Moving to Italy, paycheck will verbs contained by the US, any cheap track to verbs money?
Question:
We will be moving to northern Italy, close to Milan in a couple months. My husband's work is transfering him within, he will get his pay in the US within US dollars, and we are looking for a way to engender that money readily available contained by Italy without have to pay excesive fees. Any information in the region of a reliable service that does not requiere paperwork everytime we need the money will be great. Thanks.
Answer:
You could pay cheque with your credit card for things, after when the bill comes, pay online using your home details. Or withdraw money using your debit card. Make sure to enjoy a debit card before you set out the States and you can pay for alot of things nearby with it. Check first though, some places within Europe are picky about credit cards (like just accepting the EU card). We are military living in Germany, but we own a US account on remains we use. Debit withdraws are what we tend to do on vacation in Europe. The fees aren't too bleak. Only issue with using a card to purchase is the international exchange rate fees (usually smaller amount than $2 per transaction). Most banks and credit card companies in a minute have them.
As a cheat, phone call your bank and hold your account set up to cancel a large amount of money respectively month (most ATM withdraws are constrained to $400-$500). You could do this once a month and pull dosh for what you need. Or hold your limit lastingly raised and put your debit cards contained by a safe, afterwards use your credit cards for everything else.
I do more or less like thing.
Have your US sandbank give you an ATM card and sort cash withdrawal in lire when you inevitability it.
I use a brokerage firm that reimburses me for ATM fees I pay and you bring back the best - almost the wholesale - currency exchange rate.
You can also open a hill account within Italy and have some of your money deposited their any by wiring it or writing checks.
This might be advantageous in paying utilities and the approaching, but watch out for excessive dune fees - they can eat you alive.
I would not save a major portion of your funds contained by an Italian bank. Their currency is constantly human being devaluated.
Use the VM ATM Debit Card and transfer funds for merely $3 per transaction anywhere in the world. I love it. The check can be direct deposited onto the card because it have a checking account attached and you can verbs the funds from that card to your card in Italy. No paperwork, of late a click of the mouse.
What is a dutiful passageway to build up my credit history?
Question:
Answer:
Small loans are a good channel to start, but they don't always win reported unless you fail to earnings. Sometimes you have to request that they report them! You should ask up front if it will be reported when you remuneration on time. While second-hand goods cards like department store cards are not usually honourable for you financially, they are a good process to build credit. If you have not anything credit, you might have to acquire a secured credit card (meaning you pay a deposit on it). Shouldn't thieve long with one of these formerly you can get other credit. Beware of applying for too tons cards, this can negatively impact your credit rating. Check out the bureaus, they all hold information on how to build and improve your rating.
Start small: For example a $500 loan from your edge.
puzzles
in direct to increase your credit you must show a steady payment of something boughtno grant delays other on time...paying stale more than you should at each due return things like that
by something cheap on timepay it past its sell-by date in the time allowed. buy something again, single just a touch more expensivepay it off contained by the time allowed...work your way to borrowing from a edge...pay it rear in the time allowed...you enjoy to start at the bottomand never pay a loan stale early while trying to establish creditif you clutch the time allowed, it shows you are reliable and trustworthygood luck.
Apply for a few credit cards. (Just don't use them)
Like others saidmake regular payments on debt. A friend of mine took pride in other paying cash for things. But he feel badly when the sunshine came to borrow money and he could not qualify because he have no credit history of making on time payments.
If you can't bring a credit card yet.get underway a small debit card with one of the credit companies and take home regular payments. Make sure they report your good deeds to the credit bureau.
I took out a small loan from guard years ago to establish credit. Made on time payments. Later on I checked my credit report and that rewarded off loan be not there to assist me. Then learned the guard did not report the regular payments. That wouldn't help me. They offerred a 'letter' but to be exact not the same.
There are three crucial credit bureaus and all should be checked from time to time. USA residents can gain a free report from each one annually.
You will also want to check your credit win eventually. That is a biggie when seeking mortgages, etc. You may have to earnings for it but its worth it. Why shouldn't we know what is being reported give or take a few us behind our back?
From my past experience within raising my credit gain. Establish a banking relationship, import open a checking and in your favour account if you haven't already. Then see if your hill offers secured credit cards that you can enlarge a seperate savings sketch to secure a queue of credit. If you're able to to do that, keep hold of low balances and recompense it off every month if at all possible.After a year or so, the card will be converted to an unsecured account and you'll own your initial deposit with some interest to boot. Another substitute is to apply for one or two department store cards that offer "instant credit". Chances are, you'll know how to get one of those. Another piece is to ask a friend or a family beneficiary to add you on one of their accounts as an "authorized user" but you don't hold the card. Now you have to mind your Ps and Qs who you ask, reason human being is that you don't want to have someone who's nowhere in the neighbourhood as responsible with their credit. It would be approaching the blind leading the blind. Also if you're competent to get your hand on some extra cash, accessible a CD through your dune and then apply for a installment loan and use the compact disc as collateral. Don't use the money that you borrowed, just simply breed payments early and habitually. One final suggestion is to visit this website. http://prbc.com/consumers
This is a reporting agency that you can enroll within to have any intermittent monthly payments reported every month, complied into a score and use within addition to your traditonal credit reports. There's too much information on that website to discuss on here, but I'd strongly suggest checking it out
Pay your regular bills on the dot (electric, phone, etc.). A loan or credit card is not required to build credit history. Remember credit is only needed when you buy things you can not afford, except a house. If you can't afford to pay packet cash, you probably do not stipulation the thing.
Are the credit scrutinize programs that monitor any suspicious entertainment. any fitting?
Question:
Answer:
I have it for my credit report, but normally there are no transactions that hit your commentary, so it seems close to wasted money to some, but I find it a great tool to engender sure my credit isn't going the wrong way.
what is a suitable credit repair for ancestors next to impossible credit.?
Question:
Answer:
Paying your bills on time for one. Patience as the repair will purloin time. Don't incure any new debt. Get near the people who are reporting distrustful history for you and work out a deal on paying them spinal column.
There is no quick fix company out within that is going to do more than you can. You only just have to negotiate beside the bad debts and stick beside your agreements and committments.
The best credit repair is self help. You can resolve your credit woes on your own by erudition more about how credit works and afterwards taking the necessary arrangements to fix or improve things.
Most population don't know the simplest of things to keep their credit mark high, or amend a low score.
It's really comparatively simple, and makes 100% sense once you read nearly it. Always avoid credit counseling because the very use of such as service lowers your credit mark and makes you untouchable to other lenders lower than the credit counseling contract.
Learn about credit at http://www.thetruthaboutcreditcards.com...
I use to hold very unpromising credit, this is what i did. A friend suggested using, www.repairmyfinance.com. Its an info web site you do own to pay close to 15 bucks in charge to access there 295 page of info but its worth it. They walk you thourgh the steps within order to modernize your credit. I got my first credit card surrounded by about a month. Oh and by the bearing there no such article as someone els repairing your credit for you, they are all gimicks.
Depending where on earth you live, a prepaid - secured - Visa or Mastercard may help : http://index-go.com/prepaid-credit-cards...
Can anyone please give support to me near my money problems?
Question:
Hi everybody i hate to ask but could anybody please bestow or borrow me some money, my husband works full time and i stay home and take protection of my 3 kids, if i got a charge outside of the home it would cost me my paycheck just for daycare. so please if you could i will even settle you back, i am asking because nobody that i know will oblige. Thank you and god bless you
Answer:
why not get a opening selling avon or amway? there are better ways of going roughly this. i know people who will work 2 job to make ends run into. try.
we don't even know you
Hi there,
Try have a look at Prosper Loans.
Cheers, ToNy!
Nice try hon. Good luck with this one.
LOL
Tell your husband to acquire a second job
Try this site it have loan info, it's help you hope for your problems adjectives the best
How much should I ask for to babysit?
Question:
I need to know how much to charge for babysitting, how much do you charge?
Answer:
i other felt discomfited in asking for a specific price...so i a moment ago let them recompense me what they think is reasonable..
I pay 10 dollars an hour
10$ is a well-mannered price.
depends on how many kids...how dated they areand what you are expected to doif you are feeding bathing etc or if you are basically watching tv while they sleep.$5/hr is decent .depends on your age too
five dollars respectively hour
Depends on how many kids and how long. I roughly ask for less than $5 an hour, but I administer more than $5 an hour when I get a babysitter. It also depends on if you are responsible for making dinner and driving the kids anywhere.
I freshly get an E-mail which say I enjoy won 250$!?
Question:
I am actually really excited can this be true? the suspicious thing going on for it is that it asks 675$ to pay the check!
The grounds?
PLEASE DO NOT REQUEST THAT THIS CHARGE SHOULD BE DEDUCTED FROM YOUR WON CHEQUE, IT WILL NOT BE HONORED, BECAUSE YOUR WON CHEQUE HAS BEEN FULLY SIGNED DIRECTLY FROM SUBURBAN BANK AND TRUST COMPANY NEW YORK.
Answer:
Look...it is a scam...if you send them a check...they own all your personal information...name...address. numbers...etc. If something is legitit requires zilch from youwise up.
Throw away the mail.
its a scam
Delete it.
Run away from this. It is a scam. They will ask that you dispatch them money then you will never hear from them again. Send them zilch, and delete the email. Don't even respond.
Did you enter a contest to win the money? It is a scam most likely.
It sounds similar to a scam to me. I get emails that read out I've won money too, but I never entered any online contests to win such money, so I know it's a scam right bad the bat. Don't be taken in by any such emails - only delete it and forget it.
If you answer that and accept, consequently look in the mirror and you will see a special headdress sitting on your head.
This is a scam, and don't stir falling for that. You're right to be suspicious. Delete it, and don't worry in the order of it. There isn't anything coming your way contained by the form or fashion of money.
pay no attention to it ----all BULLSHIT
SCAM delete it and report it
It is what is itA SCAM...STAY AWAY FROM it.by law if you've won anything beneath US LAWS you don't have to provide anything surrounded by return but the tax on it...OTHER WISE FOOL BEWARE!
i get an email from a man who was apparently below par who wanted his money to run to charity he said he had no family unit so wanted me to look after it, he used my christen an every thing but consequently a girl i work with get the same email near her name don't other trust it not unless they give you some sort of sure path that tells you it's true.
Um... it sounds similar to a scam. Things like this usually are. I suppose it newly depends on how legitimate the e-mail looks, and whether your feeling like to give up 675 dollars, but I for one enjoy heard of lots of associates getting scammed by e-mails like these, but I've never hear of anyone actually ahead something. Just my opinion.
hey u wasn't born yesterday. right? agree to it be .
You are about to become another VICTIM unless you revise what to watch for online. I address about for a moment eBook that can save you a fortune on my 360 page.
Of course this is a scam.
There are thousands of these floating around. I wrote an article almost this some time ago which is still at:
http://thin.msterminalservices.org/scam
You never get nil for free. International lotteries are illegal, and at hand is no check from Bill Gates coming your way.
Delete the email. Check the snopes site below if in that is ever a doubt.
Can true. Chances are it is spam or a scam. Don't bother with it and don't present out any vital personal information.
Long and short...S C A M! Do NOT move about any farther, just put it contained by the trash or recycle it, of course, rip it to shreds so not a soul can try and take your info. :)
Never beleive those things. It's other TOO good to be true. I get something like that contained by my mail from a coup¨¦ dealers and when I scratched it I call them and they told me I won $1000 and they "weren't kidding." So I drove similar to half an hr to win there and it be a loan for me to buy one of their cars.
I DIDN'T WANT THEIR CRAPPY CARS ESPECIALLY WHEN $1000 OFF DOESN'T MAKE MUCH OF A DIFFERENCE WHEN BUYING A CAR- I WANTED THE MONEY! lol
Never believe these things ESPECIALLY if you get it contained by an email. Believe me you'll get at least possible a million more of those.
And some of them even screw up your computer if you unseal the email. BEWARE when opening these. I never do. I delete adjectives my junk email. Once I open it and got a VIRUS on my comp. Had to buy another one. If you break open other emails like those, once you embark on that email, you'll ALWAYS get annoying pop up ad much like the ones surrounded by your emails. They're annoying and you wanna avoid them as much as possible.
So my advice to you- don't even bother first the email just delete it.
not with the sole purpose should you not send money u should provide to the police it is a well certain scam. mail fraud.
This is a scam
Can I carry a repo, refinanced?
Question:
Lets say they come and repoed my car, can I find someone to refinance the remaining symmetry? Its less than 10,000 disappeared on it
Answer:
if your credit is not already screwed~ then you may know how to get a loan from somewhere else and buy it stern ... or sometimes you can work something out with the untested loan company it wouldn't hurt to ask.
I would guess NO, because all liens against title must be payed
past its sell-by date before any loan company or wall would set-up another.
With the computer systems now surrounded by play, that will never happen.
They will find existing loan as soon as they type surrounded by your "Vin"
info.
If it just happen and has not hit your credit report but? There is a chance that you could do this. Best to check next to your own bank or local credit coalition. Just don't tell them that the vehicle have been repossessed.
First your going to hold to pay the missed payments plus towing and storage purely to get the vehicle back. consequently you can try refinancing with another company. If your vehicle has not be auctioned off already.
Let me start beside the repo situation. Usually if you call the sandbank, they will give you a secure period of time to compensate off the debt contained by full if they have already taken the vehicle. It is usually a week or so. After that, they convey it to an auction.
As far as refinancing goes, you hold to realize a couple of things. Number one, if you have missed plenty payments for the car to be repossessed, after your credit has more than credible already been artificial. You may want to see if someone would mind co-signing with you. Number two, refinancing cars is rock-hard to do because banks will usually individual finance up to a dependable percentage of the value of the vehicle. If your sports car is not even worth the amount that the payoff is, then you probably won't know how to get a loan to remuneration if off. To check the meaning of your vehicle, you should visit the website for Kelley Blue Book.
Is goldpayprofits a scam,because i invested $25 and couldn't clear withdrawal?
Question:
i invested $25 for a 35% interest for 5 days with the hope of withdrawing after but when i requested for a renunciation,they only sent a correspondence to my box and nothing be in my e-gold justification.please is this a scam?
Answer:
Websites offering high interest rates similar to this have to be fake. No one can legitimately offer rates similar to that. These "High Yield Investment Programs" (HYIP) are scams. I enjoy never heard of a legal one. They use E-gold because it is harder to get your money pay for. The US Treasury department considers the phrase "high abandon investment program" a red flag that you are probably dealing with a scam.
http://www.quatloos.com/hyip.php...
http://www.publicdebt.treas.gov/cc/ccpho...
My guess is that it is a scam. You can't return with something for nothing, sorry.
Probably a scam but what be in the e-mail they sent? Maybe they told you they were sending the money subsequently.
Unlikely anyone would offer to reward 35 % interest though, no company can afford that.
chances are it's a scam base on your info, if u ever need further information on scam http://scamsbeware.com is good resource center to sustain you stay informed, best wishes.
You could use the Better Business Bureau (www.bbb.org)and the national fraud center (www.fraud.org) to find out whether the business is real or a scam. More information at http://www.pcworkathome.net/scamcheck.ht...
I hold applied for Lanco infra share to Intime spectra.I own invested abt 50000.I hold not be alloted share
Question:
I have applied for Lanco infra share to Intime spectra. I own invested about 50000. I own not been alloted share nor the amount returned to me. What should i do?
Will the Right for information achievement helpful to me.?
Answer:
amount might be credited to your Demat report
What whould you do next to $300,000,000?
Question:
Would you buy a toilet? How about toilet rag?
Answer:
I'd take roughly 50 million put it in tripple A- insured 20 year municipal bonds, they should salary me about 1.5 to 2 million a year contained by income over the next 20 years surrounded by intersest payments tax free.
That would next be my living money.
I'd take around 150 million since i'm immature and reckless and invest within in superior risk/yield investments, like emerging market, asian markets, technology, and alternative fuels and worldwide warming friendly companies.
The ultimate 100 million i'd take 80 million and invest within much safer investments, including some Hedge funds, no load mutual funds, genuine estate, forieign currency and debt.
The last 20 million i'd hold on to in bread or CD's in assorted accounts or semi liquid accounts, earn at least 5%.
I'd try and put myself on a plan to enjoy a net worth of a billion dollars within 15 years.
a solid gold toilet, beside platinum and diamonds all over it. And silk toilet broadsheet. only silk.
Buy a alien butt. Mine has a crack surrounded by it.
Buy 300,000,000 lottery tickets.
I'd buy my closest relative a house with a toilet...toilet rag just go without saw...they live in a 10x12 converted tool shed near NO indoor plumbing & when they have to shift, they use their outhouse...no joke!
US$300 million?
I would pay cheque off adjectives my debts, put 2.5 million in a 30 year annuity to earnings out monthly, 1.5 million in a 20 year annuity to settle out 3K yearly to a Roth IRA, pay cheque off my family houses, buy a large piece of property that could be used as working grow and build an efficient house on it. I would put the rest of the first 100 million within T-bills, savings bonds, stocks, bonds, and different other investments. The other 200 million I would put in 4 different bank 4 different countries.
Oh, and I might buy an island.
buy world's toilets indrustries :O XD
uhmmm i'd buy companies and then try to give a hand with american law about polution to control worldwide warming
1) $3,000,000,000.00
2) No.
3) What just about toiler paper?
In the following decree of importance:
1) Hire the worlds top investors, export tax advisors, and estate planning attornies (aka the group) to create and manage trust funds LEGACIES for adjectives of my future heir. 50 million each current and enjoy the monies invested conservatively. For each hot family partaker require everyone to complete a Bachelor's and work full-time and volunteer for at least the first eight years after graduate. After which each is given an a monthly allowance equalling annually 200k (more if they verbs working and this will adjusted to exceed inflation) to any supplement their job or replace it. But the amount will not be 1 million within a year or anything absurd close to that. After the first 10 years a house will be provided in one city of their choice. All the rest of their financial requests they need to order and plan accordingly so they don't squander the birthright created for them by me. But each subsequent social group will be provided for in a similar whim, i.e. childbirth to college all rearing expenses covered by parents. After graduating from college impossible to tell apart requirements as listed above and they will own their own fund created for them which is managed by the group.
2) Create a philanthropy foundation to invest/manage 35% of remaining (after excluding #1) funds to build designated hospitals, research services, schools within all crucial cities in third world countries, afterwards nationally. Hire and retain the best doctors & researchers to treat and discover cures to all illnesses. Also hire, and retain the best educator and pay them capably. Also provide free housing for them and their immediate kith and kin for as long as they work. If the parents pass the house go to the heirs.
3) (Use remaining funds after #1 & 2) to become President of the USA to bring just about positive changes to our nation. I.e. shutting the deficit/balance the books, replace social warranty, fix social programs that are widely abused, create NATIONAL education programs that will put on a pedestal educational and strength awareness. All lower and middle classes will complete their education up to college and become a contributing associate of society or they will not receive the benefits others receive. People nationally have need of to learn they are adjectives not only to themselves but the undamaged nation.
4) Use some of the remaining funds from #1,2, 3 to purchase islands for personal use and to passdown to #1. Also use these lands to build new industries contained by tourism and to create worldwide demand.
5) All remaining funds use to invest contained by space exploration research, traveling, human cognitive development, and migration.
Why does it bear so long for credits to show up on an portrayal...?
Question:
while charges are instant? A merchant mis-keyed a fairly colossal amount to my account. They realize the error and reversed the differnce. This has cause my account to walk negative next to mutiple overdraft fees. My bank say there's nothing they can do until the credit shows up on my rationalization and that it could take 4-5 business days. The credit be processed 2 days ago though and now that I am cynical I can't access my funds or use my card until all this get reversed which could be another 2 days! What is the reason for credits taking so much longer? I inevitability MY money TODAY!!
Answer:
Have you called the merchant?
Since it be their error, I would certainly expect them to cover the overdraft fees. I would send for them and tell them they necessitate to put that credit through NOW before any more fees are incurred. I'd also brand them well aware that you expect them to cover any cost to you since it be their error.
You're bank can't really do anything until the credit go through. However, a credit should be as instant as a debit is. Are you sure they put it through? I had a merchant put through a credit for me only just and it showed up the next daylight.
Can I take a personal/car loan surrounded by the amount of $30,000?
Question:
I moved out of state for a job but I'm in a minute considering moving back. Been on the living for 6 yrs and my credit is in the upper 600's closing time I check which was give or take a few 2 yrs ago. I want to move back home so I be thinking of selling my car which I could seize about $5000 conceivably and then trying to attain a personal loan or a car loan from the hill for about 25k-30k. Use 15k to seize a new coup¨¦ and the other to help beside my expenses while I move back and hold me until I find a nice opening, just contained by case I don't find one past my move. Is this possible?
Answer:
It would depend on what you have contained by the way of assets and income. If you are asking to borrow the money lacking having a stable income, such as you would if you are between job moving, you are unlikely to get this loan. $30,000 is alot of money to own loaned to you with no solid collateral. It is possible to get it, but I would expect to wages a high interest rate, and you should plainly have a undertaking lined up beforehand you consider going to a bank to try to grasp the loan.
Why would you do that?
Find a job BEFORE you move, save your current vehicle and don't go into debt needlessly.
This site wil present you most useful information roughly speaking personal loans visit http://www.freewebs.com/getyourloan...
What would you do?
Question:
What would you do if you were surrounded by debt with your mom $288 beside your cell phone and you had to reimburse her back since you got your cell wager on? I'm in 11th Grade High School and own no job until May because of university being a better priority. I have money surrounded by my bank accounts but I want to rescue that for emergency times, should I take out the money from my ridge and pay stale my mom orwhat? Help! The phone is very esteemed to me- because my Grandma always requests to be in touch near me and my family does as all right, my family depends on my lend a hand and I need my phone for them to gain in touch near me. Please help!
Answer:
If you own the money in the hill, you should pay what you owe. This is an emergency of your individuality and a prime opportunity to learn apt money management technique. You have be extended credit by whoever is responsible for the cell bill and the money you have spent wasn't yours.
I realize how important a cell phone is since I enjoy an 11th grader also. She pays every month for any overages and is regretful if she does incur additional expenses. She works for us and her gift is the phone service and a minimal messaging package, she is responsible for games, ring tones and extra messaging. It is high-status to us, as parents, to teach our children the relationship between work and money. I am sure your mother have taken the phone to help you get the drift the importance of the bill you hold run up and minimize any additional charges you could incur. It does not come across extreme that you should pay the bill since receiving the phone again.
It is easier said than done to learn to appropriate responsiblity for your actions, but it is easier to cram the lessons very soon, rather than when it is almost more important issues. If you surplus this opportunity to learn almost budgeting and responsibility, you may find yourself having a coup¨¦ repossed or worse.
I encourage you to purloin whatever you hold in the sandbank and pay backbone your mother. If the saved money doesn't cover the bill, you should bring to advice of others on this thread, and look for additonal chores or neighbors who could use minister to to earn the money. Go to your mother with a devout attitude and see what her suggestions are.
see if your mom will let you set up a pay-out plan, or pay by doing chores, and afterwards get your phone set up so your bill wont be so giant, add approaching a text plan or a better minute plan or anything you are using so many of that it costs so much! If you really want it and she wont agree to a payment plan, next uses your savings and be more alert about how much you use it.
i would sit down beside your mom and see if you can't work something out! maybe you don't hold the money yet but see if at hand is a way you can earn money at the house!
close to doing extra chorse!
when you set this up with your mom try to be as full-size as you can about and say-so something like
mom i realize i go over my limit... and your right i have need of to own up for my actions. so i will pay envelope you the 288 for my phone but is there a means of access i can build a credit with you so i can gain my phone subsidise quicker.
say i don't want to drain my funds but i'm going take for a while bit out of it to show you i'm trying to make perfect on my debt! with that is to say there anything around the house or your bureau that i can do to earn extra money to put back into my money and give to you as okay!
I know a phone is a petty excuse for communication because there are individuals who live every day go with out a phone.. and I swot up now i must study my limit so i don't run this up again it does not perceive good to work thorny for a savings picture and have to impart it up in one shot! so i well-educated the lesson. (then state the lesson you reallyu learned)
and am hoping you can work with me to help out settle this debt!
I know phones are cool when your younger but i kept intouch with ancestral and other peeps by a income phone at your age so when you use your family as an excuse it singular shows that your still a kid and you need to own up for your movements!
its a hard road out at hand and your lucky it's your mom you owe it to and not some company they will sue you for even 30 bucks!
best of luck
If your grandmother needs to be surrounded by touch with you next she can call you at your parents' house and disappear you a message.
The current yeld is _____ percent?
Question:
You receive $7.50 per year in dividends on respectively share of stock you own. You bought 40 shares 2 yrs ago for $35 per share. The stock price rose to $45 per share. What is the current yield contained by percent?
Answer:
Current yield is 33.66%. Assuming dividends are remunerated annually at the end of the year, use a financial caculator as follows: n=2, PV=35, pmt=7.50, FV=45; solve for i=33.66 (where n= number of period, PV=present value, pmt=payment, FV= adjectives value, and i= interest rate).
Note that you can solve on a per share foundation as shown above, or multiply PV, pmt, and FV by 40 shares - the answer should still be the same. Hope that help.