Online Mortgage Calculator

You may need to know how to calculate a dividend payment if you plan on making any kind of stock investments.  Dividends are payments that are made to those who hold stock in a company. Dividends are paid either by the board of directors choosing the rate to pay or the fixed rate that is guaranteed to investors, as in preferred stock.  An investor will calculate the ratio of payout, the yield and the income that the stock will generate when deciding whether or not to purchase the stock. Investors only want stock producing an income, but those who want growth in equity will place less interest in the dividend paid.

To determine what the company dividend is, you must find out how much money the dividend represents. Multiply the number of shares by dividend per share. When dividends are paid on the quarter, you will divide by four to determine what is paid per quarter, or every three months.  Here’s an example: 800 shares with an annual dividend of $2.00 per share is $800 x $2.00 = $1600.00/4 =  $400 per quarter.

Yield is $25.00 per share with a dividend of $2.00 per share. $25.00/$2.00 = 0.08 or 8%.

How to calculate a credit score is something you should know whether you are trying to repair bad credit or you are just interested in learning new information. All credit bureaus that collect data on individuals closely guard how they calculate your credit score. As a matter of fact, you are entitled to one free report each year from each of the three major bureaus, but the free report comes without the score. You will be able to calculate the general area your score falls into by following the instructions listed below.

Any potential problem listed on your report will impact up to 30% of your score. The more issues you have, the lower your overall score will be.  Now review how many accounts you have in good standing because these will help balance out the score and can even raise the score. Your payment history is important and you will find up to two years of past payments listed. This part of the report will be up to 35% of your score. Ten percent of your score will be credit report requests.  Calculate your score using all the factors and keep in mind that a perfect rating is 850.

If you want to determine if the car you want will fit your budget you will need to know how to calculate a car payment. There is a formula to use and you must have some basic information to plug into the equation. You will need to know the cost of the car and how long you want to pay on the note. You will have to know the rate of interest the bank will charge.

You will get the interest rate in percent form and you will have to divide it by 12 to find the monthly amount.  Here’s an example: 9.24% is written as 0.0924 / 12 = 0.0077 per month.  Add 1 to 0.0077 to equal 1.0077. Next, look at how many years you will pay on the car and multiply by 12 to determine how many months are in the loan repayment time.  A five year loan would be 60 months.  Use a calculator to find the Nth power. 1.0077 to the 60^th power is 0.631138228. Subtract 1 – 0.631138228 = 0.368861772. Divide monthly interest 0.0077 by 0.368861772 to equal 0.020875029. Multiply the amount of the car by this figure. $24,000 x 0.020875029 = $501.00 per month.

How to calculate a car loan is something you should learn if you are in the market for another car. You will be able to select the car you want and one that you can afford then you can begin the negotiations with the sales staff.  You will have to know the annual percentage rate (APR) of the loan before calculating the monthly and yearly interest rates. If you do not have a calculator you can go online and use one at edmunds.com, bankrate.com or capitalone.com. When you get to the site, click on calculator, loan calculator, or loan APR.

Type the data into the appropriate field. You will need the total loan amount, the amount of time you will pay on the note, and the interest rate being asked.  Click on ‘calculate’. One figure is the monthly loan payment and one the annual payment. Also shown will be the total amount that you will pay including the interest. The standard equation is i= 2 x n x I/ P(N + 1).  APR is I, n the 12 payments in one year, and I is total financing charges. P is the amount borrowed and N the number of payments scheduled.

How to calculate 30 percent off of any purchase you make is simple if you read the following instructions. When you are out shopping sometimes the posted sign says the discount will be taken at the register. You may want to figure to total cost of the item to determine if it fits into your budget. In order to make the calculation simple, you will need to convert the percentage into a decimal. Just write down 30 and move the decimal two places left. Thus, 30% can be written as 0.30.

Look at the asking price of the item. Multiply the total price by the decimal 0.3. Here’s an example: The item you want is marked at $20.00. The equation is: $20.00 x 0.3 = $6.00. You must subtract this answer from the original price. The equation would be: $20.00 – $6.00 = $14.00. You have figured the amount of savings and you can see that the item will cost you $14.00 plus any sales tax that may be charged. If you are trying to do the figures without a calculator, you can round a number like $19.75 up to $20.00 and get a good estimate of the final price.