how you you multiply interest minus a calculator. Example 6 years, 5%, and 25,000 loan.?
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Answer:
with a pencil and newspaper
You can do it manually, but it is time consuming and difficult. There is a formula, but I don't remember offhand. If you don't own a financial calculator, just look on Yahoo Finance. They own a tool for doing this.
Take the 25,000 multiply by .05, divide by 72 (6 years-12 months in each). Total would be 26, 250, monthly would be $364.58all lacking interest of course.
Compounded day by day? Monthly? Yearly? There are different formulas based on the compounding, or if it is even compounded??
You would have need of to know how it is compounded. whether it is monthly or what not. a very central way would be multiplying .05 (5%) by 25,000(amount of loan) and that will offer you how much interest you are paying. Multiply that by 6 (the amount of years).
So if it is compounded yearly your interest your paying is 7500 dollars. That is what I would assume it is. So unsophisticatedly 25000 dollars cost you 7500 dollars.
UNLESS it is a student loan, than it's a whole other story.
yes use pen and article
Is it better 2 use paypal or a personal visa?
Question:
Answer:
Pay Pal will guarantee the funds if you don't receive the goods.
Besides why supply a company or anyone your personal visa information. It's like walking into a Walmart.
why not use both, paypal I find works wiyh alot of companies, but not beside everyone.
Just my personal opinion, but I find PayPal provides an added blanket of insulation and protection with merchants and businesses you enjoy never dealt next to before. And the not as much of people who own access to your credit card information, all the better.
PayPal.
What to do when a transaction at a shop near DEBIT card be decline while the article have a good symmetry?
Question:
I have an influential debit card attached to my savings justification with ICICI Bank within India that attracts an annual fee of Rs 99 (USD2 appx). I bought grocery worth Rs 231(US$5 appx) and thought it convenient to clear with my debit card. The ridge allows such low value purchases as it's a debit card. To my horror, the shop clerk told me that my transaction be declined. Knowing that my report held over Rs 12000 (USD 260 appx) as balance next to no cheques issued or dues, I asked her to try again, which she did twice. I saw the terminal sending request and receiving reply and consequently the transaction being decline. Losing face, I have to pay by currency. Back home, after an hour, I checked my account online. My justification was debit three times but the debits be reversed only twice. I save the data surrounded by PDF and, after ten minutes, found that the account be credited with a reverse entry once again, setting sour the debit. What should I do about the trouble that the ridge made me go through?
Answer:
Probably cause by a delay contained by getting approval. In other words because it is a foreign bank it probably have to pass thru several introduce yourself nodes and by the time the bank approved it the requesting POS terminal (system) have timed out the request. That also explains the reversals, because the requesting POS system never verified the transaction was completed.
Does your debit card enjoy a MasterCard or Visa symbol. If so, you can choose credit button and it may work.
Also, I think another judgment is the bank may be denying the transaction is they reason it is fraudulent. My advice is to ring up your bank and relate them you want to use it overseas in the U.S. some bank require you to notify them to use it outside of your home country. You can also try an atm. Make sure you use one that does not hold your card while you do the transaction. Choose primary credit if your debit card has any a visa or mastercard symbol. If your card has a visa plus, mastero and/or cirrus symbol but the atm does not appropriate this. Try running it as primary credit. sometimes it will work at atm this way. Otherwise try stash. A lot of US merchant will not take maestro but some do.
Does a company "save" or "make" money when they payment on the 1st & 15th versus every other week?
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Why would you think a company would own that option if they don't "save" or "make" money that instrument?
Answer:
The way a company save money by paying twice a month instead of every other week is by having 24 payrolls instead of 26. Their monthly excise liability becomes more even instead of spiking within 3-pay months, which makes it easier to budget for. If they outsource their payroll, as a majority of companies do, they will squirrel away money on processing fees.
To the person who posted that hourly empire get smaller amount money because there are 24 pays instead of 26; you are ridiculous. Employers must foot hourly employees for every single hour they work, no exceptions. If you are rewarded twice a month, then you are compensated, for example, for the hours you worked between the 15th and the 31st, instead of the hours you worked between the 15th and the 29th.
I don't think so as in attendance are 52 weeks in a year. 12 months to a year that medium that you would be getting paid 2x's per month.
However some relatives who get rewarded every other week get salaried an extra time due to there individual 5 weeks in a month.
I feel in the stop it should all even out because when you see your year to date at the downfall of the year and you're on salary it should equate to what your stipend was. If you worked hourly they pay envelope you for all the hours you worked within the past 2 weeks prior to getting remunerated.
It doesn't make that much difference--it is lately how the company decided to set things up. I cogitate it saves them from one or two payroll runs a year, and might breed the accounting simpler (each month would be about the same--there would never be a three-paycheck month).
Saving or Making dont really demonstrate what in actual fact happens.
A company surrounded by fact circulates else's money for an average of 7 days if it is paying at 1st or 16th.
Proportaion of company's own nouns depends on its weekly turn-over.
If weekly turn-over is 50% (as in stores and retails) it vehicle only 50% money belongs to the company and the rest is individual contributored by those who are waiting for payments.
Its really tricky. It does not hurt others much but helps company closely.
It works like this if you nick 52 weeks divided by 2 that equals 26 or 26 paychecks a year, if the employer only pays 2 times a month to be precise 24 paychecks so the employer makes money, this is base on hourly employees just. If you are a salaried employee it doesn't issue how many times a year you are remunerated you are still getting the same amount of money no issue what.
In canada, own be out of business, call for a personal loan 1500-3000 to clear payday loans. h?
Question:
i cannot get a loan anywhere, can anyone sustain? in canada and credit is ominous but cleared due to bankruptsy. i have a full time brief and can pay hindmost
Answer:
Obviously you have not come to the conclusion that you're an idiot.
You claim you lately got through collapse but you have not nonetheless learned to deal with your money. You're a fool, and you deserve to get cornholed by those payday loans folks.
Live inside your means or stop living.
dang that sucks
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Is in attendance any income edges next to a roth 401k IRA?
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Answer:
Be careful - no such entity as a "Roth 401k IRA". A Roth 401k has no income ceiling. A Roth IRA is currently limited to $4000 contribution per year for those underneath 50 and imposes an income boundary of $110,000 if single / $160,000 if married.
I think it's 4K per year --- But you can contribute until April for 2006 and still contribute for 2007
Starting January 1, 2006...
Employers may incorporate a Roth 401(k) option to their topical or existing plans to permit after-tax take-home pay deferrals by all eligible plan participant, regardless of their adjusted gross income.
paying stale someone else's river bill..??
Question:
We moved into our house in the middle of Dec. We go to the water department to enjoy the water cut on, and the woman told us the lady who lived surrounded by the house before us still owed $20.10 and she wouldn't charge us that today, but would be putting that on our first bill. We did own to pay a $ 50.00 verbs fee. We get our bill and there it be Past Due$20.10. Does this seem right that we own to pay her bill even though we freshly moved in?? I own never heard of this up to that time. How can we talk to?? Would you settle it?? Should we have to settle it?? Some one please help.??
Answer:
no don`t pay packet it ,you tell the wet company ,that you are not responsible for other peoples bills ,and that you will only pay packet your own bills they want the othe bill paid later they can hunt down the other person it`s not your responsibility
Usually those types of things are handle by the title company at closing. Some money is set aside to pay the ultimate water bill. But yes, you should enjoy to pay it. Just resembling if the previous owner had put a bet on taxes and did not disclose this to you, if you move in and are notify about the vertebrae taxes, you are responsible for them. You can always sue the previous owner but contained by the meantime you are responsible for those charges. Since most water utilities are handle through the city, they are set up as billed to an address, not a person.
yes. within America, old fees and penalty are passed on to the purchaser. this is to prevent the evasion of fees through selling.
I recently bought a used motorcycle, and be hit for $400 in registration fees and penalty when I went to the DMV. former times owner had accumulate these fees and was inept to pay them past its sell-by date, so instead he gave me a hulking discount on the bike.
I have hear many stories of empire selling things with sizeable fees on them without unfolding the buyer and then running. $20 is not a life-size fee, so consider yourself fortunate.
When it shows up on the bill - copy the bill - accentuate the disputed portion.send that and your complaint message and details to them - return receipt requested..Utility deliquencies walk w/ the person. term. After all, YOU didn't extend them credit (water), the utility company chose to do that... Vigorously follow this throughotherwise you could appendage up w/ a bad ding on your own credit..you don't want to collide then.quarrel it now.
Can I whip out a loan to wage past its sell-by date bills?
Question:
I have close to $2000 of debt that I need to pay cheque off asap so I can rent an apt by august. Should I pocket out a loan to pay past its sell-by date the bills? How would I get a loan?
Answer:
I dream up you've already put yourself in pretty cavernous trouble with the nonpayments. Minimum payments on $2,000 within debt are what, $40/month? Thats only a few hours of work a month. If you can't even cause those payments, how do you expect to make payments on a spanking new loan? Thats how a potential lender is going to look at it. If its a case of you individual temporarily out of work, or something like that, or if you can show somebody that you are getting wager on on track, and that you'll be able to pay packet that loan back, consequently you may be able to seize some sort of a loan. But it is going to be a very illustrious interest rate, and the records of your behind payments won't go away. Not really sure where on earth personal loans like that go and get made anymore...there is a site call prosper.com where loans procure made for people getting put a bet on on their feet...but you are going to requirement to have a right explanation of how you got into this mess surrounded by the first place, and a clearly understandable footprints of how you get out to attain someone there to loan you the money.
There are not that various favorable short term loans beside good interest rate. I would of late look into a second part time work to earn a little extra bread to pay rotten your debt. You don't want to get within more debt by paying off other debt.
you lost me near. Your bills would not go awayyou would with the sole purpose have one voluminous bill as opposed to a few small ones. If they are credit card bills.first try calling respectively of them to make sure you are getting their best available rate. Next look at their stability transfer rates and try to return with as much of your debt on the lower interest rate. Some as low as 0% but usually 6.9 or so. Unless you have a home near equity you don't have lots options as far as loans run.
A loan is usually secured by collaterol, but in some cases One can catch a personal loan provideing you pay it past its sell-by date, or instead, another credit card with a better amount of credit to pay bad the first. But only gain what you can afford= within your money, otherwise you'll get within so deep you can't gain out. I'd think around first.
NEVER take out a loan to reimburse off a loan you will verbs yourself into a deeper hole and will find it harder to get out. If you restrict your spending to essentials and put the rest into paying past its sell-by date your dept you will get straight quicker and when you do verbs to live within your routine and don't over spend again
That would be like buying a Hummer to gather on gasoline.
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Yea travel for it
How can i deal in stuff online?
Question:
I am 14 years old and i want to know how i can deal in stuff i dont want online. how would i go in the region of that? could i use ebay?
Answer:
all the sites are going to explain to you that you cannot until 18
ebay is probably your best choice because it is well specified
Definately Ebay, everyone goes on near. Your best chance for selling doesn`t matter what it is, is Ebay.
ebay, it is alright,
Get your parents to help you. You can pilfer the pictures, post the items, that stuff, but they will have to order the billing and PayPal account. They should also write any email resonses to question, and you will need them to assistance you ship the items.
If you have $500,000 surrounded by your guard acccount, what would you do?
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Would this change your energy in any style? Would you quit your job?How would you live, where on earth would you go, what would you do?
Answer:
I'd achieve myself through Dave Ramsey's Total Money Makeover...
- Pay off my debts.
- Have a 3-6 month emergency fund set aside
- Saving for retirement
- Saving for my step-daughter's college,
- Decide if i want to buy a house or not..
- Invest doesn`t matter what is left
It wouldn't allow me to quit working, but I'd hope to be capable of move from New England back to the South, and find something to do down in attendance.
I would definately not quit my job as I love my employment. I would build a swimming pool for the swim team so they could preserve practicing. I would still live in my little mobile home and preserve on enjoying natural life.
Yes, I would quit my job. I may move to an nouns where in attendance are fewer job but real estate is more affordable and buy as much legitimate estate as I can for my $500,000. Or, if I were young-looking, I might go stale on an adventure -- tour around the Caribbean or something like that.
What you do really depends on your age and if you own children and what you want out of life but go is too short to be working at a job you don't similar to. On the other hand, if you resembling your job, consider yourself lucky and save at it.
First thing I would do is lift it OUT of the bank narrative and invest it. Most savings accounts merely return about 1-2% interest, whereas the stock flea market historically averages 10%.
I wouldn't quit my job. $500K isn't really that much and since 10% return would solitary be $50k per year, that's not enough for me to live bad of (and really enjoy life) I might use some for fun, but not more than $10K.
At 10% per year, it would pocket less than 10 years to own $1million. Then I might consider quitting my job and living stale the returns.
IF i had $500.000 surrounded by my bank i would ask the ground lord to buy his house that I'm currently renting then i will reimburse off my husband and my dept later buy our self a nice car. put money away for my son for him to dance to collage and last if i still hold money left over i want to furnish it to my favorite chirsty children hospital.
How much do you spend on groceries surrounded by a week?
Question:
Single people individual, this is the amount of money spent on a week for groceries for ONE person
Answer:
I single spend $50 or so. I travel a lot and chomp through many meal on the road...or surrounded by the air so that may not be a intensely good representation of singles.
$50-80 on average.
Not single but my wife and I spend going on for $90.00 to $100.00 a week this includes lunches.
What is ACG?
Question:
Answer:
Since you asked this question contained by Finance, I'm going to guess American Capital Group, although the acronym ACG can mean a intact bunch of different organizations.
Alternative Catfish Gaming - a alien club in Vegas?
Citibank vs CitiFinancial?
Question:
Are Citibank and CitiFinancial the same? I don't hold Citibank locations near me, but I hold CitiFinancial places near me.. I am wondering because I may initiate a new Checking rationalization..
Answer:
Yes I believe so. I think anything that starts near "Citi" are the same. Go to their website and check it out.
There are both branches of CItibank Corporation. However, I deem Citbank Financial is a lending institution, not a edge. In other words you can't open an checking side with them.
If you want to wall with Citibank you can do it online. Click this intermingle to open an statement http://www.credit-yourself.com/citionlin...
How long does it nick on brass crate to swing upcoming dollars into solid money?:?
Question:
i have 5.85 of legitimate money and 22 dollars of pending money how ,long in the past it will all be over to the material side?
Answer:
GOOD LUCK..
How can you relate if a travellers cheque is bogus?
Question:
I almost got arrested for trying to brass fraudulent travellers cheques someone sent me, bu I had never even see one before. how can you narrate if they are fake so I can transmit next time?
Answer:
In abundantly of cases it is extremely hard to report a fake traveler's cheque from a actual one. Sometimes the bad ones are in actual fact real but they enjoy been stolen and used. The best entity you can do is to only adopt them from someone you trust and can verify where they be purchased. This is also true of cashiers checks and money orders. You should also consider solitary accepting cash as a form of pocket money. Nothing beats brass!
BTW, ryno_soccer, she did spell the word cheque correctly you moron!
first try to spell traveler's CHECKS correctly
best to do first is to contact the travellers and check is such exist or you can tell the ridge that you received this check, but not sure if it reall or fake. and most of the time if you don't know whats for and where on earth it came from, later is usually is fake. also the amount will be lofty to get ancestors wanted to brass it out.
First of all, why would you adopt something like this from someone you dont know?
Most American express or other checks hold a watermark or something that will appear when you hold them up to the light. Fakes almost never will.