Finance Quotes

Real-Time Stock Quotes
Finance Quotes / Stock Market

Real-Time Stock Quotes

- by Juana Baumgartner

Stock quotes are a valuable tool for investors who want to know the price of a particular security. However, the stock market is volatile and quotes can fluctuate quickly from one minute to the next.

Most financial websites and networks provide delayed quotes. These show where a stock stood 15 or 20 minutes ago. They’re enough information for most investors who don’t intend to trade the stock.

Real-time quotes are more accurate

The stock market is a dynamic and highly volatile place. Some actively traded stocks can shift in price dramatically from one minute to the next, or even second by second.

This makes it important for active traders and investors to know the real-time value of a particular stock at all times. This information can be useful in determining whether a certain stock is worth buying or selling.

Investors may not need to read stock quotes in real-time, though; they can use delayed quotes instead. These quotes, which typically lag behind real-time ones by several minutes, are less precise than their real-time counterparts but still provide useful information for making decisions about investing.

In most cases, financial news services such as Reuters offer both real-time and delayed stock quotes. They also include other information, such as after-hours trade details and other supplemental data. Some of these sites are free, while others charge a fee for access to real-time quotes and other data.

They are more convenient

Unlike delayed stock quotes, real-time quotes are more convenient for active traders and investors. They rely on real-time price fluctuations based on market volatility to help them decide whether or not they can execute their trades successfully.

They also display supplementary information, including bid prices and ask prices, price changes on a given day, trading volume and the last trading price of a …

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Motivational Quotes for Finance
Finance Quotes / Personal Finance

Motivational Quotes for Finance

- by Juana Baumgartner

Motivational quotes can inspire us, uplift our spirits, and boost our confidence. They can also lighten our moods, reinforce an idea, and showcase our knowledge.

Financial motivational quotes can also help you focus on your goals and keep you on track to make them a reality. Whether you’re working toward a debt snowball payment, saving up for that vacation, or building credit, here are some inspiring finance quotes to help you along the way.

1.   Don’t let money be the master

There are a few things that you should keep in mind when it comes to finance. The first thing is that money is not the master.

The Bible says that we should not love wealth more than God. It is a snare and a lure that will pull us away from him (see Mat 6:33).

We should seek God first, then we can serve him with our wealth and our possessions.

It does not mean you will not enjoy wealth, but it is a wise choice to do so with a balanced perspective and disciplined stewardship.

This quote by one of America’s founding fathers is particularly applicable when it comes to credit and finances, as he warns against small leaks that can derail an otherwise solid budget.

2.   Make your money work for you

One of the best ways to make your money work for you is to plan and budget. Creating and following a budget will help you keep track of your expenses, understand where your income is going and determine where to cut back on expenses.

Another great way to save money is to take advantage of rewards for everyday purchases and items that you already spend on. This can include using credit cards to earn cash back on gas, groceries or other purchases.

Phineas Taylor Barnum, …

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Accounts Receivable Financing - Don't Be concerned, Be Satisfied
Personal Finance

Accounts Receivable Financing – Don’t Be concerned, Be Satisfied

- by Juana Baumgartner

There is certainly an explanation why accounts receivable financing is a four-thousand-year-old financing approach: it functions. Accounts receivable financing, factoring, and asset-based financing all imply the identical thing as related to asset-based lending- invoices are sold or pledged to a third-celebration, typically an industrial finance company (often a bank) to accelerate cash flow.

In easy terms, the process follows these steps. A small business sells and delivers an item or service to a different enterprise. The client receives an invoice. The company requests funding from the financing entity along with a percentage of the invoice (usually 80% to 90%) is transferred to the company by the financing entity. The client pays the invoice straight to the financing entity. The agreed-upon fees are deducted plus the remainder is rebated to the business by the financing entity.

How does the consumer know to pay the financing entity rather than the business enterprise they may be getting goods or services from? The legal term is called “notification”. The financing entity informs the client in writing with the financing agreement as well as the client have to agree in writing to this arrangement. In general, if the customer refuses to agree in writing to spend the lender in place of the enterprise offering the goods or services, The financing entity will decline to advance funds.

Why? The principle security for the financing entity to be repaid may be the creditworthiness of the customer paying the invoice. Before funds are sophisticated towards the organization there is a second step referred to as “verification”. The finance entity verifies using the customer that the goods happen to be received or the services were performed satisfactorily. There getting no dispute, it truly is reasonable for the financing entity to assume that the invoice is going to be paid; …

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3 Levels of Estate Financial Arranging
Personal Finance

3 Levels of Estate Financial Arranging

- by Juana Baumgartner

The 5 levels of Estate Financial organizing is often a systematic approach for explaining Estate Financial Planning Financial inside a way that you can simply follow. Which is the 5 levels you must complete is determined by your specific objectives and situations.

Level One: The fundamental Plan

The scenario for level a single preparing is the fact that you’ve no will or living trust in location, or your existing will or living trust is outdated or inadequate. The objectives for this sort of arranging are to:

  • reduce or remove Estate Financial taxes;
  • avoid the price, delays, and publicity related to probate in the occasion of death or incapacity; and
  • protect heirs from their inability, their disability, their creditors, and their predators, such as ex-spouses.

To accomplish these objectives, you would use a pour-over will, a revocable living trust that allocates a married person’s Estate Financial in between a credit shelter trust along with a marital trust, common powers of lawyer for economic matters, and tough powers of attorney for health care and living wills.

Level Two: The Irrevocable Life Insurance coverage Trust (ILIT)

The circumstance for level two organizing is the fact that your Estate Financial is projected to become higher than the Estate Financial-tax exemption. While there is certainly a present lapse within the Estate Financial and generation-skipping transfer taxes, Congress will likely reinstate both taxes (probably even retroactively) sometime this year. If not, on January 1, 2011, the Estate Financial tax exemption (which was $3.5 million in 2009) becomes $1 million, as well as the prime Estate Financial tax price (which was 45% in 2009), becomes 55%. In any occasion, you can make cash gifts to an ILIT utilizing your $13,000/$26,000 annual gift-tax exclusion per beneficiary.

Level Three: Family members Restricted Partnerships

The predicament for level 3 planning …

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An Estate Planning Questionnaire - A Guide for Families
Personal Finance

An Estate Planning Questionnaire – A Guide for Families

- by Juana Baumgartner

An estate planning questionnaire sounds like a tedious and difficult document-but it needn’t be. It can function as a guide for families through what’s typically an overwhelming process. Planning is the best approach to result in the estate-planning process as smooth as you possibly can.

You may wish to begin submitting this type of questionnaire ahead of utilizing an attorney-and after that your lawyer will help you with the finer points. Following is a help guide the sort of information you’ll need to gain access to or bring together with you once you speak to your attorney.

Personal Information. Many of this private information is straightforward and doesn’t require much digging or research.

Social security number Military service & serial number Divorce or past marriages Names, birthdates, addresses and marital status of children and grandchildren Prenuptial agreements Special needs Prepaid cemetery plots or funeral expenses

Financial Information. Spend some time gathering account numbers, statements, and key information about the next bits of your finances.

Home/mortgage deeds Stocks, bonds and mutual funds Bank accounts and CDs 401Ks, IRAs and pension plans Business interests Personal property Life insurance and annuities Loans and debts owed

Management Decisions. Consider beforehand who you need to execute the details of your estate and definitely will.

The executor and trustee Beneficiaries and alternates Special gifts Guardian for children

Medical Care. In the event, you get ill and cannot make decisions yourself, look at the decisions you’ll want to be completed. Be ready to discuss the next items.

Current health conditions Health insurance

As you navigate each of the options, conversations, and decisions of pre-need planning, make sure you use common sense and steer clear of scams, that are unfortunately too prevalent. And on the greater compassionate side in the equation, make sure to care for you and …

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