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How To: Find APR, EAR & amortization for payday loans in Excel

New to Microsoft Excel? Looking for a tip? How about a tip so mind-blowingly useful as to qualify as a magic trick? You're in luck. In this MS Excel tutorial from ExcelIsFun, the 623rd installment in their series of digital spreadsheet magic tricks, you'll learn how to see the pain that pay day loans inflict on people using Excel. Learn how to calculate APR (Annual Percentage Rate), EAR (Effective Annual Rate), an Amortization Table and the EAR for a loan that takes a fee out up front. Learn ...

How To: Calculate interest rates for payday loans in MS Excel

The video demonstrates the way of calculating the interest rates for payday loans using MS Excel. The person presenting the video has got his MS Excel sheet with all the formulas and data ready. He first starts with the nominal & effect & future value tab. He gives us an example where you give the lenders a check of $250 that has a date 25 days in future and get $200 loan today. Now he teaches us hot to calculate APR and EAR. HE has got the data ready there, the period of the loan which is 25...

How To: Compare loans with a spreadsheet in Microsoft Excel

Whether you're interested in learning Microsoft Excel from the bottom up or just looking to pick up a few tips and tricks, you've come to the right place. In this tutorial from everyone's favorite digital spreadsheet guru, ExcelIsFun, the 45th installment in his "Highline Excel Class" series of free video Excel lessons, you'll learn how to perform debt analysis with the following input variables: % Down Payment, APR, Years, Points, Extra Fee. See how to calculate Amount to Borrow, Monthly Pay...

How To: Get an FHA loan

Looking to get an FHA loan? The Federal Housing Administration, FHA for short, provides mortgage insurance on loans made by FHA-approved lenders throughout the U.S. Here's how to get your FHA-insured loan. Learn how to get one with help from this video.

How To: Improve your credit score, even in a recession

Now more than ever, people everywhere are suffering from bad credit. Credit is important. You need it to take out loans, buy a house, rent an apartment, get a car, almost anything! Check out this two part video, presented by Daniel Medina from United Credit Education Services, and listen along as he offers you tips on how to improve your credit - even in a recession. This helpful and informative video can start you on the right track to financial stability, no matter what the circumstances.

How To: Create a mortgage calculator in Microsoft Excel

New to Microsoft Excel? Looking for a tip? How about a tip so mind-blowingly useful as to qualify as a magic trick? You're in luck. In this MS Excel tutorial from ExcelIsFun, the 355th installment in their series of digital spreadsheet magic tricks, you'll learn how to use VLOOKUP to create a mortgage calculator that can handle four different types of loans: begin annuity, end annuity, interest only and "other."

How To: Start your term paper research

Katherine Miller teaches the secrets of starting your term paper research by using concept mapping method. Use a large sheet of paper and a marker to map out our ideas. First take an example like "Succeeding at college and grades" and write down the factors affecting your goal. The most common factor is money, now write down the things that has an impact on money like jobs, business and loans. The other factors are outside life, health, places for help and study habits. Simultaneously write i...

How To: Calculate & compare interest rates in Microsoft Excel

Whether you're interested in learning Microsoft Excel from the bottom up or just looking to pick up a few tips and tricks, you've come to the right place. In this tutorial from everyone's favorite digital spreadsheet guru, ExcelIsFun, the 48th installment in his "Highline Excel Class" series of free video Excel lessons, you'll learn how to use the RATE, EFFECT, NOMINAL and NPER Excel functions to solve the following problems:

How To: Start your own business

There's nothing better than being your own boss some say. If you are ready for the risks and the work, take your passion to the next level and start your own business. Learn how to start your own business with help from this video.

How To: Use Business Chat on Your iPhone to Securely Interact with Companies via iMessage

Apple first announced Business Chat, a new way for customers to communicate with companies, at WWDC 2017. While Business Chat did not arrive with the initial release of iOS 11, Apple pushed it out in iOS 11.3 so companies can offer customer service in a whole new way, and it works pretty much the same in iOS 12 and higher as it did back then.

News: Sneak Peek at Super Bowl 50's Commercials for 2016

Up until the last 15 years or so, watching the commercials during the Super Bowl was arguably more exciting than the game itself. Super Bowl XXIV featured the San Francisco 49ers blowing out the Broncos, 55-10, in the worst Super Bowl beatdown of all time. The game might not have been that exciting, but the commercials sure were.

How To: Tips for Preordering an iPhone 11, 11 Pro, or 11 Pro Max Before the Shipping Dates Get Pushed Back

Starting Sept. 13, you can preorder the iPhone 11, 11 Pro, or 11 Pro Max from Apple, wireless carriers, and various e-commerce websites. However, unlike with Android smartphones, there is only one set of iOS phones that come out each year, so they're pretty hot items. That means being the first to get your hands on one could be a challenge, but we're here to help you out.

Ingredients 101: The Essential Homemade Chicken Stock

The first written account of "stock" as a culinary staple goes back to 1653, when La Varenne's Cookery described boiling mushroom stems and table scraps with other ingredients (such as herbs and basic vegetables) in water to use for sauces. But really, the concept of stock has probably been around for as long as people have been using water to boil food.

How To: Protect Your Identity After the Equifax Cyberattack

Equifax reported on Sept. 7 that it discovered a breach on July 29 which affects roughly half of Americans, many of whom don't realize they have dealings with the company. Hackers got away with social security numbers, addresses, and driver's license numbers, foreshadowing a "nuclear explosion of identity theft." Let's explore what really happened and what you and those around you can do to protect yourselves.

How To: 24 Safari Privacy Settings You Need to Check on Your iPhone

Over the years, we've seen security breach after security breach, as well as high-profile data scandals where collected personal information was misused by companies. Apple makes customer privacy a priority, so there have been few issues to worry about when it comes to its services on your iPhone. However, there are still plenty of privacy settings to explore and change, especially within Safari.

News: The GOP Race

It seems the Republicans aren't happy about Obama. But then again, they never will be. As the time for re-election draws near, the Republican Party is scrambling to chose their candidate who will beat Obama. So far, Mitt Romney (we'll discuss the candidates soon) has somewhat dominated the scene, with spurts of awesomeness from Rick Santorum and Newt Gingrich. Ron Paul stays steady, currently holding the second most number of delegates (yes, we'll go over terms also).

Don't Get Doxed: 5 Steps to Protecting Your Private Information on the Web

If you follow the Anonymous, Occupy, and IT security scenes, you have no doubt heard about a dox release. What is it? How can it hurt you? And most importantly, how can you protect yourself from it? Some of these steps might seem common sense, while others will be an ah-ha! moment. Your private info is both your biggest weakness and your biggest weapon in your battle to remain anonymous. You must learn how to use it as both.

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