Factoring Calculator #factor #calculator, #find #factors #of #a #number, #factorization


Factoring Calculator

1, 2, 3, 4, 6, 8, 12, 16, 24, 48

How to Factor Numbers: Factorization

This factors calculator factors numbers by trial division. Follow these steps to use trial division to find the factors of a number.

  1. Find the square root of the integer number n and round up to the next whole number. Let’s call this number s .
  2. Start with the number 1 and find the corresponding factor pair: n 1 = n. So 1 and n are a factor pair because division results in a whole number with zero remainder.
  3. Do the same with the number 2 and proceed testing all integers (n 2, n 3, n 4. n s ) up through the square root rounded to s. Record the factor pairs where division results in whole integer numbers with zero remainders.
  4. When you reach n s and you have recorded all factor pairs you have successfully factored the number n .

Example Factorization Using Trial Division

  • The square root of 18 is 4.2426, rounded up to the next whole number is 5
  • Testing the integer values 1 through 5 for division into 18 we get these factor pairs: (1 and 18), (2 and 9), (3 and 6). The factors of 18 are 1, 2, 3, 6, 9, 18.

Factors of Negative Numbers

All of the above information and methods apply to factoring negative numbers. Just be sure to follow the rules of multiplying and dividing negative numbers to find all factors of negative numbers. For example, the factors of -6 are (1, -6), (-1, 6), (2, -3), (-2, 3). See the Math Equation Solver Calculator and the section on Rules for Multiplication Operations .

Related Factoring Calculators

See our Common Factors Calculator to find all factors of a set of numbers and learn which are the common factors.

The Greatest Common Factor Calculator finds the greatest common factor (GCF) or greatest common divisor (GCD) of a set of numbers.

See the Least Common Denominator Calculator to find the lowest common denominator for fractions, integers and mixed numbers.

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Greatest Common Factor Calculator

In mathematics, the greatest common factor (GCF), also known as the greatest common divisor, of two (or more) non-zero integers a and b. is the largest positive integer by which both integers can be divided. It is commonly denoted as GCF(a, b). For example, GCF(32, 256) = 32.

There are multiple ways to find the greatest common factor of given integers. One of these involves computing the prime factorizations of each integer, determining which factors they have in common, and multiplying these factors to find the GCD. Refer to the example below.

GCF(16, 88, 104)
16 = 2 2 2 2 = 24
88 = 2 2 2 11 = 23 11
104 = 2 2 2 13
GCF(16, 88, 104) = 23 = 8

Prime factorization is only efficient for smaller integer values. Larger values would make the prime factorization of each and the determination of the common factors, far more tedious.

Another method used to determine the GCF involves using the Euclidean algorithm. This method is a far more efficient method than the use of prime factorization. The Euclidean algorithm uses a division algorithm combined with the observation that the GCD of two integers can also divide their difference. The algorithm is as follows:

GCF(a, a) = a
GCF(a, b) = GCF(a-b, b), when a > b
GCF(a, b) = GCF(a, b-a), when b > a

  1. Given two positive integers, a and b, where a is larger than b. subtract the smaller number b from the larger number a. to arrive at the result c .
  2. Continue subtracting b from a until the result c is smaller than b .
  3. Use b as the new large number, and subtract the final result c. repeating the same process as in Step 2 until the remainder is 0.
  4. Once the remainder is 0, the GCF is the remainder from the step preceding the zero result.

GCF(268442, 178296)
268442 – 178296 = 90146
178296 – 90146 = 88150
90146 – 88150 = 1996
88150 – 1996 44 = 326
1996 – 326 6 = 40
326 – 40 8 = 6
6 – 4 = 2
4 – 2 2 = 0

From the example above, it can be seen that GCF(268442, 178296) = 2. If more integers were present, the same process would be performed to find the GCF of the subsequent integer and the GCF of the previous two integers. Referring to the previous example, if instead the desired value were GCF(268442, 178296, 66888), after having found that GCF(268442, 178296) is 2, the next step would be to calculate GCF(66888, 2). In this particular case, it is clear that the GCF would also be 2, yielding the result of GCF(268442, 178296, 66888) = 2.

Quarterly compound interest calculator, quarterly compound interest calculator.#Quarterly #compound #interest #calculator



Quarterly compound interest calculator

Quarterly compound interest calculator

What is ‘Compounding’

Compounding is the process where the value of an investment increases because the earnings on an investment, both capital gains and interest, earn interest as time passes. This exponential growth occurs because the total growth of an investment along with its principal earn money in the next period. This differs from linear growth, where only the principal earns interest each period.


BREAKING DOWN ‘Compounding’

This phenomenon, which is a direct realization of the time value of money, is also known as compound interest. For example, suppose a $10,000 investment in Company X earns 20% the first year. The total investment is then worth $12,000. Next, assume that in the second year, the investment earns another 20%. In year two, the total balance of $12,000 would earn 20%, ending with a value of $14,400 instead of $14,000. The extra $400 of growth is due to the $2,000 earning of year one also growing at 20% in year two, along with the principal.

The Effect of Compounding Periods On Future Value

When compound on an investment (or liability) occurs, the interest rate matters in determining the future value as well as the number of times that the compounding occurs per period. Assume a one-year time period. More compounding periods result in a higher ending future value of the investment. Two compounding periods per year are better than one. Four compounding periods per year are better than two. The generalized formula for compound interest is:

FV = PV x (1 + ( i / n)) ^ (n x t)

FV = future value

PV = present value

i = the annual interest rate

n = the number of compounding periods per year

t = the number of years

Given this formula, assume that an investment of $1 million earns 20% per year. The resulting future value, based on varying number of compounding periods is:

Annual compounding (n = 1): FV = $1,000,000 x (1 + (20%/1)) ^ (1 x 1) = $1,200,000

Semi-annual compounding (n = 2): FV = $1,000,000 x (1 + (20%/2)) ^ (2 x 1) = $1,210,000

Quarterly compounding (n = 4): FV = $1,000,000 x (1 + (20%/4)) ^ (4 x 1) = $1,215,506

Monthly compounding (n = 12): FV = $1,000,000 x (1 + (20%/12)) ^ (12 x 1) = $1,219,391

Weekly compounding (n = 52): FV = $1,000,000 x (1 + (20%/52)) ^ (52 x 1) = $1,220,934

Daily compounding (n = 365): FV = $1,000,000 x (1 + (20%/365)) ^ (365 x 1) = $1,221,336

The limit of this compounding process, based on calculus, is known as continuous compounding and is calculated using the formula:

FV = PV x e ^ (i x t), where e = the irrational number 2.7183. In the above example, the future value with continuous compounding equals:

FV = $1,000,000 x 2.7183 ^ (0.2 x 1) = $1,221,403

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Home Equity to Consolidate Debts – Refinance Your Home or Get a Second Mortgage

What does using home equity to consolidate your debts mean? Essentially it is using the equity in your home / refinancing your home to consolidate your debts into one payment in order to pay off your debts.

A “Home Equity Loan”, “Home Equity Line”,”refinancing your mortgage / re-mortgage” and getting a “second mortgage” are all different names for the same thing and are sometimes used as a debt consolidation option. These terms refer to the bank lending you money against the portion of your home that you own. So if the bank thinks that your home is worth $300,000 and your mortgage is for $250,000, then you own $50,000 of your house. This is called your “equity”.

Increasing your mortgage is something that the bank may let you do, by taking out a second mortgage to use up some of this equity to pay off your debts. (Check out our handy mortgage and debt consolidation calculator ). You would then have two mortgages: your first mortgage and a second mortgage which could be the debt consolidation home loan . If this is something you’re interested in doing, speak with your bank or credit union to find out how it works, to get information about the mortgage rules in Canada and if this option could work for you. Sometimes if you have bad credit. it might be difficult to get a debt consolidation loan. so using home equity could be another possibility. Check with a Credit Counsellor to make sure that you choose the right option.

Selling Your House to Pay Off Debt – Talk to a Credit Counsellor About Consolidating Debts

You could also sell your house to pay off debts. though this should be a last resort and pertain to your situation, e.g. down-sizing in retirement. There are things to know before using your home equity line. so to choose the best way / option that fits your situation, especially if you’re retired and your income has changed, talk to a trusted, accredited non-profit Credit Counsellor.

Interest Rates for Second Mortgages – Can Be Higher Than First, Talk to Your Bank About Using Your Home Equity

Sometimes you can get the same interest rate on your second mortgage as you got on your first mortgage, but this isn’t always possible (talk to your lender to find out more). If you do have to pay a higher interest rate on your second mortgage, you can set up the due date / term to correspond with the due date / term for your first mortgage. This will allow you to combine them at the bank’s best interest rate when they need to be renewed.

Re-mortgaging may also be an option that your lender can explain to you. It may allow you to keep a low interest rate, only have one mortgage payment and still give you funds to pay off other debts.

History of Mortgage Rates in Canada – Declining Since 1980’s

Ever since the early 1980’s mortgage rates have been declining in Canada. They peaked at over 20% at that time but are now typically offered in the 3% – 6% range. It is wise to remain mindful of the fact that we are currently living with historically low interest rates. This means that we cannot count on them to stay this low forever. The average five year mortgage rate over the past 60 years has been 8.95%. So if you are considering refinancing your home, make sure you can afford an “average” interest rate of 9% in the long term.

Finance Companies and Sub Prime Lenders or Loan Companies Offering Mortgages – Higher Interest Rates than Banks

Finance companies and sub-prime lenders also offer mortgages. Their interest rates will almost always be higher than the bank’s and can often range between 14% – 30%. These rates are a lot higher because these companies tend to lend money / cash to people in financial situations that involve more risk than banks usually want to take on.

High interest loans like these can be used as a tool to get you from point A to point B, but you should do your best to find a better arrangement as fast as possible. It is very hard to get ahead paying really high interest rates.

Advantages of Using a Second Mortgage to Consolidate Debt

  1. The interest rates are typically low
  2. Flexible payment arrangements. You can usually extend your amortization (the length of time required to pay back the loan) to create an ideal monthly payment

Disadvantages of a Second Mortgage

  1. You must have enough equity in your home as well as income to make both mortgage payments
  2. You may be charged a number of fees for the costs involved in setting up a second mortgage
  3. Banks often don’t like to do small second mortgages. $10,000 may be the minimum that they will consider

Contact Us for More Information About How to a Use Home Equity Line to Consolidate Debts

We can give you information on how to use home equity to consolidate debts / pay off debts. Contact us by phone at 1-888-527-8999, send us an email or chat with us online right now. One of our Credit Counsellors will be happy to offer you debt consolidation advice . Our appointments are free, confidential and informative. You may have other options that are better for your situation, so before you increase your mortgage, take out a second one (at a higher interest rate) or apply for a home equity loan. give us a call.

FAQ – Tax Free Savings Accounts (TFSA) #savings #withdrawl #calculator


Tax Free Savings Account (TFSA) FAQ

In the 2008 budget, the government of Canada introduced a brand new personal savings vehicle: the Tax-Free Savings Account (TFSA), to help you save for different purposes throughout your lifetime. This new account is the most important personal savings vehicle for Canadians since the introduction of the RRSP in 1957.

As of January 2, 2009, you are able to start contributing to a TFSA, which can hold any combination of eligible investment vehicles, such as cash, stocks, bonds, GICs and mutual funds, the growth of which will be tax-sheltered.

Your Scotiabank advisor can help you plan how the TFSA can help you meet your savings and investment goals.

A TFSA allows you to set money aside in eligible investments and watch those savings grow tax-free throughout your lifetime. Interest, dividends, and capital gains earned in a TFSA are tax-free for life. Your TFSA savings can be withdrawn from your account at any time, for any reason 1. and all withdrawals are tax-free. And if you want, you can put back the amount you withdraw into your TFSA. However, you have to do it the following year so it will not impact your contribution room.

The annual TFSA contribution limit for each individual (18 years of age and older) is set at $5,500 for 2017. From 2009 to 2012, the annual maximum contribution limit was $5,000, $5,500 from 2013 to 2014, $10,000 for 2015, and $5,500 for 2016. Unused contribution room from one year is carried forward and added to the TFSA contribution limit the following year. Any withdrawals made in a calendar year will create additional contribution room the following year.

You cannot open a TFSA or contribute to one until you turn 18. In certain provinces and territories, the legal age at which an individual can enter into a contract (which would include opening a TFSA) is 19. In such jurisdictions, an 18-year-old who would be otherwise eligible, would accumulate the annual contribution amount for that year and carry it over to the following year.

The TFSA contribution limit is not prorated in the year an individual:

  • turns 18 years old;
  • dies; or
  • becomes a resident or a non-resident of Canada.

The Canada Revenue Agency (CRA) imposes a tax of 1% per month, for each month or partial month that the excess contribution remains in the account.

The 1% tax will continue to apply until one of the following:

  • The entire excess amount is withdrawn; or
  • For eligible individuals, the entire excess amount is absorbed by additions to their unused TFSA contribution room in the following years.

For more information, please check the CRA website .

There’s something for everyone with a TFSA and your Scotia advisor can help you decide how the TFSA can help you meet your goals. Here are some ways that you can take advantage of this new savings vehicle:

Are you looking to save for a “rainy day”?
A TFSA is an ideal all-purpose savings account that offers complete flexibility to save for a multitude of uses in one account. Your savings build up over time – tax-free – helping you reach your goals sooner, and you can withdraw your money when you need it.

Do you have non-registered investments? Have you maximized your RRSP?
A TFSA is an excellent choice if you have non-registered investments. The TFSA allows you to turn taxable income into tax-free income for life, by creating a more tax-efficient investment portfolio and enabling you to maximize your investment growth. You can contribute to a TFSA for a spouse or other family member. Spousal attribution rules don’t apply as they would with an RRSP.

Are you retired or earning a pension income??
A TFSA is also an ideal investment vehicle for depositing surplus RIF or pension income. It provides the ability to permanently tax-shelter non-registered GIC interest income. Deposits to a TFSA will not result in a claw back of government benefits like Old Age Security or the Guaranteed Income Supplement and there is no age threshold at which a TFSA must convert into a taxable account.

Scotiabank TFSA-eligible investments include mutual funds, Guaranteed Investment Certificates (GICs) and cash, all in one account. Investment options with ScotiaMcLeod or Scotia iTRADE may differ. Please consult your financial advisor for specific details on investment availability.

Maximum 2017 annual contribution limit is $5,500 regardless of an individual’s earned income.

Contribution limit is based on an individual’s earned income from the previous year, up to a maximum amount (e.g. in 2017, the limit is $26,010 less your pension adjustment or the amount indicated on your 2016 Notice of Assessment).

Contributions are not tax-deductible and therefore do not reduce taxable income. Income/returns earned on investments are tax-free .

Contributions are tax-deductible and therefore reduce taxable income. Income/returns earned on investments are tax-sheltered until withdrawn.

Withdrawals are not added to taxable income – they are tax-free. Plus, withdrawals can be “re-contributed” in subsequent years.

Withdrawals are added to taxable income and taxed at the applicable marginal tax rate. Withdrawals cannot be “re-contributed” in subsequent years.

You can withdraw money from your TFSA at any time; however, specific product restrictions may apply (e.g. GIC maturity dates). The amount you withdraw can be put back in your TFSA starting the following year without impacting your contribution room.

Would contributions and withdrawals have any impact on my eligibility
for federal income-tested benefits, such as the Canada Child Tax Benefit
and the Guaranteed Income Supplement? – expand for more details

Neither income earned in your TFSA, nor withdrawals, will affect your eligibility these types of benefits.

If you designate your spouse or common-law partner as a “successor holder,” you may allow them to assume your plan on your death without affecting their own TFSA. Alternatively, you may designate a beneficiary(ies) to receive the funds in your plan upon your death. The beneficiary/successor holder option is available in all provinces and territories, except for Quebec. Note: Residents of Quebec may make designations through a will. Always check with your legal advisor before making tax and estate decisions

Your TFSA contribution room information can be found by going to one of the following Canada Revenue Agency (CRA) services:

  • My Account;
  • Quick Access; or
  • CRA Tax Information Phone Service (TIPS): 1 800 267 6999
  • CRA Individual inquiries: 1 800 959 8281

Yes. You will be able to contribute to a spouse’s TFSA without affecting your own contribution room. Income attribution rules, which currently govern RRSPs, do not apply.

No. Your spouse owns the TFSA and will earn any investment income and capital gains in the account.

If I become a non-resident while I have a TFSA can I still
make contributions? – expand for more details

If you become a non-resident, you are able to maintain your TFSA and will not be taxed on any earnings or withdrawals in the account. However, you will not be allowed to contribute additional funds and no contribution room will accrue for the years in which you are a non-resident.

For a TFSA with Scotia Investments

  • Sign into Scotia OnLine
  • Select the Investing tab
  • Then select the Scotia Investments tab
  • Select “Contribute to Existing Investment” from the left navigation.
  • Select your TFSA and choose the contribution type that you would like to make.

Only individual (Sole) accounts can be set up. Joint, non-personal and ‘In Trust For’ accounts are not available.

Borrowing to fund a TFSA is permitted; however, interest expenses related to such a loan are not tax-deductible.

A new form, ‘Transfer From a Tax-Free Savings Account (TFSA) to another TFSA on Breakdown of Marriage or Common-Law Partnership’, is required to be completed and submitted to the Financial Institution prior to the TFSA assets being transferred.

Do I have Canada Deposit Insurance Corporation (CDIC) insurance
on the investments held within the TFSA? – expand for more details

All eligible deposits (e.g. GICs, cash) held within a TFSA are insured by CDIC, and will be afforded coverage to a maximum of $100,000, separate from other deposits held by the same depositor at the same member institution.

If the Dealer of your Scotia TFSA is The Bank of Nova Scotia, Canadian currency funds in the cash section of your account are insured by the Canada Deposit Insurance Corporation.

If the Dealer of your Scotia TFSA is Scotia Securities Inc. Canadian currency funds in the cash section of your account are held in trust by Scotia Securities Inc. These funds are not eligible for deposit insurance offered through the Canada Deposit Insurance Corporation.

For more information, please contact the CDIC, or pick up a CDIC brochure at your nearest Scotiabank branch .

  • 1 Specific product restrictions may apply.

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    How Big a Mortgage Can I Afford?

    When you’re buying a home or refinancing a mortgage—as record number of us are doing these days—one of your most important considerations is what size mortgage you can realistically afford. To figure out that number, just follow the steps below.

    This formula does not account for the tax savings conferred by home ownership. You will want to figure that savings into your calculations before you shop for a home. A tax advisor can help.

  • FACTORING TRINOMIALS CALCULATOR #factoring #calculator #trinomials


  • An algebraic expression of three terms
  • (trinomial) An expression consisting of 3 terms; Consisting of 3 names or parts or terms
  • (Trinomial) a designation consisting of three parts. Archeologists use a trinomial to distinguish sites, such as 41BX831, the Richard Beene site.
  • (Trinomial) In elementary algebra, a trinomial is a polynomial consisting of three terms or monomials.
  • A trinomial taxonomic name
  • an expert at calculation (or at operating calculating machines)
  • Something used for making mathematical calculations, in particular a small electronic device with a keyboard and a visual display
  • A calculator is a small (often pocket-sized), usually inexpensive electronic device used to perform the basic operations of arithmetic. Modern calculators are more portable than most computers, though most PDAs are comparable in size to handheld calculators.
  • a small machine that is used for mathematical calculations
  • factorization: (mathematics) the resolution of an entity into factors such that when multiplied together they give the original entity
  • (factored) Multiplied by an agreed number to take account of extreme adverse conditions, errors, design deficiencies or other inaccuracies.
  • Sell (one’s receivable debts) to a factor
  • Factoring is a financial transaction whereby a business sells its accounts receivable (i.e. invoices) to a third party (called a factor) at a discount in exchange for immediate money with which to finance continued business. Factoring differs from a bank loan in three main ways.
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    How to Start a Factoring Company Plus Business Plan

    The How to Start a Factoring Company Guide will provide you with all of the necessary steps and information that you need in order to launch your business. You will learn how to how to raise capital, manage startup, how to establish a location, how to market your Factoring Company, and how to maintain your day to day operations. Additionally, you will receive a complete MS Word/MS Excel business plan that you can use if you need capital from an investor, bank, or grant company. The MS Word and MS Excel documents feature a completely automated table of contents, industry research, and specific marketing plans that are for a Factoring Company. You will also receive a customizable PowerPoint Presentation.

    The summation of three monomials is known as a trinomial. Here, tri means three. Trinomials contain three terms.For example, x + 7y + 6z is a trinomial with three terms x, 7y and 6z. x4y + 5z + 6 is a trinomial with three terms x4y, 5z and 6.

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    FREE Invoice Template

    Whether you are a multinational limited company or a single person sole trader it is important that you have a structured approach to your invoicing or you may lose track of what payments you are waiting for.

    Invoicing your clients is a fairly straightforward and simple process, provided you have a good invoice template to work from.

    You should keep a record of all the invoices you have sent out along with when you received payment in order to keep track of your finances.

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    SJD Accountancy

    SJD Accountancy are the UK’s largest specialist provider of fixed fee, Limited company accountancy services to contractors; we’ve been acting for contractors across the UK since 1992 and have more than 15,000 clients.

    We are the only national specialist firm of contractor accountants with offices nationwide. SJD Accountancy has more qualified staff than any other firm in our market with qualifications from the following major tax and accountancy bodies – ATT, AAT, CTA, ACCA, CA, ACA and FCCA.

    • Unlimited face to face meetings. This is a unique service only SJD Accountancy offers – unlimited face to face meetings across the UK – tax is complicated and sometimes only a meeting will do.
    • UK’s Largest contractor accountants with more qualified staff. No call centres, no outsourcing, no automated call handling. Simply telephone, email or meet your own dedicated accountant face to face.
    • Money back service guarantee . All your telephone calls and emails will be answered the same day or we will make a full refund of that months fee.
    • Outstanding reputation. We have won more awards for customer service and accountancy excellence than any other firm in our market, including: Best Acc ount ant for Contractors, Accountant of the Year and Best Professional Service Team to name just a few.
    • All inclusive low cost fixed fee accountancy package which includes completion of accounts*, payroll bureau, dividends and corporation tax computations, personal taxation, free bookkeeping software, your own dedicated accountant* and all company returns for a fixed fee starting from £120 plus VAT per month. Check our packages for more detail.

    Form your own Limited company with SJD – our same day online company formation service includes company bank account set up, VAT/PAYE registration and advice on optimum share structure.

    You may also find the following pages, guides and case studies useful:

    • Take home pay calculator – How much could you be taking home
    • Contractor FAQ – All your frequently asked questions and their answers
    • First time Contracting or Freelancing? – A summary of the alternatives along with pros and cons
    • Choosing a contractor accountant – The factors to consider when choosing an accountant
    • Step-by-step Guide to Contracting – Download a FREE copy of our guide
    • Limited or Umbrella? Can’t decide? – We help you decide which is best for you
    • Guide to Contracting – All the best guides to contracting in one place
    • Expenses Guide – Know exactly what you can claim
    • Umbrella company guide – Everything you ever wanted to know about umbrella company services
    • IR35 Guide – A great plain English guide to IR35

    *If you would like us to complete your company year end accounts we simply ask that you have been a client of SJD for one year or have made 12 monthly payments. All accountants are part or fully qualified.