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Questions tagged [calculation]

A generic tag to understand the calculations in a specific case. Please give out a sample illustration and ask a specific question. Ideally should also be accompanied by specific subject tags like "credit-cards", "savings-account", "index-funds" etc.

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7
votes
3answers
5k views

Is interest of credit cards caculated based on the amount unpaid within the grace period?

From Wikipedia if a user had a $1,000 transaction and repaid it in full within this grace period, there would be no interest charged. If, however, even $1.00 of the total amount remained unpaid,...
1
vote
2answers
1k views

Formula for recalculation of a bad loan, i.e. where payments were missed?

I need to know if exists any formula to calculate interest rate, principal interest, total amount to be paid, in the case of a bad loan. Ex: In a bank exists a 20 year home - loan. The client was ...
0
votes
1answer
295 views

What's the Effective Interest formula used by this loan calculator?

I used a loan calculator which gives an effective rate of 80.781 whereas wikipedia http://en.wikipedia.org/wiki/Annual_percentage_rate gives a rate of 49% for these parameters: borrowed: 100 fees: ...
0
votes
2answers
2k views

How much is my annuity worth? Calculating present (commuted) value of an annuity or pension?

I have a lifetime annuity which adjusts with cost of living increases in my state. Is it possible to compute the present value of this annuity? If so, how might I go about that? Perhaps I am ...
4
votes
1answer
88 views

Should you work out the yield on property or shares against the purchase price, or the current market price?

In What is a good rental yield?, there's some discussion about whether you should calculate yield by dividing the original purchase price, or the current market price. Which is the correct definition,...
11
votes
2answers
439 views

How do I account for newly added money when computing my rate of return?

I have a simple spreadsheet where I track the balance in my investment account. What should I do to handle new deposits in the account? For example: End of Day 1: balance = $100 End of Day 2: $...
0
votes
1answer
46 views

Understanding company pension plan monthly purchase of funds

A pension based on funds. What does it mean to add £500 a month to a pension based on funds? Does that mean, I will own an additional £500 worth of that fund each month based on how much of the fund ...
0
votes
2answers
278 views

How many stocks will I own in n years if I reinvest my dividends?

Let's say that I own 1000 shares of a stock at 20$. Every quarter, I get a dividend of 0.20$ which is reinvested (buy more of the same stock). Considering that the stock grows 5% annually, how many ...
7
votes
2answers
1k views

Calculating savings from mortgage interest deduction vs. standard deduction?

I've read just about anything I can find on comparing cash-flow between owning a house versus renting. One new thing popped into my head yesterday, and I can't shake the feeling that it's an obvious ...
3
votes
2answers
531 views

How is the 6th year on a 5/1 ARM calculated?

Given a 5/1 ARM for a $350,000 loan at a rate of 2.875%: After 5 years of paying at 2.875%, let's say the balance is $310,000. On the 6th year, the first adjustment kicks in an kicks the rate up 1% ...
2
votes
1answer
363 views

What does “average revenue growth” over multiple periods of time mean?

In particular, given 10 years of revenue data, what is "average revenue growth" understood to mean? The arithmetic average of the 9 yearly growth rates The geometric rate of return Something else No ...
3
votes
3answers
2k views

Does financing a portfolio on margin affect the variance of a portfolio?

For example, if the portfolio is financed with 50% margin, does it affect the portfolio variance?
11
votes
1answer
1k views

Calculate Income Tax amount of UK Salary

I've recently been trying to calculate different take home amounts from different salaries, and have ended up getting confused over how the different tax brackets work. If I try to calculate the ...
5
votes
2answers
630 views

How to calculate the market capitalization (fair market value) of the Metropolitan Transportation Authority of New York?

I'd like to calculate the fair market capitalization of the Metropolitan Transportation Authority of New York, or learn how to do so of any comparable public interest corporation (ie an entity without ...
8
votes
2answers
1k views

Credit card interest calculator with grace period & different interest rate calculation methods?

Is there an (ideally online) credit card interest calculator that includes grace periods and lets you choose the interest calculation method (eg, "adjusted balance", "average daily balance", "two-...
5
votes
3answers
11k views

How to calculate the rate of return on selling a stock?

How to calculate the rate of return on selling a stock?
14
votes
10answers
3k views

Should I pay off the credit cards now or do the monthly payments thing?

I have 3 credit cards with a total balance of about $36k. Two of the cards are at 2% and the last one is at 0%. With the current payment structure, I'll be debt free in 25 months. I recently came ...
2
votes
3answers
2k views

Discussing stock and stock index movement: clarifying percentage vs. points?

I'm trying to understand more about financial terminology used in news reports, but I'm having a hard time understanding what is meant when someone says the following: "NASDAQ was down X points today ...
2
votes
1answer
1k views

How is the adjusted family net income calculated for the Ontario Sales Tax Transition Benefit (OSTTB)? What is included in that adjustment?

How is the adjusted family net income calculated for the Ontario Sales Tax Transition Benefit (OSTTB)? What is included in that adjustment?
2
votes
4answers
8k views

How can I calculate how much tax I will pay

I'm a consultant thinking of taking a full time salary job. I live in WA state and have a family. How can I calculate how much tax (federal, social security, medicare) I will pay? I've used http://...
2
votes
1answer
249 views

How to arrive at the fee-adjusted APR (accounting for balance transfer fee, but not inflation)?

I'm trying to figure out the fee-adjusted interest rate paid when incurring a balance transfer fee on a loan, not accounting for inflation. If the APR is 4%, the loan 5000, the transfer 2% and you ...
5
votes
2answers
626 views

Calculating the most optimal way to pay off credit cards

I have 3 credit cards which I am slowly paying them off. Card# Balance Monthly Interest Months to pay of Minimum Payment at current rate Payment 1 $...
4
votes
2answers
4k views

How to calculate incremental interest rate for home refinancing?

Summary: When you refinance your house and borrow more money, how to calculate the incremental interest rate you pay? I currently owe $95K on my house, 4.75% interest rate, $510 monthly payment (...
4
votes
4answers
3k views

How to calculate credit card interest with respect to grace period transactions?

If my credit card currently has a $0 balance, and I make a transaction and pay it back within 25 days, I won't pay any interest, even if I had a balance and was paying interest previously. Is that ...
6
votes
1answer
308 views

If you owe tax, how does the IRS failure-to-file penalty work?

If you owe tax, how does the IRS failure-to-file penalty work?