the account more afterwards once a month, i would not worry something like it. when i moved, i had my dated address on my checks, i could still use them, no problem. its a pain to dispose of checks on a closed side though.
you could keep the prehistoric account get underway *AND* open a current one in the place where on earth you move. If you open a hot checking account, you cannot use checks from a diffferent guard so you will have to lay down new ones. but if you hold the old checking story open you can use the checks beside the old address even after you move.
Where can i take low interest rate for verbs my credit card stability pls?
Question:
hi there,pls relieve me..i have credit card and match is lb5000.!i m just paying presently only minimum donation because i cant pay more afterwards that :( and its with egg card,they charge 16% :( pluse my credit win is v down now because short of money :( pls put in the picture me what shell i do or there anyway i can money my credit card with low rate to some extent then i remuneration 16% pls?or 0%but if i apply some where they decline me.pls help me?
gratitude
Answer:
try www.moneysupermarket.co.uk or similar. your best bet is to go for a low interest for enthusiasm balance at around 4.75% and try a couple fairly than all within one go as that might put lenders rotten.. hope thats helps xx
call round the citizens advice. they will abet you to deal beside this sensibly instead of switching from one card to another every 6 months. dutiful luck.
If you have a poor credit rating you will not bring back the lower interest rates. Actually you should be happy paying 16%, if your "credit gain is down", it could very economically be over 20%.
try hsbc
Need money early and im despirate?
Question:
anyone know a legal mode to make or draw from a thousand dollars verry quickly its for my 2 yr antediluvian daughter my credit is no good and get no one to turn to i live payment to pay and can barley settle up all the bills any design will be a help for me and her appreciation you and god bless
Answer:
Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you own a bad credit?Are you financialy down.I supply out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I present out long term loan for three to five years maximum beside your interest in this you can as capably tell me the amount you entail so that I send to you the expressions and condition that is if you are realing interested surrounded by getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I donate is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested messages for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we run a loan and pay put money on after duration with the interest, if you are honest I will trust you because I similar to to do business with Honest general public if you are one you will get the loan beside out problem and for your information if you should more loan like $10,000,000m I can pass only if you are one of these cartigories: Manager of a company A private Holder A broker contained by banks A director surrounded by any office or company A dignified investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME: PHONE:... COUNTRY:.
LOAN AMOUNT NEEDED.sen... these info it is key. Mind you loans is given to every part of the world single if i see you to be honest and will pay stern after duration. If you are interested you have to convey the amount you need as loan so that i can bequeath you the terms and condition on the loan for your information loan are given to every part of the pack of the world on honest people so if you are honest apply for the loan very soon at cpc_consultant@yahoo.com
some possibilities---- sell something you own most likely a few things----inconvenient to be minus but if you want it quick you hold to suffer-----get another job not sudden but by the sounds of your finances you need to plan for this within the future----go to a pawn broker he may be capable of advise--pray a lot will help yourself to your mind off the problem and it may resolve beside pray...there are ways you enjoy to choose-----
This is not going to make you rich overnight, but I hold a great career I do from home. It sounds close to you could use a better or second job. The company is awsome and offer 401k, benefits for your whole household and full training and support. I enjoy many parents on my troop that make a living and are still competent to raise their children. I would be blissful to share details if you are interested.
can one database chapter 7 on bills that are common but cant find other 1/2 i inevitability to know A.S.A.P gratitude..?
Question:
my girlfriend wants to record but most of the bills are in both name and she can't find him. can she still file chapter 7 on purely her own bills or can she file on adjectives of them without him? gratefulness..
Answer:
Yes, when she files it will release her obligation to the bills and they will move about after the other person on the bills. Go to the website below. I get alot of help from them when I file. Hope this helps!
She can report a chapter 7 on all bills surrounded by her name, even if they own someone elses name on them also. Once she files the other human being would be responsible for the bill, not her. Her liability on any bills in her signature are gone.
How to put money on e-gold article?
Question:
How to transfer money to e-gold?
Answer:
Why on land would you want to? It's easier to just find a prepaid debit card... most things related to e-gold are absolute scam.
If u want to put money in your e-gold tale, u have to buy e-gold from some e-gold hawker..but if u want the easier one,just buy from your friend.a short time ago pay him the amount of e-gold u requested and he can verbs the e-gold to your account..merely search the pattern for e-gold seller if you prefer to buy from them.
Is it nontoxic giving your # card or mound picture to buy things from Amazon?
Question:
HOW CAN I KNOW?
Answer:
Yes, I've done it and nothing discouraging ever came from it. It's a reputed and trusted website.
I've never had any problems. Bought several things from Amazon.
128 lock sign at the bottom of the page.
Nothing is not detrimental for sure, just fashion sure the only time you ever enter any of your portrayal numbers is when you personally enter the address and be in motion to their website, do not click on any links that you may have received contained by an e-mail. I usually only grant my credit card number when I buy things because most credit cards will cover any fradulant charges.
i've had an justification with my credit card on the smudge for 3 years and not so much as one problem has occur so i would yes it is safe.
Amazon IS a trusted, reputable website. Like some of the other answerers enjoy mentioned, look for a "padlock" on the bottom of the page with a 128 any in or subsequent to it. This signifies that the site is secure and uses 128bit encryption to protect your credit or debit card information while transmitting over the network. Another good alternative is to pay by using PayPal, which is essentially a out of harm`s way clearinghouse for electronic payments. They also use the secured 128bit encryption. If you ever have any doubt almost a website, don't use it.
It should be safe but take home sure to clear your browser after you enter personal details on any site...personally i find paypal the safest instrument to pay for things online,not sure if amazon take paypal though. Good luck