Questions tagged [financing]

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3
votes
2answers
468 views

Why is BRK.A's EPS (ttm) so high?

I am just beginning my studies in finance and I have noticed that Berkshire Hathaway has an extremely high value for EPS (ttm) and I couldn't find out why. I have compared it to some other financial ...
0
votes
2answers
183 views

How to finance and structure an easy knockoffable business idea of a dummy poor 19 yo?

I am a poor 19yo, found one probably original business idea of products that will help (not entertain) people. However I am absolutely not savvy in technical business knowledge, so please answer my ...
3
votes
2answers
268 views

Questions about financing a car at 19

I’m a 19 year old student and have been trying to get through college without a car. However, as more time passes I realize that it would be extremely beneficial to me to have a car as my school is ...
4
votes
1answer
150 views

Financial planning for Indian baby born in USA

I am an Indian citizen and currently reside in the USA with a student visa (F-1) along with my wife (F-2). Like a couple of months ago we are blessed with a baby boy. Now that he was born in the USA, ...
0
votes
1answer
120 views

Car affordability [closed]

New here. So. To start, I am a HUGE car head- so finding an affordable car is not really the aim here. I am 23 and a ~somewhat~ recent college grad. I have been blessed with an amazing job and manage ...
0
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0answers
39 views

Exercise on how to value a bond

I'm a computer science student and in the current semester I wanted to participate at a "Project and Enterprise" financing course. The problem is that due to corona, normal lectures are not possible ...
-1
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2answers
397 views

Bank financing vs. Owner Financing (Dan Pena QLA, Company Acquisitions)

I have a question about small detail in QLA program from Dan Pena about company acquisitions and business loan lending in general. My question is related to the 03:45 (minute:second) moment of the ...
0
votes
0answers
48 views

what is the meaning of the following terms: (IIPW) and (IMD) procurement?

So there is an applcation for a loan I'm currently filling, and there is this question. Google doesn't seem to be very helpful, can I get some reading materials on it and what are they abbreviation ...
1
vote
0answers
50 views

What are the easy financing options available for down payment on home loan or how can I take loan to pay for the home loan down payment? [closed]

Can I get a loan or is any other lending/financing option available to arrange funds in order to pay for the down payment amount for the home loan.
0
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0answers
35 views

Specific name for a refinancing mortgage loan

I have a translation issue and I'm not sure where else to turn for help. In our country, there is a type of refinancing of a mortgage loan, which works thusly: Someone decides to renovate their ...
0
votes
2answers
80 views

Finding weekly interest on loan payments

In order to know how much interest I will be paying on weekly basis, I have this information: Capital: 313 pounds APR: 48.5% Payments periods: 104 weeks How do I know how much interest I'm paying ...
-1
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3answers
2k views

Buying new car at 18 [duplicate]

I am 18 years old and a freshman in college living at home. I have 0 expenses except $3,000 a year for college and gas for my current car. I am currently looking into purchasing a brand new honda ...
19
votes
14answers
15k views

I’m 18 years old and want to finance a £30,000 car [duplicate]

I'm 18 years old and I've always wanted an Audi Q5. Currently, I'm working full-time. I earn £28,800 annually and that will be due to go up soon. The car I've had eyes on costs £31,789. The monthly ...
1
vote
1answer
103 views

Compute Loan Balance for a specific month (period) on an amortized loan

I'm looking for is a method that will allow me to compute the Loan Balance value for a specific period (month) in the amortization table without having to compute all of the values before it. Let's ...
3
votes
5answers
490 views

18 years old and looking for advice on loans, buying a car, financing, etc

I'm 18 years old, I've been growing up in a place where there is animosity towards success, trust nobody and help from nobody is the point. Finally I'm on the right path but I'm having troubles. I ...
6
votes
2answers
13k views

How to determine lease vs buy for specific scenario of a Tesla Model 3 I plan to keep 3 years

I want a Tesla Model 3. Like this guy How to determine car loan length as a function of how long I plan to keep a car I (using his words): ...plan to keep for 3 years (see below for why) I am ...
1
vote
7answers
3k views

How to determine car loan length as a function of how long I plan to keep a car

I will be financing* the purchase of a brand new car that I plan to keep for 3 years. Based on this I am trying to understand how to structure the loan variables (term, rate) appropriately. Should I ...
0
votes
1answer
203 views

How to save a dying company [closed]

NECESSARY INFO So my father owns an advertising agency, which was pretty successful before a recession hit our country. After that, my father had to reduce costs, return his office, and even fire ...
8
votes
8answers
7k views

Credit score and financing new car

Little bit about my situation- Bought a car with cash about 5 years ago, at the time it was a year old. That car is now a total loss and I’m receiving about 5k for it from my insurance. I’m now in ...
2
votes
1answer
317 views

Does a co-signer on a car loan have any ownership rights to the car?

My girlfriend recently financed a car as the primary holder and her mother cosigned it, with that it was promised (verbally) that the car was going to be for either my girlfriend or her sister. After ...
45
votes
25answers
22k views

My parents claim they cannot pay for my college education; what are my options?

I have divorced parents, one makes a lot more money than the other, but that one (who makes more money) claims due to court rulings he pays a lot of money to the other parent and that they are wasting ...
2
votes
1answer
84 views

Is it better to draw down offset or finance a vehicle purchase (or neither)?

Suppose you have something like: House 1 - ~$550k value. You live here. House 2 - ~$575k value. Investment property. Tenanted at $570/week. Loan 1 - $250k, 3.9% variable P&I, $1500 monthly ...
-1
votes
1answer
258 views

Is it illegal to give a financed car back to its owner even though I made an oral agreement to make payments? [closed]

I was in a relationship and she financed a car for me. It was verbally agreed that I would make the payments. Things went south, we're no longer together but I have paid the car for the last 3 years ...
1
vote
4answers
178 views

Is it possible to start/buy a business without risk to personal finances?

Assuming business under $1 million and in the US Is it possible to start/buy a business without risk to personal finances or personal property? And What would one need to do to have a no risk ...
-1
votes
1answer
136 views

how to find flat rate of interest per annum and month if we have given reducing rate of interest or loan amount and tenure?

For example: For loan amount 500000 for 5 years at the rate of 12% (reducing interest rate), EMI is 11,122.22 per month Here 12% reducing is equivalent to flat 6.69% per annum or flat 0.55% per month. ...
3
votes
4answers
441 views

What is the best payment plan for buying a vehicle?

I recently started my first job after college/ (Polytechnic? translated from the Swedish word "Yrkeshögskola"). I have worked as a system developer since August where I had my praxis twice before ...
0
votes
1answer
117 views

What does indirect lending mean?

I found a webpage for a credit union that says that they do indirect lending. I can't understand the process. What does this mean?
31
votes
11answers
11k views

Is it a good time to replace my used car?

We have a 2005 Chevy Impala with 105,000 miles that we purchased in 2011. We have made many repairs such as replacing the transmission, repairing the radiator, heating and AC system, thermostat, belt,...
1
vote
1answer
227 views

Does it make sense to keep apartment when buying house

5 years ago, my wife and I bought a apartment for 220.000€, taking out a 15 years loan, at 1% Since then, kids happened, and we feel a bit crowded in this apartment. After discussing with a few ...
1
vote
2answers
4k views

Direct deposit personal check into business account

I'm in the process of trying to launch a new start up company but also still working full time for another company. Is it ok to start having my personal paychecks directly deposited into my new ...
1
vote
1answer
98 views

Credit Cards: Cash Financing Charges

I have a credit card, where the terms and conditions have this to say about cash withdrawal: B. Cash Advance Fees The Cardholder can use the Card to access cash in an emergency from ...
1
vote
1answer
71 views

How do capital gains tax work on a property where you finance the buyer?

I have a second property (home) which, due to tax law changes, I will now owe income tax on gains if I sell. But how does this work if I finance the sale? Suppose the hypothetical sale price was $...
1
vote
0answers
64 views

How to sell a financed car in California? [duplicate]

Hi I'm trying to sell a financed car. I have around 5k left to pay through Wells Fargo and and I'm selling the car for 10k. A few questions: Q1: Do I still have to fill out a Bill of Sale and a ...
17
votes
3answers
796 views

How can I survive the economic crisis I see will hit Argentina soon?

I'm from Argentina, where the shit is about to hit the fan just like 2001. We are going to have a crisis similar to Greece in recent times (or us 17 years ago): all debt related. I'm not an economic ...
2
votes
1answer
2k views

Is there a difference between a 360/360 day count convention and a 30/360?

Are these just different names for the same thing? Lending Management Software company told me their software does not do 30/360, but could do 360/360 which would be the closest match. I am thinking ...
1
vote
1answer
86 views

What would be a financially intelligent rental cost to bear if you earn $90000CAD annually in Toronto?

Imagine if I earned $90000CAD annually (before Tax) in Toronto, what would be the most financially sensible maximum rental cost to bear? Would renting a house for $2500CAD monthly be somewhat over-...
1
vote
1answer
186 views

Is it a bad idea to lease a car even when looking for a car for only short term purposes

I am looking to buy my first vehicle and I was convinced that a leased car would be better option due to lesser upfront costs, lower paymnets and an option to buy the car at the end of the lease. ...
2
votes
2answers
150 views

Pros and cons of these 2 methods of property financing

Suppose a person wants to buy a property. There are 2 methods of financing that come to mind; 1) Get a mortgage and borrow up to 80% of property value to buy the property. This is so that not too ...
6
votes
2answers
8k views

How is interest calculated on PCP agreements?

in December 2018, I'll be at the end of my PCP agreement for my current car and I'm weighing up my options. I've never really paid attention to the details about my previous finance agreements - I ...
48
votes
10answers
15k views

Could a business be structured around Multi-level Marketing, yet still be ethical? [closed]

Why is there a lot of controversy and claims that Multi-level Marketing (MLM) is unethical? I see it just as a business model. While the customers and clients, distributors or resellers of your ...
6
votes
1answer
2k views

Why did a “Bought Deal” Drop the share price of Canopy (WEED)?

Recently a Canadian bank (BMO) has participated in a "bought deal" with Canopy (WEED) for 5 million shares valuing 175 million dollars. The share price went down. Did the share price go down because ...
-1
votes
1answer
255 views

Calaculating Quartely cash collections [closed]

Sorry if this is the wrong place for this financial concept question, it's about the cash budget. Accounts receivables at the beginning of the year are $345. The company has a 60 day collection ...
3
votes
2answers
128 views

Financing and Leasing, difference!

What is the difference between leasing and financing a truck? My friend needs to buy a truck to start a business, and he asked my suggestions regarding the lenders offering a loan. In my search, I ...
0
votes
1answer
105 views

Do companies sell new securities before or after a prospectus about the offering?

There wasn't any specific information on when exactly the transactions take place. So are the companies able to engage in the actual sale of the new securities prior to giving the public the base ...
2
votes
1answer
810 views

“Convertible -debt/note/bond/debentures” which of these are the same or different?

i came across "convertible debentures" when reading a file for a public company. i didn't know what this term meant, so i went to look it up.. but then became more confused. there are sites that say ...
1
vote
1answer
1k views

how exactly do companies make money from warrants?

I'm confused. I remember reading a file for secondary offering from a company and it said "We will not receive any proceeds from the sale of these shares other than proceeds, if any, from the exercise ...
1
vote
1answer
169 views

Calculating NPV for future cash inflows [closed]

I have a question, where I am calculating the net present value of a project we are considering if it is beneficial or not. The project starts and the sales (cash inflows), don't start until a few ...
4
votes
5answers
2k views

New car: buy with cash or 0% financing

Here's my current dilemma: should I buy the new car I'm looking at with cash or have 0% financing for 72 months? For reference, here is some info about me: I am currently living at home. My plan is ...
2
votes
1answer
93 views

What does “netting” mean in this passage?

I am not english native speaker, I am Italian. What is the meaning of "netting" in this passage? Clearing the process of transmitting, reconciling and, in some cases, confirming payment ...
-1
votes
1answer
112 views

why the currency data(such as USD/JPY) is different from different source

I am a new guy to finance. I found that the currency rates for USD/JPY or CNY/JPY have slightly different from different source. For example: USD/JPY 2017/07/10 (1) 114.08: https://www.oanda.com/...