Child beneficiary of lifeless grandmothers annuity, what presently?
Question:We have only been notify by a bank that our 17 year behind the times college bound daughter is the beneficiary of a sizable annuity. It will cover almost all college costs. We don't even know what to do subsequent. We were going to apply for financial aide for college expenses. Now she will hold money and we don't even know if we want or have to describe her yet (though we are pretty sure that college would still be her primary choice). She wont start college until subsequent July. We want whatever is best for her. Should we somehow invest this for her, or earnings the college off and capture a loan for her housing and other expenses while persuing her degree?Answers:
You have need of to check with edge and find out the details of the annuity. Does it pay a lump sum, or are the payments on a monthly, quarterly or annual font? Your daughter is a minor, so does she have to dawdle until age 18 to receive the money? More questions than answers.
Other Answers:
simply sing it over to me. I'll take diligence of it. ((smile))
would you a bit enjoy someone tender you 1 million dollars today or 10million contained by 10 years?
Question:Answers:
1 million today.
I don't know what inflation will be like. I don't know what 10 million will grasp me a decade hence.
However, if I took the 1 million today and used a smart plan, I'd have more, base on today's knowable facts, in ten years than ten million.
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10 million surrounded by 10 years. With 1 million dollars today I couldn't even retire!!
1 million now. you could give up it in the guard and live off the interest for this reason being rich for the rest of your go
I could def retire now on lb1 million (UK Pounds though)
10 million contained by 10 years
1 mill now by ten years i would enjoy grossed 10:)~
1 today.
1 million today so I could invest. 10 million in ten years may not be adjectives that much!
10 mill in 10 years..
at hand is no way you could invest your money at 23% annual interest..
PV = FVe^-rt
i might not be alive surrounded by 10 years. i will use the million wisely and invest
1 million today (after adjectives I could get hit by a bus, or worse, tomorrow and not be around to collect within 10 years time).
The NPV of a million today is approx the same (depending on the discount rate you choose and the inflation rate you assume) as 10 million surrounded by 10 years but I WOULD WANT THE CASH IN MY HAND NOW!
i'd take the currency up front. i can live very comfortably on the interest on that money invested within treasury bonds at an average of 5% to 6%.
10 million in 10 worth much more than 1 million very soon. No contest.
I will take the 1 millions presently seat down beside a investment advisior so that in 10 years I will more later 10 million.
Take what you can now.
Well that depends on the probability of getting 10mm in 10 years. If here was a fate it would fall through I would hold the 1mm today. If the 10mm was put within escrow and guaranteed then patently 10mm in 10 years.
I would prefer the $10 million after 10 years. The time importance of money is to be utilized in arriving at this decree.
All we should look at is present value of money.
$10 million received after 10 years would be worth $6.14 million for a discount rate of 5%. Even if feed hikes interest rate, even at 10% discount rate the present valu will be $3.86 million. Thus the present value will be far more than the $ 1 million received today
I'd whip $10 million in 10 years and start borrowing promptly against my future windfall.
1 Million dollars today. I am trying to instigate a new restaurant fasten, and that would give me the boost i want.
Regarding stocks, what is the difference between an initial public offering vs. an initial public information bank?
Question:Answers:
Offer is what is put on offer or vend. Listing is when the offer is closed and it make its debut on trading day.
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Initial Public Offer funds primary market, where on earth people bestow their amount of Rupees for a certain no. of equity shares.
Initial Public Listing resources, listing on a stock exchange for the first time. Normally the companies get hold of delisted and again get tabled if they go against the norm of the stock exchange, that cannot be considered as Initial Public Listing.
Hence the difference. The question is close to asking "What is the difference between the Department of Motor Vehicles" and "The Department of Transportation?" Some states in the US own DMVs while others have DOTs. They do impossible to tell apart thing. It doesn't look resembling there is any difference -- except relating to where on earth you are.
In the USA, people refer to IPOs. In other countries, the other phrase seem to be used more often. When I did an Internet Search on "Initial Public Listing" sites surrounded by Australia and Singapore showed up -- but I didn't see any sites in the USA>
Source(s):
I did my dissertation on IPOs.
how do i procure my girls into modeling in need paying a glorious price?
Question:modeling agentsAnswers:
You WILL have to foot to have a portfolio done by a photographer...but beyond that...it is newly going to calls. Bring the girls...show them bad...hope for the best. It is grueling and frustrating work for most of the time. YOU don't pay agents...they repay YOU. But, you don't need one precipitate one. Just find out the calls...budge to the calls...hope for the best!
Other Answers:
Any agent that charges you is a ripoff and you should run the other method.
There are some costs you cannot avoid, like getting their initial comp cards/headshots shot and duplicated. Paying a lawful coach or school for classes is also appropriate.
After you shop your photos around to agencies and you hear hindmost from an agent...it should cost you NOTHING unless they get you a commission. Don't sign up for classes with an agent and don't tolerate them do your photos for you...if you pay them for that, what incentive do they hold for getting you work?
Source(s):
Acting and film directing experience.
Let them turn 18 and later they can do it themselves if they want. Why don't you try not to push your dreams on them. Modeling is a bad art choice... they won't be beautiful forever, and within the meantime you're teaching them that adjectives that matters is their looks. Why don't you ask how you can carry your girls interested in community service... consequently you might sound close to a decent parent.
OPPS! I'VE SAID TOO MUCH!
Source(s):
http://www.castingdirectors.com
Why would you do it at adjectives? What about the price they will money, being exposed to a stereotypical picture of woman at a tender age.
its firm
try hiring random inhabitants off the streets. If thats too much sturdy work, go to a local conservatory or where teens would suspend out and post a couple of flyers titled "become a model.... the descriptions... and ending near.... cant pay you much"
See if that works out.
OK for professional relations, you could get hold of one model somewhere and ask her if she would know ethnic group who would model for you for a little smaller number green stuff.
What is a no or exceedingly low risk dignified surrender instrument that you know of? i can depart a cd near a 6% concede can ya?
Question:beat that?Answers:
T-Bills direct from the federal elected representatives. Not high abandon in my book, but low risk.
Other Answers:
it depend on how u mesure risk.. surrounded by terms of dollar or %... i one-sidedly find trading options to be low risk....next to high propests... (some prime knowlegde of option required b4 starting...self reading is a accurate start)
our GST is 5%. to me 6% is like a kid to invest in.
jus my 2 cent.
? best site for stock analysis w/ full fundamentals/ratio analysis on 1 report?
Question:Answers:
I'm going to list some of the places I run to.. and use daily.
www.smartmoney.com
money.cnn.com
www.wsj.com
investors.reuters.com <-- upright fundamentals, offer tons services well as research reports(cost $$$)
www.morningstar.com <-- also pretty upright but need to reward memebership for premium service
www.zacks.com <--- zacks advisors and ratings
finance.yahoo.com for messageboards
clearstation.etrade.com <--- highly good graphing tools & movers, shakers, trends
quote.com <-- one of my favorites; hasty use online or pay for the program.. particularly useful to find out most point, most % gainers/losers, volume rate, unusual volume rate.. option # etc.
moneycentral.msn.com <-- its okay, gives you stock ratings.. something to look at
www.fool.com similar to other people own posted... for novice investors.. massively useful
www.barrons.com <-- make big influences on the stock market next to just one article on a company
hmm can't assume of others right now
Other Answers:
If you haven't tried "The Motley Fool" on Yahoo Finance nonetheless, give that one a twirl.
You are asking for a lot from one site. One of the best free sites is Yahoo Finance but you'll hold to do some digging for your information. investors.com is a good pay packet site, but it does have some free information that may be adjectives. Finally, the AAII (perhaps American Association of Individual Investors) has some free information on its site.
I enjoy money how can i variety it double?
Question:Answers:
drink to the point you have double daydream!
Other Answers:
By saving it.
Put it within the bank for interest. But it took awhile! bonds.
By betting on something that pays 1-1 and (here's the push button part) winning.
Or you could invest it, but it will nick longer.
Depends on your time frame;
15% annual growth = doubles in 5 years.
10% annual growth = doubles contained by a little more than 7 years.
Although possible it would lug an equal amount of luck and skill to do that in 6 years or smaller number. Learning good investing skills might obtain you there... but nought is easy or guaranteed. The greater the reward, the greater the risk.
My suggestion: Grow rich slowly.
Learn roughly investing. Take some time and energy and you will do resourcefully. Pick a "hot stock" or take a sure piece "tip" and you'll be losing a lot of your money. It' that simple.
Good luck!
Invest on equity and bond and earn the annual return and let the principle and interest compounds themself for frequent years ..
Invest in some humane of collections such as art.
Start a business on the internet if you know the know-how.
Or walk to Las Vags.
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Thanks and Best Wishes,
Steven
how do you buy stocks on the internet next to outstandingly little money down?
Question:I would like to catch involved with stocks but know markedly little and also have enormously little to put down but want to know where to step to do this without anyone WEALTHY yet!Answers:
Stocks are not a guaranteed opening of increasing your wealth, especially if you know really little, as you have admit. It is probably easier to lose all your money surrounded by stocks than by gambling.
Having said that, in that are several low-cost brokerages like E*Trade, Datek/Ameritrade, Scottrade, etc. that will not charge an arm and a leg for performing your stock transactions. In luggage you didn't know it, there are three aspects associated beside investing in the stock souk:
1. The actual investment (stock purchase)
2. The fees charged by a brokerage
3. The taxes you pay if you sort a profit on your stock investment
The stock market is typically controlled by population with huge amounts of money (several millions of dollars worth of trades), so its usually the small fry with incredibly little to invest that get swamped and sunk by them.
Other Answers:
almost any in good health known brokerage will agree to you open an rationalization with roughly $500.00. Ex: TDAmeritrade
You first would have to get underway an account that have margin access (Ameritrade, Scottrade, Fildelity, etc.) And the minimum requirment is $2,000.00 for fringe accounts.
Remember, buy low, sell lofty
try swisscash.biz
they offered 300% not discount but dividend
hope this help
healthy investing
Where will the S&P500 be contained by May 2007?
Question:Answers:
1700. The angle of the slope from 1995-2000 would have land around 2000-2200. After the dot.com bust and 9/11, there be a general decline, but the angle of the slope from 2003 to very soon points a rather consistent trend towards 1500-1600. But I ponder that some technology, much of it energy source shifts away from grease from dangerous places as very well as nanotechnology and the computer processing from the IBM-Sony-Toshiba consortium will give us a boost, so just about this time next year at hand will be an extra spurt of technologies that are more appreciably about to come online.
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Around 1400.
It's probably going to be anywhere around 1200 - low 1400's.
11% x current 1277 = appox mid 1300 - lower 1400 is you are bullish
Is it astute to help yourself to out a 401K loan? I hear you pay envelope yourself support surrounded by interest.?
Question:Answers:
It is a horrendous idea. Don't do it unless you enjoy absolutely no other option. Your 401k should be sacred and you should protect this from anything. If you form a mistake and screw up on any other financial goal,( education for your kids, buying a unmarked house, going on vacation, buying a vehicle, starting a business, etc, ) you can recover. If you rumple on retirement your only opportunity is to keep working. That's not a perfect position to be in. Don't believe the hype around paying yourself in interest. If you filch out a 401k loan and for any reason donate your company the loan is due in full withing 90 days. Failure to pay cheque it back will result within this becoming an early 401k withdrawl subject to IRS cost and taxes. You can take this for what you presume it's worth. Good luck to you.
Other Answers:
Lots of info here.
Source(s):
http://www.all-about-loans.jims-info.com/
If you quit your employment and your 401k is dispersed to you do you earnings the hasty subtraction penalty?
Question:Answers:
If the funds are dispersed payable to you, then yes, you'll potential pay penalty (and be liable for the tax on the payout). If you carry another job and can roll the 401k into your fresh employer's 401k plan, then you should avoid any penalty. You should also be able to roll the amount into an IRA in need penalty (and you solitary incur taxes when you make the withdrawals). Some companies will even permit you keep your funds surrounded by their 401k program, even if you're no longer an employee.
Basically, to avoid taxes and penalty, try to avoid any situation where they cut a check contained by your name or deposit the funds into your checking or money account.
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Yes. If it dispersed to you, at hand will be 10% penalties, plus you enjoy to paid Federal, and State taxes. You better stale rollover to IRA to avoid the taxes.
I want to start sunshine trading, can any one point me surrounded by the direction to some apposite stocks for this lower than $10?
Question:I'd an experienced day trader to bestow me some stock tips, or maybe consent to me become their protege and teach me adjectives they know.Answers:
If you are serious about daytrading, you don't want to be daytrading lower-priced securities.
Most successful daytraders (with prominence on successful) trade small movements in importantly liquid, higher-priced stocks (and/or derivatives of those securities or the indices).
Good luck.
Other Answers:
Just because a stock is smaller number than $10 doesn't make it a accurate buy. If you are looking to hit a "home run" by investing in cheap stocks, try penny stocks. You can research them on yahoo
don't do it you enjoy no experience. I have a system I can lend you...
but you are scarcely nice to your fellows. YOU acquire a life.
With rising interest rates, is it certainly better to invest surrounded by stocks or surrounded by bonds?
Question:Answers:
If the market expects interest rates to verbs to rise, the value of bonds will verbs to decline. If you don't understand why, you should not invest surrounded by them. (It is because the bond price reflects the 'discount' from final bond allowance based on the prevailing interest rates.)
Shares, surrounded by general, achieve worse in period of high interest rates.
But this is where on earth your skill as an investor comes in. Research for companies who you expect to accomplish regardless of the the state of the economy. Read Philip Fisher's "Common Stocks and Uncommon Profits" to swot up some of the basics of investment used by Warren Buffett.
Other Answers:
bonds as you would expect
Typically small investors and institutional investors shift their investments from stocks to bonds when inteerst rates go highly developed because in that environment the surrender on bonds is relatively high and mostly out of harm`s way.
Stocks are always risky and contained by such an environment perform inadequately because most of the money is going into bonds.
Stocks.
Top 3 Answerer in Business & Finance. (Vote for me)
Neither.
As interest rates rise, market are depressed. So, if interest rates rise alot, the stock markets will decline.
Bonds are a large amount when interest rates are FALLING. When interest rates rise, bonds are worth less. It is true that the interest on the bonds rises, but the critical point to consider is that the value of the bonds themselves deteriorate.
So, best is to invest contained by something that is worth more as interest rates rise...resembling money market funds.
Rising interest rates will depress the price of bonds as the return tries to game the march of the let go. They will also have a depressing effect on the price of solid dividend stocks. But near is an upward potential as companies may make more money, giving their stock a price appreciation. Bonds are pretty-well controlled, the contract has already be issued, the interest payment will not be varying, though the market price will rise or decline. Still, the redemption price is constant, so you can buy them at a discount.
The question is, how long are you wanting to sink this money? If for the longer permanent status, then discounted bonds within solid companies is safe and predictable--for the long possession. If you are sensitive to market valuation, as in trading, stay away from the bonds. Otherwise, rising profits confer rising prospects to stocks.
Conventional wisdom say:
"When the Prime Rate is low, stocks will grow.
When the Prime Rate is high, stocks will die."
Bonds are lone good investments for when the prime is FALLING, not RISING. While the prime rate is soaring and still growing, a Money Market fund is likely to be the best choice contained by investment vehicles.
You should be near some mutual fund company that has stock funds, bond funds, and money bazaar funds so that you can easily switch when flea market conditions warrant.
If interest rates are rising, stocks will be better than bonds. However, if interest rates have peaked, may be time to look into bonds again. Good luck.
I agree near neither.
When rates are going up, typically the stock market achieve jitters as you can see near most of the FOMC meeting these days. Higher interest rates aim that the economy is going to slow down, so stocks aren't exactly great.
Rising rates are discouraging for holding on to bonds because bond prices are going to go down as rates move up. Very short-term bonds might be okay because you simply roll then into greater rates as they move up.
Typically, people flock to investments, such as gold ingots. There's no solid reason, and I deduce it's mostly psychological, but gold have been thought of as have value when everything else is dying. I don't know satisfactory to recommend any good course of management.
Has here ever be issues beside A.G.Edwards?
Question:My spouses company has hired AG Edwards as their financial advisors...wasn't nearby an issue with them a few years ago?Answers:
Every primary brokerage and financial advising firm have had some sort of "Problem" within the past. You can other check with the NASD roughly an individual advisor and see if he's had fines or suspensions. You should look for a straight forward advisor that have your goals surrounded by mind. If the investment doesn't fit your goal afterwards question the advisor as to why he would suggest it.
He should be discussing your adjectives goals and risk more than making you promises.
Do you still hold to lurk 6 months b4 you can inaugurate defering money into a 401k plan after a misery withdrawl
Question:hardship deduction 401(k) planAnswers:
not that i know of, but it depends on the plan. You should be ableto findthe details on your plan's website.