Questions tagged [financing]

The tag has no usage guidance.

Filter by
Sorted by
Tagged with
0
votes
1answer
7k 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
0answers
41 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
6answers
134 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 ...
0
votes
0answers
20 views

If the founders and investors all own SAFE notes, how bad is that for common stock option holders?

I'm interested in joining a startup from San Francisco for a modest pay in exchange for 0.75% of equity (stock options). There has been one round valuing the company at $22 million. The serial ...
1
vote
2answers
281 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
2answers
465 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
2answers
80 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
2answers
603 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
2answers
307 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, ...
-1
votes
2answers
909 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
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
2answers
190 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
297 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
1answer
109 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
1answer
219 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
121 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
votes
0answers
41 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 ...
70
votes
4answers
10k 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
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
81 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
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 ...
3
votes
5answers
503 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
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 ...
6
votes
2answers
15k 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
1answer
210 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 ...
45
votes
25answers
23k 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
344 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
1answer
85 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
264 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
228 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
3answers
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
1answer
188 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
1answer
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
4answers
487 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
1answer
6k 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
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,...
0
votes
1answer
122 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
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 ...
17
votes
3answers
23k 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
2answers
131 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
13answers
24k 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 ...
1
vote
1answer
229 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
5k 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
2answers
14k views

Choosing between two car deals on the same car - NPV

This is basic question, but I have starred myself blind on it - I am stuck. I am not sure which formulae I should use. Here is the story. I am looking to buy a car. I have found two dealerships ...
1
vote
1answer
107 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
79 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 $...
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 ...