What is the convenience of a 1923 silver dollar bill?
Question:
Answer:
Assuming you mean a 1923 silver authorization, it depends upon the condition of the bill and the signatures on it.
If the signatures are Speelman and White or Woods and White the value ranges from $14.00 for a bill contained by "good" condition to $87.00 for a bill in "uncirculated" condition.
If the signatures are Woods and Tate the appeal ranges from $18.00 for a bill in "good" condition to $325 for a bill contained by "uncirculated" condition.
Uh? bills are made of paper
If I own an extra $1000 a month, is it better to repay down my mortgage or invest within index funds?
Question:
My home loan is at 6.5%, but paying an extra thousand a month will cut about 15 years rotten of my loan. However, I also realize I stand to gain a lot of compound interest investing that $1000 every month by only putting it into an index fund. The thing that have me wondering is if I pay down my home loan that much quicker, than I hold that much more to invest from that point on.
Which is perceived to be the smarter plan and why?
Answer:
The absolute smartest item is to invest the money in a very well diversified portfolio of stocks and bonds...probably easiest through mutual funds...with a apposite portfolio you can reasonably expect around 9-10% return over the long permanent status (and this is probably pretty Conservative). That alone makes it a better choice consequently paying down a debt at 6.5%; however, when you factor in that you can reduce by your home interest on your income taxes that lowers the effective interest rate even more. I've gone through the math near many clients and it is almost other a better option to squirrel away now and agree to your money grow and use the power of compounding interest.
With all that human being said though if it would make you grain better to pay sour the mortgage early you hold to take that into depiction as well....Life is not simply roughly speaking numbers....peace of mind and such has to be taken into depiction as well...a right compromise might be to save $500 and pay cheque an extra $500 toward the mortgage.
Hmm...
I believe so, but check here just within case:
http://answers.yahoo.com/question/index?...
buy a movado study
A personal decison, but I would pay past its sell-by date the mortgage sooner so I am debt-free quicker.
bah, spend it on a really nice TV!
Put some money towards your principle and interest/
pay bad the mortgage!
is a biiiiiig freedom
i think you should income off your mortgage because stock will other be there but where on earth you stay may differ...so first things first mortgage than have fun beside it after that's taken care of .........
First check your mortgage papers. A lot of times they'll charge a charge if you pay too much towards your grant, or pay sour a loan early. Read the fine print.
I can't vote which is better, you have a well brought-up point both ways. Sorry can't help here....
I think investing is the means of access to go. what big-hearted of return would you be getting? If you invest it wisely you would probally be capable of pay sour your house even faster. I happen to survive a foreign exchange acount and can get you any where on earth from 5 -30% a month. That's just an alternative to look at. Or there are closely of other investment opportunities. I certainly pay for a house completely bad returns from investing but that's another story. Just make sure you kind good investments and do your homework.
If you can earn more return by investing within an index fund, then your answer it to devert monies to investments. However, you inevitability to look at the average return of the index fund over the past 1-3 years to determine if it is worth the risk. It is adjectives about your risk profile and your aversion to debt. Personally, reducing debt is other my goal. Plus, you will could potentially build your network worth faster by paying debt down.
Why not a bit of both... Pay off the mortgage next to half and invest the next of kin.
Two things to note: Mortgage is one of the few debt's that not considered "desperate debt". What's meant by this is that the interest is collectively tax deductible, unlike interest on vehicle loans or credit cards. Plus your home is an investment that should appreciate with time. In some situations where on earth you might move to a new home past the mortgage is paid past its sell-by date, you may stand to make money in recent times from the appreciation of property value above and beyond what you owe on the mortgage.
Second, Investing surrounded by a mutual fund or ETF regularly will allow you to dollar cost average into investments and lessen the effect of having to time the souk. My only concern is that you deduce what you are doing. Index funds, or any non-money market funds don't enjoy a "rate" of return. They have returns measured by regulation in price from 1 extent to the next + any possibly distributions. Over the long-term a diversified portfolio, or index will confer you returns greater than just have your extra cash socked away surrounded by a bank tale, but just be aware that nearby is no guarantee.
In the end it's your finding, so paying off the mortgage, investing, or a combination of both adjectives sound close to pretty good planning. Sounds like you own a good situation to work next to having the extra bread.
-good luck.
Buy stocks
your mortgage isnt really going to go down that much on a 1000 bucks a month. I am sure if you put 12,000 a year contained by stocks you can get a better return than the amount you would be good on your mortgage.
do the math, 1000 a month towards principal = how much interest savings a year.
afterwards look at how much you can make on stocks or a money bazaar a year. But youll get adjectives your money back contained by your mortgage anyway when you sell it
Any clothed Mutual Fund will return at least 20% annually.
The definite question is: will the index funds return more than your cost for the mortgage? Given the import tax benefits of a mortgage, your cost is probably around 4%/year for each dollar owed.
Given that the long permanent status return for the SP500 is greater than 10%/year, I believe the answer is that investing in index funds would be better. But you enjoy to be prepared for a bumpy ride, some years you will lose a good bit of money, but on average you will label more than 10%, or 6% more than your mortgage cost..
I think you could to pay envelope a part of mortgage and rest to look at FOREX flea market.
take a look at
http://www.finanzasforex.com/prg......
they are a Private Club of Investments and present very soaring interest funds. (+10% month)
They have more 3000 investors a short time ago in this moment.
you can gain access immediately for FREE.
The answer depends on a few factors:
(1) what is your rates bracket?
(2) what is your expectation of investment returns from the stock market?
(3) do you inevitability some mid-term cashes?
The investment gains within the stock markets are repeatedly taxable. However, your mortgage interests are often rates deductible. Therefore, your expected stock market gain of 10% per year could be impossible to tell apart as 6.5% mortgage interest rate. So, if your expected investment returns is less than 10%, next it probably better to pay your mortgage.
Some conservative financial advisor suggests you recompense off the mortgage first. This is because you are borrowing money to invest. Unless you are a fitting stock market investors, your risk is much highly developed of not paying the mortgage. Some aggressive financial advisor, on the other hand, suggests that you invest contained by the stock market. This is because greater risk often system higher returns.
Furthermore, if you have need of extra cashes two or three years later, later you should consider stock market. It is easier to liquidate.
For your mention, I put my extra money in the stock market so that I can have extra cashes confidently if necessary. And, it is probably central for you to lower your mortgage interest rate; 6.5% seems giant.
Calculating Beta and cost of equity assets?
Question:
Hi can anyone help me beside this. here is the info:
year -1 market rate of return 25% Firm rate of return 15%
year -2 10% 6%
year -3 15% 9%
year -4 20% 12%
Calculate beta for firm? risk-free rate is 14% and open market rate of return is 4%
Can someone shoe me how to calculate this? gratefulness
Answer:
First you need to find the correlation between the marketplace return and stock return. There are just 4 points (put it within Excel, and use the correl function), and so the correlation is 100%. (Of course, this is an artifact of having of late 4 observations, you'd never see this with a wearing clothes number of data points, but to be precise neither here nor there.)
Now beta is correlation * stdev(stock) / stdev(market), which is almost (again using excel, but this time the stdev function) 1*3.8730/6.4550=.6 So the stock beta is .6 .
Now, the cost of equity capital is risk_free_rate + beta * market_risk_premium = 14%+.6*4% = 16.4%.
Here, base on the placement of what you said, I presume that it mean that the souk risk premium was 4%.
Hope this help! Please don't forget to select a best answer. :)
What are the best performing mutual funds contained by India for NRIs to invest within?
Question:
Answer:
The one thing to remember on the top performer is they have never be at the top for More than three years in a row.
at present SBI Global fund and Reliance Growth and HDFC products are doing pretty well, i am AMFI certified consultant, u can contact me , if intrested to do investment, I work for HDFC SLIC from Bangalore
birla sunlife mutual fund have done well contained by recent past also hdfc's equity fund.
hi palash,
the phrase 'well best performing mutual fund' can be interpreted within many different ways. eg:
- best contained by 1 year, 3 years, 5 years
- best in the category, etc.,
you have to first chalk out your investment strategy and risk appetite. for helping you carry started on MF, do visit the pattern page
http://mutualfundbangalore.G00GLEpages.c...
Hope it helps,
GyaanGuru
We can do MF Asset Allocation & spawn periodic reccommendations for dynamic organization.Alternatively NRI's can invest into PMS Services and take direct exposure to the Capital markets/Equity for enhanced returns.Contact for
further information<IAAI(dot)Kapital@g...
Use http://www.moneycontrol.com/mutualfundin...
There are many categories surrounded by mutual funds. Their returns vary depending on their investment portfolio similar to equity, liquid, debt etc
Visit www.vjondalalstreet.com/faq.ht... for more details
What is 1EUR surrounded by dollars?
Question:
Answer:
Put www.xe.com on your Favourites menu. Accurate and up-to-date exchange rates will always be at your fingertips.
Currently it is $1.36
At the moment more or less $1.36
1 euro is $1.37 at todays exchange rate
1.3648 USD
approx $1.40 cents....
1.00 EUR = 1.36501 USD
www.xe.com
Right now, it is roughly at 1.36 dollars for 1 euro. U should be coming here if U hold lots of euros, great deal
It is 1.3662 presently, you can check the most updated from the website:
http://finance.yahoo.com/currency/conver...
It's about 1,36 dollars
and in the order of 3,50 reais(brazillian money)
Has anyone truly made a profit bad of a commodity program?
Question:
Some of them sound so great (and adjectives with MONEY BACK GUARANTEES :)) Has anyone found a program (preferably online) that they would recommend for any commodities or day trading?
Answer:
Please rebuff the above REPORTED spam artist. I am an investment advisor of thirty years, hold all the 'tickets' NYSE #7, CBOT #3, Options Principal #4 and others ... I hold yet to see a program that works consistently. I own seen and used several programs that work exceptional okay if the user fully understands what the program is designed to do. Sadly, too lots outfits go on TV and the Internet touting Commodity, FOREX, Options, Stocks, Day trading, and other programs and systems that may be a usable product for an literary investor and make adjectives kind of gleaming promises to novices that really don't enjoy much chance at nouns unless they get really cultured real swiftly before their risk money runs out.
distribute an email if you like and I will supply you names of a couple of these that are worth investigation. I don't trade any of them and have no affiliation near the companies. Good Luck, Good Fortune, and Keep those very suspicious eyes WIDE OPEN!!
i made money online here. ive made about 600 within 2.5 months and theres thousands of other on the site who have made more
http://www.treasuretrooper.com/212298...
Anyone have apposite results from MacX's The Insider Code contribute?
Question:
Need to know if this system anctually worked for you.
Answer:
I have purchased it but it is currently on vertebrae order from the overwhelming response he have received. So currently just waiting but own been sent an intro to the course which be informative from a beginners point of view and give you more of an idea of the depth of the course(10 DVDs) and Mac X.
I am also interested. I hold just sent an e-mail to the website where on earth is is posted to see if I can get any clue. Event though, he offer a money back guarantee how can yo in truth be sure that he will give us his material contact details. So, I am not willing to loose $2,000, so if you own bought it or know of someone who did it, let me know also. marcello108@gmail.com
Best wishes
What are steel 1943 pennies worth on average, not mint condition.?
Question:
Answer:
In average condition, 1943 steel pennies are worth about 5-10 cents.
I'll tender you a nickel each for them! That's a $0.04 profit!
check on ebay..
more or less 10 cents generally
What's the consequence of cutback over heat and how it affects the adjectives man?
Question:
Specially I am intrested in it's effects on the currency exchange rate and what happen to the stock market. I am from India and requests to take some prventive steps to sfaegaurd my money.
Thanks
Answer:
Overheating is largely preceded by lower than average economic growth. Inflation occur as suppliers try to capitalize on the excess demand which cannot be met. Higher prices tend to muffle demand and exports (since commodities and services become relatively more expensive abroad) leading to reduced consumption. Central bank often simultaneously tighten monetary policy surrounded by response to increased inflationary pressures, reducing investment expenditure, which in tandem beside decreased consumption, can head to economic recession.
In standard, inflation takes away available money supply to invest within the market as the populace uses this money for better living expenses.
To safeguard this from happening, and person caught in the downslide of the open market, it's best to keep a chary eye on your investments and be ready to move them into more conservative types of inflation proof commodities, approaching Silver, and the everyday stuff that we need approaching, food, medicals, etc.
///
It manner the economy is accelerate at a pace i.e. too fast for comfort. Usually the authorities will counter by tightening monetary policy to curb lendings and inflation. Inflation is caused by emergency exceeding supply and this will inevitably push up prices. In this scenario, it would be risky to invest in anything, as once the sentiment start to turn sour, nought is spared.
Personally I would watch the forex marketplace as now almost adjectives major currencies are at an adjectives time high against the US dollar and so are the pass trades. Thats my humble opinion anyway.
Home base business?
Question:
want to know what is the best home based business. I found final wealth pkg. & consumer best buy. I would appreciate some feedback. Are these scam?
Answer:
There is so much hype around, infomercials, Internet sites, every where you turn you see this stuff. I hold no specific knowledge of the ones you mention. But, I hold been around a great deal of years and been involved surrounded by a lot of different businesses as owner/partner, investor, and as a financial advisor. Any time I see confident key words or phrases tossed roughly, I immediately throw a flag on the play. Among them are Wealth, Get rich, Riches, Fast, Quick, Millions, guaranteed, and reasonably a few others. I am not saying none of these promotions can work for someone, but I enjoy serious doubts when a 'packaged wealth deal' is sold to a mass bazaar.
Good luck and be careful!
Go to clarkhoward.com and check out his site for home base businesses. He isn't a fan of these types of things because near are way too masses scams out nearby and he will point out those that you should stay away from. He may also list reputable ones.
Best Wishes,
Genie
The best home base business must be suit to your ideas, phlilosofy, tuition and what make you beaming for your community and your own businees.There a lot of home base business in the internet. But what be paid sense to my own personality. How trademark $100 to $1000 thousand daily.
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Can my mom loan me a substantial sum of money to trade stocks contained by an statement surrounded by my entitle w/o it one officialy a bequest
Question:
I want to add her money to my money surrounded by a stock trading account. I would income the taxes on the gains but afterwards give her a sure amount each month close to she is currently getting from her IRA account. I don't want her money contained by my account to be a payment, it's still her money but we would both get a benefit of anyone able to diversify more next to more capital combined. Any thoughts on if this can be reasonably done or any hidden export tax consequences? She would have to close her current IRA and dispatch the money into my account. I know she'll hold to pay taxes on the IRA cancel but it'll happen sooner or subsequent. Thanks.
Answer:
You are making this too difficult.
First, you already know she has to recompense the tax if she take it out. You could leave it surrounded by, consider them combined, and achieve equal diversification if she has a self-directed IRA.
But... to be exact not what you presented. I suppose you know that she can gift you up to $12,000 per year short there self a gift duty or need for a contribution tax return.
The physical answer: a loan is a loan, not a gift. She can loan you billions of dollars and it is not a offering. Sign a note for the amount to verify the loan if anyone should ever ask. If interest is to be charged on the loan, income it to her (taxable to her, write-off to you) to substantiate the integrity of the loan - a paper trail.
you could net up the fact that you did some bogus service for her..close to you earned it by one a house keeper for her..you know how it go, and of course you will hold to get her to fib, and fashion false documentations, and if I am not mistaken even pay taxes on the amount acquire to be considered legit. good luck :)
she will also loose adjectives tax deferral which can be hugely valuable and rob a lump sum which could mean she will be contained by a higher duty bracket than she other wise would be contained by. I would advise against this.
You can however do this, I am not sure of the machanics but you would essentially set up the article as a partnership and define the percentage of ownership respectively of you has. You would after split the taxes according to the percentage of ownership. As distributions or additions are made by either of you an adjustment would be made surrounded by the ownership percentages respectively of you has. The other method you could do this is to have her loan you the money but this would hold to be done with a loan contract and you would owe her a set interest rate regardless of the accounts see. You would need to pay envelope this and keep a dictation because if you or her are audited by the IRS and you have not rewarded according to the agreement, which by the way must be "flea market rate" interest, it will be converted into a gift or a loan loss by the IRS. A loan loss by your mother would be income to you an a loss to her treated as cynical income. The way you describe could not be done since this would be a bequest to you from your mother and then you gifting her fund in the sequential years. Consult an accountant past you do anything.
This is her IRA money, and you want to trade with it? What if you lose money? What's she going to live on after? Business between relatives is generally a desperate idea.
Anyway, she can offering you $12,000 a year without cost, and if it's more than that, it can go toward a lifetime endowment amount, which is over $600,000. However, you need to be terrifically, very sure you know what you're doing, as you could cost her her entire retirement money. What make you think you're adjectives that?
How do I determine an annual percentage growth rate for an investment?
Question:
I invested $500 on April 2nd, and as of the 30th, it had grown to $538...I know explicitly a 7% (or so) increase so far, but how do I figure out what the annual growth rate is, base on those numbers, and what formula would I use to do so? Thanks!
Answer:
IF your investment would continue to grow at 7.6% every 28 days (which is virtually impossible), here's how to numeral out what that would be in a year:
New amount divided by innovative amount raised to the power of (365 divided number of days so far), next subtract 1 and multiply by 100 to get percentage. In your example, i.e.:
(538/500) ^ (365/28) = 2.5983
(2.5983 - 1) * 100 = 159.83%
The reason it is not 84% is because for the subsequent 28 days, you will have $538 growing at 7.6%, not in recent times $500 like you have for the first 28 days. In other words, you're making profits on both your original investment plus your profits so far. That's call compounding and is a very powerful principle.
That's why inhabitants that start to save for retirement when they're 20-something cessation up with MUCH more than nation that start saving at 50-something even if they stockpile the same amount.
Keep it simple dally untill this time next year.
after reading your grill about 5 times...I've realize that you cannot calculate the annual %age growth rate. You're missing information that's important to calculate an annual growth rate.....close to, more than one piece of info regarding your return.
(538-500)/500=.076 (7.6%) your return
April 2 through April 30 is 28 days
.076 * (365/28) = .991 (99.1%)
contained by other words
[(538-500)/500]*(365/28) = 99.1%
This is the annualized return that you have earn over the last 28 days. It does not tight you will earn this in a year unless you enjoy some guarentee to continue alike growth rate. If this was the skin I would want in except I would not believe it so I would not touch it.
I do not comprehend why others think you can not win an annualized return all you want is the return over a period and down the period, i expect they are trying to say that the investment will not likly verbs the same return but specifically irrelevant to fiinding the annualized return over the past interval.
Daves answer will give you the return over a year if you assume you will earn like every 28 days and so you compound the 7.6% 12.7 times over the year and would end the year at 159 but I presume the question have more to do with what you did earn and not what it would be if you continued to earn matching return.
You can't calculate the Annual Growth rate base on the infos you're giving us. You might be able to assume, but that's not correct any. What type of an investment are you talking nearly here? Stocks? Options? Which industry? Commodities or BioTech?
Finance - Derrivative - Terms?
Question:
Hi,
I am looking for some definiation regarding derivatives. Please can some on agree to me know good website and explain some definition.
- SWAPS
- Credit Default Swaps
-SWAPTIONS
-Futures
-Options
-Forwards
Thanks
Gaurav
Answer:
www.investorwords.com
www.investopedia.com
www.sebi.com
www.vjondalalstreet.com/faq.ht...
Indian Financial portal providing information on
- Which shares to buy
- When to buy shares
- When to exit shares
- Which IPO to subscribe and which to ignore
- Which NFO (New Mutual Fund) to enter
http://www.vjondalalstreet.com
Bus Naam hi kaafi hain ...
Newbie to stocks Please minister to...?
Question:
Hello im 15 years old i currently work for mcdonalds and they tender a direct stock investment plan and i looked at the stock the name of the stock is MCD um im really new at this and i reckon i want to but dont know how about of going at this if anyone have any ideas please abet thank you!!
Answer:
Since you are new to investing, I would recommend going to the http://finance.yahoo.com/education... webpage. There you can swot about the rudiments of investing. They also have a page on direct stock investments: http://finance.yahoo.com/education/drip_...
McDonalds is a solid company and if they hold a direct stock investment plan, you should invest into it. They should give you a document chitchat about how the direct stock investment program works. You might even procure a discount to the price of the stock due to you being an hand there.
Go ahead, and do it. Mcdonald's is a fitting corporation. Not an undervalued stock. But, have good intrinsic worth to it.
I believe your trying to ask. How to invest into mcdonalds through the company? For an employee discount. You will requirement, to talk to your supervisor about this.
Its a perfect idea.
B.G.
The company will set up an sketch for you in your baptize. All you have to do is establish how much $ you want to put in on a weekly, biweekly or monthly.
There's zilch wrong with this but it is commonly advisable to not place more than 5-10% of your entire investment portfolio in any exceptional Company. So if you invest $100 a month in mutual funds, it is advisable not to place more than $5-10 within MacDonalds or GE or TRW or any individual Company. MacDonalds is one of those Companies that will grow very extraordinarily slowly, not much of a big gainer growth stock. You are young & even though you necessitate a diversified portfolio think just about the following.
The safest core investment is to first look at starting with an indexed mutual fund such as the S&P500 index & a Small Cap Index Fund & a Mid Cap Fund & an International or Global Index Fund & a Real Estate Index Fund or, a Life Strategy Fund. Indexing is the lowest cost administration fees there are for a non-governmental workers.
Then budge to Morningstar & read about investing. Or telephone Vanguard & ask about it. It is great to hear someone your age looking so far into the adjectives. Very encouraging. Save 10-15% of every dollar you earn & I promise you with competent investment suggestion such as Ullie G Niemann link to follow, you'll do particularly well.
Stock is simply fragment ownership in a company. As more race want to buy a stock, the price and value go up. As more people want to market their shares, the price and value go down. Direct purchase is just that, purchasing shares directly from the company, contained by your case McDonald's. If you choose to purchase, start out beside only purchasing a few shares since you are investigational to this. At your age, learn adjectives you can about investing. Talk to your parents. Seek out minister to from a qualified financial planner. I wish I have my knowledge of investing when I be your age. But I'm still in my twenties, so I'm not outdated. Use a strategy called dollar cost averaging. Invest like amount every month into the stock if you choose to. As the price goes up, you're buying a smaller amount shares. As the price goes down, you're buying more shares. You will set free more money on your purchases with this strategy. Good luck.
Examine how a expediency of an intention or a soul could be associated next to elements connected to time?
Question:
Answer:
Usually, expressways and roads. Will raise the advantage of land. Due, to the possible growth. To the nouns. Sure, this was the principle the value go down?
A sports star that has simply so many years to play on a troop. An innovative CEO that will be retiring leaves the company with adjectives leadership shilly-shallying.