What does TOD and STA stand for?
I have an investment statement that say Joe Taxpayer TOD Minor Child Subject to STA Rules. Do you know what TOD and STA stand for?Answers:
TOD = Transfer on Death
STA = Securities Transfer Association. Find STA's guidelines on the net.
Other Answers:
Time of Death and Sexually Transmitted Aids
TOD stands for Transfer on Death i think TOD is Turd On Delivery
What is the best means of access to invest money?
Answers:
The best way to do anything yourself is to swot up something about it first. You'd be surprised at the thousands of books available on this one subject at your local library.
But most family spend more time deciding the color of their tentative car, than they do on a mutual fund advisor, for example.
Are you really wanting to do this yourself, or are you asking roughly someone who is an expert who can do it for you?
If you invest in the stock bazaar right now, or freshly buy into all the ETF's you can afford, it's a crap shoot, close to rolling the dice, and the odds are probably not within your favor, whether you have an expert fund officer or not, because mutual funds are always "in" the marketplace.
They say "Buy and Hold" for the long occupancy is better, but that depends on when you get within, and what your definiton of "long term" is.
The Dow is now approaching all-time high last see in Jan 2000, so if your long-term definition is more than seven years, next you won't mind waiting another seven years for a profit.
In my opinion, the designation of the game is wherewithal preservation. When the risks are high, close to right now, you get hold of out of the stock and bond markets and park your bread in a interest stance money market fund or disc or Treasury Bill.
This is simply not a good entry point for investors. Be tolerant, wait a few months, and you'll be capable of buy much more stock a lot cheaper, the risks will be lower (even though they will give the impression of being higher), and your chance of nouns greater.
If you wish to research the “Buy and Hold Strategy” further, or possibly trade yourself, I recommend two book titles. One is called "Which Is Better, Buy-and-Hold or Market Timing?" The other is "Do You Have What It Takes to Be a Market Timer?" They will supply you plenty to think give or take a few.
Other Answers:
Buy Real estate.
This should always be your first investment.
If you're my age, 20-40 y/o:
30% - Mutual Funds (something that can grow principal but remain fairly stable)
10% - Stocks (this will minimize your risk)
20% - IRA/401k (tax-deferred)
40% - Cash Assets, CDs, Bonds (something stable)
Source(s):
experience
Offshore forex trading fund!
Here is a great way to invest.
www prospera-fund dot com
They are invested next to several traders in stocks and FX accounts, (diversified).
There you can invest money to earn 10% a month compounded! After carrying out tests with 100.00 it works, and so I invested more, four different option, all 10% a month, "offshore investing".
Examples of compounding: 1000.00 after one year: 3130.00.
or, 200.00 after 5 years: 60,000.00
Do it, and forget it for 5 years, you'll not be repentant.
Source(s):
www.prospera-fund.com
refer. luckyrick
With my 401k, what seem to be the best investments for a better return?
Answers:
Equity mutual funds, they have averaged 13.1% rate of return for times gone by 30 years.
Other Answers:
stocks
property Stocks, preferably an index fund since most of those manager seem to underperform after taking into information their management fees.
The best answer for any small investor is the correct
"asset allocation". You (and the experts) will never know 100% of the time, what class of stocks and bonds will be in favor. Allocate correctly & you'll other be in the right place... at the right time.
Read almost "Asset Allocation" in several books and magazine. It's your best bet!
. . .Need symbols for NYSE New Highs, New Lows. . .Thanks?
Stock Market Index SymbolsAnswers:
http://www2.barchart.com left side
or
http://stockcharts.com/def/servlet/SC.scan
Other Answers:
Get the inventory here:
http://finance.yahoo.com/gainers?e=nq
Source(s):
Yahoo Finance
investing hints?
Hi! I am looking to become more educated within investing. I have to start from mark as I have be footloose and fancyfree most of my life...I'm looking for ways to coach myself about prosperous ways to invest some moola. Any suggestions of virtuous websites, books, or people to check out? I'm not a solid gambler and I am definitely socially/environmentally concerned..Answers:
here are a ton of really good books. Like investing for dummies. Start first next to learning the lingo and how to look up stocks and what their financial and stock price means and if mutual funds hold the stock you are interested contained by. Also in the commencing better to invest in mutual funds so you will be diversified.
Other Answers:
bobbrinker.com
raylucia.com
vanguard.com
I can warning you.
Here is a great way to invest.
www prospera-fund dot com
They are invested next to several traders in stocks and FX accounts, (diversified).
There you can invest money to earn 10% a month compounded! After carrying out tests with 100.00 it works, and so I invested more, four different option, all 10% a month, "offshore investing".
Examples of compounding: 1000.00 after one year: 3130.00.
or, 200.00 after 5 years: 60,000.00
Do it, and forget it for 5 years, you'll not feel sorry.
Source(s):
www.prospera-fund.com
refer. luckyrick
Here are some websites:
All Things Financial: http://allthingsfinancialblog.com/category/mutual-funds/
Bankrate: http://www.bankrate.com/brm/default.asp
Bob Brinker's MarketTimer: http://www.bobbrinker.com/
Free Money Finance: http://www.freemoneyfinance.com/
Fund Advice: http://www.fundadvice.com/
I'm positive for a down expenditure on a house, what type of an information should I keep hold of it contained by to gain interest?
Answers:
Capital One and ING offer the best high-ranking yield funds account. There is no minimum, and nearby are no fees to maintain. I purely opened one up near Capital One, and there interest rates are 4.25%. You're not going to find much better than that. With both of these accounts, you can own them linked to your checking portrayal.
Other Answers:
www.paypal.com has an excellent money souk account interest rate for funds kept surrounded by your account in that. Highest I've seen.
A money market is probably the best bet. Emigrant Direct is 4.5%
Source(s):
http://www.emigrantdirect.com/
There are two facets to this problem. First, how long until you plan to buy your house? Second, how much money do you own to invest now and how much can you set aside every month? These are essential questions to ask, because they will relay you the amount of risk that you will need to steal on to get the desired down fee. If you don't have long until you plan on buying a house and don't enjoy a lot of money save up, you will need to invest within a risky account such as a TD Waterhouse/Schwab/Morgan Stanley/whatever investment depiction to potentially increase your wealth. On the flip side, if you own a while before buying the house or almost own enough money, a lower-risk picture such as a treasury savings or money marketplace account might be better. If you can answer these question, you will have a apt idea of what you entail to do. Also remember, that if you plan on investing in a money open market or saving depiction, the interest rate differential is not very substanial and probably won't concede significantly different results.
no body can answer this question in need extra data1) your time duration how long you can lurk for your money
2) what is your risk profile what kind of risk you are ready to take
3) what characteristics of payment you will clear what i did understand from your cross-question that you will put money in different times so you have need of to determine is it every quarter for example or every month so you can see which investment is suitable for you
without giving this facts no body can give you a correct answer
What are some hot low cost stocks ?
Answers:
swtx ekcs jmih mrdg upro
Other Answers:
Look at Energy Stocks on Yahoo Finance...Then arrange them by Price while looking at the Quotes, and there are several "Penny" stocks...All should be surrounded by play later this year as we spend a fortune for gas at the pump...
Source(s):
Yahoo Finance
try FURA and HAO.v
Source(s):
http://www.bullypicks.com/
Apart from IRA, Roth IRA, what other federally insured investment option are available for investing?
Here by long term I be a sign of time frame similar to IRA, Roth IRA or a little smaller amount and not investing directly in stocks.I hold a 401(k) plan too.
Answers:
If you are looking for a federally insured plan to invest in, you can also bring into a money market, a card of deposit, or a high-yield savings information. Also, Savings Bonds and Treasury bills, but these are really long-term investments (10+ years) and the rate of return is questionable right now.
By the instrument, it is important to distinguish between investment products (ie. CD's, Money Markets) and investment plans (ie. IRAs, 401(k)s). The distinction is that the plan is the governing narrative and the product is what actually make you the money. So your plan is the 401(k) but the product might be mutual funds.
Also, look out for Federal insurance on your investment products. For example, you could have an IRA explicitly not insured if you are investing in mutual funds and a 401(k) to be precise insured if you are investing in a Money Market.
If insurance is your biggest verbs, just ask your wall or investment house whether the product you are funding is insured.
Other Answers:
IRA's and Roth IRA's are not federally insured unless you make you investments surrounded by a bank or abiding and loan where the deposits are insured up to some amount.
What city is #1 for solid estate investments?
Answers:
Atlanta
Other Answers:
Kern County; in California...check into the rocketing housing bazaar; almost doubled last 3 yrs within Bakersfield area
Arizona has affordable prices. Phoenix is a growing metropolitan city (6th largest surrounded by nation), with situation growth many immense corps moving here. San Antonio, Dallas, Houston, any metro TX area.
Marin County, California and surrounding area.
Tokyo.There's only 1 place contained by the United States where Real Estate beat the returns on S&P 500 consistently, and that is New York.
Source(s):
http://blog.explodingstocks.com
Where can I find info going on for companies that are going public?
I would like to buy freshly released stocks, but not sure where on earth I can find such listings. Also, please tell me if you cogitate it is a bad belief.Answers:
You may want to do a bit of research before you stir on this venture. Not adjectives new stocks (floats) that turn public shoot up in price the light of day they list. A lot of current floated stocks flop over. As a trader - I feel it is risky as the stock have no track record.
Also, some IPOs (initial pulic offer) are exclusive and are solely offered if you are a part of the broker i.e. a part of the IPO process.
want to know adjectives something like stock?
i want to invest my money in stocks.but i donot know what is practical done?what are the risk involved?
what perchance the profits?
can anyone plz explain me?
Answers:
I suggested you pick up some books about investing at your local library,or you can buy them. It doesn't cost much anyway. Here are couple of my favorite books.
1. How to Makes Money on Stocks: By William J. Oneil
2. One Up on Wall Street: By Peter Lynch
Educate yourself first, previously you put your hard earn money to work. Remember, don't lost a pennny.
I hope you the best!
Other Answers:
Check ameritrade.com and open an explanation. Then drop me a line.
What is the difference between an insider purchase and an non accessible flea market aquisition?
Answers:
Firstly, an insider purchase is dubious if not downright unlawful even though such purchases are often difficult for the IRS to prove. It would own to be proved beyond reasonable doubt that the purchaser have prior knowledge of the stock movement. A non-open open market acquisition could bear place after trading had closed for the daylight and is often set as a 'street transaction'. Providing the transaction was subsequently declared during the subsequent day's trading, no violation of rules would transpire.
Other Answers:
An insider purchase means that someone next to 'insider knowledge' of the company purchased shares in the company. They could own purchase the share on an exchange through a broker at fair marketplace prices.
A 'non open open market aquisition' would mean that the shares be not purchased on an exchange but rather through a private agreement between the buying and selling party.
What are the parts of a convertible entry and how do they relate to respectively other?
I am an entrepreneur seeking financing for my business and my financial advisors are suggesting a convertible note. I am still not relatively sure how they work. For example, what is a premium, how is it related to any discounts, warrents, etc. I don't need to know whether a entry is the right instrument for my business, just how they work and what the typcial vocabulary are. Thanks!Answers:
They're basically bonds but beside a lower interest rate than normal because they provide the extra convertible portion that can be turned into stock.
Think of them as giving stock but limiting the downside potential.
Other Answers:
Convertible notes can be converted to adjectives stock at the option of the lender at any time after a dependable waiting period as provided for within the debenture agreement. Think of the note as a bond beside a call resort. It allows the lender to "sell" back the memo in exchange for adjectives stock (or whatever you enjoy in the agreement) for a guaranteed price (also surrounded by the agreement). This allows the lender to have some added collateral that they have a senior claim on the assets of your firm and receive a set rate of return within the form of the interest payment, but can exercise their conversion selection if they feel that your firm have become worth more than the excercise price of the option (the bazaar value of your stock is greater than the guaranteed purchase price). In return for this substitute, the lender often will adopt a lower interest rate. Another way of saw this is that you could sell the bond (often $1,000 frontage value) for something higher than $1,000 and proposition an interest rate similar to that of other non-convertible bonds. This is called selling for a premium and can be done if you stipulation more cash right in a minute and are willing to payment more on the back back. Discounts don't really figure into this massively much and are a function of the secondary souk for fixed income securities (these do not exist for virtually any startup and won't apply to you).
In regards to the lingo, these will be negociated between you and the lender. Typically, the rule of thumb is to match to later life date of the notes next to the length on time that you entail the financing. If you have a project that you expect will closing 5 years, set the maturity date to 5 years. The conversion picking tyipcally goes into effect after a year or two, but not much longer. For interest rates, presume of bonds as mortgages since they are collateralized by specific assets in your business. Interest rates should be similar. Hope this help. Sorry for the wordiness.
i cant find any better answer from the one you v got but don't forget that you requirement to understand that you could loose your company if you didn't add it wright
Is it better to put money into a 401(k) or a Roth IRA?
Answers:
The answer depends on your current financial situation. In order to settle on which is best, you must look at the advantages/disadvantages of both.
A 401K plan allows you to contribute a portion of your income to a retirement investment plan. This is usually the plan of choice for employers who will meeting a percentage of your contribution.
A Roth IRA differs from a the 401k in that the taxes are rewarded on the funds you contribute WHEN YOU CONTRIBUTE THEM. A 401k allows you to contribute to your retirement and receive the tax break in half a shake.
That being said, if you plan to enjoy a rather soaring income when retired it might be better to contribute to a Roth IRA in demand to minimize your tax liability.
If you plan to hold a modest retirement income (the rule of thumb is usually 70% of what you make when you're 40 yrs. old) and you enjoy a higher paying opportunity, you may want to consider a 401k.
You should also consider what the employer contributes. If your employer matches your contribution to a 401k but not a Roth IRA, you may want to whip the tax hit latter and stick with the 401k. Your aim is to maximize retirement funds and minimize tax liability. In lay down to do that you need to develop a plan for your adjectives. The website I posted below may help you. Best of luck near your financial planning!
Other Answers:
Roth IRA
Roth IRA
Depends on the benefits you seek. Your employer might contest your contributions, which in essence translates to free money. Also, the contributions you get to your 401(k) are pre-tax so you would have a lower rates liability.
The only article that might be considered an advantage to a roth would be that the distributions after age 59 1/2 are tax-free. Also, you can transport tax-free distibutions after so many years if you are going to use the money for first time home-buying.
Quick rule is put into 401(k) doesn`t matter what it takes to draw from any company match, because you should never turn away free money. Then max out Roth IRA contribution because you enjoy unlimited choices for how to invest it.
But there are a million reason you might not follow the rule of thumb. A big one is don't get tied up contained by a lot of company stock or low-yield bond stuff within your 401(k). If the choices really don't give you a shot at polite returns with okay risk (and company stock is a horrendous risk no matter how solid your company looks today) you should hamper your contribution (assuming you're young ample to mostly invest in stocks). Another factor is willpower. If you blow the $4,000 IRA contribution on a time off, you're better off maxing out the 401(k) and forgetting in the region of the Roth IRA.
Hands down 401k. would you say no to someone if they told you they would relief you save for retirement? It's free money your employer is offering...you'd be crazy to not purloin advantage of this. If your employer is offering a 6% contest then progress the whole 6%...it's free money to you. In combination to the benefits of your employer contributing to your retirement you also get the benefit of toll deferral. Have someone in your nouns show you how fast your money will grow within that situation...it will blow your mind.
What would be the indication of a publicly traded company near a payout ratio over 100%?
Answers:
Like mentioned above, cash flow can exceed EPS. The other travel case occurs surrounded by a MSFT situation where the firm requests to lower its cash holdings and pays the money out surrounded by the form of dividends.
More likely, the firm is hearty if it's confident enough to pay cheque out 100+% because it's a very discouraging idea to lower dividends. Wall Street tank the price of any stock that does so, more than the price went up when the company announced the dividends. Most companies know this, so they're most expected not going to offer a high-ranking dividend unless they're confident they can pay it out, which lead to the inference that the company is doing well.
Other Answers:
If the Dividend is larger than the Earnings per Share
dividends come from the actual cash that a company generate. Net income (or earnings per share) is NOT how much change a company generates. There may be tons non-cash expenses included in web income, such as depreciation, ammortization, non-cash interest, etc. So cashflow will typically be higher than lattice income (but not always).
A higher payout ratio could be upright or bad.. depends on the situation. If it's too lofty, it could be in exposure of being cut within the future if the company isn't generate enough dosh to support it. This is not sustainable over the long term. Look at a normalize payout ratio for 5-10 (or more) years. TWA did something like this put a bet on in the 80's I focus. What they did was to lug on a huge amount of debt and pay out huge dividends to its share holders to counter a hostile capture bid. Kind of similar to a poison pill technique.
So it is possible for a very short interval of time to payout more than 100% of earnings. Rules on dividend payments swing by state, but typically you cannot payout so much in dividends that the company become insolvent.