Payments Annuity » money http://paymentsannuity.com Sell Annuity Payments Fri, 02 Apr 2010 23:52:18 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 Can you get a little bit of money out of a structred settlement or do you have to get the lump sum? http://paymentsannuity.com/can-you-get-a-little-bit-of-money-out-of-a-structred-settlement-or-do-you-have-to-get-the-lump-sum http://paymentsannuity.com/can-you-get-a-little-bit-of-money-out-of-a-structred-settlement-or-do-you-have-to-get-the-lump-sum#comments Fri, 02 Apr 2010 19:52:36 +0000 Editor http://paymentsannuity.com/can-you-get-a-little-bit-of-money-out-of-a-structred-settlement-or-do-you-have-to-get-the-lump-sum What is the JG Wentworth and is it a stupid thing to deal with them?

]]> http://paymentsannuity.com/can-you-get-a-little-bit-of-money-out-of-a-structred-settlement-or-do-you-have-to-get-the-lump-sum/feed 2 The concept of time value of money is important to financial decision making because..? http://paymentsannuity.com/the-concept-of-time-value-of-money-is-important-to-financial-decision-making-because http://paymentsannuity.com/the-concept-of-time-value-of-money-is-important-to-financial-decision-making-because#comments Thu, 01 Apr 2010 17:52:36 +0000 Editor http://paymentsannuity.com/the-concept-of-time-value-of-money-is-important-to-financial-decision-making-because a. it emphasizes earning a return on invested capital
b. it recognizes that earning a return makes $1 worth more today than $1 received in the future
c. it can be applied to future cash flows in order to compare different streams of income
d. all the above

As the discount rate becomes higher and higher, the present value of inflows approaches…
a. 0
b. minus infinity
c. plus infinity
d. need more information

You are to receive $12,000 at the end of 5 years. The available yield on investments is 6%. Which table would you use to determine the value of that sum today?

a. Present value of an annuity of $1
b. Future value of an annuity
c. Present value of $1
c. Future value of $1

As the interest rate increases, the present value of an amount to be received at the end of a fixed period…
a. increases
b. decreases
c. remains the same
d. not enough information to tell

As the time period until receipt increase, the present value of an amount at a fixed interest rate…
a. decreases
b. remains the same
c. increases
d. not enough information to tell

Mr Blochins is creating a college investment fund for his daughter. He will put in $850 per year for the next 15 years and expects to earn an 8% annual rate of return. How much money will his daughter have when she starts college?
a. $11,250
b. $12,263
c. $24,003
d. $23,079

Mr. Nailor invests $5,000 in a certificate of deposit at his local bank. He receives annual interest of 8% for 7 years. How much interest will his investment earn during this time period?
a. $2,915
b. $3,570
c. $6,254
d. $8,570

Sharon Smith will receive $1million in 50 years. The discount rate is 14. As an alternative, she can receive $2,000 today. Which should she choose?
a. the $1 million dollars in 50 years
b. $2,000 today
c. She should be indifferent
d. need more information

Mr. Fisher wants to build a house in 10 years. He estimates that the total cost will be $170,000. If he can put aside $10,000 at the end of each year, what rate of return must be earn in order to have the amount needed?
a. between 11% and 12%
b. between 8% adn 9%
c. 17%
d. none of the above

The shorter the length of time between a present value and its corresponding future value…
a. the lower the present value, relative to the future value.
b.the higher the present value, relative to the future value.
c.the higher the interest rate used in the present-valuation.
c. none of the above

A dollar today is worth more than a dollar to be received in the future because…
a. the dollar can be invested today and earn interest
b. of the risk of nonpayment in the future
c. inflation will reduce purchasing power of a future dollar
d. none of the above

The higher the rate used in determining the future value of a $1 annuity…
a.the smaller the future value at the end of the period.
b. the greater the future value at the end of a period.
c. the greater the present value at the beginning of a period.
d. None of the above – the interest has no effect on the future value of an annuity.

Mr. Darden is selling his house for $165,000. He bought it for $55,000 nine years ago. What is the annual return on his investment? …
a. 3%
b. Between 14% and 16%
c. 13%
d. none of the above

]]> http://paymentsannuity.com/the-concept-of-time-value-of-money-is-important-to-financial-decision-making-because/feed 1 How to create a hedge fund? How much money does a mutual fund managers make? http://paymentsannuity.com/how-to-create-a-hedge-fund-how-much-money-does-a-mutual-fund-managers-make http://paymentsannuity.com/how-to-create-a-hedge-fund-how-much-money-does-a-mutual-fund-managers-make#comments Thu, 01 Apr 2010 05:53:24 +0000 Editor http://paymentsannuity.com/how-to-create-a-hedge-fund-how-much-money-does-a-mutual-fund-managers-make I would like to know if there are any websites or decent books out there with good information on the creation of a hedge fund? Also, is there money to be made if you run a mutual fund? Like a John Montgamery at Bridgeway or Bill Miller at Legg Mason. If so, how is it calculated? Thanks in advance.

]]> http://paymentsannuity.com/how-to-create-a-hedge-fund-how-much-money-does-a-mutual-fund-managers-make/feed 1 How to receive full amount of child support and money owed through our divorce settlement? http://paymentsannuity.com/how-to-receive-full-amount-of-child-support-and-money-owed-through-our-divorce-settlement http://paymentsannuity.com/how-to-receive-full-amount-of-child-support-and-money-owed-through-our-divorce-settlement#comments Thu, 01 Apr 2010 02:56:16 +0000 Editor http://paymentsannuity.com/how-to-receive-full-amount-of-child-support-and-money-owed-through-our-divorce-settlement My ex owes me money from a divorce settlement and hasn’t paid me a dime. He also owes back child support and current child support but because he has another child from another relationship, the state of Indiana can not take out more than half of what he makes. What should I do to enforce him to pay the full amount of child support and the settlement from the divorce. Again if I take him to court what can I expect. His wages are already garnished and can’t be garnished anymore. Any suggestions?

]]> http://paymentsannuity.com/how-to-receive-full-amount-of-child-support-and-money-owed-through-our-divorce-settlement/feed 5 My employer announced factory shutdown within a year, should I move my 401k to bonds to save some money? http://paymentsannuity.com/my-employer-announced-factory-shutdown-within-a-year-should-i-move-my-401k-to-bonds-to-save-some-money http://paymentsannuity.com/my-employer-announced-factory-shutdown-within-a-year-should-i-move-my-401k-to-bonds-to-save-some-money#comments Tue, 30 Mar 2010 05:52:23 +0000 Editor http://paymentsannuity.com/my-employer-announced-factory-shutdown-within-a-year-should-i-move-my-401k-to-bonds-to-save-some-money I was advised by my employer the factory will close within a year. With the stock market falling we are getting big losses in our 401K’s. Would it be wise to adjust our portfolios to bonds and try to save our money? We still have 11 months to go.

]]> http://paymentsannuity.com/my-employer-announced-factory-shutdown-within-a-year-should-i-move-my-401k-to-bonds-to-save-some-money/feed 4 What is a good mutual fund to put my money in? http://paymentsannuity.com/what-is-a-good-mutual-fund-to-put-my-money-in http://paymentsannuity.com/what-is-a-good-mutual-fund-to-put-my-money-in#comments Mon, 29 Mar 2010 23:52:14 +0000 Editor http://paymentsannuity.com/what-is-a-good-mutual-fund-to-put-my-money-in I’m a 24 year old recently graduated from college and got a job.. I want to start saving up and while the money is not being used for anything, I though I might as well put it to work. So what is a good mutual fund to put my money in?

]]> http://paymentsannuity.com/what-is-a-good-mutual-fund-to-put-my-money-in/feed 1 If my recieves a 1099-r for money she gets from her divorced husband, who is retired, but she is not, does sh http://paymentsannuity.com/if-my-recieves-a-1099-r-for-money-she-gets-from-her-divorced-husband-who-is-retired-but-she-is-not-does-sh http://paymentsannuity.com/if-my-recieves-a-1099-r-for-money-she-gets-from-her-divorced-husband-who-is-retired-but-she-is-not-does-sh#comments Mon, 29 Mar 2010 19:52:06 +0000 Editor http://paymentsannuity.com/if-my-recieves-a-1099-r-for-money-she-gets-from-her-divorced-husband-who-is-retired-but-she-is-not-does-sh If my mom recieves a 1099-r for money she gets from her divorced husband, who is retired, but she is not can she claim the retirement income credit on her state tax?

]]> http://paymentsannuity.com/if-my-recieves-a-1099-r-for-money-she-gets-from-her-divorced-husband-who-is-retired-but-she-is-not-does-sh/feed 1 Money in a tax free money market mut fun, seeking principal protection, current monthly income, better method? http://paymentsannuity.com/money-in-a-tax-free-money-market-mut-fun-seeking-principal-protection-current-monthly-income-better-method http://paymentsannuity.com/money-in-a-tax-free-money-market-mut-fun-seeking-principal-protection-current-monthly-income-better-method#comments Sun, 28 Mar 2010 09:52:36 +0000 Editor http://paymentsannuity.com/money-in-a-tax-free-money-market-mut-fun-seeking-principal-protection-current-monthly-income-better-method I am looking to retain ownership of principal and no loss to principal value of a million dollars. I also seek current monthly income that could either be tax free or not, but preferably tax free. Wondering if there is a better method than the tax-free money market mutual fund to achieve higher return as rates are low, but still have principal and most importantly current monthly income. I am not looking for an annuity, again ownership of principal. Thank you in advance.

]]> http://paymentsannuity.com/money-in-a-tax-free-money-market-mut-fun-seeking-principal-protection-current-monthly-income-better-method/feed 3 Can I move my 401K money into Roth IRA after I got laid off from my company ? http://paymentsannuity.com/can-i-move-my-401k-money-into-roth-ira-after-i-got-laid-off-from-my-company http://paymentsannuity.com/can-i-move-my-401k-money-into-roth-ira-after-i-got-laid-off-from-my-company#comments Sat, 27 Mar 2010 11:52:11 +0000 Editor http://paymentsannuity.com/can-i-move-my-401k-money-into-roth-ira-after-i-got-laid-off-from-my-company I’m 57 year old and have 1 Million Dollars in my 401K with my current company. My job will be terminated at the end of this year 2008. Can I move money out of my company 401K account into a new Roth IRA account with a Discount Brokerage Firm ? If I can do that, what is the tax consequences ?

]]> http://paymentsannuity.com/can-i-move-my-401k-money-into-roth-ira-after-i-got-laid-off-from-my-company/feed 4 If I quit my job what happens to the money I have been contributing to my SURS retirement plan? http://paymentsannuity.com/if-i-quit-my-job-what-happens-to-the-money-i-have-been-contributing-to-my-surs-retirement-plan http://paymentsannuity.com/if-i-quit-my-job-what-happens-to-the-money-i-have-been-contributing-to-my-surs-retirement-plan#comments Fri, 26 Mar 2010 06:22:21 +0000 Editor http://paymentsannuity.com/if-i-quit-my-job-what-happens-to-the-money-i-have-been-contributing-to-my-surs-retirement-plan I work for a community College and we have to contribute to a retirement plan called SURS. I am planning on quitting but don’t know what happens to my money?

]]> http://paymentsannuity.com/if-i-quit-my-job-what-happens-to-the-money-i-have-been-contributing-to-my-surs-retirement-plan/feed 3 Finance help needed-interest rate, money markets, annuities? http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities#comments Fri, 26 Mar 2010 05:53:48 +0000 Editor http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities Money markets are markets for
Foreign currencies.
Consumer automobile loans.
Corporate stocks.
Long-term bonds.
Short-term debt securities such a Treasury bills.

2. Which of the following statements is CORRECT?

The most important difference between spot markets versus futures markets is the maturity of the instruments that are traded. Spot market transactions involve securities that have maturities of less than one year whereas futures markets transactions involve securities with maturities greater than one year.

Capital market transactions involve only preferred stock or common stock.

If General Electric were to issue new stock this year, it would be considered a secondary market transaction since the company already has stock outstanding.

Both Nasdaq dealers and “specialists” on the NYSE hold inventories of stocks.

Money market transactions do not involve securities denominated in currencies other than the U.S. dollar.

3. If the stock market is semistrong-form efficient, which of the following statements would be CORRECT?

The required returns on all stocks are the same, and the required returns on stocks are higher than the required returns on bonds.

The required returns on stocks equal the required returns on bonds.

A trading strategy in which you buy stocks that have recently fallen in price is likely to provide you with a return that exceeds the return on the overall stock market.

If you have insider information about a particular stock, you cannot expect to earn an above average return on this information because it is already incorporated into the current stock price.

Even if a market is semistrong-form efficient, an investor could still earn a better return than the market return if he or she had inside information.

4.
Suppose 1-year T-bills currently yield 5.00% and the future inflation rate is expected to be constant at 3.10% per year. What is the real risk-free rate of return, r*? Disregard cross-product terms, i.e., if averaging is required, use the arithmetic average.

1.90%

2.00%

2.10%

2.20%

2.30%

5.
Suppose the real risk-free rate is 3.50%, the average future inflation rate is 2.25%, and a maturity premium of 0.10% per year to maturity applies, i.e., MRP = 0.10%(t), where t is the years to maturity. What rate of return would you expect on a 5-year Treasury security, assuming the pure expectations theory is NOT valid? Disregard cross-product terms, i.e., if averaging is required, use the arithmetic average.

5.95%

6.05%

6.15%

6.25%

6.35%

6.
Which of the following would be most likely to lead to a higher level of interest rates in the economy?

Households start saving a larger percentage of their income.

Corporations step up their expansion plans and thus increase their demand for capital.

The level of inflation begins to decline.

The economy moves from a boom to a recession.

The Federal Reserve decides to try to stimulate the economy.

7.
Assume that interest rates on 20-year Treasury and corporate bonds are as follows:

T-bond = 7.72% A = 9.64%

AAA = 8.72% BBB = 10.18%

The differences in rates among these issues were caused primarily by

Tax effects.

Default risk differences.

Maturity risk differences.

Inflation differences.

Real risk-free rate differences

]]> http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities/feed 1 Can you please evaluate the three offers in Time Value of Money formula and provide the value of each offer? http://paymentsannuity.com/can-you-please-evaluate-the-three-offers-in-time-value-of-money-formula-and-provide-the-value-of-each-offer http://paymentsannuity.com/can-you-please-evaluate-the-three-offers-in-time-value-of-money-formula-and-provide-the-value-of-each-offer#comments Tue, 23 Mar 2010 08:23:06 +0000 Editor http://paymentsannuity.com/can-you-please-evaluate-the-three-offers-in-time-value-of-money-formula-and-provide-the-value-of-each-offer 1- 1 mil now + 200k from year 6-15. If product sold over 100mil in sales after 15 yrs. an addition 3mil. Dr. Wolf believes there is a 70% probability this would happen.

2- 30% of buyer’s gross profit on the product for the next 4 years. The offeree’s gross profit margin is 60%. Sales in yr. 1 projected at 2mil. and to grow 40% per yr.

3- Trust Fund set up for next 8 yrs. proceeds to Dr. Wolf discounted back at 10%. Fund has semiannual payments for next 8 years of 200k (400k per yr.) Payments start immediately at beginning of each period as an annuity due. To look up the FV in tables add 1 to n (16+1) and subtract from value in table. Assume the annual interest rate on annuity is 10% annually (5% semiannually) determine the present value of the trust fund.

Find the present value of each of the three offers and indicate which one has the highest present value, please show your work.

]]> http://paymentsannuity.com/can-you-please-evaluate-the-three-offers-in-time-value-of-money-formula-and-provide-the-value-of-each-offer/feed 2 How can I move my 401k money from my employer without leaving my job? http://paymentsannuity.com/how-can-i-move-my-401k-money-from-my-employer-without-leaving-my-job http://paymentsannuity.com/how-can-i-move-my-401k-money-from-my-employer-without-leaving-my-job#comments Sun, 21 Mar 2010 23:52:10 +0000 Editor http://paymentsannuity.com/how-can-i-move-my-401k-money-from-my-employer-without-leaving-my-job My employer does not contribute to my 401k. I want to move my money without penalty to another financial institution.

]]> http://paymentsannuity.com/how-can-i-move-my-401k-money-from-my-employer-without-leaving-my-job/feed 4 Divorce Question – Accountants/Lawyers/Financial Advisors – receiving large amounts of money? http://paymentsannuity.com/divorce-question-accountantslawyersfinancial-advisors-receiving-large-amounts-of-money http://paymentsannuity.com/divorce-question-accountantslawyersfinancial-advisors-receiving-large-amounts-of-money#comments Sun, 21 Mar 2010 20:22:46 +0000 Editor http://paymentsannuity.com/divorce-question-accountantslawyersfinancial-advisors-receiving-large-amounts-of-money If I were expecting to receive a large amount of money from a family member, or perhaps from a large commission, or even for the sake of argument, won some money in a lottery… how would i structure/invest/defer those monies for the future benefit of my children and I (college/retirement) but do so in a way that my leech of an ex wife never sees a dime? She is already wealthy, though, I have next to nothing for the time being. So if I receive the monies, but invest them, and don’t take any as income, but it is in my name, can she still dip her grubby little paws into it and take a portion? Or as long as I dont receive any annuity payments or take any lump some amounts as income, will I be okay? Also, if I were to take a small amount for a down payment on a home, or to buy a home outright, can Domestic Relations then consider that income, and make me pay her the amount she would have been entitled even if I dont have it anymore from putting it into the house? Would I be responsible for paying that amount when I sold the house, or would I have to pay her then or go to jail.

Please, detailed answers if possible. My ex is a very wealthy women, and still took everything from me. If I have a shot at protecting my future and having the opportunity to contribute to my childrens future, then I want to do it right, and safely, to protect myself. Thank you in advance for your comments and advice!

]]> http://paymentsannuity.com/divorce-question-accountantslawyersfinancial-advisors-receiving-large-amounts-of-money/feed 2 Filing IRS if money was received as beneficiary of annuity? http://paymentsannuity.com/filing-irs-if-money-was-received-as-beneficiary-of-annuity http://paymentsannuity.com/filing-irs-if-money-was-received-as-beneficiary-of-annuity#comments Thu, 18 Mar 2010 23:54:23 +0000 Editor http://paymentsannuity.com/filing-irs-if-money-was-received-as-beneficiary-of-annuity My mom had a non qualified tax deferred annuity in which I was one of the beneficiaries. Upon her passing this year, I received the check. I live overseas and my income is very small so I don’t report to IRS. However, with this money I received, I’m not sure if it is considered income or what and if I will have to file next year. I need to know now because other issues elsewhere depend on whether or not this is income. I tried calling the IRS but lines are always busy. Thank you for your help.

]]> http://paymentsannuity.com/filing-irs-if-money-was-received-as-beneficiary-of-annuity/feed 2 How much money did Captain Wentworth eventually make Jane Austen’s Persuasion? http://paymentsannuity.com/how-much-money-did-captain-wentworth-eventually-make-jane-austens-persuasion http://paymentsannuity.com/how-much-money-did-captain-wentworth-eventually-make-jane-austens-persuasion#comments Sat, 13 Mar 2010 09:22:25 +0000 Editor http://paymentsannuity.com/how-much-money-did-captain-wentworth-eventually-make-jane-austens-persuasion I’m doing a report for school, and I can not find this detail in the book. I thought it said its somewhere, but maybe I’m wrong. I know Captain Wentworth started out with no fortune, and that is why Anne originally broke off their engagement. However, he did go on to make a large amount of money in the Navy. I thought the book mentioned it somewhere, but I’m having a hard time finding it there or on the net. Does anyone know the amount?

]]> http://paymentsannuity.com/how-much-money-did-captain-wentworth-eventually-make-jane-austens-persuasion/feed 1 IRAs, 401s & Other Retirement Plans: Taking Your Money Out http://paymentsannuity.com/iras-401s-other-retirement-plans-taking-your-money-out http://paymentsannuity.com/iras-401s-other-retirement-plans-taking-your-money-out#comments Fri, 12 Mar 2010 02:23:34 +0000 Editor http://paymentsannuity.com/iras-401s-other-retirement-plans-taking-your-money-out

  • ISBN13: 9781413310313
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  • Notes: Brand New from Publisher. No Remainder Mark.

Buy Cheap IRAs, 401s & Other Retirement Plans: Taking Your Money Out

]]> http://paymentsannuity.com/iras-401s-other-retirement-plans-taking-your-money-out/feed 5 How much money must be deposited now, at 6% interest, compounded semiannually, to yield an annuity payment of? http://paymentsannuity.com/how-much-money-must-be-deposited-now-at-6-interest-compounded-semiannually-to-yield-an-annuity-payment-of http://paymentsannuity.com/how-much-money-must-be-deposited-now-at-6-interest-compounded-semiannually-to-yield-an-annuity-payment-of#comments Fri, 12 Mar 2010 02:23:26 +0000 Editor http://paymentsannuity.com/how-much-money-must-be-deposited-now-at-6-interest-compounded-semiannually-to-yield-an-annuity-payment-of How much money must be deposited now, at 6% interest, compounded semiannually, to yield an annuity payment of $4,000 at the end of each six- month period, for a total of five years?

]]> http://paymentsannuity.com/how-much-money-must-be-deposited-now-at-6-interest-compounded-semiannually-to-yield-an-annuity-payment-of/feed 2