Do you still frequent bank? or do you do everything online?
Question:
I know a lot of relations that dont frequent banks anymore, they usually do money transfers online, get payments online, have direct deposit, buy money information elsewhere. Are you like this?
Answer:
lol i a moment ago notice i havent step on the wall in almost 3 years i do adjectives my transactions online i dont wana stand there 20-45 min simply for a transaction or deposit money :P
I use credit unions and win interest on my money. Only the water department and my proprietor still don't have on-line settle.
yup more so now than 5 years ago. Techlogy is great, isn't it?
Help!!me!?
Question:
ABC company determines that sales will rise from $300,000 to $500,000 subsequent year. Spontaneous assets are 70% of sales and spontaneous liability are 30% of sales. BHS have a 10% profit margin and a 40% dividend payout ratio. What is the height of required new funds?
A)$50,000
B)$20,000
C)$100,000
D)BHS is surrounded by balance and no bright funds are needed.
Answer:
Go to homework help.
My friend desires to trade next to me. Is it a gala concord??
Question:
She said she will give me 10 bottled fire faeries and 4 Lu Codestones for 1 500 Dubloon Coin. Should I generate the trade or am I being scammed?
Answer:
Hellooooo? A 500Dubloon coin is worth approx 800,000 Neopoints! Bottled fearies and codestones are worth I don`t know 5000 nps each 14x 5000 doesn't even come close to self worth it. Say no!
Um What?
Go to the shops and see how much fire faeries and Lu codstones and dubloons are selling for. Figure out the difference. I think it sounds pretty f¨ēte.
Huh?
Bottled faeries can be bought and sold for roughly 3000 to 5000 neopoints.
So if you are getting that and the additional 4 Lu Codestone, I would enunciate it would be fair as long as you can trade it stale later.
Last few month i deposit money surrounded by lic souk plus plan so can i see my accont?
Question:
L.I.C india
Answer:
Create your login at http://www.licindia.com/newuserregistrat...
You can check "next premium due" by entering policy no. or use "enrol for clean policy" and you will get your policy details.
Please look in http://www.licindia.com/registration.htm... before registering. Read the instructions sensibly.
Sir
You can go to our portal, ie, licindia.com
And register yourself in attendance
then you will get hold of all your information at hand
If you just want to know the significance of your investments, you can just shift to the NAVs page
Then multiply the number of units within your account(stated in your bond) by the NAV
That will be your fund worth. However, there may be slight variation due to administration and policy charges.
You may also consider walking contained by into any LIC office and appropriate a status report by telling your policy number here
Hope this information helps you
Where did Bijlmerdeef 785 1103 TA situated contained by Amsterdam, the netherlands.?
Question:
actually i hold got information that the wall name "asset means trust nv" head organization is situated in bijlmerdeef 785 1103 TA within amsterdam, the netherlands. i have get email information by staatlotterij from amsterdam , the netherlands that i have won 1000000 euro . because of smaller amount idea something like foreign banking i hold huge amount to the paying bank i.e. asset funds trust nv , but still i have not get my fund of 1000000 euro. i think the foreign verbs director of asset capital trust nv hill is making fool day by year. now my kinfolk situation has become worst and worst. inspite of giving guarantee to me he has not did his charge. i have also borrowed money from my friends, but i am not competent to return their money yet. so benevolently send me the location within amsterdam that i have asked above. i shall outstandingly grateful to you? thanking you.
Answer:
Use: www.mappy.com
how does a Flex Savings /Cafeteria 125 Plan work?
Question:
I understand you put money within and you can use it for Daycare and or Medical Bills. But how do you get the money out and since it is pretax when you put it contained by do you get tax when you take it out?
Answer:
A Flex Saving justification is an accounting trick. You voluntarily take a cut surrounded by pay of some amount, speak $50/month. The company puts that in an information, and then pays your medical expenses (or someother expenses) from the story for you. Effectively you get those expenses covered levy free.
To make it pleasing to the IRS, the money can not be returned to you at the end of the year if you don't use it. So it's "use it or lose it". But it's natural to plan ahead and buy a new twosome of glasses or turn to the dentist in December.
They do not duty you when you take them out. But if you enjoy not used adjectives of it in equal yr you put them, you end up loosing the rest of what you used. So you inevitability to have a honest idea of how you necessitate to put in flex stash.
Checking Account?
Question:
I am 17 years old and i want to open a checking/ money account to budget myself. My permissible guardian will not open an article for me, but one of my friends from work, who is in her 30's, have offered to open it for me. Can she interested the account for me or does my endorsed guardian have to do it?
Answer:
should never spread out an account beside anyone unless your married to them, or they're already responsible for you ( your guardian ) see if you can open a funds account by yourself, or if you can't, your guardian might be more supportive of a moment ago a straight checking account beside a debit card, so you can get used to using plastic short an actual credit card. that way near isn't any problems overcharging. when the money's gone, it's gone. you'll learn what quality of consumer ou'll be without risking your financial robustness. good luck!
Don't agree to your friend co-sign for you because she has rights to repeal money from your account too.
Just lurk or get your officially recognized guardian to do open it for you.
Your "friend" within their 30's either lacks correct judgement (by choosing to by-pass your guardian) or has some plan that won't be right for you. Either way. keep on till you're of age!
If you live in the US, adjectives you need to plain an account is your social surety number and enough money for the initial deposit.
Open the picture yourself and be sure to look for a bank that doesn't charge you any monthly looking after fees. Might take a short time looking around, but it is worth it.
You do *not* need a checking/savings information in direct to budget yourself. I would just hang about another few months until you're 18 and get an justification in your baptize only... but I would suggest that you use a debit card formerly touching a credit card because having $XXX or $X,XXX constrict can be VERY tempting and can smoothly get you into debt.
If you're interested contained by learning how to budget, you could start by using Microsoft Excel by using formula nouns to see how much you should allocate for XYZ item or just by entering contained by your purchase names and amounts. I hope this help, even if it isn't the answer you're looking for.
By the way, to the other poster, the canon is that you must be at least 18 to embark on a bank commentary in your describe because you must be able to be held to a contract. Otherwise, you could rack up overdraft fees willy-nilly and not hold to worry more or less it because the bank couldn't enforce the agreement that you'd settle up those fees. A joint tale can include a minor because the adult agrees to be held to what charges the minor make as well as their own.
I'm 26 w/a house.Min $1,000 within checking and $4,000 within hoard. Where else & how much should I enjoy elsewhere?
Question:
I have a 403B plan at work. How else should I allocate my money and how much should I hold in my checking and money accounts? I'm about to switch some of my money to a Money market sketch which has a 5.05% APR. What do you guys suggest? Serious answers with the sole purpose please!
Answer:
You're miles ahead of many 26 y.o I business with everyday.
You're on the right track.
Roth IRA is worth checking into. You MUST own some equity in your approach to building riches. The rough formula is: 100 minus your age is the % that should be in stocks. As you return with older, your exposure to stocks diminish and the remainder step into fixed investments..Do this adjustment once a year.
If you have $5,000 at this age...merely contribute $50 a month for the next 10 years and do nought further, no contribution. STOP. Don't touch that money, no matter what. You will see the power of compounding doing miracles and by the time you are 65 you would hold close to $1million.
Invest perhaps for an rash retirement. Roth IRA would be worth checking into...
Or the devil in me say, have fun and jamboree. Take trips, date strange guys, live the high life span..
Set up an auto invest every month in any mutual funds or stocks. You will be surprised how much you save for a wet day!
PS Stick to index funds while you capture started.
Why don't you share a little for charity? little finances a lot for dependent people and you're blessed out of a million for have fortune you enjoyed. There's nil sweeter than to see those misfortune people smile at you of your kind-heartedness...deep surrounded by their heart
Do you have a budget?.
If your credit cards are not remunerated off, focus on getting out of credit card debt.
Then any extra money verbs to put it in hoard account or money flea market account until you enjoy 6 months of expenses saved up.
Then max out your 403b and afterwards do a Roth IRA.
Good to know you have those information in your accounts, though it would be biddable to know how long it has taken you to grow it. That aside, I hope you are following the golden rule of saving at most minuscule 10% or better still more of your earnings per month. With the average inflation rate till november individual ~3.3% a rate of 5.05% on your Money Market Account really means your money will produce [5.05-3.3=1.75]%- still sounds fine if the risk is zero.
I could not push for further because you havent stated your objectives, are you planning to be very loaded, or a do you want to accumulate a consistent amount of money within a guaranteed timeframe, specify.
If you be going to spend a million dollars on a house and sports car, what sort of house, what sports car, and?
Question:
where would the house be?
You are solitary buying one house and one car.
Answer:
db9 and i would live within it as well
greenhouse,
brooklands green mini,
parkhead. :)
I assume USA. You did not utter which country.
Suggestion: Denver, CO. Fastest growing city. $700K.
Lexus. Keep for the next 10 years. Buy a 1 or 2 year dated well maintain car to shave bad some $6 to $10K of the price. $50K
$250K in stocks, bonds surrounded by the ratio of 70%, 20%, and 10% in brass for emergencies. Just put your foot up, lean back on your graceful chair, lock your hand behind your go before, watch the birds sing within your back courtyard.
How old are you anyways? If you are outstandingly young, you will be bored out of your wits. If you are hoary, you will enjoy adjectives the things this life have to offer. In any case, find a slice time job otherwise you will stir cookoo bananas.
A small castle in Scotland and a BMW X5 jeep
A two bedroom flat within Belgravia (I'd probably end up owing some as $1mm won't do it). I don't inevitability a car, freshly got a brand latest one.
invest in the tangible estate market surrounded by developing nations resembling india or china or those in europe that are entering the EU . I can give support to you in suitcase of real estate investment within india ,provided your investment amount is less than 500,000 USD.
If the investment is more than 500,000 later in india at hand is a lot of bureauracy which i will be falling into and that make delay surrounded by paying back the money which i don't want anymore.
I invest within real estate parkland devlopment and return the ROI of 15% to my investors .
But if you are interested in investing more than 500,000 you hold to take resort to a big corporation .For more information write at kishaloy_bhowmick@yahoo.com
regard,
kish
What may be the best agency to invest $120,000 for 18 months?
Question:
Answer:
Separate it into four sums and get four certificate of deposit at the highest interst you can find, respectively one maturing like this:
within 3 months, 6 months, 12 months, and 18 months.
It is not such a large amount that you could win away with a riskier investment resembling stocks. You can't afford to lose any.
by getting 4 CD's instead of one, they mature at different times and you can roll them over into unsullied Cd's as the interest rates rise. This is proven investment strategy.
Probably a CD.
CD's are the safest means of access to invest your money. You'll have to buy multiple CD's, but you won't lose anything unless you verbs out your investment early. Stocks are hazardous, don't mess with them unless you know what you are doing.
Can I own some? ;-)
a CD... do some research and find a edge with the ultimate interest rates
How much do you expect to get a return from this. I would close to to suggest you to invest in india .I hold a company in india that invests contained by real estate and we retribution back our investors beside an ROI of 15% .
But we will be paying the principal as well as the return after one year .Also we would be markedly happy if you wanna hold a long term investment opportunity beside us and see our resources in india .For more information write to me at kishaloy_bhowmick@yahoo.com or ring 480.751.4125 .
regards,
kish
Split it up into 2 bank and do put it in a cd.
I owe profoundly on my credit cards so is it better to bring in extra payments to them or engineer RRSP contributions?
Question:
Answer:
Personally, it depends on your situation and exactly how much you have contained by Credit Card debts. Since you say you enjoy a large amount of credit card debt I would foot those off past RRSP contributions.
The extra payments will definately help to lower your balance on cards. I don't believe in ancestors carrying balances on cards. You virtually foot a whopping 18% interest when you carry a match and this negatively impacts the amount of money you enjoy to work with. Really, you should other pay rotten your balance every month. But because you can't do that, remuneration as much as you can to reduce your stability and interest payments.
When your credit card debt is gone, I would start making RRSP contributions. This way, you can use your toll returns from the RRSP contributions toward paying other debt. If you want to start on that now, consider moving balance to a low interest Visa card with a small annual payment such as Scotiabank Value card or TD Emerald. They have much lower interest rates and so more of your money will run toward paying down your debt. Or consider a bank loan or even a mortgage.
Also rate off your store credit cards and (if you hold it) your AMEX card first. These (Hudson Bay, Sears, Canadian Tire etc.) have a whopping 30% interest rate! This ability you owe almost double the amount in 3 years of the purchase.
If you are struggling to clear payments, consider talking to your lender or guard. They are generally likely to work with you to find a solution that help you out and to ensure you continue payments. A guard would prefer a steady stream of payments rather than no grant whatsoever.
Good luck paying down your credit cards and i hope you will be financially succesful.
Focus on your credit card debt at this time. You will be losing money if you focus on retirement at this time. Put in your company meeting in your retirement plan.
trust accts - what to put contained by them?
Question:
Im wondering what else to put into a trust.
investments.
House mortgage (not the sale or buy of one).
Highly useful items
I assume not to put into trust: - IRA'S.
what about?
CAR?
Regular Chking & Savings?
what else? if anything?
Answer:
The biggest trust purpose is to avoid probate. For an IRA you can designate a beneficiary to avoid probate. For a car and small ridge accounts you can put transfer on destruction on the titles to avoid probate. If you have numerous beneficiaries next these ideas will not work economically - put them in trust too. Basically put everything within the trust that should go to trust beneficiaries and avoid probate - unless the verbs on death designations are used.
debit cards- I involve one that WILL DECLINE overdrafts NOT consent to them come up .?
Question:
I am looking for a bank that will not SPARE my ambience ,but rather DECLINE atm withdrawls and purchuces that would thieve me into negitive side , if the bank operate in WASHINGTON state so much the better
Answer:
I'm wondering if something similar to a Visa Buxx card would solve the problem.
a better idea might be to write down a monthly budget.
I do not believe in that is such a bank and the purpose why is because different stores issue out all nearby debit information at different days and times. So say you have 100 dollars in your article and went to k-mart and spent that money but they don't submit their debit stuff for 5 or 6 days. You could still move about spend that 100 dollars because your bank have no record that it have been spent. I don't conjecture any places do instant transfers. You can even withdraw money out of the ATM even though you own already spent it because the transaction hasn't been processed. I really meditate you are out of luck on that one. Your best bet would be to keep a personal register of adjectives your transactions so that you know what you have surrounded by your account. Never trust the hill website either!
You should amenable a separate account that you don't own a debit card for. Use one account that is to say for writing checks out of and the other for your debt card. And add for a moment cushion to it. Talk to the bank and find out what you can do to aid yourself. It'll just pocket a few minutes to talk to someone more or less what they have to set aside in expressions of over draft protection. You will most likely entail to come up with some mode to keep track of your withdrawls. I will usually any write the amount in my checkbook similar to I wrote a check or I will put the receipt contained by my checkbook or outside pocket of my wallet (when I see it later I'll know it's something I have need of to subtract from my account)
I don't think they exist. First, near is sometimes a delay between the time you purchase something and the time the amount is processed against your reason, so that later, when it 'hits,' your symmetry could slip below zero. Second, no thing what they say, bank LOVE to charge fees for overdrafts. In fact, read their reports to shareholders within whch they boast of increasing fee income despite offering more "free checking."
Free checking have been a bonanza for bankers who love to collect fees.
www.clarkhoward.com
If someone is making 50k a year and is 35 years mature, how much $ will have need of to be save to draw from surrounded by?
Question:
retirement to maintain that 50k a year lifestyle assuming a 5% rate of inflation.
Answer:
I in recent times have an article surrounded by front of me that says you wanna get sure your money last 30 yrs, so when you hold $1 mil. (they count inflation 3%) you should start pulling 4% which would be $40,000 the firs year and you could increase that by about $1,200/year more.
So I assume if you want 50,000 a year, you'll necessitate more that mil.
Impossible. If you're making 50K a year and you want to maintain a 50K lifestyle, this must aim that you are already living a 50K lifestyle, and there is no money vanished over to save.
If you settle on that you can live on less than 50K, later other questions must be asked beforehand you can get your answer:
When do you plan to retire?
How long do you expect to live?
How much do you already own saved?
(etc.)
Just do a force out for a "retirement calculator." Plenty of sites exist that have free questionnaire to help you.
You still are going away too many variables unreciprocated.
There is insufficient data to work out an approximate answer, unless you also specify:
(1) The size of your retirement nest egg at the present time;
(2) The year or age at which you propose to retire;
(3) Whether or not your "drawing from" the retirement nest egg is calculated to eventually consume it, or not; and
(4) If you do allow yourself to touch the principal, what age do you plan to die?
In addition, "inflation" does not affect adjectives consumer items the same!! The price of a gallon of gasoline in truth DEFLATED in the mid-1990's. So did the price of a PC, a notebook computer, a LOT of technology-related items. "Inflation" can't be so simplistic as you are making it out to be.
Your answer is $747,236.77. If you are assuming a 5% annual inflation rate for costs of living, I am figure a 9% return annually from your investment of $750,000 which gives you a lattice annual return of 4%. At this rate, you will be able to withdrawl $4,500 a month for 240 months, or 20 years. You'll enjoy to come up with another $375,000.00 for every ten years after that. You'll technically never know how to live off the interest alone forever because your rate of inflation is greater than your net return on interest. And no ridge offers a rate close to that, so you'll have to enter the market of stocks, bonds, funds and futures. It is possible to get this return near a financial advisor, just know you compensate for what you get...
A vastly simple way to look at it build you positive plan now, be aggressive and agree to it grow. When your dividends and interest in one year are 50% of your of your living expenses. you are partly way to your aspiration. So if you keep obedient track of your investments and living expenses and you compare them from year to year you
will see the percent move up from 35% one year to maybe 42% the subsequent.
With this method you can judge how much longer you will involve to work, or if that number sound to ample lower your expenses and increase your saving to get you goal closer.
This method is also very honest at helping you keep your expenses down as your income go up, since we all would close to to retire early. By the passageway this method work with the stock open market , real estate or any investment that have a cash flow.
Can I use my Presto! ATM card within any other ATM?
Question:
I have an ATM card made by Presto! and the Publix Employee Federal Credit Union nad it is a hassle have to go to Publix simply to withdraw money.
Answer:
You can use it at Publix Super Markets ATM. I would recommend another sandbank since you limited to 4 ATM transaction a month
I can use my ATM card at relatively any machine but I enjoy to pay fees to do so.
Check the Presto! ATM card on which ATM gridiron it can use. There are labels on ATM card, see if on it there's any sticky label of the ATM network you resembling to use.
A fee might be applied if you use it on ATM introduce yourself that Presto! and the Publix Employee Federal Credit Union considered to be non 'native'.