Hi guys. I dropped a class, so I'm only enrolled in 3 classes. Of course, my financial aid reward would go down because it is not considered full-time. I guess $700 sounds about right.
But under "Description", it says "Pre-Payment: Tuition and Registration Fees" and that I owe over $3,000. Do I have to pay the full amount or just the 700?
My wife and I just started using credit cards again now that we are more disciplined in our spending. I still donโt like using them, but the rewards make it an easy choice since we pay them off.
A friend told me itโs bad to make weekly payments, or payments as the transactions clear. Why is this the case?
I pay my credit card bills month to mjonth but I've missed payments a few times due to some reason. Giving a call to customer care has always helped me get rid of the late fee and doesn't increase your APR. Asking them doesn't hurt.
Variable rate APR that is currently at 10.3% interest. It is absolutely incredible that these loan companies are able to extort this kind of money from us. Sorry, just needed to vent after thinking to myself, "you know, I've been paying this fucking loan off FOREVER, and it never seems to budge..."
- " Jorge Ramยดฤฑrez, a landscape architect residing in Monterrey, Mexico, works for three months in Durham, NC, creating an indoor garden for a newly built museum and receives wages for $35,000." Is the correct way of going about this problem to say that the Capital account is $35,000 because a migrant worker has created the indoor garden? And that current account is -$35,000 because that's a garden that could have been created in Mexico, but was instead created in the USA?
- " Jinill Parkโs mother, a resident of South Korea, pays her sonโs tuition to Columbia University via a direct deposit." Would we say that the capital account is the tuition amount, because that's money coming from a foreigner? And that current account is -tuition payment, because that's money that could've been going to a South Korean university?
- " Floyd Townsend, of Tampa Florida, buys 5,000 dollars worth of British Airlines stock from Citibank New York, paying with U.S. dollars. " Would we say financial account is $5,000 because that's what it cost Floyd? And that current account is -$5,000 because that's an import rather than an export?
- " A group of American friends travels to Costa Rica and rents a vacation home for $2,500. They pay with a U.S. credit card." Would we say financial account is $2,500, because that's what the cost was? And current account is -$2500 because that's money that was spent on foreign land?
- " Suppose Columbia University, a U.S. resident, acquires $100,000 worth of shares of Deutsche Telekom from a German resident. How does this transaction affect the U.S. Balance of Payments Accounts and the U.S. Net International Investment Position in each of the following three scenarios. Be sure to list the entries in the U.S. current account and the U.S. financial account separately.: 1. Columbia pays for the shares with U.S. dollar bills" Do we say the current account goes up $100,000 in the US because this added money, and that the net international investment position goes up by $100,000 because that's new money added in?
I'm honestly so lost as to how and when we use current account vs capital account vs financial account. My professor isn't very clear. Is my reasoning sound, or am I way off base here? Thank you in advance.
Suppose I could call the customer service number, but apparently typing all of this out as a post seems like less work or less time-consuming. Does anyone here know? Would it avoid the interest or would the payment go first to the 0% balance amount?
To the Wf card Just to maintain consistent use and payments to this card? Do I need to use it every month? Is there a certain amount I should attempt to charge like for gas or a smaller bill that stays consistent each month? Or do I need to use the card every month anyway?
Trying to stay away from using it unless I have to as thatโs what got me into this mess in the first place and want to maintain good credit
May even use tax return next year to pay it off more quickly so want to gauge the best way to use my wf card to stay smart.
Iโve been paying my student loans on time (direct withdrawal) for about 6 years but I still owe the same amount as when I started. My I treat rate must be crazy... would being on PSLF program impact this as well? I owe like 120k sooo itโs going to be a while.
What a pleasant email I receive this morning (obviously in Chinese): http://imgur.com/TIeMuMP
>XXX ๅ ็/ๅฐๅงๆจๅฅฝ > >ๆ่ฌๆจ้ ่จใHTC Vive็ถฒ่ทฏๅๅบใๅๅ๏ผๆจ่จ่ณผ็HTC Viveๅทฒ็ถๆบๅ >ๅบ่ฒจไบใๅธๆๆจๅๅฟซๅฎๆไปๆฌพ๏ผๆๅๅฐ้ ่จๆผ2016ๅนด04ๆ้ๅง๏ผไปฅๅฐพๆฌพ >ๆฏไปๆ้ๅ ๅพ้ ๅบ้ธ็บๅฎๆ็ผ่ฒจไบๅฎใ > >ๆจ็ๅพ ็นณ็ธฝ้้ก็บ๏ผ$22,488๏ผ่ซ้ปๆญค้ฃ็ต้ฒ่ณผ็ฉ่ปๆฏไปใ
Translation
>Mr. XXXX / Miss Hello > >Thank you for booking online store] [HTC Vive merchandise you ordered HTC Vive is ready Shipped. I hope you complete the payment as soon as possible, we would be expected to begin in April 2016, with the balance due >Payment arrangements for delivery in chronological order in succession matters. > >total amount to be paid as follows: $ 22,488, please click here to link into the shopping cart payment.
So hype now !!
It would be nice if schools could teach us about useful stuff like credit cards, mortgages, and other things that will actually be useful in real life, and not just expect us to know how all that stuff works.
This card was actually the same card I've had linked with Paypal in the past, but I clicked a link from Bank of America to "activate" this new promo. I assumed nothing would change except I would gain the small discount that one time I did this, but something is messed up now. Also, I noticed it says that I've been a member since 2018 (when I did the promo), when in fact I've been with paypal since 2008.
Help! Im studying postgrad history, Specifically regarding rearmament of Britain in the 1930s. Amongst all the analysis im familiar with im running into a lot of good economic history of the period. Yet im definitely struggling to understand key concepts of how international trade and currency works/ed. For example the economic historian George Peden writes a lot in defence of the British Treasury and its role in controlling defence expenditure in preparation for a long war where British economic stability would be โ4th Arm of defenceโ. He covers a lot of stuff to do with borrowing and inflation that I basically get. He also explains how more borrowing and more armaments will mean less exports and problems with inflation, which I get.
Where I have problems is understanding how the mechanisms for international trade work/worked. When he starts to talk about Exchange controls and methods of balancing trade deficits I get confused. The way he discussed Balance of Payments deficits sound almost like a bill to be settled by the nation, rather than the end of result of millions of private transactions. This is especially true when he talks about British owned assets in the US being sold to balance payments.
Equally confusing are the arguments as to whether Britain should have adopted tight exchange controls like Germany. Also I get confused about how half of gold was โlostโ in 1938 propping up the devaluing pound.
But my question is how does this work? How is actual money transferred between countries? Is any money actually coming and going? Or is it all sitting in National currency reserves in central banks and moved via notes on paper? How are purchases made by private companies impacting on national accounts? If all the companies in Britain purchase more from the US than vis versa, than how is this a problem to be settled by that nation? If British assets are sold to cover this imbalance, then who has to sell? Private owners or Assets held by the central bank. How does exchange controls work? Does Company A say โI am going to buy ยฃ200k of steel from the US, is that ok?โ and the Bank of England say โno, sorryโ. How can they? Isnโt it Company Aโs money to dispose of how they wish?
Basically the more I read the less I realise I understand. Sorry this is all a bit rambling. I realise I know so little I cant even adequately describe my question
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I understand current account but I am confused about the financial account.
So I get that when a US tourist sells an ipod to someone in Japan it increases the Current Account which means that exports are increasing, thus increasing the trade balance but I have no idea whats going on in the financial account.
The way I always looked at it was because the Current Account is positive this means they have more money then they spend (exports>imports) which means the US can buy more foreign assets which means money leaving the US which means FA decreases but I dont understand it in the context of this question.
Is currency considered an asset? But because he sells the Ipod for Japenese Yen, wouldn't that mean his financial account increases because hes holding more Yen?? Im lost someone help me lol
It's been a rough 9 months. I got behind on some credit card payments (2 are about to be sold to collections but I can't afford to pay the $500 minimum balances on them) and I was constantly overdrafting my checking account just to keep food in my fridge. Now thanks to some really strict budgeting and a reality check of my credit score (hello 499 score) I was able to pay all my bills that are due the first half this month and still walk away with $100 in my checking account. After my next check on the 15th and paying my bills I will hopefully have $300 left by October 31st! Thank you povertyfinance for getting me through these 9 months.
I'm working on a report about the Balance of Payments between Mexico and the US from 2003 to 2018. I see the Errors and Omissions Account is massive, some years it's even larger than the Current Account balance.
For example: 2017 from Mexico's perspective (Millions of Dollars)
Current Account Balance: $84,086
Capital Account Balance: $0
Financial Account balance: $(25,771)
Statistical discrepancy: $109,857
Is this normal? What could be the explanation? How would illegal money flows factor into this, if at all?
Official data from: https://apps.bea.gov/iTable/iTable.cfm?ReqID=62&step=1# (was a bit tricky to get the excel, but it's in there if interested.
I'm an Indian, and I want to buy a Chinese laptop. The government imposes massive custom duties on it to discourage me from buying it, because apparently, it'll result in a balance of payments crisis. Please explain exactly why that's wrong for a country. Why will my country be in debt to China if I buy one of their laptops?
I have been aggressively rebuilding my credit and I currently have 4 cards with about $13,300 in credit. I am carrying a balance of $40 on one card which I'm paying later today. The reason I have so many cards and such a high limit is because I wanted more accounts on my report and a low credit utilization.
Personally I like using debt because they payment is done and I don't have to worry about it again. Most of my cards I don't use but I keep them open with a $0 balance. My question is that since I am not making a payment and I don't owe anything, are these still considered an on time payment or is it basically a wash?
Thank you.
