Personal Finance Question and Answers

What does "par value" tight-fisted within stocks? Is it like peas in a pod as "book value"?



Answers:
) The face efficacy of a bond.

2) A dollar amount that is assigned to a financial guarantee when representing the value contributed for respectively share in brass or goods.

Investopedia Says... 1) The par values for different fixed income products will oscillate. Bonds generally own a par value of $1,000 while most money souk instruments have highly developed par values.

2) Stocks will typically have a par expediency of $0.01 or none at all.

Other Answers:
hi my entitle is adrian and i can spell it !
as money value
The "Par Value" is the suggested starting price of a deposit, as stated by the underwriter. The "Book Value" would be the fair souk value at the running out of a specific business day, usually December 31st.
Par effectiveness for stock is a stupid concept that is nolonger used. Typically companies create par an even dollar value smaller number than the issue price rendering it useless. like $1, ten cents, or one cent. It be originally used as an insurance policy for creditors, making IPO purchasers responsible for a certain amount of debt per share, incase the company craped out. Par helpfulness would normally be set above the initial share price, the diffrence between the share price and the par efficacy would have to be rewarded up by the original IPO holder of the stock incase the company needed it.

So for example an IPO might be for $10, and enjoy a par of $15. Incase the company need the money they would telephone for the extra $5 per share so they can pay their creditors. And this singular affected the first shareholder of that share for the company (the IPO buyer). So if 10 years ago you bought an IPO beside a par value greator than the price you compensated you may have to come up beside that money even though you sold that stock 8 or 9 years ago, reguardless of current market merit per share.

Because of how unbelieveably stupid that is, companies only just set par below the IPO price today, so it means nil.

The par value is a short time ago a number they pull out of their as_s, companies singular have par values today because it is the canon in most to select a par appeal, but in most states they enjoy laws that make it illegal for companies to own par values above the IPO price.


What is the best company to use for online stock investing?



Answers:
Richard, stay off the crack, will ya?

Sharebuilder is great, if you are going to invest every week or month and are feeling like to have it done automatically. But Really!! A 30% annual dividend let go?!? Not reality.

If you want to buy and put up for sale at a whim try scottrade.com, or check out Trade's recommendation. Watch ou for account minimums and apathy fees.

Other Answers:
for cheap trades tradeking.com
i mostly use schwab.com because i like the streetsmart pro software.

you can also look at Fidelity.com , Ameritrade.com , etrade.com , scottrade.com The singular reasonable one is really. Sharebuilder.com But simply invest a decent amount at smallest $100 in respectively stock, Becuase it cost $4 to buy the 15$ to sell the stock. That is the segment they don't tell you. Basically though if you have 5,000 I would invest in 15 different stocks at $333.33 apiece, I would dawdle atleast 6 months before touching them, Set them to Re- Invest adjectives divendeds, if you pick well within 6 months you have 7500 contained by your portfolio, let it sit another 6 months, till you own 10,000 then Set the explanation to put your dividends into a money market that you can withdrawl from sharebuilder for free! , you woul prob capture around 250 a month, for the rest of your life!, if you ever needed to switch the account spinal column to re invest let it build to... 15 or 20 regal, by the time your investment is in their for 15 years, if you permit it ride that long it could be 50,000-60,000 and you make 4,000 a month surrounded by divdends......

That is a answer froma amateur with singular a sharebuilder account worth 650$, started near 320 though....


Would similar to to find someone that could loan $13,000.00 for a personal loan. Trying to recreate credit.?



Answers:
That would be like asking for a Hummer to collect on Gasoline.

If you want to rebuild your credit you don't apply for another loan.

You brand more money (Second job, maybe?) spend less money (Less beer, smaller number tobacco and less McDonald's, probably?)

Other Answers:
Yeah!
You might try prosper.com. I have no first foot experience with the site, but it seem like it might be a biddable place to get a break if you are turning your situation around.
Source(s):
http://www.prosper.com/public/welcome/default.aspx


How much would $287 within 1947 be surrounded by today's money? Was it plentifully of money after?

I'm curious how much money it would be today. I don't know how to phrase the question thoroughly well.

Answers:
287 dollars within 1947 had equal buying power as 2557.26 current dollars.


Check out the cool little calculator I found for you. You can check the historical value of british pounds too.

:)

Other Answers:
you can buy adjectives the candy you wanted for a week if you required too
Yes, it would be a lot of money.
My Grandfather worked for GE. He would find $25 dollars every
two weeks, pay rent, grasp groceries, and still have money vanished
over.
One simple calculation, base upon an annual inflation rate of 4% makes $287 within 1947 dollars approximately $2,900 in today's dollars.
Source(s):
287x1.04^59(years)=$2,903.01

NOTE: I made change to my original number because I have "$247" as my original principal instead of "$287." <y apologies.
Well the significance of the dollar is halved every ten yrs.

1947 --- $287
1957 --- $574
1967 --- $1148
1977 --- $2296
1987 --- $4592
1997 --- $9184
2007 --- $18368

So yeah it would be a nice piece of adaptation
$2606 (see link)
Source(s):
http://woodrow.mpls.frb.fed.us/Research/data/us/calc/index.cfm


Can anyone recommend a US hill that doesnt nickel and dime you on buried fees and atm charges?



Answers:
EverBank.com

I've been beside them since December 2005. EXTREAMLY HAPPY. They refund ATM fees every month up to $6.00. Pay 3% interest on checking. Free bill reimburse. Free bank by letters envelopes. Free deposits at local banks throughout USA via ATM deposits. Great crew working the phones near.

Other Answers:
Darryl Grayson & Associates, Inc on Chicago's Magnificent Mile.
Source(s):
as per directory in lobby

sorry!! my friend but i think every guard is going to try to get some type of modify out of you.As long as you have a justification in their sandbank you sharing your money with them!! Try some online bank like Allstate Bank or Capital One Bank.


If you are looking for bricks and mortar banks and are surrounded by their area, Commerce Bank is great. 7 year banking, free bill settle up, no fee checking, free ATM, unlimited rebate of other bank's ATM fees.

www.commerceonline.com Try looking at Credit Unions. They are not as money hungry, since they work for the members.




what is a commodity?

what is a commodity are they trade like stocks are traded. how do i buy and trade a commodity.

Answers:
Commdities are resources available for buying and selling contained by the world market. Some examples are particle, oil, textile, oranges, etc. They are bought and sold from farmer to middle man to individual ancestors who buy the commodity for the sake of reselling them later at a better (and unfortunately sometimes lower price).

(Unlike the being above, I didn't just copy and stick from an info website, and my definition is easier to understand)

Other Answers:
The word commodity is a term next to distinct meanings contained by business and in Marxian political cutback. For the former, it is a largely homogeneous product, whereas for the latter, it refers generically to wares offered for exchange.

Linguistically, the word commodity came into use surrounded by English in the 15th century, person derived from the French word "commodité" meaning "benefit, profit", similar contained by meaning to biens (goods). The Latin root import is commoditas, referring variously to the appropriate measure of something; a fitting state, time or condition; a honest quality; efficaciousness or propriety; and plus, or benefit. The German equivalent is die Ware, i.e. wares or goods offered for public sale. A commodity is an undifferentiated product whose market advantage arises from the owner's right to sell to some extent than the right to use. Example: commodities from the financial world include oil (sold by the barrel), electricity, wheat, bulk chemicals such as sulfuric sour, base and other metals, and even pork-bellies and red juice.

Markets for trading commodities can be immensely efficient, extremely if the division into pools matches emergency segments. These market will quickly respond to change in supply and emergency to find an equilibrium price and quantity.

They are bought and sold on the "commodities market" a short time ago as stocks are traded on different stock markets. Contact a commodities broker to buy and vend commodities.
Source(s):
Unlike the 2 people above, mine is the most detailed and accurate


how do you sign a check over to someone, when the check is written to you?



Answers:
on the back, you sign your first name, then right below that you write "pay to the command of" and the name of the human being you are signing it over to. Then they sign below that. The bank desk clerk prefers you to do this in front of them, and will probably want both of your I.D.'s.

Other Answers:
That will turn the check into a third-party check. Bascially, the personality who the check was made out to only has to sign the vertebrae as they would if they were around to deposit it. Now it's legal tender. Sort of, because most places that aren't bank won't accept a third-party check as money and some bank require multiple forms of identification to bread a third-party check.
THERE IS NO POSIBLE WAY JUST DEPOSIT IT INTO YOUR BANK ACCOUNT AND WRITE THE PERSON A CHECK, OR ASK THE PERSON THAT GAVE YOU THE CHECK IF THEY COULD SIGN IT TO THE OTHER PERSONS NAME
well you could try to use another check or you could use whiteout and merely rewrite the name you be going to chck it over to
Sign the back of it and consent to them deposit it in their story.
sign the back of it approaching you normally would and afterwards whoever you're signing the check over to signs the back beneath your signature.
you can sign it first, then the being you give it to the other personage and they can cash it.
You could sign the check and lower than your signature write pay to the command of the next personage. It is getting harder and harder to cash 3rd event checks tho.. the easiest way is really to lately deposit into ur own and rewrite it. If u dont have an tale the 3 rd person will obligation an account and the check will most expected be held.


Can someone explain how libor works next to your mortgage?

I have a irregular rate mortgage which is based on the Libor Index. I am still confused on how the mortgage company calculate my monthly payment.
For example-If today's 1 month Libor Index is 4.8 and my edge is 2.95, is my payment base on 7.75 percent or am I missing a key component within my calcuations?

Answers:
If they use the 1 month Libor Index then yes explicitly correct. For more info on adjustable rate mortgages:
http://www.regionalmortgages.com/arms.html


How much exactly does an usual dentist attain per month?



Answers:
your question make no sense. dentists are paid on a per forgiving basis. not monthly


Has anyone ever hear of www.roboriches.com? Has anyone used www.roboriches.com? Is it legit?

From the website it could look like a scam, but I'd really similar to to know if anyone has used it and have been succcesful near it. Please let me know honestly. Thanks!

Answers:
Obvious scam...

Other Answers:
Sorry , i dont know :-(
I'd bet scam.


What is the best track to consolidate a debt ($50K)into one monthly pay? (Bank or loan agency?



Answers:
depending on how your credit is if its in right shape i would go beside a agency they will fight to bring back you the best rate if you find a good officer. they enjoy more programs they can use

Other Answers:
I am seeking an answer to this question


how much money does it thieve to become the most powerful man on the planet?



Answers:
Bill Gates has close to a 100 billion. That is instrument more than you could ever spend. Money does not necessarily equal power. Many would say the President of the USA is the most powerful man on the planet.

Other Answers:
100,000,000,000 Dollars.
I can verbs a flower out of the ground while the entire planet is holding onto it. It doesn't cost me a penny.
enough to buy sufficient amunition to put to death all the other men on the planet. later you'd know for sure you're the most powerful. congrats
you don't need money for power....... you obligation popularity
all of it
Think of it this approach, Bill Gates makes billions of dollars, but my local Senator make 65,000 dollars. 100 Senetors (theoretically) can control a billionaire. Or Adolf Hitler. He grew up poor and rose to power to control almost half of Europe. In other words, money is not a factor. A few trillion dollars couldn't hurt though.
You don't involve money for that my friend. Look at Jesus Christ and Prophet Muhammad. It's passion and benevolence.
It's not a thing of money, my friend. Some guy named Sven from Sweden can hurl lead-plated pianos over 10 story buildings...in a minute THATS THE MOST POWERFUL MAN ON THE PLANET! But, if you meant politically speaking: not a soul can ever be the most powerful man on the planet. As for the other answers...Hitler ended up defeated, broken, and comatose when he finally took his own life. Bill Gates is an wrong thief, and unloved by many, his money resources nothing. He's still a geek. And even though abundant may say the prez is the most powerful man on the planet, the US checks and balance system limits even his power. This is why no single man can ever be the most powerful man, politically speaking.
Source(s):
I enjoy an I.Q. of 160, higher than adjectives but 4% of the human population. Enough said.


What can you afford contained by California beside a $42,000 salary/year income?



Answers:
In Los Angeles you can afford a small apartment - nice apaprtments run about 1700-2000 a month.

Other Answers:
ummm...nil probably
That salary rank is barely ample to answer "yes" when they ask if you would like to Supersize it.
Source(s):
Common sense.
Not much...
nil!
I live in San Diego and my answer is that you can do it if you really want to but your not going to live similar to how you want to. You can rent a condo or apartment in an undesirable quantity of town for that salary but you'll never be capable of afford a house with that much unless you hold rich parents that help you out. If you similar to to go out and jump shopping, have fun and spend your money you can forget it because it's nickle and dimeing out here. You take home money to spend money and there is never plenty to save. If you find someone to split rent next to that can help but near are lots of crazies out here so you have to take heed.
This really depends on where you live and what living situation you are surrounded by. Live in San Francisco? Have a relatives? Honestly anywhere you live in California would be better renting because of the dignified costs.
I don't know everyting that you will be able to afford, but I will read out this, you can't afford to not save money. Working next to many of my clients who are in a minute in the 30s, 40s, and beyond that's the number one face I see. They spent all their money trying to live nice, and recounting themselves when I get that make higher that's when I'll start saving 10% of my income. In the meantime inflation is at 4.75% and two years go by and by the time they get the bump up it is only 2-3% at best. Even if you own to start with $50 - $100.00 per month, speak next to a financial advisor that has no up front allowance and save money!



is missingmoney.com a legal webste?



Answers:
I went on nearby and actually found my nickname for an address I lived in around 7 years ago. I've already printed out the claim form and will be sending it in. I didn't hold to pay any money to win the information or claim form.

Other Answers:
It may work for some people, but you hold to pay to find out if you own any missing money. Do you really think you own enough missing to be worth paying for?
I don't know if it's legit or not but it did not show missing money for me nonetheless it did show up on a free 'missing assets' government site for my state. You can check yourself at:
http://www.unclaimed.org/mainframe.asp?VisitorType=owner
afterwards click on the Find Property Link, click on your state, scroll down, and click on your state's web site for missing property.
Source(s):
NAUPA pattern site
i got an e-mail from them and go all the course up to the point where they asked ME for money. they told me that i even have some money but i would consider any more e-mails from them as spam.


husband have died owes lots of money and backbone taxes how do i seize ins. money so know one know i will ocp bkrcy?

my husband died i have ins. coming he owed lots of money wager on taxes and bills he was surrounded by a coma for 17mos. wil this be reported to irs. i should have did a toll compromise and filed liquidation before however i did not can i put surrounded by my fathers acct. can i buy a house or saloon and put if needed in my daughters designation and transfer after i address these issues? i really call for to get a home for my children we hold been living near my parents appreciate any andall info.

Answers:
I am not an attorney. If your husband owed the money as an individual - then he be liable for the debt not you. If you filed reciprocal tax returns, later you too MAY be liable for a portion OR/AND all the wager on taxes. It is really up to you whether or not you wish to pay packet your deceased husbands debts.

Life Insurance is rewarded out to you tax free - I'm not an accountant any - If your late husbands creditors know here is life insurance, at hand is a good unpredictability they will try to make a claim on it.

Consider seeking endorsed aid, to make receive a clear picture as to how you stand, so you can get on near your life and know that you and your children are protected.

I am sorry for your loss.

Take care, and upright luck.

Other Answers:
Your insurance is not subject to his debts in Illinois. This may be true surrounded by other states as well. There may be a family circle medical expense doctrine in your state. Ask your attorney.

You really requirement to contact a lawyer within your state as laws change greatly from place to place. Find someone who understands creditors rights and also probate authority.


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