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If payments between month 36&60 inclusively are suspended and the payments after month 60 is 3 times the initial payment, determine the initial payment

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

Posted on Jul 24, 2013

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Posted on Jan 02, 2017

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What is the Low Cost Payment Gateway?


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.

May 24, 2017 | The Computers & Internet

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If I know how much the payment is and the length of the loan how can I calculate the percentage I am paying?


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

Aug 15, 2016 | Office Equipment & Supplies

1 Answer

How to calculate npv


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.

May 30, 2014 | Sharp EL-738 Scientific Calculator

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I am trying to find a way to use my calculator and its financial functions but i have no idea how. i need the present value of $1 and present value of annuity of $1


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

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

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Trying to solve for present value of a monthly lease payment when the payments begin in 2013 and go for 5 years. Payment is fixed at $2,500 per month for 5 years, but how do I calculate this without doing...


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)

Feb 14, 2011 | HP 12c Calculator

1 Answer

What is the minimum payout at fixya i have applied for premium expert but have some balance in my account how to withdraw it ?


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.

Dec 22, 2010 | FixYa Service

1 Answer

I have a suspended ebay account. I paid 18.19 that was due on Nov. 17th. I thought that was the problem. It remains suspended and I have no idea why? Ca you assist me?


Hi there!

With regard to the suspension in your account, if it's about billing it could be that your account's being charged off.
A charge off means eBay has recognized your balance as debt to eBay for accounting purposes. Keep in mind that you still owe this amount to eBay. Additionally, eBay reserve the right to pursue collections efforts, including use of a collection agency.

To avoid further collections efforts and to remove the suspension,I recommend that you need to pay for the fees. eBay will reinstate your account as soon as eBay receive payment for this amount.
Here's what to do:
-- Check your invoice
To see the overdue balance and a breakdown of the fees you've been charged, follow these steps:
1. Go to My eBay. You may be asked to sign in.
2. Click the "Account" tab.
3. Click the "All account activity" link under your current balance.
You'll see a summary of your latest invoice and a list of fees, credits and payments from the last 4 months. To see a previous invoice, select the one you want from the "Invoices" drop-down menu on the right side of the page.
-- Make a payment
eBay accept payment by PayPal, direct debit, credit card, check, or money order.
Here's how to make a one-time payment:
1. Go to My eBay. You may need to sign in.
2. Click the "Account" tab.
3. Under "Payment methods for Seller Fees," click the "one-time payment" link.
4. Follow the instructions to complete your payment.
How long will it take for your payment to go through?
-- One-time credit card and direct debit payments post immediately to your account.
-- PayPal payments take approximately 5 business days to post.
-- Checks take approximately 7-10 business days to post.
To learn more about paying your eBay seller fees, go to:
http://pages.ebay.com/help/sell/pay-fees.html
Once your payment has been posted, your account will be reinstated automatically, and you'll be able to start selling on eBay again immediately.
I hope I've explained this clearly. If you have any problems please add a note here or you can send another concern.

I hope this helps. Please rate if it does!

Nov 20, 2010 | eBay Auctions

1 Answer

What are personal payments? Can personal payments to India be made?


personal payments such as depositing a cash from bank on the account of other person or it can be personal payments of 2 persons met to gave the cash personally...

- i read some articles in google that personal payments to and from INDIA was suspended for a few months

Mar 27, 2010 | Computers & Internet

1 Answer

Just a question


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

Jul 30, 2008 | Zelco Money-X-Changer

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