Dividend rate and APY?
Question:
I need back before I enlarge a CD up the Dividend Rate is 4.43% and the APY is 4.50% next to a minimum deposit of $500 for 6 monhts how do I add these number together so I can determind what I might go and get in return at the ending of the 6 months.
Answer:
The formula is the following:
A=P(1 + i)^n
A= future parenthood value
P= Principal or present plus
i= interst rate per period i=r/m
r= annual interest rate
m= number of compounding period
n= total number of compounding periods
.045/2 times the amount deposited. This may be slightly different if the institution pays on a day by day basis a bit than monthly, likely.
If the dividend rate is 4.43%, that way you are getting 0.359% interest per month (i.e. 4.43% / 12).
So, your total return would be:
$500 * ( ( 1 + 0.0443 / 12 ) ^ 6 ) = $511.1777
In other words, you would earn $11.18 on your $500.
The reason they stated 4.5% APY is that it is your Annual Percentage Yield when you compound the 0.359% per month. That is:
( ( 1 + 0.0443 / 12 ) ^ 12 ) = 1.0452 or 4.5%
How to profit from the video activity industry?
Question:
Is there an trouble-free, low-cost, tax-efficient way to invest surrounded by the entire video game industry (both US and Japan)? Are in attendance exchange traded funds (ETF) that track only video hobby stocks? Index funds?
Answer:
If I were you I'd invest contained by the retailers that sell the games, specially companies like Best Buy. With a company similar to Best Buy you gain significant exposure to the booming HDTV market, digital-home technology as well as a trunk services operations. Not to mention a foremost American retail with principal growth plans in China. Moreover Best Buy have favorable valuation relative to its major competitor Circuit City. That one said you ought to evaluate the suitability of this idea for your personal situation, acknowledge that risk is involved. Moreover there is no demonstrability that any business strategy is a guaranteed success. Consulting a personal financial advisor is other a good belief.
you can invest in hobby developers stocks, such as EA, midway, THQ, but theirs no way contained by investin in stocks of a short time ago the playstation or xbox, as youd have to in actual fact invest in microsoft or sony instead, but contained by nintendo you could as they only do systems and games
You can invest contained by Electronic Arts (ERTS), EA is pretty big, it can almost act as an ETF for the video spectator sport industry.
Can cashless exercisable warrant generate extra shares if the flea market price is below exercise price?
Question:
Answer:
It depends on the conversion ratio like convertibles. It is fixed by the company and you hold no choice about it.
i want to know nearly on row share bazaar and growth hormone?
Question:
i am interest on share market so, i want to know in the region of deatils about on column share market and i want to know in the region of growth hormone.
Answer:
go to sites approaching icicidirect.com & moneycontrol.com
I really have no clue roughly speaking the share market. xD and what do you be set to by growth hormone? More details please!
House Flipping versus Renting an Apartment/House: Which do you give attention to is better?
Question:
I know that interest rates are around 5%, which is fairly big and not good for family like me who want to borrow money. I also know that within are pros and cons between house flipping and simply renting a house. I currently am a college student living in an apartment, and I pay envelope $365 every month to my landlord- I realize that owning an apartment/house and then renting it out involves profusely of continued upkeep, but how do you think it compares to house flipping? Is it considered safer? If its safer, does that indicate the monetary gains/losses aren't as high or low? Which would you choose and why? (I'm simply trying to get out of college debt : / )
Answer:
I would regard as that owning multiple homes and renting them out to nice, well-screened, tenants would be the best instrument to go! That channel you'd have multiple streams of income rolling surrounded by. and you'll have residual income until one of the tenant move out in which grip, you look for another one. or if you want to expand,... you could flip one of the homes, and use in income from selling the flipped house. and buy two more bottom stripe,flipping, and renting, are both tricky with no guarantees that you'll find someone to rent too, or flip the house and fix it up adequate to be appealing to a buyer. But I'd have to right to be heard flipping may be the most expensive way to run. Try buying a house, fix it up enough to not be a slum, and rent it out. and see how it works for you.
Considering you are contained by college, i would stay with the APT. The drive for this is; You dont want to go spending around 50,000 flipping a house while you are contained by college, use that money to pay for your training, after graduation, you will have a point which will enable you to bring a good opportunity, that pays well, once you attain the money, then you can move about flipping houses or buy a completely new house, within good shape
Index funds vs. ETF?
Question:
Hi. I am drawn to the idea of dollar cost averaging and very soon contemplating of invest regularly into one of these financial instruments.
What principles can I follow to pick a good deal?
Thanks!
Answer:
Okay, try this...since a fund is too restrictive (too much min buy in- not diversified enough)...step with the ETF's ( diverse, perchance a US index, maybe a Latin Amer, possibly some Healthcare, etc) ...if you continue to deposit, money will stay surrounded by your " core account" until YOU specify another investment for it ...or add to doesn`t matter what is working best for you...you can check in once a month..or every three..or six, something similar to that.
In most ( but not all) core or reserve accounts you still draw some little interest ... should work out if you want to be sort of active.
And WHY NOT...it's your money your checking on??
Mutual funds easier to do dollar cost averaging as etfs must be bought approaching stocks. The idea that you are solely going to invest in 1 instrument is the problem & must be jettison. Even picking a S&P 500 index fund does not diversify you enough. No 1 instrument does. ADX & PEO 2 fine closed stop funds that sell at a discount. IAU covers gold ingots which has room to move. PGJ covers China. EWA Australia. dollar cost averaging not a panacea. If you own the $$ available get it contained by the market. Somethings walk up while others go down IE Airlines vs Oil stocks. That's why diversification much more crucial than DCA.
Tata Corus Deal?
Question:
Was Tata Corus deal overvalued?? Please Support ur answers near reasons
Answer:
in that r both views
4 me as a indian it is costly next to same money more helpful inwardly India
Anybody can find me investors interested within treasure hunting project contained by Riau waters, Indonesia?
Question:
Please i need your give a hand cos i found some shipwrecks sites contains the celadon ceramics from ancient chinese dynasty such as Tang and Ming. Thanks
Answer:
I'll get surrounded by touch by email soon.
:> peace
.
Which Gold investment do you prefer? And why?
Question:
Newmont Gold Mining
Tocqueville Gold Fund
Street tracks Gold Trust
Answer:
The first one is a stock, the second one a fund, the third one an ETF.
If you want to invest in gold ingots, then gold ingots mine stocks are best. Especially the mines that have a glorious production costs will give a better leverage when the gold ingots price rises.
The State Street Gold tracker follows the price of gold minus fees. There is no leverage.
So if you want a bigger roar for your buck, the tracker is eliminated. But, if you with the sole purpose want to invest in one item, the gold ingots mine stock is out as well, as I presume one should diversify. The Gold Funds holdings are gold mines, its 1 year recital in 53% and its fees are sensible (2% entry fee, 1.6% admin fees).
So that's the one I would pick, if I have to choose one.
I own the silver ETF. If you look at the historic ratio of silver to gold ingots, silver is undervalued - as is pure gas when compared to oil. I see more industrial uses for silver, and smaller number supply from future mines.
You can see my top10traders portfolio here:
http://www.top10traders.com/viewportfoli...
http://www.top10traders.com is a free site that let you create a portfolio of stocks with $100,000 surrounded by "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks get something done compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing accepted wisdom.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
hope this helps.
If you want the physical gold ingots Perth Mint and they store it for free.
Resources Investment Trust I bought this for 86p it's now 213p, it could efficiently go to 250 and strong resistance around 200.
Look for an Invetment Trust near gold
Trustnet is a well-mannered web site.
More risky is parkland where gold ingots can be mined there are a few these on Toronto stock exchange not sure whats on AIM.
Mainly Gold and Oil both will generally move within the same direction.
If the world wake up to tha fact that the US Dollar is overvalued physical ownership of gold ingots would be the best investment
Copper Uranium are also a good bet a US quoted CUP ticker look thoroughly undervalued
I am 27 years old-fashioned and hold $100,000 to invest. What are the best ways to invest within establish to own a million...?
Question:
dollars in 12 or 13 years?
Answer:
I'm surrounded by a similar situation and here's what I've learned:
First, it's great that you enjoy a goal. Without one, you won't attain anywhere.
Second, make sure your aspiration is realistic. Setting a violently unattainable goal solitary leads to dissapointment and frustration. No one *knows* how to reliably earn the 20% (tax-free) return you would want to accomplish your goal.
Third, you're relatively babyish and not knowing anything more about you, high-risk investments should be easier for you to restore your health from, although 13 years is not enough. You might as all right be 52 years old and planning to retire at 65.
Fourth, diversify. Enron, Worldcom, Tyco. 'nuff said.
Fifth, if you're employed, max out your 401k contributions and Roth IRAs. That's a great style to get the currency you have in a minute into a tax-advantaged account. It's probably too tardy to max out your 401k this year if you haven't already started, but if your income is appropriately low, you can get a Roth. Then for 2007, put within the maximum $15,500 as quickly as possible. Some employer let you put almost adjectives of your paycheck in. You can live rotten the cash you hold.
Sixth, research. Knowledge is power.
Seventh, avoid the urge to day trade. Unless you are skilled at doing it, permit the pros do it for you.
Eighth, don't forget about you money. I in recent times realized that one of the authentic estate funds in my 401k plan have been averaging a 40% return over the finishing five years. Everyone and their mother knows that unadulterated estate has be booming the last several years. Why didn't I put my money if a pretty explicit investment? Because I forgot to care.
Ninth, don't sweat the losses. Average mutual fund returns are more approaching 8 to 9%. And that's averaged over several years. Some years are 15%, some are 0%.
Tenth, keep in your favour by building a budget that meets your desires, not your wants.
Hope this help.
put them in big interest CDs, you can make alot rotten of those
I would advise you to pick some blue chip stocks and some bonds- mutual funds similar to Vanguard (no charge) but don't go crazy put some surrounded by an IRA and a good compact disc
I don't Know how to make money but you should buy me a coup¨¦ i can get a mustang for 2,600 for my frist coup¨¦ but i'm in trig so i try stock only just a litte or a bank near HIGH intest and dont tuch it I coun't i want a car to unpromising please buy me a car
In the stock open market: BUT!! Make sure you study up on stocks and investing thoroughly before making a move. In the meantime, put the money surrounded by a high-yielding CD as the first answerer suggests.
10x growth contained by 13 years? You are dreaming.
That is over 20% return a year compounded. You will be doing reasonably ably if you can get 7%.
Click on http://www.4xmoneytrain.com
This is the best channel to invest your money to make a million.
You beat about the bush your positions to minimize your risks and loses and at the same time you collect huge profits from interests and fluctuations surrounded by the market.
invest contained by stockmarket . You will be worth five million dollars in 10 years plus dividend income $ 130000 per annum. Pick giant growth blue chips stocks which has giant return on equity and small cap stocks
Invest contained by mutual funds, they are reasonably risk-free and offer pretty suitable returns. But consistent 20% annualized return is hard to pull off. The 2nd richest man in the world, Warren Buffet, have an annualized return of 20.4% over a 60 years period.
Firstly you should diversify your investments.
Most lucreative business is stock and forex trading. So you should find a trader who accept private investments.
I'm a forex trader-analyst and I accept private investments. Usually I settle to my investors not less than 5% monthly for 12 months.
Reasonable investment amount is US$10000 (ten thousand) and above, but minimum could be from US$2000.
If you are interesting contained by private collaboration then PM or e-mail me (press on my name) and I indicate you further investment details.
You should see what the best traders are buying and selling and why. check out http://www.top10traders.com - this is a free site that let you create a portfolio of stocks with $100,000 surrounded by "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks complete compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing design.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
Here is a link to the stocks I enjoy in my Top10Traders portfolio:
http://www.top10traders.com/viewportfoli...
My favorite stock right very soon is Energy Conversion Devices, ENER. They make the battery in hybrid cars.
Good luck.
The stock bazaar would be the fastest way, given that you know what your doing. Other than that if you want a safer way-a dignified yielding disc compounded continuously. I'll give you a website where on earth you can use some calculators.
How do I find the standard deviation of a bond? Is it possible for a bond to enjoy a correlation coefficient?
Question:
If so how do i figure out the correlation coefficient?
Answer:
A correlatoin coefficient requires 2 variables. When you find a correlation coefficient you are measure how well two variables move beside one another. So, a bond by itself cannot have a correlation coefficient, but you can compare the bonds prices or interest rate near another variable. As for the standard deviation of a bond, Microsoft Excel is a righteous program to use to find standard deviation. If you go to the give a hand menu it should tell you how to find the std of a group of numbers.
hrmmm This sounds close to a job for 4XTrader!
Correlation beside what? Rates on 10-year Treasuries, GDP, inflation, the time of high tide? You hold to specify something.
If I bought 100 shares of microsoft stock at its inceptioon what would it be worth today?
Question:
Answer:
Each IPO share sold for $21.00 back within March of 1986...today each of those shares would be worth $8,208 soooo...
$820,800
Billy sell...20,000,000 of those shares every quarter...dang eh?
On that opening sunshine...those 100 shares would have made $675 because the stock closed that time at $27.75.
Look it up Pinhead who voted it down.
======================
more than you could ever spend. - even more than the government to lug from you
The same as if you had bought it today; it would be today's price times 100.
MicroSoft stock have split nine times (I think 2 for 1 every time.) It's currently timetabled at $29.13 per share. 2 for 1's nine times turns 1 original share into 256.
100 * 256 * $29.13 = $745,728.00.
By the agency, 100 shares is almost nothing for a start-up. If you be really in at its true inception $100 would hold probably bought 1,000 shares.
*edited splits were 1+2^8 (256.) I screwed up the splits originally.
Imagine if you have put $10,000 in it.
I come up near 21,600 shares, multiply by 29.13 (closing price on Tues 12/5) = 629,208
That's strictly based on share price, in that have be dividends paid surrounded by that time also.
Today's share price multiplied by 100
is it better to wage down principal on my mortgage or invest within rrsp's.?
Question:
Answer:
this is always a goad question.
markedly depend on situtation. But for me,
if my LTV on my mortgage is less than 75%, i will invest within RRSP. if my LTV is more than 75%, i will try to reduce the principle to 75% formerly invest in RSP
if you are planning on staying surrounded by your house until the mortgage is paid sour.. pay principle... otherwise invest...
Regarless of how long you plan to stay surrounded by your house, pay it sour before investing.
Ask youself this grill: If my house was salaried off, would I lug out a loan against it to invest? If you answered no, then you shouldn't invest while paying stale your house. It would be like doing the exact same piece.
If you answered yes, you are an idiot.
Oh, one exception is employer-matched 401k. You can never make up the employer contribution if you surpass it up. Otherwise, pay bad your mortgage and when it's done, you will have that money to ensnare up with. Whatever the interest rate on your mortgage is, you would enjoy to deduct that from anything returns you would have realize in an investment, along near the tax estimate, so you start out behind the eightball.
PAY DOWN THE MORTAGE AS QUICK AS YOU CAN. ITS ALMOST THE SAME AS INVESTING BUT MORE SECURE.LESS INTEREST YOU PAY THE MORE YOU HAVE TO SPEND OR SAVE. BESIDES THERE ARE STATE,LOCAL AND FEDERAL TAXES ON UNEARNED INCOME WHICH DEFLATES YOUR RETURN. UNLESS YOU ARE A INSIDE TRADER, HAVE LOTS OF MONEY TO INVEST AND I DO MEAN LOTS, YOUR BEST BET IS TO GET RID OF DEBT. I DID THIS YEARS AGO WHEN I BOUGHT MY NEW HOUSE. PAID IT OFF IN 12 YEARS INSTEAD OF 30. I SAVED A BUNDLE OF MONEY
better to wage the principal or refinance and pay more for poorer years (if you can afford it)
Invest in GIC's. When the GIC's are indistinguishable amount as your mortgage cash the GIC's salary off your mortgage and next refinance your property to buy back GIC's. Mortgage payments are not excise deductable in canada, but investment loans are. this route your "mortgage payments" become tax deductable.
Pay down the principal on your mortgage.
What is Sensex?
Question:
What is Sensex? How can I know moare about that and where on earth I can get more information. How I can involve yourself in in Indian Stock Market online. Can anyone serve me.
Answer:
Bombay Stock Exchange is referred as Sensex. To trade in equity surrounded by BSE online you have oodles banking channel open. However if you are a NRI, afterwards you will have some added restrictions compared to a Indian living surrounded by India. You can get more information from www.icicibank.com, www.hdfcbank.com.
The Bombay Stock Exchange is call Sensex
The BSE Sensex or BSE Sensitive Index is a value-weighted index composed of 30 companies with the stand April 1979 = 100. It consists of the 30 largest and most actively traded stocks, representative of various sector, on the Bombay Stock Exchange. The set of companies in the index is essentially fixed. These companies details for around one-fifth of the market capitalization of the BSE.
en.wikipedia.org/wiki/Sensex - Definition within context
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I hope this indian website faithful to investments in indian mutual funds and indian stocks online could be of some give support to to you.
http://www.nriinvestindia.com/
http://www.nriinvestindia.com/how_to_inv...
http://www.nriinvestindia.com/nri_tax_on...
How is it that stocks are competent to move while the market are closed?
Question:
I notice on a 5 hours of daylight chart for, G00GLE, for examle, there are other large gap inbetween days. I assume this has something to do beside "futures", but I am completley unfamiliar near this concept as well. Wil someone please explain this to me?
Thanks.
Answer:
Stocks are traded 45 min to 15 min back open on my online trade site. I see the bids kick around from 9:15 to 9:30 as well, so someone else have access to premarket durng that time. After-hours trading goes until some hour. Was it 8pm? I don't know, but I reckon off-hours trading is basically speculation by the clients of individual brokers, so your off-hours prices may change from mine.
Those jumps contained by off-hours are the main sense why day traders put up for sale out before the close of every afternoon.
It does not have to do next to futures. There are no futures contracts on specific stocks. A futures contract is placed on agricultural goods, financial stuff (bonds), stock indexes, and currency exchange rates. I believe after hours trading occurs because beside the technology today, people can place directives through online brockers while the market is closed. These advice do not go through until the souk opens fund up, but the price movements are visable during close. Think of it this way. Say G00GLE closed at 487.55 today. After the flea market closes very polite news going on for G00GLE comes out. The demand for G00GLE stock is going to rise immediatly, the constraint is not going to wait for the open market to open.
Mingo is incorrect, nearby are futures contracts on individual stocks, they're called Single Stock Futures (SSF's) and be launched a few years ago. I close to Random's answer.
I want you to stand on a street corner and watch family for thirty seconds. Now close your eyes for five second and open them. Did anyone move? How did they move when you did not view their movement?
Stocks are like population -- their value is other moving. The only time we take a look at their value is when they trade. Just because they don't trade and we don't take in them doesn't mean that they don't money value.