Stack Exchange Network

Stack Exchange network consists of 175 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers.

Visit Stack Exchange

Questions tagged [financing]

The tag has no usage guidance.

1
vote
4answers
151 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
45 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
341 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 ...
-1
votes
1answer
89 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?
30
votes
11answers
10k 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
192 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
898 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
81 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
63 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
62 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 ...
0
votes
0answers
66 views

Dropping a cell phone plan and financing

So I recently switched carries and within a day decided I wasn't happy with the carrier and the phone so I dropped both the plan and the financing for the phone. This company gives you 14 days to ...
17
votes
3answers
719 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
810 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
74 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
155 views

Scam or not money transfer in the same bank to. My scvount

A friend was deported and has money in account here in the us there in Nigeria and want me to open up account so that I can retrieve the money for them from his friend that is also on the account so ...
1
vote
1answer
136 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
141 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
4k 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
14k 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
1k 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
39 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
118 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
83 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
113 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
773 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
121 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 ...
3
votes
5answers
1k 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
90 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
105 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/...
1
vote
2answers
211 views

First home buyer, financing questions

My and my wife are planning to buy a home or apartment in Florida. We dont know what kind of property would be the best choice so we wont regret it in the future. Our monthly income is around $4000, ...
2
votes
1answer
3k views

Monthly payment on a compounded daily car loan? [duplicate]

I just took a car loan. The amount financed is $12,865.57, the APR is 3.06%, and the length is 48 months. The finance company charges $285.47 monthly. I would like to know how they calculated such ...
0
votes
1answer
218 views

How do Wealthy people deal with tax? [closed]

Personally I will start full time work very soon and I was just looking into how much I could potentially take home. It seems like the harder you work the more that gets taken. So I decided to type in ...
3
votes
1answer
447 views

What happens if I get approved for financing, but don't make the purchase?

I recently applied for financing to buy the Google Pixel. I was approved. When I went to place the order, the shipping time was a month away. I don't want to wait that long. I'll look at other buying ...
-2
votes
1answer
98 views

What does “to the 3% to 4% range” mean?

It now looks almost certain that next week the Federal Reserve will raise interest rates for the third time, and that will be the first step on a clear path toward getting the price of money back to ...
1
vote
4answers
2k views

Having a separate bank account for business/investing, but not a “business account?”

Say I invest and I'm self-employed. I have one "personal/everyday" account, but would like to separate another account purely as a "staging account" which would be used for investing and business, but ...
1
vote
3answers
171 views

Mitigate Effects Of Credit With Tangible Money

This question is not how to build credit quickly, although those strategies will be used simultaneously to prevent having to use the answers to this question again. As a new graduate, I have had a ...
0
votes
1answer
4k views

How to offer financing to customers (Used Car Dealership)? [closed]

I'm starting a used car dealership and I would like to offer financing option as a form of payment to my customers (Lately many potentials buyers ask for such). I have few concerns that I need to ...
16
votes
3answers
16k views

Leased a car but did not use the mileage - what options do I have

Background: About three years ago I was victim of carjacking. My car (Honda) which I owned got totaled and after a month of working with insurance I got a equivalent value of my car from insurance ...
3
votes
1answer
386 views

Car value is almost equal to GMFV with still 2 years to go on PCP

I’m half way through a 4 year PCP agreement with Mercedes Benz Finance (the car’s value was 27500 when I signed the PCP) that guarantees the future minimum value of £12125. My circumstances have ...
2
votes
2answers
239 views

Car finance, APR rates and per week in adverts; help understanding them

Looking at a car advert [for a car I was considering buying in April 2008] but in the end I didn't - this was what the advert stated: 2005 TOYOTA COROLLA 1.4 VVTi 5 door hatchback £7195 From £38 ...
1
vote
2answers
301 views

Is it financially advantageous and safe to rent out my personal car?

Recently, I have found a job in Downtown Montreal, Canada. I also live in downtown and my new job is a couple of blocks away from my apartment. Hence, it's getting expensive to keep my car. I have to ...
2
votes
1answer
81 views

Titles, Financing and Insurance. How do they work?

I am about to buy a motorcycle so I filled out a financing application with my dad as the co-signer (I'am 19 and have no credit history). However, the dealership informed me the only way they could ...
1
vote
0answers
2k views

How to include loan repayments in income statement?

I realize I'm kind of lumping an income statement and statement of cash flows together, but this is still the easier way of doing things for my particular use case. I'm trying to do an income ...
19
votes
7answers
6k views

Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg?

For my first car, I bought a Toyota Camry. 3 years later I sold that car and I am leasing a BMW series 3. My lease will expire early next yr and I am thinking getting the X3/X5, do you recommend ...
0
votes
1answer
475 views

How can a payment on a $62,000 Jaguar be $499 a month?

I was in the mall today and some dealer had a $62,000 Jaguar on display which had $499 painted on the winshield, which I assume is a monthly payment. If we ignore interest, that would be 500 x 12 = ...
3
votes
2answers
366 views

Car dealers offering lower prices when financing a used car

I recently went to a Nissan dealership to buy a used car. They are claiming that they can offer me a price that is over $2000 less if I finance with them, instead of paying in cash. Is this a ...
1
vote
1answer
619 views

The Purpose of Change Machines [closed]

I need some clearing up, do Change Machines exchange bills for coins or coins for bills. For example if I put a dollar in a Change Machine will I get four quarters back or visa versa?
0
votes
1answer
211 views

Why Demat/Stock Market Brokers don't support Credit Card Payin

Why does Demat Account (Stock Brokers) don't support Pay-in to our Demat account directly from the Credit Cards? I am living in India, and so far I haven't come across any company which supports this....
0
votes
1answer
296 views

$10,000 to invest in the house - Pay down principal or spruce up to increase appraisal?

Hypothetical but not totally unrealistic situation: Looking at recent comparables (and non-comps like smaller homes or fewer amenities), the value of homes in my neighborhood have increased ...
6
votes
2answers
2k views

Buying my first car: why financing is cheaper than paying cash here and now?

I'm buying my first car and I'm a bit puzzled. Here you can see price for 2015 Toyota Camry Hybrid XLE (archived). You can see that MSRP is $34,435, but the dealer is making discount of $8,609, so ...