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1 vote
1 answer
396 views

Price of Bond with irregular long first coupon period

I'm trying to manually calculate the price of a bond with a long first coupon period, found a few candidate formulas on Microsoft Excel Document: OddFPrice mit.edu: OddFPrice WestClinTech.com: ...
2 votes
3 answers
237 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 ...
1 vote
1 answer
3k 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 ...
0 votes
0 answers
95 views

What kind of financing options are there for large personal projects?

I'm doing pretty decently on my personal finance goals. I've acquired a personal home with more than 50% equity, a second home for income with about 30% equity, and have several other investments and ...
2 votes
4 answers
384 views

Which is cheaper: 50% down with 50% loan or 100% loan with 50% immediately paid after signing

I find myself in a position of needing to finance a large purchase. Fortunately, I saved a significant amount in expectation of this expense so I have about 50% of the total cost on hand and ...
-2 votes
2 answers
3k 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 ...
1 vote
7 answers
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 ...
2 votes
1 answer
197 views

Should we sell our current primary residence to payoff a rental we also own in favor of no mortgages? [closed]

Townhouse: About 10 years ago we bought a nice townhouse for about 300K. Single family: About 4 years ago we decided to buy a single family house for about 400K and we kept the townhouse and it is a ...
3 votes
1 answer
111 views

How do I properly lend personal money to my own company in Quebec?

I want to finance my company with my personal money (to buy some stuff). What is the best way to do that in an accounting point of view?
3 votes
1 answer
368 views

Possible Car Dealership Scam

I am new to purchasing vehicles and handling financial matters in general. I am trying to improve my financial literacy but still have a ways to go. My father is currently trying to purchase a vehicle ...
33 votes
8 answers
6k views

I'm thinking of getting a new car ... why shouldn't I LEASE one?

Why is leasing a car a bad idea?
0 votes
1 answer
8k views

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

I'm have used car dealership and I would like to offer financing options for my customers (Lately many potentials buyers ask for such). Does anyone knows from where I can start ? What company does ...
1 vote
0 answers
51 views

Why is a separate fiscal year needed different from that of a calendar year? [duplicate]

What is even a separate fiscal year different from that of a calendar year? A detailed answer to this is most welcome. I am asking this particularly in Indian context.
3 votes
6 answers
4k views

What is a fair way to split the profits for a co-owned property?

Seeking out some financial guidance... My partner and I recently purchased a home with my sister and brother-in-law. All spaces will be shared with the exception of bedrooms. We will be meeting with ...
1 vote
2 answers
328 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. ...
0 votes
2 answers
551 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 ...
1 vote
2 answers
90 views

What can you do with 100 dollars in relation to investing and raising a business? [closed]

I am really curious if it's still possible to start with a low amount of money as I've heard a lot of success stories but wasn't quite certain if it's true or fake. Is it possible to raise a business ...
4 votes
2 answers
955 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 ...
1 vote
2 answers
342 views

First home buyer, financing questions

My and my wife are planning to buy a home or apartment in Florida. We don't know what kind of property would be the best choice so we wont regret it in the future. Our monthly income is around $4000, ...
0 votes
2 answers
203 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
2 answers
933 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 ...
1 vote
1 answer
163 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 ...
4 votes
1 answer
671 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
1 answer
136 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 ...
71 votes
4 answers
11k views

What are some tips for getting the upper hand in car price negotiations?

My family wheels are pushing 200K miles and lights are starting to come on, noises are starting to come out, and I want to investigate a newer car before I sink money into repairing mine. What are ...
0 votes
0 answers
38 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
2 answers
92 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 votes
3 answers
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
14 answers
16k 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 ...
3 votes
5 answers
551 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 ...
4 votes
5 answers
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 ...
7 votes
2 answers
16k 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 ...
0 votes
1 answer
220 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
8 answers
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 ...
45 votes
25 answers
24k 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
1 answer
970 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 ...
2 votes
1 answer
181 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
1 answer
271 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
4 answers
683 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 ...
8 votes
3 answers
3k views

Wife wants to buy me out of our house - how to do this?

My wife and I want to separate, and have agreed in principle that she will pay me half the value of the house we share and I’ll move out. As she has just inherited a large amount following her father’...
-1 votes
1 answer
815 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. ...
1 vote
1 answer
2k 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 ...
3 votes
4 answers
631 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 ...
4 votes
1 answer
7k views

Should I request a car loan before or after changing jobs?

I have a decent credit score (low to mid 700's) and I'm pretty sure I could get approved for a loan. I'll be taking a new job in a new state in a couple of weeks and I would like to get my wife a new(...
31 votes
11 answers
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,...
0 votes
1 answer
147 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?
19 votes
7 answers
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 ...
17 votes
3 answers
26k 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
2 answers
156 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 ...
23 votes
13 answers
28k views

Buying my first car out of college

I just graduated college this past week and have a job lined up making 63000 a year. I was looking at buying a $27000 used 2008 BMW 328i, financing at about 500/month for 60 months. I don't have any ...