Tell Siri what you'd like to do. Speak into your iPhone 4S with a command like, Remind me to buy milk, bread, and eggs today at 4 p.m. or you can say something like, Remember to thank John for the present.. Glance at your iPhone 4S screen to review your reminder. Or listen to Siri's confirmation.
Effective Interest Method. The effective interest method is a technique for calculating the actual interest rate in a period based on the amount of a financial instrument's book value at the beginning of the accounting period.
There are at least three ways of computing effective annual percentage rate: by compounding the interest rate for each year, without considering fees; origination fees are added to the balance due, and the total amount is treated as the basis for computing compound interest;