How to Convert APY to APR (5 Steps)

Add APY and 1 together. For example, if the APY is 5 percent, then 5 + 1= 6.
Divide 1 by the number of periods in a year. The number of periods in a year is usually 12, since most banks compound monthly. Ex: 1/12 = .83
Raise the number obtained in Step 1 exponentially by the number obtained in Step 2. Example: 6 ^.83= 1.16
Subtract 1 from the number obtained in Step 3. This will give you the periodic rate. Example: 1.16 - 1= .16
Multiply the periodic rate by the number of periods, since the formula for APR is the periodic rate multipled by the number of periods. The resulting number will be the APR. Example: 12 x .16= 1.92. (1.92 would be the APR)
VPS Hosting

How to Make Money Daily From Home

Assess your hobbies and strengths to determine what type of freelance work you should do. Though you work for clients, as a freelancer you must motivate yourself to work so it's important that you both enjoy what you do and are good at it. Writing, editing and Web development are just three types of freelance work that you can do from home.
Gather a portfolio of your best work or make one if you don't already have one. Potential clients want to see proof that you can complete the work that they contract you to do.
Divide the amount of money that you need to cover your monthly expenses by 20 or 30 to determine the minimum amount of money that you must make each day. Divide by 20 if you plan to work Monday through Friday and by 30 if you plan to work every day of the month. Divide the result by the maximum number of projects you can complete each day (for example, editing 4 articles or designing 1 website). This the minimum you can afford to charge each client.
Open a PayPal account. Clients commonly pay this way for work-at-home jobs since it allows for fast, secure money transfers without disclosing your location.
Search your local newspaper and websites such as vWorker, Elance, oDesk and Craigslist for freelance job listings in your area of expertise. Apply to every job for which you are qualified, quoting a fee equal to or higher than your minimum depending on the complexity of the project.
Accept as many projects as you can fit into your schedule. Request at least part of your fee upfront to protect yourself against clients who won't pay after you deliver the work.
Work in a quiet space in your home to help yourself focus since your productivity determines your income. Fulfill the client's requests entirely and check in often to make sure that you aren't wasting time doing work that the client won't accept. Deliver the project promptly to encourage the client to refer you to others, as well as to keep your schedule clear for more projects. Save a copy of your work to include in your portfolio.
Repeat Step 5 daily to keep a flow of clients. Though a client may enjoy working with you, since you're a freelancer it's unwise to consider him a reliable source of income.
VPS Hosting

How to Earn Back Good Credit

Pay off any debts you have now. Call up each one you have a debt with, whether they are collection agencies or the business you owe the money to. Get all of your bills together and figure out how much you can pay each one per month. Call each one and tell them how much you can pay each month. They will set you up with a payment plan and send you a bill each month for your new monthly payment. Pay the bills as soon as they come in every month.
Obtain a credit card for people with bad credit (see Resources below). You will have to pay an annual fee and a fee to get the credit card started. This may seem frivolous at first, but this may be the only way you can get a credit card. Once you have paid the annual fee and any other fees associated with this new credit card, you can start charging, but do so carefully--charge a small amount (an amount you know you can pay off each month). When the bill comes in, pay your entire balance off, not just the minimum payments.
Pay more money on your debts when you can. The only way to keep the bills out of collections is to call the billing department and set up a payment plan, and follow through by paying the agreed-upon payment every month when the bill comes in. If, for any reason, you are not able to make the payment, call as soon as possible to sort something out.
Sign up with an agency that will track your credit for you. Privacy Matters can track your credit report for you for a low monthly fee. It will alert you every time something changes with your credit report. This will ensure that you are aware of everything going on with your credit (see Resources below)
Limit how much you allow people to access your credit report. Anytime you apply for any type of credit (loans, credit cards, gas cards, department store cards) you are allowing them to access your credit report. This will show up on your credit report, and the more people you have accessing your credit report, the worse it looks.
VPS Hosting