Intrest and payments calculation?
Question:
I need serve, I don’t know what equations to use for the following, the proper equation, or equation and answers would be helpful.
A computer peddler proposes financing options for the computer that you preference to purchase.
Pay for the $3,600 computer over 12 months (with the first payment surrounded by one month) with equal payments at 12% monthly compounding.
What is the monthly gift?
What percentage of the 10th monthly payment would consist of interest on the outstanding debt?
What lolly amount would clear the outstanding debt immediately after making the 10th monthly recompense? ( I could get this one after the answers to the first two.)
Answer:
Attached find an interest calculator to offer you the answers to your questions.
? going on for credit rating...?
Question:
What sort of things make black results against your credit rating? Do you have to recieve a debt collection interest for it to go on your credit rating or lately a final overdue payment catch sight of??
Answer:
Having late payments are a big no -no . Having too various credit cards with immense credit limits. Using the credit boundaries that are high contained by relation to your income. trading in credit cards and using the harmonize tranfers to shift large balance. Holding cards for less than 1 year, give you a short credit history. these are just a few.
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Good luck !
How much should I put together to afford an apartment?
Question:
How much money per hour do I need to product in proclaim to afford a $600 dollar a month apartment?
Answer:
I think the rule of thumb is to expect to put 25 - 30 percent of your income into your housing costs. So, that should include rent, utilities.
What skills own you and what are people ready to pay you?
That determines your income smooth.
Find that out first - then take off $600 to see if you can still afford other thingslike food etc...
If not - check for a lower cost place to live.
I live in Tampa Florida and most won't rent unless the rent is smaller quantity than 1/3 of your income. Of course you can get a couple roomates to abet.
Wow thats an expensive apt. Where I live they run right around 300. OK but anyway.
Say all your bills total out to be $1,000. This includes your wishy-washy, heat, sea, garbage, cellular phone, and whatever other bills you might enjoy. Including your rent.
And say you want to put final 200 a month for savings.
And utter you have a 300 a month sports car payment.
And next you want a spending allowance of say 600 a month. This is for food, and cds, dvds, games, clothes, what not.
All of that would equal out to be 2100/mo.
So basically to be on the safe side all right do 2500. Say you work 40 hour weeks. For one month that would be 160 hours.
You would need to net $13.12/hr.
I hope this helps.
Wellfirst you obligation to work at your job for a unharmed month and pay your nest egg account rent money, insurance money (renters insurance will be give or take a few $30/month), fake utilities (if it's a small apt, I'd avg around $150 for utilities) pay the rest of your bills, and see if within is enough gone for food and entertainment that you require. If you don't have any bread left at the finale of the month (besides your fake rent contribution in your savings) afterwards you can't afford to move out.
Minimum 1,000 if utilities are included.
1,200 to 1,500 if utilities are not
Include
car pocket money
car insurance
rent
renter's insurance (you do want to be protected contained by case of a fire, don;t you??)
utilities
food
laundry and laundry products
personal products, approaching toilet tissue etc.
personal products like razor, menstral pads etc for women (etc)
cable tv
respite
eating out -- even if newly an occassional coffee
gifts
SAVINGS (You do plan to save --- right??)
Lifes
Write out adjectives of your bills on paper (credit cards, insurance and so on).
Write out $600 (rent), 150 - 300 for utilities, 250 food (if you cook), 400 for food if you guzzle out. Gas, entertainment, savings. If you hold any left later go for it.
That really depends on your other expenses similar to insurance payments, car payments, grocery bills, gas, etc...
And it also depends on where on earth this apartment is. If it's somewhere where the price of living is high-ranking vs. low then you hold to take that into sketch as well.
All I can articulate is to get the best assignment you can get. I'm assuming from your request for information you're like 20ish and of late starting out. If that's the case, I'd try to find something a touch bit lower (but of course that depends on where on earth you live). In NY that's cheap, but in I dunno...Backwoods, USA that could be really expensive.
I'd return with something inexpensive and see how it works out for the first few months. Or if you really want this particular $600 apartment...afterwards find a good living where you can gain decent hours and possible overtime money.
You may also look out for an option to work online to clear extra cash within your spare time. I am a part time worker doing work online at home, so I would approaching to share a link where on earth you can make $600-$1500 contained by a month working at home. The work need to be done is posting/answering a discussion and uploading any photo/image of your interest. For details look in
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I will publish few more genuine site surrounded by couple of weeks, where you can earn money. You may also write to me at talkofmoney@rediffmail.com (Note: When u are planning for a home base online work, be careful because most of them are scam and ask you to repay initial money. never pay money to any such site.)
What does this be determined?
Question:
check cashing not avaabile at hsbc ? what does hsbc stand for anybody
Answer:
The Hongkong and Shanghai Banking Corporation.
It's a bank. They're adjectives over the world.
Best good story interest rate within the USA?
Question:
Answer:
EmigrantDirect.com gives 5.05%
INGDirect.com give 4.50%
Citibank E-savings gives 4.75%
HSBC Direct give 6.00%
So the winner is... HSBC! Remember, even though interest rate will be difficult, you will owe income taxes in the back.
HSBC has the best rate right very soon. Money-rates.com is a good website for this. Go to money-rates.com and click on the Savings Account Rates relation on the left side. Or you can a short time ago go directly to this join.
http://www.money-rates.com/savings.htm...
You'll find that this site has a great deal of other great bank rates as very well.
another web site is www.bankrate.com
25% Annually.
6% HSBC DIrect
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Are in that any ways to brand name money if you don't enjoy a opportunity?
Question:
Answer:
Sell stuff. Buy at Wholesale, Sell at Retail. Difference is your Profit.
Get married, be someone's wife.
Dude, yes ! be a sperm donor, they pay you ably. or @#ck for money. either opening they pay perfect.
best answer ever, lol
collect scrap metal-- copper-aluminum- etc. i do it on ocassions when i am completely broke. alot of population will give to to you for the asking. start a greenhouse to go seedlings- pick mushrooms for sale when they are growing good- stand on the corner beside a sign saying" will work for money.
You may also look out for an option to work online to clear extra cash contained by your spare time. I am a part time worker doing work online at home, so I would resembling to share a link where on earth you can make $600-$1500 surrounded by a month working at home. The work need to be done is posting/answering a discussion and uploading any photo/image of your interest. For details pop in
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I will publish few more genuine site surrounded by couple of weeks, where you can earn money. You may also write to me at talkofmoney@rediffmail.com (Note: When u are planning for a home base online work, be careful because most of them are scam and ask you to pay cheque initial money. never pay money to any such site.)
Trimark Funding call me for a work at home job yesterday. I am not interested within this so I didn't return their call.
Their cellular phone number is 714-701-4900. Give them a call and see what they own to offer.
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Yes.
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How do you salvage money if your living on $380.00 a week and rent is $300.00 a month?
Question:
Answer:
If you budget correctly you can live off of it. Try looking for a better paying commission or work a second job to supplement your income.
you can,t
You cut expenses. You're rent is if truth be told quite moral, though I don't know the circumstances.
I suggest letting someone else look at your finances. Having an 'outsider's' view can be adjectives.
try to make some money on the side.
Even $1 or $5 a paycheck is better than nought. I'm in a situation similar to yours, but my rent is almost twice as dignified. (Ouch.)
One saving method that's be relatively painless, even for me, is something my stepmother calls the dime jar. (You can expand this to the "spare change" jar, use nickels, or use pennies. Whatever you want.)
Here is what I do: When I carry spare change, I put it within a bottle or jar instead of spending it. Over weeks or months, the spare change accumulate. After the first three months of putting money aside, I had $27. That's $9 a month--and I never even missed it!
If your bring home foot is $380, you can do it as long as your car, insurance, & utilities can be compensated through the rest of the month. The trick is to work on a budget that leaves you with money through the week. Paying $300 contained by rent out of one $380 check only leaves you beside $80 for the rest of the week, but if the rest of the monthly bills are accounted for througout the rest of the month, it's do-able. If after the bills are paid and I know I one and only have $30 to final me the week, I can do it. If I'm not conscious about the $30 contained by my pocket, it's gone by Tuesday!
That is pretty good rent. What other bills do you own to pay respectively month? What I find helps me beside my budget, is to write down my budget at the first of the month.With you, getting paid respectively week, you pay rent, after the bills, and food, and then extras. Extras are clothes (except what is NEEDED) for work, underwear, etc. . The best means of access for me to tell you how I do it is by the month. Start near your total. First of the month is rent, then bills, food as needed, extras are drinking out, and clothing. And recreation. Extra extras are lattes, etc. Please be liable to cut out some of the extras, starting with the extra extras. For clothing, consumption out, and such, you could put some money to one side ($5.00) per paycheck, and when you have satisfactory, go out to chomp through, or buy needed clothing. Same with in your favour money-try to save $5.00 per paycheck. Or, every other paycheck, or even, if needed one paycheck per month, help yourself to out some money to save. Also, if you own a big jar or something you could put your pocket change within at the end of respectively day, and not touch adjectives of it, nor any of it if at all possible, that will incorporate up too. You can do this. Please take attention to detail. .
Treat your savings approaching another bill. Decide what you want to save a payday or a month and lift that amount out first and put it in a hoard account. What you don't own you don't miss. You will be surprised how easy it is to produce it a habit to lift it out first. You will also be surprised how much you can save on so little.
First, fashion out a budget. Include a tiny amount for savings, along beside the rest of your expenses. And, like anything else, you'll hold to cut out at least some of the nice little things you wallow in if you want to save money.
I close to the use of credit unions because usually they single ask for a $5 deposit to open a hoard account. That bearing, there isn't a roomy minimum deposit just to hold the account.
You'll probably own to get creative to do it, but you will be capable of save money if you're serious just about doing so.
The three links below show you how to save money on food, clothing, and auto expenses.
What's the best interest-earning sketch to stretch out to amass inside a short amount of time?
Question:
What are some types of accounts that would be wise for me to look into if I am trying to earn the most amount of money, which will grow primarily from interest, contained by a time span of 2-3 years?
Answer:
ING DIrect, HSBC Direct are good
More : http://cleancredit365.com?=yh070328...
Good luck !
Short permanent status keep your money surrounded by a High Yield Savings Account...G00GLE that and you will get choices...
Otherwise put your money contained by an Index Fund against the Stock market.
If you want to keep hold of the money pretty liquid, I'd suggest going to INGDirect.com. They payover 4% and can be connected right to your bank rationalization.
25% Annually.
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ebay trust, specific?
Question:
hello. im new to ebay
i own pretty much 2 questions.
1q:i created a paypal sketch and i would like to know, how can i verbs money to it? i have a debit card tale in BMO. will it work?
2q: here is a connect http://cgi.ebay.com/limited-lot-of-nokia...
would u say that i can trust that peddler?
the thing is that those phones aren't out nonetheless. and when they will be-the price will be way highly developed than that. but the sellers feedback is 99.5% positive? i'm really confused.
plz support!!
thx for ur time
Answer:
If you have a debit card, Paypal can renunciation from that directly, so it should work just fine.
And I would enunciate that the seller looks okay to me, and I would buy from them if they have something I wanted.
First, you should be capable of transfer money from the reason that you used to open the Paypal depiction to start with. Just be in motion to the Paypal account and it will pretty much waddle you through the process.
As for this particular trader, I personally wouldn't surface uncomfortable buying from them. There is other a risk with any purchase you take home, even if you're in a store. I checked the feedback for this individual seller, and it doesn't look too desperate, considering he has be in business since 1999 and have very few complaints.
Watch whom you buy from on EBay. I be trying to recover money or what I purchased since September and EBay have not been much lend a hand. They say they just list items nearby not responsible for what or if you get anything. They might provide them a strike or take in attendance name bad. OH THAT HELPS they will just gross a new designation.
How do you cable money internationally?
Question:
I need to dispatch money to Jordan. I looked on westernunion.com
It only said money verbs isn't available in Jordan.
Answer:
Moneygram give Jordan as an option
http://www.moneygram.com/index.htm...
definately not thru the bush command !
Your credit card issuer can send the money to their details.
You need several things. The first things are observable, which are the account number and dub of the person you are sending the money to. The mark must be exactly as it is on the account unloading the wire, or it may be rejected. Second, you stipulation the SWIFT code of the bank you are sending the money to, which typically consists of a series of numbers and letters. You'll also involve the exact name of the dune. If you don't have this, bid the bank or own your recepient call them. If you don't own this number at all, the money won't budge anywhere. Third, you need to find out if you stipulation an intermediary bank. Your cable would go to this guard first, and then be routed to your final destination. Most wires work lacking the intermediary bank, but some inevitability it. Check with your recepient sandbank. Fourth, check with the US Treasury's Office of Foreign Assets Control to see if Jordan (or any other country) is on their Lists of Sanctioned Countries. The telecommunication will be blocked if it is, and Jordan is not. Next, check to see if the name of the receiver is on the List of Specially Designated Nationals, which is also available from OFAC. Your wire will be blocked if they are on this record.
After you have adjectives of this information, you can go to your ridge and initiate the wire. They will most predictable have some genus of form for you to fill out. Make sure the funds contained by your account hold been within there for several days, or supply them cash right away.
If you don't live surrounded by the United States, your country may still have some list similar to the OFAC lists mentioned above, but duplicate information will be required. Western Union probably does not have any office in Jordan to receive your verbs, which could be why it isn't available.
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How can i earn alot of money?
Question:
Answer:
few ways:
find a correct job according to your grazing land u r talented contained by, maybe business or professional
earn the correct opening : no cheating no stealing
work hard
if you find out describe me please
How much is a lot of money?
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how rich is George Soros?
Question:
Answer:
George Soros, according to Forbes 2006 400 richest Americans, is ranked 27th. He have an estimated net worth of 8.5 billion.
Not rich plenty to buy an election for the democrats.
I resembling to know too.
not rich enough
I don't take in why the wealth of a stranger would be of concern to you. I guess you should concern yourself with esteemed facts closer and more important to your existence.
Richer than me, that's for sure! I'd close to just one tenth of one percent of his network worth.
Why can't you design your own cheques?
Question:
I think it would be cool if here was a company that would appropriate my design and plaster it on the cheque before print. Why can't this be done?
Answer:
It if truth be told can be done but the expense is quite large. You would not want to pay for those premiums for checks.
If it is a business story, your logo can be added for your checks where the entitle field usually go. Not sure if this will help you
Bob Laibach
www.gogreedy.com
I regard that's a dam fitting idea,, sounds approaching a money maker to me...
All they really hold to do is use their ink to print the bank routing number and your story number,, but you have a great impression..
I do
I use a picture of one of my classic cars on it
with my logo
it can you can even own your own picture on
just possibly your check company doesn't do it.
but some do.
What is the best type of tax-deferred funds plan to rollover a 401K Plan into?
Question:
I recently took an untimely retirement due to health issues. For the final 9 1/2 years that I was working I be depositing $50.00 a month into a 401K Plan. I realize that this is not a very big amount per month. However, over these 9 1/2 years I have single managed to gain approximately $2,000. Whether this is due to the small amount of money I contribute or the ups and downs of the stock bazaar (probably both) it is rather discouraging. Now that I am retired I am allowed to roll over my 401K funds into another type of Individual Retirement Account or purchase an Annuity. I don't really infer how these options work. Is in that a plan that might better serve my financial growth other than my 401K Plan, considering I am no longer making monthly deposits into it and the program that manage my 401K Plan is charging me $24.00 a year service fee?
Answer:
Currently, you can merely roll over your 401(k) into a Traditional IRA. 12 months later, you can next roll it over into a Roth IRA. You can only do one rollover once every 12 months. You should address to an investment adviser who can minister to you find the suitable investments to meet your desires.
In almost every retirement plan, there is usually an annual custodial charge charged to the account. So $24 is really not much because the gain in your investments are usually competent to cover the annual fee.
I'm shocked to hear that, according to what you've said, you hold put in roughly $5700 and you only enjoy $2000 now? That's only just terrible.
That man said, I'd look at some Roth IRA's.
Shop like crazy to find the one beside the lowest maintenance fees. Then simply start buying no-load index funds.
If you only enjoy $2000, put it into a Roth IRA. Talk to your bank.
I would move that money into a traditional IRA (as defiant a Roth IRA). There are thousands of mutual funds in America. Just progress do some research and find one you like. Read a couple of issues of Money magazine, or Kiplingers or something similar.
There is lots of online comfort from msn, or from mutual funds like Vanguard, Fidelity, T Rowe Price, American, and oodles others.
I don't know your age or tolerance for risk. But starting in 1993, I enjoy put my old 401(k) or 403(b) money into American's Investment Company of America, and I am pleased with the results. It may not be the innovator of the pack in a dutiful year, but it sure knows how to control loss surrounded by a bad year. And that have value for someone looking to retire. And as you would expect, if you are eligible under IRS rules, you can label additional contributions to an IRA.
Good luck to you.
can bring back no fee Ira rollover @ schwab. Right around 2000 be some bad yrs for open market and the amount is very small. Forget annuities - lofty fees and poor investment. Of only $2000 total later $1000 Jaosx & $1000 SWPIX would be a solid base. Need to build income outisde IRA beside FAX and similiar holdings. Feel fee to contact via answers if own more info or qs.
Very good examine!
Well, you said you retired early, so I assume that method your under 59 1/2 years ancient. If you want to roll that over to another type of retirement account to hold it tax deferred, after a "Rollover IRA" is your solution. This will allow you to keep it charge deferred and continue to grow. This can be done smoothly at your Bank, Credit Union or Brokerage Firm. Any of them could set you up with a right Mutual Fund to allow your money to continue to grow. Also your Insurance Person could support, but if they offer you an Annuity, don't bite because an Annuity is a charge deferred account, and you your Rollover IRA is already export tax deferred. What I would do is go to the Website of a apt Mutual Fund like Fidelity, American, or Vanguard only to name a few (there are tons other great ones), and see their programs. You will find it easy and painless and incontestably a lot cheaper than your current situation. Hope this help! Good luck.
To Yanswers and John S. The asker did not say he single has $2000 presently. He said he has a gain (profit) of $2000 to make the addition of to the $5700 he put in. And you can not roll a 401k directly into a ROTH IRA, you must first roll it into a traditional IRA.
I agree near another responder's suggestion to call T. Rowe Price, Fidelity, Vanguard, Oakmark, or other worthy no load, low payment fund families and ask them just about your options and what will fit near your other investments, pension, risk tolerance etc.
anyone else use lofty concede online svngs?
Question:
like hsbc direct, ing or emigrant hill? I just found out that BOFA pays me smaller amount than 1% on my savings within fact 0.2% ...the hell? So i open up an account near emigrant: no minimum, no limitations, 5.05% APY. sounds great but is there anything i involve to watch out next to this.
anybody else have nearby money online?
Answer:
oompa loompa doompity doo...
they are great
BoA sucks
they charge you $10 just to close your rationalization
Yes - I have accounts near HSBC, ING, Emigrant and Superior Savings of New England. After 2 years of experience, I have not have any problems.
Enjoy all of that extra interest you are earn! The wonders of compounding interest are in your favor.
Bankrate.com offer comparisons to several banks. I use online hoard and the 5% interest is very nice and it is Federal Gov insured up to $100,000.
I don't enjoy any of the accounts you are referring to. I do have a stash account beside Citibank that pays about 1.75% that I hold on to some money in for spur-of-the-moment access.
The rest of my money I keep contained by a bond fund with Vanguard. My fund of choice is a Short-term Investment position bond fund. You can write checks against these accounts if the check is greater than $200 (kind if like a money marketplace account). This fund pays a little better than 5%.
If you don't mind the extra risk, you can put money into a High-Yield bond fund that pays out almost 7% and you can still write checks against it. There is much more risk in this type of fund though.
With Vanguard, I focus you need any $2.5K or $3K (sorry, don't remember) to open a mutual fund report.
Just an alternative to the online savings accounts...
I prefer ING http://home.ingdirect.com/