Can a party lend money to the other and put it on their credit report until they payoff?
Question:
I'm gonna lend my friend $2,500 and he promised to pay rear in 1 year (12payments), beside 10% interest. Is it possible to put it on his credit report until he pays me in full? How can I do this? How do I procure it out of his credit report?
Answer:
No, an individual cannot put information on a credit bureau report. You need to be an authorized lender to put information on a credit report.
If you enjoy not already given your friend the money, be sure to have him sign a promissory facts which indicates when the payments will be due, how much the payments will be ($219.79/month), when the payments will be considered late and what penalty will be associated with delayed payments. Have him sign this before you provide him the money. With documentation like this, you can sue him surrounded by small claims court and get a judgement against him if he default.
If you have already given him the money, you should still try to own him sign the promissory note, but if he doesn't want to, you are probably out of luck if he default on you.
It won't go on his credit report because you aren't allowed to report it. Credit reporting agencies solitary work with legal lenders and businesses, not personal loans between two individuals.
I never lend money unless I'm prepared to think of it as a bequest. Too many things can step wrong and usually do that prevent payment. You'll any lose the friend or the money.
Question just about investing?
Question:
I was checking out yahoo nouns, after I chose a company and I went beneath historical prices, I saw all the prices availbale and the dividends compensated over the period of time... BUT MY QUESTION IS WHAT ABOUT THOSE "PRICES"? WHAT ARE THEY EXACTLY? DO THEY SIMPLY REFER TO PRICE OF SHARE ? THANK YOU :)
Answer:
YES - the per-share price at the close of business on that afternoon.
Has anyone attend the class offered at investment seminar? Did you carry your money worth?
Question:
I've been to some of the seminar. They always extend a two to three-day class; the cost is anywhere from $2,495 to $6,000+. Have you attended their classes? Some offered classes with a 100% money back-guaranteed. They are: Optionetics, Investools, James Smith National Real Estate Investor. Do they live up to their promises?
http://www.successdreamteam.com/...
http://www.investools.com/
http://www.optionetics.com/
Answer:
The lone class I have remunerated to attend was one offered by the Options Industry Council which cost closely less than the ones you mentioned.
In expressions of new fabric, I probably did not get my money's worth. In lingo meeting my expectations, I did. It confirmed to me that my situation on options trading be good and give me the confidence to do more trades. It also gve me the chance to amble through the CBOE trading floor while it was accessible and to actually try broadsheet trading on the floor after it had closed.
As far as the seminar you listed I am not used to with adjectives of them, but assuming they are all similar to Optionetics here is my view based on what I hold heard from others.
(1) They do tender you some valuable information. You could also bring the same information from reading a couple of books for a small fraction on the cost.
(2) You will be encouraged/pressured to buy more products from them, such as advanced classes and software, adjectives of which cost thousands of more dollars.
The money back guarantees are little more than a scam surrounded by my opinion. You may be capable of get put a bet on your tuition, but not your expenses or your losses.
If these guys are so good at making money within the market, why are they spending their time developing seminar instead to doing their own trading?
i would say no because if in that methods work so well after why arnt they using them instead of making classes to earn a bit of cash
Buying Stock?
Question:
Id like to know how to buy stock and what i would own to do and go to buy them?
Answer:
You entail a broker, or someone who is certified by the Securities and Exchange Commission. If you want to do it yourself like I do, you can open out up a brokerage acount with E-Trade or Schwab. Simply verbs money with your ridge account.
Once you do that, do some research, find the stock symbol of what you want, after trade away. If you need any further explanations, grain free to e-mail me. I made over ten grand since I open my schwab account and not a soul helped me at adjectives!
Progress of a definite stock ... where on earth can I find this info?
Question:
So I wanna know about the progress of a stock over a length of about 3 years... ... And over a length of like 2-3 months... Where do I find that ? I tried yahoo nouns and G00GLE finance, a moment ago didn't know where to jump exactly It's the first time I visit the website so complicated abet me out plz. urgent . Thank u
Answer:
If you are looking for the stock price history, it is easy beside yahoo finance. Enter stock symbol, for example: ibm. Then on the vanished side is "historical prices". Then enter the dates or select "daily", "weekly", etc . You can also a short time ago find dividends.
Try Bloomberg.com
If you are looking for a stock chart, try finance.yahoo.com. Type contained by the ticker symbol, then click on the chart surrounded by the right hand side of the eyeshade. From there Click the L to kind the chart large, and donate some time 5 years should get you a apt idea of the movement and pivot points of the stock. LMK if you requirement more help.
Which is worth more? A Chinese child or a sports car stereo?
Question:
Answer:
A baby! Human life span is the most precious thing surrounded by the world, though some people don't accomplishment like it.
In China it depends , whether it's a boy or a girl.
It's dismayed when you want to put a price tag on human's life span. We're worth based on how much we utility ourselves. Since babies can't speak for themselves, their values vary.
The good point of a Chinese baby or a saloon stereo is based on the bazaar itself. Supply and demand - worldly monetary standard rule.
Not to put a value on a human vivacity (of any nationality), but since I own a car, and I resembling music...but I do not have necessitate of a baby (of any nationality)...the sports car stereo is worth more to me at this point in my existence. When I find myself in necessitate of a Chinese baby, (since I already own a stereo in my car) I will agree to you know.
Find the duration of a loan within days that have interest 114, a principle of 28000 and a interest rate of 6 1/4%.
Question:
Hint use 365 days for one year
Answer:
23.7114 days.
formula
(28000*6.25/100)*?/365
if u solve entire thing , u will gain 23.7114 days. nearly ( 24 days)
i hope this solves u r problem ............. Have a nice day
If the interest on a loan is 72.50, the principal be 890.63, and the loan be for 90 days, what be?
Question:
the interest rate (using exact interest method)
Answer:
Excessive. Evaluate 72.50 x 365/(90 x 890.63), and multiply by 100 for percent.
Try phoning an accountant you know, or someone who knows one, or someone who works surrounded by a bank, etc, and they can report to you quickly.
Good luck.
Mary deposited 25,000 within her article at a local mound. the guard pays 7% interest compound semiannually.?
Question:
What is the effective interest rate?
Answer:
NO to the first answer. Compounded semi-annually merely means the interest is computed twice a year on the symmetry at that time, with an annual rate of 7%. So the first partly a year is 25000 X 3.5% = $875 in interest and after then second partially is 25875 X 3.5% = $906 in interest,. Total interest for the year is 1781 so to be precise 7.12%
Is yahoo stock any worthy?
Question:
lately it seems broken
should I try to short it?
I hear some of their best employees disappeared
Answer:
I bought it back when it be at 40. Then I bought it at 22. I sold at 32 and said never again. I think this company sucks, and G00GLE is gonna play the drums the living crap out of the rest of it. It just go down a bunch though, so I wouldn't short it. I would have shorted a week ago though.
It's worthy for shorting. That's about it.
looks to me approaching it is going to die like the dog that it is.
Absolutly worthless. I personnal don't and haven't owned any of my own, but G00GLE stocks give the impression of being to move better, but you have to lock in them on the down days, because they usually rebound pretty in good health on the up days.
Are option strike prices used to downward if a company issues supplementary shares to fund an getting hold of?
Question:
For example - I like a stock and reflect it will be eventully bought out by a larger player but in the interim I expect the company to issue stock to fund growth - So if I look at a Jan 2008 Call Option at beside a Strike Price of $35 -- Does the strike price change if near is share issuance as I expect ? Or am I better off waiting for shares to be issued and afterwards buy an option beside a lower strike price ?
Answer:
Strike prices would be adjusted for a split or an extraordinary dividend (usually explanation a dividend greater than 10% of the stock price).
Strike prices are not adjusted for share buybacks or modern shares being issued by the company.
i regard the strike price cannot change.
Strick prices do not switch, you call will stay at that strike price.
Will the DOW shutting the year above 13,500?
Question:
Answer:
I believe it will pass above 13,500 befopre the come to an end of the year - but whether it will remain there as of 31 Dec 07 is cautious.
My personal estimate is a Dow of 13,770 at year-end. Earnings are solid, inflation is under control the see is not until 2008....the only deduce that could spook the Dow is if "W" decided to drop a few bombs (or troops) within Iran. That could be trouble for the market.
Either passageway, I still see us above 13,000 at year-end.
My sources say no.
It may ending the MONTH above 13,500. Yes!
Yes,but dont forget about the regulation of gravity.What goes up will come down. http://charting-the-market.com/...
Who know?
.
never ' no ' no way
investors hold been thoroughly bullish lately so it will take something substantial for it not to achieve that by years end I wouldn't be suprised to see even 14,000 but in attendance are no gaurantees.
Jane took out a loan for 16800 at 9 1/4 on April 2. The loan is due January 8th the following year.?
Question:
Using ordinary interest method, what is the interest and the old age value of the loan
Answer:
$16800 + 9.25 % = $18354, thus interest for 1 year is $1554. Nine months worth of that interest is $1165.50
Maturity significance is therefore $17965.50....or something approaching that.
What mutual fund have vanquish the marketplace for the final ten years?
Question:
or at least 7 yrs
Answer:
Assuming you are chitchat about equity funds that whitewash the S&P-500 Dividend adjusted for the final 10 years from 4/18/97. Then here are the first fifty funds that beat VFINX's 123% gain rank in direct. Returns include dividends reinvested. VFINX falls in at # 1199 out of 2096 10-year old-fashioned funds.
2096 Funds ranked by Return from 04/18/1997-04/19/2007
1,WMICX,Wasatch MicroCap,846.58%
2,BRUSX,Bridgewa Ultra SmallCap,734.40%
3,WWWFX,Kinetics Internet,723.28%
4,MXE,CLOSED Mexico Equity & Income,691.35%
5,BMCFX,Bjurman MicroCap Growth-D,651.39%
6,FMIOX,FMI Focus,580.40%
7,CGMRX,Cgm Realty,556.20%
8,IFN,CLOSED India,546.38%
9,IIF,CLOSED MorgStan India,544.20%
10,BRAGX,Bridgewa Aggressive Investors 1,538.21%
11,NAGPX,NichAppl International Growth Opport-I,529.17%
12,TKF,CLOSED Turkish Inv,512.71%
13,LDF,CLOSED Latin American Discovery,510.14%
14,SNF,CLOSED Spain,500.72%
15,PRMTX,TRPrice Media & Telecommunications,489.21%
16,FBRVX,FBR SmallCap,480.53%
17,CVGRX,Calamos Growth-A,469.47%
18,MMEYX,Munder MicroCap Equity-Y,450.11%
19,EWW,EXTRADED MSCI Mexico(iS),447.50%
20,FIMPX,FirstAm SmallCap Growth Opportunities-Y,445.90%
21,LETRX,ING Russia-A/1780,440.85%
22,RYPNX,Royce INV:Opportunity,433.96%
23,ODMAX,Oppenhmr Developing Markets-A,431.86%
24,NTKLX,ING International SmallCap-A/1643,431.53%
25,DGSCX,Allianz RCM Global SmallCap-I,428.76%
26,TRF,CLOSED Templeton Russia&East European,426.83%
27,MVALX,Meridian Value,425.83%
28,VGENX,Vanguard Energy/51,422.17%
29,FSTEX,Aim INV:Energy,421.19%
30,MXF,CLOSED Mexico,419.31%
31,FSLBX,Fidelity Sel Brokerage & Investment/68,418.60%
32,DFCSX,Dfa ADV:Continental SmallCap,411.47%
33,VINEX,Vanguard International Explorer/126,408.44%
34,BJBIX,Julius International Equity-A,404.90%
35,SSGRX,BlackRoc INV:Global Resources-A,403.94%
36,FSNGX,Fidelity Sel Natural Gas/513,402.11%
37,ARPEX,MTB INST:SmallCap Equity-I,399.88%
38,RVT,CLOSED Royce Value Tr,395.98%
39,VHCOX,Vanguard Capital Opportunity/111,395.54%
40,PRIDX,TRPrice International Discovery,395.50%
41,RNE,CLOSED East Europe,394.62%
42,MSUSX,MStanIns US Real Estate-A,393.58%
43,PRLAX,TRPrice Latin America,393.10%
44,HFCGX,Hennessy Cornerstone Growth,387.78%
45,EGLRX,Alpine International Realty Equity-Y,386.78%
46,RYLPX,Royce SER:Low Priced Stock,386.74%
47,MALTX,BlackRoc Latin America-I,385.76%
48,SUSIX,JPMorgan US Real Estate-A/3034,385.56%
49,TEGAX,Touchstn MidCap Growth-A,382.81%
50,MSSGX,MStanIns Small Co Growth Port-A,382.35%
Studies own shown that NOBODY beats the marketplace over the long haul. So even if you found a fund that have beaten the marketplace for ten years, that fund is probably due to under-perform the market for the subsequent ten years.
Saying that NOBODY beats the open market over the long haul is incorrect. Many individuals own such as Warren Buffet and George Soros.
Bill Miller of the Legg Mason Value Fund beat the marketplace for 15 years in a row up until later year. But last year he underperformed for the first time, and misssed it by something like 10%. Still - he had a perfect run!
i guess pgcpaul's answer kinda blows the old "NOBODY can conquer the market over the long haul" hypothesis right out of the water. folks that say that are usually the ones that haven't taken the time to tutor themselves in the market. also, a lot of individual traders "trounce the market" on a consistent basis.
What is an ETF?
Question:
I just have need of a highlevel description of what they are and how they work
Answer:
ETF is an exchange-traded fund. There are two types of exchange-traded funds. Index ETFs hold a basket of securities comprising a popular index (DJIA, S&P 500, MSCI Japan, etc.) and thus track that index very closely and trade remarkably closely to their net asset pro (NAV). Closed-end funds are actively managed and may hold smaller number liquid positions (there are even funds that invest within syndicated loans), so their share prices may deviate from NAV, sometimes as far as 15-20%.
Unlike mutual funds, ETFs trade intraday and can be sold short; many (especially index ETFs) are optionable. Also unlike mutual funds, the admin company of an ETF has no necessity to redeem shares at NAV, so there is no guaranteed liquidity.
Disregard the answer by LERUTH9092; he is chitchat about EFT (electronic funds transfer)...
An exchange-traded fund (ETF) is a picnic basket of securities designed to replicate the performance of a stock or bond index (e.g., S&P 500, Dow Jones Industrial Average). ETFs are programmed on an exchange and can be traded intra-day at a price set by the market.
ETFs add on the flexibility, ease, and liquidity of stock trading to the benefits of traditional index fund investing.
To better construe ETFs, it may be helpful to become conscious index funds, which share some similarities.
Both ETFs and Index Funds:
Allow you to buy an interest in an entire portfolio of securities by purchasing a single payment
Are passively managed and enjoy limited expenses
Are designed to track the see of an unmanaged index
Track a broad market index or target a specific sector or segment of the bazaar
Track markets within various regions or countries
ETF = Exchange Traded Fund
Exchange Traded Fund. A fund that tracks an index, but can be traded similar to a stock. ETFs always bundle together the securities that are within an index; they never track actively managed mutual fund portfolios (because most actively manage funds only disclose their holdings a few times a year, so the ETF would not know when to adjust its holdings most of the time). Investors can do purely about anything near an ETF that they can do with a majority stock, such as short selling. Because ETFs are traded on stock exchanges, they can be bought and sold at any time during the day (unlike most mutual funds). Their price will fluctuate from moment to moment, basically like any other stock's price, and an investor will involve a broker in writ to purchase them, which means that he/she will enjoy to pay a commission. On the plus side, ETFs are more tax-efficient than conventional mutual funds, and since they track indexes they have severely low operating and transaction costs associated with them. There are no sale loads or investment minimums required to purchase an ETF. The first ETF created was the Standard and Poor's Deposit Receipt (SPDR, pronounced "Spider") within 1993. SPDRs gave investors an glib way to track the S&P 500 in need buying an index fund, and they soon become quite popular.
Electronic Transfer of Funds, If you wallet your taxes on the internet and have IRS distribute your refund to your abiding or checking account directly it is an ETF. Online bill paying services are ETF's. PayPal is roughly an ETF service. If paying out, funds from your account are sent from your wall to the bank of the receiver.
ETF stands for exchange-traded fund. These trade like stocks at prices that transform during hours the stock market is open out, unlike mutual funds that trade at their closing price at the end of the trading hours of daylight. ETF's are baskets of stocks representing an index and each have its own symbol. For example the symbol VTI stands for Total Stock Market Index. EEM is an index of emerging market stocks. IBB is an index of Biotech stocks. You earnings the same commission as for a stock and these trade on stock exchanges.
Unlike a mutual fund, the index is not manage - i.e. they don't sell underperformers to buy better stocks. This keep expenses down. Their main lead is that they have low expense ratio compared to mutual funds. Most very sizeable mutual funds behave like an index anyway but have much highly developed expenses. Very few actively managed mutual funds outperform the corresponding index.
ed
what wants to be addressed is the certainty that the price of an ETF has nil to do with its holdings, but fairly its perceived value to buyers and seller just resembling any other stock.