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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: Set up and take a portrait with a digital camera

Taking really professional-looking portrait is a tricky business, which is why so many people are so well-paid for doing so. If you want to create similar results without hiring the professional, this two-part video will give you some handy tips for how to do it. It includes how to frame the shot, some equipment and props that you will need, and other techniques. Never pay hundred of dollars for a professional Christmas card photo again!

How To: Create an amortization table 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 515th installment in their series of digital spreadsheet magic tricks, you'll learn how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See also how to make changes to a template, get into trouble, then trouble shoot your way out of it so that you can fix ...

How To: Effectively negotiate with your credit card company

In this video tutorial, viewers learn how to negotiate with a credit card company. There are 3 main items that users can negotiate. The first item is the date of payment. Users are able arrange a more convenient date for payment. The second item is the annual fee. Users are able to work out a way to not have to pay an annual fee for using a credit card, which will help save money. The third item is the interest rate. Users can negotiate and try to lower the interest rate that they must pay. T...

How To: Use the reverse auction site Dubli

This will illustrate us how to use the reverse auction site Dubli. Here are the following steps.Step 1: First of all enter the link and log onto the official website of DubliStep 2: Now you will find various options on the homepage of Dubli.Step 3: go and click the option of auction option.Step 4: The various product that are for auction will be displayed.Step 5: Search for the product that you want to auction for and enter the amount that you pay for the product and press the go button.Step ...

How To: Not pay for texting on the iPhone or iPod Touch

This video shows you how to bypass expensive texting charges and use this free and easy way to text people without the need to download apps, go to websites, or jailbreak your device. Works on basically any cell phone. No need to ever pay $20.00 for unlimited texting with AT&T, watching this you'll be able to text for free whenever, and whoever.

How To: Meet girls with the right opening line

David Wygant discusses how to meet girls with the right opening line. First, don't initially get hung up on one girl. You can become selective once you successfully utilize techniques to be open to everyone and gain their interest. First, observe a woman and get inside her head. Women and men think in very similar ways. Everyone's favorite conversation is about themselves. Keep her lips moving and talking about herself by observing and paying attention to every little detail. Train your mind ...

How To: Hack a Vending Machine in 3 Easy Steps

How to get a vending machine to pay you for its goodies, instead of you paying for them. First off, find a older vending machine, and insert your dollar bill as you normally would. Once you have entered it, you can select which ever item you want. Then quickly, before the item dispenses, hold up on the gate to prevent the item from falling. When it falls, it should rest on the back of the gate you're holding up—don't let go yet. After a long wait, the vending machine will think nothing dispen...

How To: Back Up Your Gmail Account (5 Ways of Archiving Gmail Data)

Last weekend, some unlucky Gmail users inadvertently had their email accounts wiped out. Actually, it was 0.02 percent of all Gmail users—or roughly 40,000 of the 200 million who use the email service, due to an "unexpected bug" which affected copies of the data. Gmail does make backup files of everything, so eventually everyone will reclaim their email history. In fact, as of yesterday, Google has successfully restored all information from their backup tapes and has started returning everyon...

How To: Negotiate maternity leave

If you work for a company you are probably entitled to maternity leave. Gather as much info as possible and then have an honest conversation with your employers. With tact and civility should be able to have time to recover with your baby and keep your job too.

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: Copyright a book

You've written the great American novel, and you want to make sure that your story stays yours. Register your copyright and preserve your intellectual rights. In this video, learn how to copyright produced material.

How To: Disable Apple Pay After Your iPhone Is Stolen

When your iPhone goes missing, it's serious business. Depending on your usage, your whole life might be connected to your iPhone, not the least of which includes debit cards, credit cards, and Apple Pay Cash stored in Apple Pay. While it's nearly impossible for someone to use your money with Apple Pay, it's still a good idea to disable it until you find your iPhone, just in case.

How To: Are You Eligible to Upgrade to the Latest iPhone? Here's How to Check

With new iPhone models out, you'll have updated cameras to try out, a faster processor, and new colors to choose from. The only thing that could stop you from picking one up yourself is, well, your current iPhone. Here's how to check if you're eligible to upgrade to iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, or any other iPhone still being sold.

Venmo 101: How to Send Money to Friends & Family

In the not so distant past, you had to actually go meet someone in person to repay money you owed them. Say they covered your half of dinner or picked up movie tickets — they wouldn't get their money back at least until the next time you saw them. Thankfully, Venmo has effectively eliminated this inconvenience.

How To: Can't Double Click to Install? Here's How to Download Apps & Use Apple Pay on the iPhone X

If you used Touch ID on an iPhone before, all you had to do to install apps and games from the App Store was rest your fingertip on the Home button. On the iPhone X, there's Face ID instead, and Apple has included on-screen instructions to help everyone adjust to the lack of Home button. Still, those instructions may not be working for you, but the solution is as simple as a misinterpretation.

News: iOS 11.2 Released to the Masses with Bug Fixes, Apple Pay Cash & More New Features

It's been a busy week for Apple. After two beta updates in one week, iOS 11.2 was released to the public around 1:30 a.m. PT on Saturday, Dec. 2. Usually, Apple releases updates around 10 a.m. PT, but this one was rushed in the wake of a huge time/date bug that was causing some iPhones to crash on Dec. 2 once 12:15 a.m. local time hit. But bug fixes aren't the only thing in this new iOS version.

News: As FTC Cracks Down, Instagram Will Start Letting You Know Who's Getting Paid to Post

Get ready IG influencers, the Instagram promotional world as you know it is about to change. Instagram is one of the top places for influencers to make money with product promotion. So, of course, it is to be expected that these IG dominators would run into their fair share of disasters. Especially since over 90% of celebrities and influencers on Instagram don't follow FTC guidelines.

Deal Alert: Use Android Pay to Get a Free Chromecast & Music

Google announced today that it's offering rewards to Android Pay users, and taking advantage of these deals could land you a free 2nd Generation Chromecast, among other prizes. The Tap 10 promotion is pretty self-explanatory: Tap to use Android Pay 10 times before February 29, 2016, and Google will give you a code to redeem a free Chromecast, free music, or both. You'll also be rewarded for Taps 1 through 9 as well. You'll receive a code for one music track from the Google Play Store for ever...

How To: Fly stand-by

Need to leave town earlier or later than planned? Flying stand-by is not as simple as it used to be. Learn how to fly stand by - you never know when it may be necessary.