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How Credit Cards Calculate Interest | BeatTheBush
 
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Minimize interest charges by understanding how Credit Cards calculate interest on your bill. Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Views: 15801 BeatTheBush
How to find Interest & Principal payments on a Loan in Excel
 
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More help: https://www.teachexcel.com Excel Forum: https://www.teachexcel.com/talk/microsoft-office?src=yt How to find the interest and principal payments on a fixed rate loan in excel. This tutorial will walk you through using the PPMT() and IPMT() functions in excel in order to find out how much of a monthly payment on a loan actually goes to pay off the loan amount and how much is just an interest payment. More free excel stuff such as macros, tutorials, articles, etc. go to: TeachExcel.com
Views: 447523 TeachExcel
Government Debt and Interest Payments
 
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There has been a significant increase in the size of public sector debt in many advanced countries since the Global Financial Crisis (GFC) engulfed nations in the autumn of 2007. But what has happened to the scale of the interest payments as a share of national GDP?
Views: 1183 tutor2u
Understanding how to calculate Credit Card Interest
 
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This is a requested video as a follow up to my first video titled, “How to pay off your 30 year mortgage in 5-7 years”. After that video I have received a lot of questions and a few requests asking to explain how to calculate the interest that is associated with the line of credit that is used to pay down the home loan. This video will provide you with the formula to be able to calculate simple interest, create a spreadsheet for your amortized loan, calculate the interest savings, and determine the best financial approach to reach your financial goals. LINK TO VIDEO : “How to pay off your 30 year mortgage in 5-7 years” https://youtu.be/4GonTct2WMk KARL'S MORTGAGE CALCULATOR APP: https://itunes.apple.com/us/app/karls-mortgage-calculator/id1025852681?mt=8 ★☆★ SUBSCRIBE TO MY YOUTUBE CHANNEL FOR WEEKLY VIDEOS ABOUT REAL ESTATE AND BUSINESS ★☆★ ► Velocity Banking Course - Please email me at [email protected] for more information. ★☆★ CONNECT WITH ME ON SOCIAL MEDIA ★☆★ FACEBOOK: https://www.facebook.com/Laura-Pitko-1464576883611081/ INSTAGRAM: https://www.instagram.com/laura_pitko24/ DISCLAIMER: I (Laura Pitkute) am committed to providing the highest level of information that is legal and ethical to the best of my knowledge, however during this video I am not practicing law nor should anyone rely on the content shared as legal advice, but rather it would be in everyone’s best interest to consult COMPETENT legal professionals before implementing any of the shared strategies.
Views: 33517 Laura Pitko
NATIONAL DEBT - INTEREST PAYMENTS & RATE CHANGES
 
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NATIONAL DEBT - INTEREST PAYMENTS & RATE CHANGES COPY of a JOHN STOSSEL Video https://www.youtube.com/watch?v=Z6zM1WYhwPw http://www.foxnews.com/politics/2015/04/15/tax-calculator-federal-debt/
Views: 1656 FreedomForceUSA
Times Interest Earned Ratio, Debt To Total Assets Ratio, Analyzing Long Term Debt
 
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Ratios to analze long term debt, Debt to Total Assets Ratio and Times Interest Earned Ratio, Long term creditors and stockholders are interested in a company's long-run solvency, the company's ability to pay interest as it comes due and to repay the face value of debt maturity, two ratios that provide information about debt-paying ability and long-run solvency, (1) Debt to Total Assets Ratio measures the percentage of total assets provided by creditors, the higher the percentage of debt to total assets, the greater the risk the company may be unable to meet its maturing obligations, (2) Times Interest Earned Ratio indicates the company's ability to meet interest payments as they come due, the higher the ratio the more easily the company cam meet its interest expense as they come due, detailed calculations and discusion by Allen Mursau
Views: 15112 Allen Mursau
Annual Interest Varying with Debt Maturity
 
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Annual Interest Varying with Debt Maturity More free lessons at: http://www.khanacademy.org/video?v=YdGZaqJZbGc
Views: 67144 Khan Academy
Annual Percentage Rate (APR) and effective APR | Finance & Capital Markets | Khan Academy
 
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The difference between APR and effective APR. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/credit-card-interest/v/institutional-roles-in-issuing-and-processing-credit-cards?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/interest-basics-tutorial/v/interest-part-2?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Most of us have borrowed to buy something. Credit cards, in particular, can be quite convenient (but dangerous if not used in moderation). This tutorial explains credit card interest, how credit card companies make money and a far more silly way of borrowing money called "payday" loans. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 330108 Khan Academy
How to build an Amortization table in EXCEL (Fast and easy) Less than 5 minutes
 
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Hi Guys, This video will show you how to build an amortization table in excel is less than 5 minutes :) Please subscribe and watch all our tutorials www.i-hate-math.com
Views: 470492 I Hate Math Group, Inc
Payday Loans | Interest and debt | Finance & Capital Markets | Khan Academy
 
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How Payday lending works. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/cont-comp-int-and-e/v/e-through-compound-interest?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/credit-card-interest/v/institutional-roles-in-issuing-and-processing-credit-cards?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Most of us have borrowed to buy something. Credit cards, in particular, can be quite convenient (but dangerous if not used in moderation). This tutorial explains credit card interest, how credit card companies make money and a far more silly way of borrowing money called "payday" loans. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 193060 Khan Academy
How to Amortize a Bond Discount
 
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This video explains how to account for bonds issued at a discount using the effective interest rate method for bond discount amortization. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 100988 Edspira
Car Loan Interest Explained (The Easy Way)
 
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How car loan interest (APR) works! LightStream Auto Loans: http://bit.ly/auto_loans_ls (I may be compensated by LightStream through this link.) Please subscribe: https://www.youtube.com/c/HonestFinance?sub_confirmation=1 I’ll go over everything you need to know on car loans and interest. I’ll cover how they work and how much interest you’ll be paying for the car loan. Watch and learn. Thanks. Don’t end up upside down in your car. Follow my advice and you’ll be better off than most of us when it comes to your interest rate and length of the loan. ************** Support my channel by shopping with these affiliate links (they won't cost you anything). Thanks a million!! My favorite Credit Card (Get $250): http://bit.ly/amex_yt The $3 Book that Changed my Life: http://amzn.to/2DuHmIy Get 2 Free Audiobooks from Amazon’s Audible: https://amzn.to/2QIBUso Because leaders are readers :) Amazon Prime (30 Day Free Trial): https://amzn.to/2INIhrz Investing and Loans..... Get a Free Stock for trying Robinhood: http://bit.ly/robinhood_hf Lightstream loans is who I recommend for any auto loans, personal loans or debt consolidation. They have the best rates and don’t charge any fees or pre-payment penalties: http://bit.ly/lightsteam_loans Books I Recommend..... Best Book on Time Management: http://amzn.to/2Cj59hG Best Book on Investing/Stock Market: http://amzn.to/2DtEM5E Best Book on Budgeting/Debt: http://amzn.to/2Ekyszc Best Book on How Money Works: http://amzn.to/2Eaqdp5 *************** Welcome to the Honest Finance Channel! I'll give you the honest truth about a variety of financial topics in a way that actually makes sense. I'm not a financial advisor and I'm not here to advertise a bunch of products. I simply want to share my financial advice with anyone who will listen. Help me translate my videos: http://www.youtube.com/timedtext_cs_panel?c=UCNGiXK9ZsxIzY-3g_TPilBQ&tab=2 I am a participant in affiliate advertising programs designed to provide a means for myself to earn a small commission by linking to affiliate sites. #honestfinance
Views: 34447 Honest Finance
Troubled Debt Restructuring (Effective Interest Rate Calculated, Reduced Principal & Payments )
 
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Accounting for troubled debt restructuring by restructuring principal amount and interest payments by forgiving early year payments and requiring later year payments on interest, determining a loss (bad debt expense) on restructuring by comparing the pre-structured carrying amount to the present value of restructured cash flows, based on the present value of restructured cash flows the effective interest rate is calculated using a financial calculator, using the new effective interest rate the interest revenue is calculated and the loan is amortized thru the allowance for doubtful accounts (contr revenue account), example is On 12/31/20X1 Bank-B enters into a debt restructuring agreement with Corp-A, which is experiencing financial difficulties, Bank-B restructures a $1 mil Loan receivable issued at par (interest is paid to date), note restructured by: 1-Reducing principal obligation from $1,000,000 to $900,000, 2-Note has 4-yrs remaining, maturity date to 12/31/20X5, 3-Pay current interest rate at 12%, stated rate on note (Current market IR for loan of this nature is 14%), 4-Pay only the 3rd & 4th year of interest payments at 12% (Interest payments for 1st and 2nd years are not required), detailed accounting by Allen Mursau
Views: 2962 Allen Mursau
Time Value of Money TVM Lesson/Tutorial Future/Present Value Formula Interest Annuities Perpetuities
 
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http://www.subjectmoney.com This Time Value of Money Lesson TVM covers all the basic concepts of the Time Value of Money that you would learn in Finance. In this tvm tutorial we cover simple interest, compound interest, present value formula, future value formula, annuity due, ordinary annuity, present value of annuities, future value of an annuity, intrayear compounding interest, and perpetuities. In this time value of money lesson we teach you by video using visualizations to help you understand how money and time works. If you study this finance tvm video tutorial in combination with what you leanr about the time value of money in your finance class, you should have a clear understanding when it is time to take your time value of money tvm test or exam. I’m glad that I could help you study for your finance time value of money exam. What is simple interest? What is compound interest? What is an ordinary annuity? What is an annuity due? What is the present value formula? What is the future value formula? How to solve the present value of an uneven series of cash flows. What is a perpetuity? How to solve the present value of an ordinary annuity. How to solve the present value of an annuity due. How to solve the future value of an annuity due. How to solve the future value of an ordinary annuity. Present value of a perpetuity formula. Time value of money, time value of money lesson, tvm, tvm lesson, tvm formulas, time value of money formulas, present value formula, future value formula, present value, future value, annuity due, ordinary annuity, simple interest, compounding interest, intrayear compounding interest, perpetuity, present value of a perpetuity, how to present value, what is present value, what is time value of money
Views: 183543 Subjectmoney
Calculating Student Loan Interest
 
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This video will show people how to calculate student loan interest. In particular, this video focuses on how to calculate the interest rate on an unsubsidized student loan. This video will highlight the concept of compound interest.
Views: 16845 vinteachesmath
LBO Model - Debt Schedules & Interest Expense (Dell Case Study)
 
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In this tutorial, we walk through Silver Lake's $24 billion leveraged buyout of Dell and explain the tasks you might have to complete if you were to analyze this deal as part of a case study in a private equity interview. By http://www.mergersandinquisitions.com/ "Discover How To Break Into Investment Banking or Private Equity, The Easy Way" In Part 3 of the case study, we walk you through how to create the debt schedules for the company, handle repayments of existing assumed debt, and calculate mandatory and optional repayments each year. Then, we show you how to link the debt schedules to the Balance Sheet and Cash Flow Statement and how to build in the option for circular references and average debt balances when calculating and linking net interest expense at the end. Please see the link below to get all the Excel files and PDFs and other resources. http://www.mergersandinquisitions.com/leveraged-buyout-lbo-model-debt-schedules-interest-expense/
My $70,000 Debt Breakdown | Principal and Interest Payments
 
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During this video I give a detailed breakdown of total debt amount, interest, and payoff date. I touch on what I need to contribute to my loans each month to make sure I hit my goal of being debt free in 12 months. -~-~~-~~~-~~-~- Please watch: "Mid-Year Debt Check In // I paid off $43,000 in 6 Months" https://www.youtube.com/watch?v=WiQPoPKPqi4 -~-~~-~~~-~~-~-
Views: 830 Lewis Pike
How to pay off a 30 year home mortgage in 5-7 years
 
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SUMMARY: In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off. This strategy is known as Velocity Banking and in the video I will demonstrate how Velocity Banking can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income. RECAP OF THE VIDEO: I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership… Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing. By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the Velocity Banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings. KARL'S MORTGAGE CALCULATOR APP: https://itunes.apple.com/us/app/karls-mortgage-calculator/id1025852681?mt=8 Android version: https://play.google.com/store/apps/details?id=com.drcalculator.android.mortgage ★☆★ SUBSCRIBE TO MY YOUTUBE CHANNEL FOR VIDEOS ABOUT REAL ESTATE AND BUSINESS ★☆★ ► Velocity Banking & Real Estate Investing Course - Please email me at [email protected] for more information. ★☆★ CONNECT WITH ME ON SOCIAL MEDIA ★☆★ FACEBOOK: https://www.facebook.com/Laura-Pitko-1464576883611081/ INSTAGRAM: https://www.instagram.com/laura_pitko24/ DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.
Views: 2545613 Laura Pitko
How Credit Card Interest Works: The Math
 
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Have you ever wondered how credit card interest works? How do they determine how much you owe? Your credit card probably lists an annual interest rate, an "APR". This video will explain how to use your APR to figure out exactly how much interest you will owe on your credit card bill. The banks usually use a method called "Average Daily Balance". This video works though an example of the math, so you can get a deep understanding of what goes on behind the scenes. Don't forget to watch How Credit Card Grace Periods work to avoid interest all together: https://youtu.be/TYK5GA4uYwU
Views: 101069 Chaos Theory Consulting
How to Calculate Daily Interest-- Big Motivation to Pay Off Debt-- LIVE video
 
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Need some motivation to pay off debt fast? Try calculating how much you're paying in interest each day. Get my 7-day Smash Debt email series for free here: https://sixfiguresunder.com/smashdebt Live Announcing Our Goal to Pay off Mortgage in 5 years: https://www.youtube.com/watch?v=YzC55GEujBE ------FOLLOW ME------ Blog: https://www.sixfiguresunder.com YouTube: https://www.youtube.com/channel/UCaIuFNmawD5i7_KgXYMH11A Instagram: https://www.instagram.com/sixfiguresunder Facebook: https://www.facebook.com/sixfigures.under Pinterest: https://www.pinterest.com/sixfiguresunder
Views: 274 Six Figures Under
Introduction to present value | Interest and debt | Finance & Capital Markets | Khan Academy
 
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A choice between money now and money later. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/present-value-2?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/time-value-of-money?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: If you gladly pay for a hamburger on Tuesday for a hamburger today, is it equivalent to paying for it today? A reasonable argument can be made that most everything in finance really boils down to "present value". So pay attention to this tutorial. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 755635 Khan Academy
The Late Payment of Commercial Debts (Interest) Act
 
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How does piece of legislation fit in with your T&C's? Do you know how to work it out? What does 'Reasonable Costs' mean?
Views: 123 Steve Thornbury
How Do Principal Payments Work on a Home Mortgage?
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 405274 The Dave Ramsey Show
Cancel interest and payoff debt
 
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Views: 1368 Rob Jenkins Live
Time value of money | Interest and debt | Finance & Capital Markets | Khan Academy
 
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Why when you get your money matters as much as how much money. Present and future value also discussed. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/introduction-to-present-value?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/cont-comp-int-and-e/v/continuously-compounding-interest-formula-e?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: If you gladly pay for a hamburger on Tuesday for a hamburger today, is it equivalent to paying for it today? A reasonable argument can be made that most everything in finance really boils down to "present value". So pay attention to this tutorial. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 427014 Khan Academy
Brilliant Mortgage & Debt Payoff Methods Has Banks on Edge
 
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My Credit & Cashflow is Power™️ Credit & Cashflow Consulting, LLC *All Training & Support Included Work With Me and Build Your Cashflow & Credit 👉 http://www.mycashflowispower.com Connect With Me On Facebook LaTanya “Mrs Coach” DeLoach 👉 http://www.facebook.com/Credit2CASHFLOW/ Recommend Do It Yourself Credit Secrets Book #LarryKing Credit Secrets 👉 http://www.thecreditsecretsbook.com "Step-by-Step how to Pay only $75,000 of mortgage interest instead of $283,000 on every property." "How nearly $50,000 in credit cards & auto loans was paid off in under 3 yrs How to Rapidly pay off ALL Non-Mortgage Debts Share Link: http://youtu.be/eklyWmGJr6M ================================================ LaTanya Mrs Coach DeLoach Connect with me on Social Media FaceBook http://www.fb.com/lhdeloach Instagram http://www.instagram.com/mrscoachdeloach Email: [email protected] ================================================ Recommended Video: http://youtu.be/BSTP72qdkrI How To Own Real Estate With No Mortgage: http://youtu.be/GvK1Us6FH-w How to Rapidly pay off ALL Non-Mortgage Debts: http://youtu.be/eklyWmGJr6M Video Recap: 00:15 killed 50,000 in non-mortgage debt 00:38 avoid 250 payments in the home they live in 00:56 lump sum payments, paycheck parking, cash flow stacking
How to Reduce Home Loan Interest Burden || Home loan Tips and Tricks
 
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Home Loan Home Loan EMI is perhaps the biggest monthly expense item for a number of people. EMIs typically comprise 35-40% of take home salaries of individuals. With such high EMIs, very little is left to invest for other financial goals. To purchase their dream house and to keep their EMIs affordable, people go for long tenor loans. However, not many people realize that longer the EMI tenor, the more you pay in terms of interest. . Pay One More EMI per Year 2. Increase EMI by 3%- 7 % Every Year 3. You Can Do Both 4. Refinance at a Lower Interest Rate
Views: 304215 The Viral Media
How to pay off student loans 4-5X faster
 
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SUMMARY: This is a requested video of the Velocity Banking strategy I shared in my “How to pay off a 30 year home mortgage in 5-7 years” video, but rather than focusing on mortgages this video is all about student loans. The purpose of this video is to provide insight into the step by step process of implementing this strategy as well as understanding the terms associated with a student loan. Follow along with me in this video to learn how quickly you can pay off your student loan debt and to find out how much money you can save in interest using this strategy! RECAP OF THE VIDEO: I start off by explaining the significance of cash flow and how you can identify and maximize your cash flow by using a budget. I go on to identify the terms of a student loan and clarify the outcomes of a deferment. Then I introduce the strategy by explaining how a line of credit can act as a tool which will chip away at the student loan principal balance in large massive chunks. Once the line of credit is in place which can be either a credit card or a personal line of credit, this new tool becomes the main banking tool acting as both a checking and savings account in one. The implementation of the strategy begins by taking 3/4th of the limit of the line of credit to use as principal paydown on the student loan. Reason 1 for using only 3/4th of the line of credit limit is to avoid getting the account frozen and reason 2 is to leave extra room with access to money incase of an emergency. Once net monthly income and monthly living expenses are identified, the next step is to see how long it will take to pay off the new balance that is on the personal line of credit. With my example, I go on to show that it will take 10 months to pay off a balance of $15K and using an amortization calculator you can put in your numbers to figure out how many times the chunking method would have to be repeated until the student loan is completely paid off. VIDEOS IN THIS SERIES: How to create a budget: https://youtu.be/Luu3ETRDleE How to pay off a 30 year home mortgage in 5-7 years: https://youtu.be/4GonTct2WMk Understanding how to calculate credit card/ (PLOC) interest: https://youtu.be/J9978byclgk AMORTIZATION CALCULATOR APP (KARL'S MORTGAGE CALCULATOR): https://itunes.apple.com/us/app/karls-mortgage-calculator/id1025852681?mt=8 ★☆★ SUBSCRIBE TO MY YOUTUBE CHANNEL FOR VIDEOS ON FINANCIAL LITERACY, REAL ESTATE AND BUSINESS ★☆★ ► Velocity Banking Course - Please email me at [email protected] for more information. ★☆★ CONNECT WITH ME ON SOCIAL MEDIA ★☆★ FACEBOOK: https://www.facebook.com/Laura-Pitko-1464576883611081/ INSTAGRAM: https://www.instagram.com/laura_pitko24/ DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.
Views: 35660 Laura Pitko
How student loan interest really works
 
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Student loans are yet another way big banks and student loan servicing companies make tons of money off of main street. Its a huge debt trap that is largely misunderstood. Cat and Ryan provide three suggestions for how to not get totally screwed over by your student loans. Spreadsheet here http://www.servethemembers.com/images/Loan_Amortization_Daily.xls
Views: 33591 Cathryn Carkhuff
Simple Interest-09 [Installment Problems]: Mission SBI PO-2017 and SSC-2017: By Amar Sir
 
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Amar Sir's Math Tricks: Quicker Method: Just in few seconds: Without using pen and paper: SBI PO/ Clerk/ IBPS PO/ Clerk/ SSC CGL/ Railway/ RRB/ LIC/ NDA/ CDS/ IAS/ JPSC/ BPSC: By Amar Sir having an experience of 23 years of teaching: Director of Chanakya Career Academy, Jamshedpur: 09931134475\09334476175 -~-~~-~~~-~~-~- Please watch: "Puzzles Questions 01 Reasoning SBI PO CLERK IBPS PO CLERK SSC CGL By Shivani #Amar Sir" https://www.youtube.com/watch?v=GdkrKZrPLPg -~-~~-~~~-~~-~-
Views: 93298 Amar Sir
Relationship between bond prices and interest rates | Finance & Capital Markets | Khan Academy
 
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Why bond prices move inversely to changes in interest rate. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/treasury-bond-prices-and-yields?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/introduction-to-the-yield-curve?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Both corporations and governments can borrow money by selling bonds. This tutorial explains how this works and how bond prices relate to interest rates. In general, understanding this not only helps you with your own investing, but gives you a lens on the entire global economy. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 517798 Khan Academy
Deficits & Debts: Crash Course Economics #9
 
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What is debt? What is a deficit? And do these things have different outcomes for individuals and nations? Adriene and Jacob answer all these questions and more on this week's Crash Course Econ. Deficit and debt are easy to misunderstand, but luckily, they're also pretty easy to understand. This week we'll explain what deficit and debt are, and talk about what the sources of deficit and debt are for the US Government. Also, we'll take a very special trip to Cliffordonia to try and understand these concepts and get a look at what a colonial-era space program might have looked like. Crash Course is on Patreon! You can support us directly by signing up at http://www.patreon.com/crashcourse Thanks to the following Patrons for their generous monthly contributions that help keep Crash Course free for everyone forever: Mark , Elliot Beter, Moritz Schmidt, Jeffrey Thompson, Ian Dundore, Jacob Ash, Jessica Wode, Today I Found Out, Christy Huddleston, James Craver, Chris Peters, SR Foxley, Steve Marshall, Simun Niclasen, Eric Kitchen, Robert Kunz, Avi Yashchin, Jason A Saslow, Jan Schmid, Daniel Baulig, Christian , Anna-Ester Volozh Want to find Crash Course elsewhere on the internet? Facebook - http://www.facebook.com/YouTubeCrashCourse Twitter - http://www.twitter.com/TheCrashCourse Tumblr - http://thecrashcourse.tumblr.com Support Crash Course on Patreon: http://patreon.com/crashcourse CC Kids: http://www.youtube.com/crashcoursekids
Views: 622800 CrashCourse
Credit Card Debt Explained With a Glass of Water
 
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http://www.totaldebtrelief.net uses a pitcher and a glass of water demonstrate the effects of minimum credit card payments. This video uses a simple analogy to describe how the average American is throwing away their money to the credit card companies. Visit totaldebtrelief.net for more information on credit card debt relief.
Views: 419714 TotalDebtRelief
Troubled Debt Restructuring (Continuation Of Debt With New Effective Interest Rate)
 
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Accounting for restructuring of debt by modification of terms of a loan (notes payable), continuation of debt with a new effective interest rate for the debtor while interest payments are based on the existing rate on the loan (notes payable or notes receivable), exampleCorp-A owes Bank-B a 7-yr, 10% note in the amount $660,000 plus $66,000 accrued interest, the note is due now 12/31/20X1, Corp-A is in financial trouble, Bank-B agrees to restructure loan: 1- Forgive accrued interest of $66,000 by Corp-A, 2-Reduce the principal by $60,000 ($660,000 down to $600,000), 3-Extend the maturity date to 12/31/20X4 (by 3-years), 4-Interest at 10% on revised principal is due on (12/31) each year, debtor has to calculate a new effective interest rate and use it to amortize the loan (note payable) to determine the effective interest expense on the loan, detailed calculations by Allen Mursau
Views: 531 Allen Mursau
Get Maximum Interest Savings Account | BeatTheBush
 
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What savings interest rate should you be getting? 0.01% and 0.03% is considered low. While 1.05% isn't really that much, its still 100x better than what you would get at commercial banks. Beware of the oddly stupid CDs that are being offered. They lock you into a period of deposit while giving less interest than you would get at an online savings account! Some high yield interest rate online savings account I mentioned. http://www.synchronybank.com http://www.allybank.com http://www.discoverbank.com . Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Views: 148360 BeatTheBush
How to Calculate Interest Rates (The Easy Way)
 
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If you want to know how to calculate simple interest APR, then watch this quick video! Please subscribe: https://www.youtube.com/c/HonestFinance?sub_confirmation=1 Calculating annual interest rates is super easy to do and it's something that everybody should understand. Enjoy and please share if you liked the video. Thanks. ************** Support my channel by shopping with these affiliate links (they won't cost you anything). Thanks a million!! My favorite Credit Card (Get $250😘 ): http://bit.ly/amex_yt The $3 Book that Changed my Life: http://amzn.to/2DuHmIy Get 2 Free Audiobooks from Amazon’s Audible: https://amzn.to/2QIBUso Because leaders are readers :) Amazon Prime (30 Day Free Trial): https://amzn.to/2INIhrz Investing and Loans..... Get a Free Stock for trying Robinhood: http://bit.ly/robinhood_hf Lightstream loans is who I recommend for any auto loans, personal loans or debt consolidation. They have the best rates and don’t charge any fees or pre-payment penalties: http://bit.ly/lightsteam_loans Books I Recommend..... Best Book on Time Management: http://amzn.to/2Cj59hG Best Book on Investing/Stock Market: http://amzn.to/2DtEM5E Best Book on Budgeting/Debt: http://amzn.to/2Ekyszc Best Book on How Money Works: http://amzn.to/2Eaqdp5 *************** Welcome to the Honest Finance Channel! I'll give you the honest truth about a variety of financial topics in a way that actually makes sense. I'm not a financial advisor and I'm not here to advertise a bunch of products. I simply want to share my financial advice with anyone who will listen. Help me translate my videos: http://www.youtube.com/timedtext_cs_panel?c=UCNGiXK9ZsxIzY-3g_TPilBQ&tab=2 I am a participant in affiliate advertising programs designed to provide a means for myself to earn a small commission by linking to affiliate sites. #honestfinance
Views: 417 Honest Finance
How to pay off debt with a credit card
 
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Carrying a balance on a high-interest credit card? Consider doing a balance transfer to a new card with a lower rate — possibly even one with 0% for a year or more. A balance transfer is a simple concept: You apply for a new card with a lower interest rate, then move your balance to it from the old card. In effect, you’re using one card to pay off another, but you’re getting a lower interest rate in the process. It buys you time to help chip away at the debt. Paying off debt is hard, but can be done. Stick to a plan and remember to always make on-time payments. To find the best balance transfer and 0% APR credit cards and to see if you qualify, visit: https://nerd.me/balancetransfer This video on balance transfer credit cards will help answer the following: - What is a balance transfer? - How do balance transfer credit cards work? - Important considerations and fees, plus other options for those with lower credit Related videos from NerdWallet Money Talks: How to manage your money How to build a budget: https://www.youtube.com/watch?v=LmekKaCp9W8 How to get out of debt: https://www.youtube.com/watch?v=hDrlSmlgFX8 How to keep you cash; you earned it: https://www.youtube.com/watch?v=TLMgu4b1uSM How to set your future self up for success: https://www.youtube.com/watch?v=ngxcGsFWvjc Credit card basics How to calculate credit card interest: https://www.youtube.com/watch?v=6KWEca6QVoc&t=25s How paying down your cards could help your credit: https://www.youtube.com/watch?v=0iq21P2kMhc&t=1s 3 reasons to use credit cards over debit cards: https://www.youtube.com/watch?v=lQDNLHtYbBw&t=1s Words From Our Nerds: Credit card reviews: https://www.youtube.com/playlist?list=PLhAMTx0LcjnpOxi9d5PTyFpndHziHUSnn
Views: 26710 NerdWallet
How to calculate the bond price and yield to maturity
 
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This video will show you how to calculate the bond price and yield to maturity in a financial calculator. If you need to find the Present value by hand please watch this video :) http://youtu.be/5uAICRPUzsM There are more videos for EXCEL as well Like and subscribe :) Please visit us at http://www.i-hate-math.com Thanks for learning
Views: 288398 I Hate Math Group, Inc
Should You Invest or Pay off Debt?
 
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Get FREE Audiobooks and 2 Audible Originals (and support this channel!) with a 30-day Free Trial of Audible: https://amzn.to/2zEFqhT Subscribe for weekly finance videos: https://www.youtube.com/channel/UCbsDR27rGCFdDKQVRl_tgEQ?sub_confirmation=1 To invest or to pay off debt... that is the question. When it comes to personal finance, investing and retirement conversations we generally have a lot of questions without any clear-cut answers. Should you invest or pay off debt is one of those questions. Many feel that it is foolish to stop investing (temporarily) to pay off debt because you would lose out on your 401K match. I mean, it's FREE MONEY! Are you seriously going to pass that up? Well in most cases I think that I would. In this video I'm going to explain why, in my opinion, it is often better to take a temporary break from investing to pay off debt. What Is Your Car Payment REALLY Costing YOU?: https://youtu.be/nLR-0baUah8 Debt Snowball Vs Debt Avalanche: https://youtu.be/jtgnRJKSJlw If you enjoyed this video you can check out some of my other videos at the links below! All of my Personal Finance/Investing videos: https://goo.gl/XW5U3k All of my Book Summaries: goo.gl/xmWeaD All of my Social Skills videos: https://goo.gl/N6ikxe All of my Health Related videos: https://goo.gl/hjQ1j9 All of my Productivity videos: https://goo.gl/WguoFs -~-~~-~~~-~~-~- Please watch: "The Budget That Pays You First | Reverse Budget Explained | Budgeting For Beginners" https://www.youtube.com/watch?v=6RmnUXnBc_g -~-~~-~~~-~~-~-
Views: 206910 Next Level Life
Pay Off Debt Using the Debt Snowball
 
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You CAN take control of your money! You just need the right plan. Financial Peace University is that plan! https://goo.gl/5QJnZr Want to take a deep dive into the debt snowball? Click here for a four-day email series and get your debt snowball rolling! https://goo.gl/jSVm8P
Views: 350335 The Dave Ramsey Show
How To Pay Off Your Debt...Through Your Credit Line!
 
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Wow! What an outrageous statement for such a simple plan. You can do it too!
Views: 62270 Conanjay Wallace
How Student Loans Work...EXPLAINED!
 
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This video goes out to Tyler Oakley, who asked us to explain student loans! Here's the essential info on financial loans, Stafford loans, loan forgiveness, Perkins loans, loan debt, and more! CORRECTION: This video was cowritten by Mike and Alan Lastufka (Http://alandistro.tumblr.com), not just Mike! Sorryyyy! VIDEO LINKS: The Trevor Project: 866-488-7386 http://www.thetrevorproject.org/ http://www.fafsa.ed.gov/ http://blog.credit.com/2015/04/can-you-discharge-private-student-loans-in-bankruptcy-113463/ http://www.finaid.org/loans/privatestudentloans.phtml https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service http://www.forbes.com/sites/moneybuilder/2013/02/01/alarming-number-of-student-loans-are-delinquent/ Support How to Adult on Patreon at http://www.patreon.com/howtoadult HOW TO ADULT Posters Now Available from DFTBA Records! http://store.dftba.com/collections/how-to-adult Merchandise from Mike (including "Reading Changes Us" and "Everything Not Saved Will Be Lost" posters!): http://store.dftba.com/collections/t-michael-martin "How to Adult" is a "life skills" edutainment channel brought to you by Executive Producers Hank Green and John Green. Subscribe for new videos every week! Tumblr: http://learnhowtoadult.tumblr.com Twitter: http://www.twitter.com/learnhowtoadult Facebook: http://www.facebook.com/learnhowtoadult Created by: Emma Mills & T. Michael (Mike) Martin http://www.youtube.com/elmify http://www.youtube.com/tmikemartin Emma and Mike are also Young Adult novelists! Check out Mike's debut novel, THE END GAMES, at all online booksellers, including Amazon: (http://www.amazon.com/gp/product/0062201816/ref=as_li_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=0062201816&linkCode=as2&tag=tmicmar-20&linkId=CF4ULRBEW6LATV3C) Check out Emma's debut novel, FIRST & THEN, at all booksellers, including Amazon: http://amzn.to/1Kch7b0 Hosted and Directed by: T. Michael Martin Written by: Alan Lastufka (http://alandistro.tumblr.com) & T. Michael Martin Edited by: Nathan Talbott (http://www.youtube.com/nathantalbott) Executive Producers: Hank & John Green http://www.youtube.com/vlogbrothers
Views: 152094 How to Adult
Why are half my monthly credit card payments going towards interest charges?
 
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Q. Why are half my monthly credit card payments going towards interest? A. If this is the case it's because you've been carrying balances forward and making only your minimum payments. As a result you've fallen victim to the power of compound interest. The simple explanation of this is that the card issuer has added its interest charges to your principal (which is the amount you originally borrowed) so that your debt grows exponentially. Here's a simple example of how this works with simple annual interest. If you owe $100 on a credit card at 10% interest you'll be charged $10 the first year or 10% of the $100. With compound interest that $10 will be added to your original debt so that you now owe $110. The next year you will again be charged $10 interest so that this now comes out to be $11 (110 x 0.10) so you now owe $121. But your credit card companies don’t charge simple interest; they charge daily compounded interest – if you don’t pay off your balances in full each month you’ll soon be paying interest on your interest charges. And after a few years you’ll end up paying 2 times, 3 times, even 4 times or more what you originally borrowed thanks to compound interest. See how quickly things add up? This is why people that have multiple credit card debts end up turning to debt consolidation, debt relief programs or even bankruptcy. There is a good reason for this. When you consolidate debts – whether through a debt consolidation loan, consumer credit counseling or debt settlement – you would have just one payment a month in place of the multiple payments you’ve been juggling. In addition, your one payment should be for less than the sum of the payments you’ve been making. If you’re drowning in credit card debt and high interest charges, visit https://www.nationaldebtrelief.com to learn how to reduce your credit card debt without bankruptcy.
Views: 305 Paul Ritz
Interest Rate Swap Hedge Against Notes Payable (Debt) Gain Or Loss On Swap Contract
 
09:38
Interest rate swap contract hedge against fixed debt (Notes Payable), Company issues Notes Payable and at same time buys an interest rate swap contract betting that interest rates will decline, company will pay a variable interest rate (betting it will decrease) while receiving a fixed interest rate on the swap (betting it will be higher than the variable rate) which will decrease the total interest expense, example includes detailed accounting calculations for the swap and shows complete balance sheet journal entires for the swap contract and notes payable, income statement journal entries for the interest expense, gain or loss on notes payable, gain or loss on swap contract, detailed accounting example by Allen Mursau
Views: 5230 Allen Mursau
कर्ज खत्म करने के 8 अचूक उपाय | How to Pay Off Your Loans | Dr. Vivek Bindra
 
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In this video Dr. Vivek Bindra reveals 8 Extraordinary and revolutionary steps to eliminate your debts and manage your money, plan your finance and control your costs. As always Dr. Bindra in this video too lays down a framework for your success and financial growth. He has asked his audience for a call to action basis advises from some of the top money managers in the world. 1. If you want to save money, please watch this video 2. If you want to know ways to save money, please watch this video 3. If you want to know methods of saving money, please watch this video 4. If you want to make money, please watch this video 5. If you want to create wealth, please watch this video 6. If you want to save wealth, please watch this video 7. If you want to know how to save wisely, please watch this video 8. If you want to know how to invest wisely, please watch this video 9. If you want to get red of debt then please watch this video 10. If you want to learn to plan your finance then please watch this video 11. Learn how to plan your EMI payouts 12. Know how to plan your loan payouts 13. Know how to plan your payments to pay less and get more gains 14. Learn how to generate some extra EMI fund 15. Learn how to earn from additional sources 16. Learn to plan an additional source of income 17. Learn how to invest in appreciating assets 18. Learn what is temporary downsizing 19. Learn how to evaluate your extra expenses 20. Learn how to cut down on your extra expenses 21. Learn how to avoid from investing in non value added services and save 30% extra money To Attend a 4 hour Power Packed “Extreme Motivation & Peak Performance” Seminar of BOUNCE BACK SERIES, Call at +919310144443 or Visit https://bouncebackseries.com/ To attend upcoming LEADERSHIP FUNNEL PROGRAM, Call at +919810544443 or Visit https://vivekbindra.com/upcoming-programs/leadership-funnel-by-vivek-bindra.php Watch the Leadership funnel Program Testimonial Video, here at https://youtu.be/xNUysc5b0uI Follow our Official Facebook Page at https://facebook.com/DailyMotivationByVivekBindra/ and get updates of recent happenings, events, seminars, blog articles and daily motivation.
The Debts of the USA. Payments on interest only for 2010: 413 Billion US $
 
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Despite several warnings, Woodrow Wilson signed in 1913 the Federal Reserve Act, which enabled the Rothschild family to create the Federal Reserve Bank and lend money to the USA, for interest. A few years later he wrote: "I am a most unhappy man. I have unwittingly ruined my country. A great industrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the civilized world, no longer a Government by free opinion, no longer a Government by conviction and the vote of the majority, but a Government by the opinion and duress of a small group of dominant men."
Views: 237 Klaus Weichhaus
Leasing - Discount rate for the lease liability
 
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Learn more at PwC.com - https://pwc.to/2JBu7d4 The discount rate is used by a lessee to measure liabilities under the new leases standard. As lessees evaluate the appropriate discount rate to use, this video helps cover key factors to consider. *Transcript text has been reduced for space restrictions. Watch the full video for the complete information. Continuing our leases video series with the discount rate that a lessee should use in measuring a lease liability under the new leases standard. We’ll cover: Why the discount rate in a lease matters and how it impacts lease accounting; How the new standard has changed the definition of the incremental borrowing rate or IBR; What can be used as collateral in determining the IBR, and How to determine the term used for the IBR. The discount rate is used to measure the lease liability for an operating lease at transition and for any new operating or finance lease going forward. The discount rate will directly impact the amounts recognized on the balance sheet for lessees. The discount rate will be important to more companies than before. The standard requires companies to use the rate implicit in the lease ... but only if it’s readily determinable. The rate implicit in the lease is the interest rate that causes the aggregate present value of the lease payments and the unguaranteed residual value of the asset … to equal the current fair value of the leased asset less any investment tax credit plus the lessor’s deferred initial direct costs. Usually a lessee won’t be able to readily determine the unguaranteed residual value nor the lessor’s deferred initial direct costs ... so we don’t expect lessees will use the rate implicit in the lease very often. If the lessee can’t readily determine the rate implicit in the lease, it should use its own incremental borrowing rate, or IBR. Now, that’s the same requirement as the current leasing guidance. But the definition of the incremental borrowing rate is different under the new guidance. The new leases guidance defines the incremental borrowing rate as the rate of interest that a lessee would have to pay to borrow on a collateralized basis over a similar term, an amount equal to the lease payments in a similar economic environment. Now, that’s different from the current guidance……..which requires companies to use a rate that the lessee would have incurred to borrow the funds over a similar term to purchase the leased asset…. and the rate didn’t have to be a FULLY collateralized or secured rate. The rate was usually a weighted average of secured and unsecured rates. Often this was based on what the lessee would pay on debt with characteristics approximating those of the lease, such as a similar loan-to-value ratio. We think that any form of collateral can be used to determine the incremental borrowing rate, so long as it’s a fully-secured rate for a loan with similar payment terms. We don’t think you have to use the leased asset as collateral. And in many cases, you may not be able to use it as collateral. An observable interest rate for an existing secured line could be an acceptable IBR. It may be challenging for some companies to determine a secured borrowing rate for the length of the lease. A company may have secured borrowing arrangements with maturities of 3 years whereas they may have a 10 year lease. Companies may need to start with an unsecured rate and make adjustments to come to a secured rate. Or they may need to start with the term of payments under a borrowing and make adjustments to get to the specific term of the lease payments. It’s also important to consider the timing of when principal payments are made on borrowings relative to the timing of payments for leases. Many borrowings have a bullet payment in which the entire principal is due at maturity. Often, with leases, the portion of the payment that would be allocated to the principal occurs over the life of the lease as it’s an amortizing amount … which makes the weighted average life shorter. A shorter weighted average life typically results in a lower interest rate. Therefore, understanding the payment terms is important in determining the IBR. As an example, a 5 year borrowing with the entire principal payable at year 5 could have a different and usually higher interest rate than a 5 year borrowing where some of the principal is payable in installments at each payment date over the 5 years. For more information, please refer to the leases section on CFOdirect.com.
Views: 8013 PwC US
GBS132 Personal Finance - Savings and Debt - Compound Interest - Effective Interest Rate
 
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CREDITS Chris: Debt Payment Calculations and Savings Script Tyler: Compound Interest and Time Script, Audio Hailee: Scenario Script, PowerPoint Design, Timing Hailey: Effective Interest Rate and Review
Views: 48 Tyler Howarth
Understanding the National Debt and Budget Deficit
 
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In which John discusses the US national debt, the federal budget deficit, plans for shrinking or eliminating the deficit, and tries to provide some context to the political rhetoric and statistics that are constantly thrown around in an election season. Along the way, I hope you'll understand why the United States' sovereign debt hasn't led us to an economic crisis, but also why budget deficits need to shrink in order to ensure that credit remains inexpensive and the US continues to enjoy the trust of the world economy. (Friendly reminder: Educational videos, by extensive precedent, are allowed to be longer than 4:00.) Here's why I think the gold standard is a bad idea: 1. By restricting money supply to the supply of gold, you risk shrinking the money supply just because of a shock leading to a disruption in supply from mining. This creates a lot of volatility in the money supply for no reason. 2. The gold standard limits a government's ability to respond to changes in the market, which can (and has) led to unescapable deflationary spirals. 3. Far from inspiring investor confidence, its implementation would crush it: http://www.ocregister.com/opinion/gold-369936-standard-money.html Posters and stuff: http://dftba.com My tumblr: http://fishingboatproceeds.tumblr.com My twitter: http://www.twitter.com/realjohngreen HERE ARE A LOT OF LINKS TO NERDFIGHTASTIC THINGS: Shirts and Stuff: http://dftba.com/artist/30/Vlogbrothers Hank's Music: http://dftba.com/artist/15/Hank-Green John's Books: http://amzn.to/j3LYqo ====================== Hank's Twitter: http://www.twitter.com/hankgreen Hank's Facebook: http://www.facebook.com/hankimon Hank's tumblr: http://edwardspoonhands.tumblr.com John's Twitter: http://www.twitter.com/realjohngreen John's Facebook: http://www.facebook.com/johngreenfans John's tumblr: http://fishingboatproceeds.tumblr.com ====================== Other Channels Crash Course: http://www.youtube.com/crashcourse SciShow: http://www.youtube.com/scishow Gaming: http://www.youtube.com/hankgames VidCon: http://www.youtube.com/vidcon Hank's Channel: http://www.youtube.com/hankschannel Truth or Fail: http://www.youtube.com/truthorfail ====================== Nerdfighteria http://effyeahnerdfighters.com/ http://effyeahnerdfighters.com/nftumblrs http://reddit.com/r/nerdfighters http://nerdfighteria.info/ A Bunny (\(\ ( - -) ((') (')
Views: 967187 vlogbrothers

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