John Roberts have $42,180.53 surrounded by a brokerage narrative,?
Question:
John Roberts has $42,180.53 within a brokerage account, and he plans to contribute an second $5,000 to the account at the cease of every year. The brokerage account have an expected annual return of 12 percent. If John’s goal is to add $250,000 in the justification, how many years will it purloin for John to reach his aspiration?
Answer:
12 years
1 $42,180.53 12% $5,000.00
2 $52,242.19
3 $63,511.26
4 $76,132.61
5 $90,268.52
6 $106,100.74
7 $123,832.83
8 $143,692.77
9 $165,935.90
10 $190,848.21
11 $218,750.00
12 $250,000.00
13 $285,000.00
This sounds like a ask for the education booth of RunEye.com
Assuming the 5000 were put within every 12 months, it would take 112.5 months...
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042180.53506.1663642686.69636
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106226876.52552722.51830622959...
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109240142.48312881.70979824302...
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113251878.47033022.54164325490...
The answer is 11 years. The final expediency at the end of the 11th year is $249,999.99.
Take out your HP-12cs everyone and follow me.
42,180.53 -PV
5000 - PMT
12 - i
11 - n
FV = 249,999.99
How long would it lift to double one hundred dollars at 6.5% interest?
Question:
Answer:
divide 72 by the interest rate (6.5 as a whole number) the answer is the number of years. = 11 +
How habitually is the interest compounded? That's crucial to finding the answer.
Assuming standard compounding annually:
12 years
after 1 year : $106.5
2: $113.4
3: $120.8
4: $128.6
5: $137.0
6: $145.9
7: $155.4
8: $165.5
9: $176.3
10: $187.7
11: $199.9
12: $121.9
if it is an annual interest rate then approximately 7 years 7 afternoon 29 minutes
go here to find out how to figure
http://en.wikipedia.org/wiki/rule_of_72...
approximately 11 years.
It will not take more than 12 yr to double $100.00 at 6.5%. I could not supply the exact yr and month bec it was taking lot of time.
Assuming ANNUAL compounding the time it would pilfer to double ANY anmount at that rate is...
log(2) / log(1.065).... using a log to ANY mutually common underneath.
11 years assuming compounding interest.
$100 @ 6.5%
Easy rule of thumb is divide 72 by the rate of interest and that is how long your money take to double.
72 / 6.5 = 11.077 years
I want to know the difference between love and fluctuation?
Question:
Answer:
ROTFL
Sorry, no offense, But I laughed me director off when I saw this sound out.
"love" and "fluctuation" - ooh that is funny!!
Do you aim Infatuation?
Love is "priority"
Infatuation is "Option"
Independent financial advisors - rip past its sell-by date or worth their cost?
Question:
I have other used the services of IFAs in the UK, but after 10 years the money I hold invested is not worth much more than what I have put within (i.e. no growth). I have considered moving to a tentative IFA, but they want lb2000 in fees and consequently charge a % of holdings per year for management. Is this worth it, or am I better lately selecting funds from "best buy" table in reporters myself? Thanks.
Answer:
If you get a flawless one, hang onto him or her. But it seem as though you've not had right ones, and after 10 years you have developed ample financial education to work things out for yourself. I'd vote definitely do your own investment research - I one-sidedly swear by the Guardian Money Section on Saturdays - but there are probably other papers. There have rarely be a financial issue I've not understood from reading it, although I do sometimes own to read the article twice !
going by their lifestyles,thay are a rip off,i know one.
Go to www.suzeorman.com or keep under surveillance her show on CNBC (if you get it there). I believe she say if they immediately update you what their take is, afterwards they are not a good one to stir with. But she have some good info on her site. You might consider finding one of her books at the library too. She's a financial advisor herself, but offer her info for free via her website, show, and books (if you check them out instead of buying them).
I guess it's the luck of the draw. I had one for 10 years who earn his money through commission on products he sold me. Recently he told me that he wanted to amend the way he earn his money, and charge fees up front, and I would receive a better more personal service.
I took that as confirmation that he gave me crap service for a long time, and be only interested surrounded by the sales commission and not really interested contained by reviewing my policies and needs.
This made me look for another IFA and I found one that seem good so far and have told me that he will review my pension portfolio on an annual font to ensure that the allocations to different funds are appropriate.
This is what I call a significance added service and is what my old advisor did not do. Whether or not the unusual guy is any good remains to be see, but I'm willing to agree to him try as he was a guidance from a friend
My approach to investment, if I had the time, would be to stock pick myself. You gotta enjoy the nerve to do this though. So much easier to put it near a big mutual and let them convey you a statement annually. But this will mean you enjoy little control over your money and you get charged loads for a rubbish actions.
I should agree with you that you should see some growth contained by 10 years. On other side I think you enjoy waited too long to variety move. Most will move if they don't see any growth in year or two.
There are two problems contained by this industry. 1st customers are greedy and wants maximum return in need understanding the risk. 2nd is more crooks than honest professional surrounded by financial industry. And 3rd is media who shows big pictures on stock tips and small investor think financial magazines are 'THE BIBLE' to become rich!
I worked as financial planner for years. Financial professional analyze bazaar much different way consequently most others. Problem is customer thinks that financial professional have a magic to formulate money grow! (if they do, they won't be working!) It doesn't happen that path. FA helps you select the best vehicle to receive your money grow with lowering the overall risk, reducing due liability, however FA can't predict uncertainty resembling 9-11 or natural disasters.
I would suggest you to procure some references formerly selecting fresh FA.
It depends on the person. If they are charging you up front it is a rip sour, there is no track they can justify that. the % per year should show that you are in an advisory platform, so it is cheaper to place trades. It help if you trade a lot but not if you buy a couple stocks and move them for years. Sounds like whoever you be talking to be a scam artist though, trying to get your money up front lacking doing anything. and your old IFA probably invested you abundantly in tech stocks since the crash and has be trying to dig final out. But really this question is approaching asking if you should buy from a used car salesman, it depends on the salesman, could be a large amount, or you could lose a lot of money.
Also: Financial advisors enjoy nothing to do near taxes and are not certified to give due advice, so discount that comment. And a financial advisor is not a fund manager, the theory of a financial advisor is to put you into the kinds of investments that are right for you base on timeline, risk aversion, and the market. Unless you spend adjectives your time researching these things (not to mention getting a degree and certifications) within is no way you are going to know as much more or less what is suitable for you as someone who does it for a living every single day.
try this site for tips and know how..
www.bestinvest.co.uk
adjectives the best!
They are a huge rip off. Only progress to them for complicated tax situations beside which you are not familiar. For straight forward investments the double blanket of charges will kill you. Use your adjectives sense, like I do. Academic research have shown repeatedly that 80% of fund managers do not hammer the index.
I received a invitation from a big firm of IFAs, to invest in a test of UT supervised them and when I calculated the long term effect of the total charges (which be well concealed), I could not believe my eyes. I can make a contribution you more info on this if you want.
i work for a company which is savings and investments. and from my time in that the IFA are better than the FA's simply because FA's are paid a set amount of money, so if you're money isnt doing powerfully it doesnt matter to them end in there still getting rewarded.The IFAs tend to do more work because they are working commission, so if you're funds dont do well neither do they. HOWEVER, i catch numerous amounts of calls a light of day from FAs and IFAs asking ME what to tell the customer and which product is performing the best. Most of the FAs and IFA dont in fact know a great deal give or take a few what they are selling, and thats what worries me the most. They can perform the speeches within your dinning room, because its rehearsed, and it may seem overwhelming and glitzy.. but really.. its not!!
What are 4 push button elements of a pious corporate strategy that could create substantial shareholder attraction?
Question:
Answer:
1. Find a niche or specialty where in that is little to no competition and produce products or services that fill that blankness
2. Develop or acquire valuable assets such as Intellectual Property, inimitable products, etc.
3. Hire strong, experienced talent at key positions
4. Make sure you own effective, standard sales empire and strategies
How to analyse of mutual fund ?in the region of their risk , returns etc?
Question:
Answer:
If you are asking particularly something like Indian mutual funds, go to this site. They hold some very accurate information.
http://www.valueresearchonline.com/funds...
Look at for example HDFC equity
http://www.valueresearchonline.com/funds...
Notice the trailing returns and how they compare to the category average. For this fund they are better. That is a good sign.
Next perceive their top holdings. For this particular fund, the top 5 rationalization for better than 25% of the portfolio. That is not too good from a risk standpoint. The diversity is questionable. Notice that it is rate 5 stars. That is the highest rating for returns and indeed this fund have a very glorious historical return.
Next go to Investment details to see how you invest within the fund and what the minimum investment is.
http://www.valueresearchonline.com/funds...
Next read the analyst review.
http://www.valueresearchonline.com/funds...
Use morningstar it's the industry standard. Even on yahoo finance if you click the risk tab it will make clear to you the rating and the risk.
Wil the group gaming share price increase?
Question:
Answer:
I think this would be a suitable speculative stock. Since, the U.S. may start regulating online gaming. Which they are looking into. Then party poker will start accepting american players, again.
-------
Nathan
http://oureconomics.blogspot.com/...
Definitions of "blank stock"?
Question:
it is about interior design major~
please assist me to find the definition!
thanks
Answer:
I don't conjecture this is an investing question - if for interior design through, I'll bet 'blank stock' refers to the characteristics of materials used in design, not 'stock' contained by the investing sense. If I were you I would repost this contained by a different category. I've been investing for years and own never heard this possession applied to investing.
What if i have 100thousand $ to invest?
Question:
what could i do with this money? it be inherited to me i have need of to get it out of the dune and put it to work so i can get some intrest out of it...i be thinking of becoming a loan shark...lol jp any sugestions? please HELP....
Answer:
http://www.hsbcusa.com/?wt.srch=1...
Has an on-line account that pays 5%. A worthy place to put your money while you decide on the proper investment.
Add on after seeing your age surrounded by profile.
Give yourself 6 months pay surrounded by an account that you can access within an emergency that is separate from your checking so you never see it. Like the one I planned above.
Put the max into a Roth IRA that you can for this year. I would suggest investing a low cost index fund.
Put the rest into savings bonds that are spaced out so that you will hold enough for a max contribution to your Roth IRA every year until the money is fully invested. Or make tracks it in a 5% or better wall account if you trust yourself to not use it.
An investment guru is a good entry but can be expensive.
You work at a bank. Ask an investment councilor nearby for some free advise.
I resembling S and P 500 index funds because historically they beat most mutual funds and cost smaller amount to have manage.
You can just sympathetic up a Roth IRA account surrounded by Ameritrade or the like and place your own directives.
You can blow your 100k right now or you can hold over a million when you are 50. What you do now WILL affect the rest of your vivacity.
Get professional guidance. Look for a planner with the CFP designation within your area. A professional financial planner will be a much better resource for you than anonymous ancestors on a message board. That's too much of a windfall to squander away.
Dude, be careful for one article
Don't start playing Poker or an crap like that. Do what you hold a passion for and you should profit from it. Real Estate is a upright investment in the right areas. look into foreclosure properties.
The best entity you could do would be to buy government levy lien certificates. They are 0 risk and enjoy huge rates of return.
http://bstsystems.taxliens1.hop.clickban...
or Here's a page for finding a good righteous mutual fund to invest in:
http://www.best-stock-trading-systems.co...
or nouns real estate deal that other people find. They do adjectives the work, all you do is provide the money, and you split the profits.
Why does pacific ethanol stock verbs to plummet when they are a generous producer?
Question:
Answer:
The basic bazaar issue is supply and demand. Many race produce ethanol but where can you buy it? Name 3 through distributors of ethanol. Right, neither can I. All the supply in the world process nothing minus demand. Until emergency grows and some major distributors come on the train prices will remain low and therefore the stock price will also remain low. Recently a report indicated that ethanol wasn't so "green" after adjectives and that might also play into it.
I dont know about long residence losses but in the finishing few weeks ethanol stocks took a hit when scientific studies showed that ethanol if truth be told releases more harmful pollution next regular fuels.
I believe one of the reasons is that everyone have discovered that the corn that everyone was planning to brand name ethanol from is going to be in short supply and that the price of that ingredient is going to gross the cost of producing ethanol uneconomical. Heck it was uneconomical since the price of corn increased. The entire process is uneconomical. Sort of another government boondoggle.
Just to supply to what the others have mentioned - Corn is pretty a poor commodity for producing ethanol, that means alot of corn is needed to produce for a moment ethanol. That will probably drive up the price of corn and the company will have to earnings more for it, thus eating into their profits. And they probably will not be capable of raise the price of ethanol too much because if the price is too big, people will be looking for other sources of fuel (or energy).
http://smokingflax.blogspot.com...
How to trade name 1 million dollars within 2 days?
Question:
Answer:
Put 5 million into the stock market.
Invest 4 billion dollars within INGDirect's high concede savings explanation
crayola and paper
ask everyone contained by your state to give you 1 dollar and you would own more than a million
Start out with 10 million dollars and earn almost 17.82% APR compounded daily.
or
20 million dollars compounded day by day at 9.01% APR.
It takes money to form money.
Well lets see justifiably you could win the lottery but thats what a million in one prospect. Illegally I am sure there are abundantly of other ways but then you woul stop up in sentence to prison and what fun would a million dollars be when you are locked up.
If u become popular like an American Idol or K-Fed.
Rob a edge.
However, I don't recommend it.
Find a home that is worth $5 million who is predisposed to sell it for $4 million. Then find an investor who is liable to put up the $4 million. Then find a buyer who will buy it for $5 million. Good luck doing all of that within 2 days though, but its possible. There are investors doing this, but generally not that hasty.
Jeff
http://www.best-stock-trading-systems.co...
Go rob in the dune!!
^_^
You have to start beside more money
Use a slow printing press.
(and hope the IRS can't track you down)
How do I squirrel away money?
Question:
Answer:
Don't spend it.
Don't spend 15% atleast of your income, see it as a way of paying yourself. You can after make your money progress to work for you over time by putting it into Stocks, CDs, and eventually property.
spend less than you brand
You stop buying things that depreciate and start buying things that appreciate. Read "Rich dad poor dad"
Jeff
http://www.best-stock-trading-systems.co...
Cost free method or a website for international funds transferring to and from the usa ?
Question:
please be informed that foreign curriencies are involved in the international funds verbs from and to the united states respectively and so the exchange rate is also to be taken into consideration for the most economical mode of funds shuttling. It could be resembling absolutely free or approaching almost free movements to and fro for maximum savings contained by the process.
Answer:
check with a guard.
What would be a fully clad rate of return for an IRA?
Question:
Answer:
I'd say roughly speaking 8% or higher depending on what you invest surrounded by.
Talk to your financial adviser within setting you up for a long term diversified portfolio. They should hold a SET YEAR for the year you're thinking of retiring so they manage your portfolio for you. The process it works is they make a portfolio and enjoy stocks, bonds, mutual funds set aggressive and slowly goes to non aggressive as you get your retirement age.
You can also manage your own retirement portfolio if you don't want your broker to direct it for you.
Stocks are doing good right presently and the DowJIA just hit an adjectives time high of 13,136.14. There's a bunch of great companies you can invest within for the long run.
Apple, Comcast, Coke (KO), Johnson & Johnson, Amazon, Ebay and others.....
You should do some research about IRAs and investing.
Remember IRAs are a short time ago retirement accounts that are normally open for TAX PURPOSES.
2 types:
Roth IRA = grows tax free and import tax free when withdrawn.
Traditional IRA= Tax DEDUCTIBLE but taxed at retirement.
You can invest stocks, bonds, mutual funds, ETFs, money bazaar inside your IRA.
That completely depends on how much risk you are willing to pilfer. If you are risk averse, then you will probably average more or less 5%, but if you are high risk you can average 10%+ contained by the long run.
6% is decent for a concervative portfolio and someone surrounded by their 50s.
8% is good for of late about anyone.
12% is exceedingly good for someone contained by they 30s willing to nick a little risk.
>15% is outstanding.
///
Will the pubic be capable of buy delta's stocks?
Question:
Answer:
Yes. It's being bought immediately on a "when available" basis, but it won't in reality be released until I think Thursday. Delta execs are programmed to ring the closing bell at the stock exchange on Thursday, so it's expected to be fully tradeable by then.
Heh heh...you said "pubic"...