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What's the interest rate? What's the amount of the loan (or whatever)?

Posted on Jul 24, 2013

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Posted on Jan 02, 2017

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Every online business needs to integrate a payment gateway for its customers to pay for goods at check-out. Many will look for the cheapest payment gateway but how cheap it is will be determined in several ways and not just the initial cost.

The cheapest payment gateway is one that is easy to integrate on several platforms including PC, smart phones and tablets. This reduces the occurrence of abandoned shopping carts thus increasing customer loyalty and therefore profits.

It should provide customers with options to pay using different methods such as credit card, debit card and net banking. Transactions should be easy to pay for and the payment gateway secure. That way, customers will enjoy using the payment gateway, and the business will profit as well.

One may also want to look out for a payment gateway that will not charge too much in subscription fees. Some may even be free and this cuts costs for the business.

The cheapest payment gateway is one that is easy to integrate on several platforms including PC, smart phones and tablets. This reduces the occurrence of abandoned shopping carts thus increasing customer loyalty and therefore profits.

It should provide customers with options to pay using different methods such as credit card, debit card and net banking. Transactions should be easy to pay for and the payment gateway secure. That way, customers will enjoy using the payment gateway, and the business will profit as well.

One may also want to look out for a payment gateway that will not charge too much in subscription fees. Some may even be free and this cuts costs for the business.

May 24, 2017 | The Computers & Internet

A=P((1-(1+r)^(-n))/r, where A is the present value of the annuity, or the amount of the loan, P is the periodic payment, r is the interest rate per period, and n is the number of periods. In this case, I assume the payments are monthly, so n would be 36. You mentioned that you already have A and P. However, solving for r algebraically is not that easy because it is in two places on the right hand side. However, you can make a table and put in interest rates to make both sides equal. Remember to multiply this answer by 12 to get the annual interest rate.

For example, if the payment is $100, and the amount of the loan is $2,766.07, and the number of periods is 36, what is the interest rate.

r Calculate Actual Difference

0.010 3010.75 2766.07 -244.68

0.011 2959.42 2766.07 -193.35

0.012 2909.33 2766.07 -143.26

0.013 2860.42 2766.07 -94.35

0.014 2812.68 2766.07 -46.61

0.015 2766.07 2766.07 0.00

0.016 2720.55 2766.07 45.52

0.017 2676.11 2766.07 89.96

You can see from the chart that the value of r of 0.015 makes the difference 0, so the periodic interest rate is 0.015 or 1.5%. We need to annualize this by multiplying by 12 and we get an annual interest rate of 18%.

Good luck,

Paul

Annuity Payment PV

For example, if the payment is $100, and the amount of the loan is $2,766.07, and the number of periods is 36, what is the interest rate.

r Calculate Actual Difference

0.010 3010.75 2766.07 -244.68

0.011 2959.42 2766.07 -193.35

0.012 2909.33 2766.07 -143.26

0.013 2860.42 2766.07 -94.35

0.014 2812.68 2766.07 -46.61

0.015 2766.07 2766.07 0.00

0.016 2720.55 2766.07 45.52

0.017 2676.11 2766.07 89.96

You can see from the chart that the value of r of 0.015 makes the difference 0, so the periodic interest rate is 0.015 or 1.5%. We need to annualize this by multiplying by 12 and we get an annual interest rate of 18%.

Good luck,

Paul

Annuity Payment PV

Aug 15, 2016 | Office Equipment & Supplies

- Visit the registration page
- Select "Member."
- Once signed in, click the "eBilling" link.
- From there you can make your initial one-time payment.
- After your initial one-time payment has cleared your financial institution, you can then set up recurring payments.

Mar 01, 2015 | humana.com

Hi there,

To calculate present value you need to type in all the other missing values and then press COMP and PV.

For example: if the future value is R5000, the interest is 12% p.a. compounded monthly and it paid over 3 years.

Type in 5000 and press FV

type in 12 and I/Y

Press 2nd F and I/Y and make sure P/Y says 12 (for 12 payments per year).

Press ON

press 3 press 2nd F N and then press N again (for 36 payments in total). Make sure your screen says ANS -> N otherwise the calculation will not work.

Now if if your payments are 0 (in other words you are not making monthly payments) then press 0 and PMT,

Otherwise, if you are making monthly payments for e.g. R200 a month, type in +/- 200 PMT.

Now calculate your original amount by pressing COMP PV.

If you made no payments your original amount should be -3494.62

And if you chose to add payments your original amount should be

2 526.88.

To calculate present value you need to type in all the other missing values and then press COMP and PV.

For example: if the future value is R5000, the interest is 12% p.a. compounded monthly and it paid over 3 years.

Type in 5000 and press FV

type in 12 and I/Y

Press 2nd F and I/Y and make sure P/Y says 12 (for 12 payments per year).

Press ON

press 3 press 2nd F N and then press N again (for 36 payments in total). Make sure your screen says ANS -> N otherwise the calculation will not work.

Now if if your payments are 0 (in other words you are not making monthly payments) then press 0 and PMT,

Otherwise, if you are making monthly payments for e.g. R200 a month, type in +/- 200 PMT.

Now calculate your original amount by pressing COMP PV.

If you made no payments your original amount should be -3494.62

And if you chose to add payments your original amount should be

2 526.88.

May 30, 2014 | Sharp EL-738 Scientific Calculator

That would depend on how long the loan is for. If it's a one-month loan then the first (and only) monthly payment would be 48,257.25. If it's a one-year loan then you'd make twelve monthly payments of 4630.58 each. If it's for thirty years then the monthly payment would be 1257.34 .

Nov 01, 2013 | Computers & Internet

What's the amount of the loan? What's the interest rate?

Jul 23, 2013 | YouTube Videos

Neely Neel Neel Neelerson,

--> APPS

--> TVM

Viola. The initials TVM stand for Time-Value-Money; it's a widely used tool throughout financial mathematics. If you are looking to deal with annuities, bonds, present value equations, future value equations, or even certain stocks then you will want to use the TVM app within your TI-84.

When you go into that menu screen you will see about 10 input lines; and despite how you're being taught you'd be best off using only five (from a mathematical & conceptual standpoint). The backbone of the TVM is the time-zero equation of value. So, all you want to be touching is the N, I/Y, PV, PMT, and FV keys.

Background on TVM:

N = Number of intervals

I/Y = Effective Interest Rate Per Interval (5% is .05 but the computer wants it entered as 5.0)

PV = The Present Value

PMT = Recurring Payment (either deposit or withdrawal)

FV = Future Value

There are like 3 other inputs that I encourage you to ignore (in exchange for learning exactly what's going on within this application).

NOTE: You MUST make your effective interest term match your number of intervals. For example, an annuity with monthly payments for 5 years with a monthly effective interest rate of 2% would need an N value of 60 (which is 12 months per year times 5 years for a total of 60 months).

There's more that could be said, but I think this should help you find the PV of an annuity.

Go Bulls,

The Math Cheetah

411@themathcheetah.com

--> APPS

--> TVM

Viola. The initials TVM stand for Time-Value-Money; it's a widely used tool throughout financial mathematics. If you are looking to deal with annuities, bonds, present value equations, future value equations, or even certain stocks then you will want to use the TVM app within your TI-84.

When you go into that menu screen you will see about 10 input lines; and despite how you're being taught you'd be best off using only five (from a mathematical & conceptual standpoint). The backbone of the TVM is the time-zero equation of value. So, all you want to be touching is the N, I/Y, PV, PMT, and FV keys.

Background on TVM:

N = Number of intervals

I/Y = Effective Interest Rate Per Interval (5% is .05 but the computer wants it entered as 5.0)

PV = The Present Value

PMT = Recurring Payment (either deposit or withdrawal)

FV = Future Value

There are like 3 other inputs that I encourage you to ignore (in exchange for learning exactly what's going on within this application).

NOTE: You MUST make your effective interest term match your number of intervals. For example, an annuity with monthly payments for 5 years with a monthly effective interest rate of 2% would need an N value of 60 (which is 12 months per year times 5 years for a total of 60 months).

There's more that could be said, but I think this should help you find the PV of an annuity.

Go Bulls,

The Math Cheetah

411@themathcheetah.com

Mar 13, 2011 | Texas Instruments TI-84 Plus Calculator

f xy (clear financial registers)

5 g n (5 years at 12 payments per year)

2 5 0 0 CHS PMT ($2500 payment per month)

9 i (9% annual rate)

PV (calculate present value)

5 g n (5 years at 12 payments per year)

2 5 0 0 CHS PMT ($2500 payment per month)

9 i (9% annual rate)

PV (calculate present value)

Feb 14, 2011 | HP 12c Calculator

Please refer to this Expert FAQ thread (Click Here) or you can refer the below Quote. As far as I know, there's no minimum payout, but there are terms on how to receive the payment instead of withdrawing the funds/balance.

**Quote**:**Source FixYa Expert FAQs**: ["When does FixYa issue payments to Experts?At the start of each month, FixYa calculates your total Premium Assistance earnings for the previous month. If your earnings total $50 or more, FixYa notifies Payoneer of your pending earnings payment by the 3rd business day of the next month. Payoneer then processes and sends your earnings via your preferred payment method, which takes up to 2 business days to complete.

For example, if you earned $60 between January 1-31, FixYa will send your $60 January earnings to Payoneer by the 3rd business day of March. Payoneer will take up to 2 business days to process and send your payment.

Note: If your earnings total less than $50 for the month, they remain in your FixYa account and are added into the next month's earnings.

FixYa strives to ensure payments arrive as fast as possible within the process defined above. Usually, it takes less than 3 business days from the start of the month. In the very rare case, it can take up to 5 business days."]

Hope this helps.

Good Luck.

For example, if you earned $60 between January 1-31, FixYa will send your $60 January earnings to Payoneer by the 3rd business day of March. Payoneer will take up to 2 business days to process and send your payment.

Note: If your earnings total less than $50 for the month, they remain in your FixYa account and are added into the next month's earnings.

FixYa strives to ensure payments arrive as fast as possible within the process defined above. Usually, it takes less than 3 business days from the start of the month. In the very rare case, it can take up to 5 business days."]

Hope this helps.

Good Luck.

Dec 22, 2010 | FixYa Service

At the end of each month, FixYa
calculates your total Premium Assistance earnings for that month. If your
earnings total $50 or more, FixYa will process them for payment. Monthly
earnings of less than $50 remain in your account and are added into the
following month's earnings.

FixYa sends your earnings to you via your preferred method of payment within 30 days of the end of the payment period. For example, if your account contains $60 in earnings on October 31st, your $60 payment will be issued via your preferred method of payment by November 30th.

We strongly recommend you choose paypal as your preferred payment method, as paypal payments are faster, easier and cheaper than checks by mail.

Please make dure you update your prefered payment choice in your profile - either check or paypal only , other wise your payment will be delayed until the following payment cycle as we only batch out once amonth.

You can find more information about the payment program in the expert terms of use: http://www.fixya.com/ExpTerms.aspx

Feel free to contact us with any questions at experts@fixya.com

Regards,

Chantelle

It has come to our attention that your are missing preferred payment information and this will cause a delay in this month's payment cycle.

In your profile currently you have chosen PayPal as your preferred choice of payment but haven't provided any information.

Please provide us with a PayPal account so your payment can be issued.

If you don't have a PayPal account, please provide the following information so that a check can be issued:

· Full Name (as appears on your ID or bank account)

· Address

In order to be paid this month please email me this information direct ASAP otherwise payment will be carried over into next months payment cycle.

Please update your profile so future delays don't occur as well.

Bro bago rin ako dito hindi ko pa nakukuha yung sahod ko,may rules pala sila kung papaano makuha yung bayad natin,taga Cebu ako ikaw taga saan ka kiniklik ko saiyo para maginggoro ka maganda pagganon yong madalas pinipili ng kustomer,pag hindi ko makuha ipasa ko saiyo yun madalas ginawa ng matagal dito yung mga ibang lahi..

http://www.fixya.com/support/t858186-damaged_directory_after_pulling_usb

http://www.fixya.com/support/t855907-wireless_router

http://www.fixya.com/support/t853827-panasonic_pv_dv953d_video_transfer_pc

http://www.fixya.com/support/t853717-ink_system_failure

FixYa sends your earnings to you via your preferred method of payment within 30 days of the end of the payment period. For example, if your account contains $60 in earnings on October 31st, your $60 payment will be issued via your preferred method of payment by November 30th.

We strongly recommend you choose paypal as your preferred payment method, as paypal payments are faster, easier and cheaper than checks by mail.

Please make dure you update your prefered payment choice in your profile - either check or paypal only , other wise your payment will be delayed until the following payment cycle as we only batch out once amonth.

You can find more information about the payment program in the expert terms of use: http://www.fixya.com/ExpTerms.aspx

Feel free to contact us with any questions at experts@fixya.com

Regards,

Chantelle

It has come to our attention that your are missing preferred payment information and this will cause a delay in this month's payment cycle.

In your profile currently you have chosen PayPal as your preferred choice of payment but haven't provided any information.

Please provide us with a PayPal account so your payment can be issued.

If you don't have a PayPal account, please provide the following information so that a check can be issued:

· Full Name (as appears on your ID or bank account)

· Address

In order to be paid this month please email me this information direct ASAP otherwise payment will be carried over into next months payment cycle.

Please update your profile so future delays don't occur as well.

Bro bago rin ako dito hindi ko pa nakukuha yung sahod ko,may rules pala sila kung papaano makuha yung bayad natin,taga Cebu ako ikaw taga saan ka kiniklik ko saiyo para maginggoro ka maganda pagganon yong madalas pinipili ng kustomer,pag hindi ko makuha ipasa ko saiyo yun madalas ginawa ng matagal dito yung mga ibang lahi..

http://www.fixya.com/support/t858186-damaged_directory_after_pulling_usb

http://www.fixya.com/support/t855907-wireless_router

http://www.fixya.com/support/t853827-panasonic_pv_dv953d_video_transfer_pc

http://www.fixya.com/support/t853717-ink_system_failure

Jul 30, 2008 | Zelco Money-X-Changer

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