Finance – Economy – Money – Crisis

Finance definition Question by : Bonds 101 [Debt Financing] HELP. EASY 10 POINTS GUARANTEED!?
have a test soon and need your help guys. have a couple of questions you guys don’t mind answering for me. answer all questions (as thorough as possible) to get 10 points.

1) How does a bond work exactly…I mean, the bond is an IOU..which is the principal (par value) + the cost (contract rate) of using the money… so as the bondholder, do I pay fixed, installment payments..but here is where I get lost…at the point of maturity, or full repayment, conceptually speaking how much does the bondholder get back? …does it depend on the market value (rate) of the bond? …like what’s the general equation for maturity of a bond…= par value x contract rate x annual period? is that all ….wouldn’t that be constant..basically, there’s no return or gain…? im lost.

2) second easy question. bonds can be issued at par (given contract rate = market rate), at discount (contract rate < market rate), or at premium (contract rate > market rate)…I understand the meaning of these words…but what does it mean in real terms…what does this translate into/mean both as an issuer and bondholder ….

will i (as an issuer) have a higher interest expense if the bond is issued at a discount? …and the bondholder gets a higher return?…or vis versa…

3) third and lastly, what in the world is “amortization”? … tried looking up the etymological definition…for the life of me, i still cannot make sense of it.

PLEASE HELP ME, I WILL GREATLY REWARD YOU WITH 10 POINTS !!!!!!!! …ONLY FAIR, RIGHT?

Best answer:

Answer by anile
dear do u hav a grewal text buk?
beta help urself..
evn i hav a test cmng up…
on monday..
go accounts..
donno wata do..:(

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Finance definition

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Financial Crisis Question by same: What is the reason for the current financial crisis in the US of A?
i want a report about the financial crisis in the usa

Best answer:

Answer by oliver_a2002
Credit market has become jambed with bad debts. Need Payday Loans?

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Financial Crisis

This power point presentation is about causes of financial crisis. With a link to my book with the solution for the crisis on amazon. The financial and economic crisis worldwide explained. And solution for the world economic crisis.
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Money Question by Robert P: —-Money—-?
Do anyone have a money I can rent for friday?

Best answer:

Answer by absolut_sicilian
You’d better rent a brain first…it’s called “lending”, not renting when referring to money.

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Money

Car finance Question by Insurance Guru: Is it illegal to send a letter to a Car Dealer Finance Manager asking for referrals?
Im thinking of sending Finance Managers in my Area a letter introducing myself as their local Insurance Agent, and asking for referrals. Is this Illegal? I’m licensed and operating in Illinois.

Best answer:

Answer by capwest5a
Nothing illegal about that at all – just don’t hold your breath waiting for a reply.

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Car finance

Money Crisis Question by knightrider702: in this financial crisis why doesn’t the u.s. mint print more money?
this is a serious question, no stupid responses

Best answer:

Answer by princess zaria
u have 2 have gold 2 back up the money

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Money Crisis

Stock Question by stephymarie13: How do capital gains work for transferred stock?
I received IBM stock as a gift from my grandmother (under the taxable gift amount). We cashed the stock in shortly after. When we went to have our taxes prepared, we were told we would need the cost basis from when my grandmother purchased the stock. When I called IBM, they told me I would only need the cost from the date of transfer. Who is accurate?

Best answer:

Answer by tro
since it was gift to you, your basis is 0
had you inherited the stock the basis at the transfer would be effective but you say this is a gift, and I don’t know anyone who pays for a gift (other than Jesus Christ)

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Stock

Online investing Question by Polankousnmdeming: how do I start an successful online business without investing, or having to make a sophisticated web page?

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Online investing

Money Question by amyr1996: money?!?????????????!?
if i was selling something to someone and i lost the check they gave me then i tell them that the office threw it away and i might get in really big trouble for lying and losing the check.should i use my own money to pay for it?should i tell those people the truth?what should i ddo and how do i avoid big trouble????????
if i tell them the truth they might get mad
i could just tell them i got the check and then lost and make up for the money with my own money

Best answer:

Answer by Lucky Me
Tell the truth so they can stop payment on the check. They can resend another.

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Money

She works hard for the money so hard for it honey she works hard for the money so you better treat her right She works hard for the money so hard for it honey she works hard for the money so you better treat her right Onetta there in the corner stand and wonders where she is and it’s strange to her some people seem to have everything Nine am on the hour hand and she’s waiting for the bell and she’s looking real pretty just wait for her clientele She works hard for the money so hard for it honey she works hard for the money so you better treat her right She works hard for the money so hard for it honey she works hard for the money so you better treat her right Twenty five years have come and gone and she’ seen a lot of tears of the ones who come in they really seem to need her there It’s a sacrifice working day to day for little money just tips for pay But it’s worth it all just to hear them say that they care She works hard for the money so hard for it honey she works hard for the money so you better treat her right She already knows she’s seen her bad times she already knows these are the good times She’ll never sell out she never will not for a dollar bill she works hard She works hard for the money so hard for it honey she works hard for the money so you better treat her right She works hard for the money so hard for it honey she works hard for the money so you better treat her right She works hard for the money so hard for it honey she works hard for the money so you …
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Money Crisis Question by BritishMale: If banks create money out of thin air when they loan people money- why did the sub-prime crisis matter?
If all money is debt, and it is created as and when they feel/can- surely it would be no loss when sub-prime mortgages cannot be paid back?
Banks get original deposits from the fed and Government, but as stated in the Federal Reserve publication “Modern Money Mechanics” it is explained that the deposits put in banks by Government and the Federal Reserve “Of course banks do not actually use this money to create loans,”. Electric money (which accounts for 97% of the money in circulation in the USA) is deposited into their respective accounts and in reality is very very rarely withdrawn.

The contracts alone act as sufficient money for trading, as banks are 99% of the time going to get their money back, and so the conversion of these contracts to legal tender is enough to increase the money supply.

Don’t correct people on a system you don’t understand yourselves.

http://www.rayservers.com/images/ModernMoneyMechanics.pdf

Best answer:

Answer by Steve D
Banks do not create money out of thin air – the money lent out is based upon the amount of deposits a bank has less the required reserve. For example…Bank A has $ 1 million in savings deposits from customers and the Fed requires a 10% reserve…the bank deposits $ 100K with the Fed in its reserve account and can lend out the other $ 900K. The bank makes money on the interest spread, which is the interest made on the $ 900K in loans less the interest paid on the $ 1 million in deposits and overhead (bank buildings, salaries, etc.).

Let’s say that in our example, someone with a $ 100,000 sub-prime mortgage defaults…The bank now has assets of $ 900K (800K in remaining “good” loans plus $ 100K in reserves) to cover the $ 1 million in deposits. Not a good situation if everyone showed up one day and withdrew their money.

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Money Crisis

Niall Ferguson, MA, D.Phil., is Laurence A. Tisch Professor of History at Harvard University and William Ziegler Professor of Business Administration at Harvard Business School. He is also a Senior Research Fellow at Jesus College, Oxford University, and a Senior Fellow at the Hoover Institution, Stanford University. www.niallferguson.com
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Car finance Question by soonerfan20: Car Finance ?
GM is offering 0% financing, and I was wondering what type of credit score you have to have to qualify.

Best answer:

Answer by Frank C
In this credit market you will need a 690 or better for these 0% plans.

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Car finance

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