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The Best Loan Advice for Car Financing

By: Edward Sirianni|In: Stock Prices|Last Updated: December 27, 2019

When you are applying for a car loan or any form of loan for that matter it is always advisable to seek some kind of loan advice before committing to any one company. You can seek independent loan advice from a specialist company who deals with this or you can seek advice from a finance company. The best finance companies should be able to offer you some form of guidance, therefore take advantage of any expert advice offered before making your final decision.

What should you look for when applying for a loan?

When you are applying for a loan you should consider the following:

– How much you can afford to spend on repayments

– How long do you want to borrow the money for?

– Interest rates

– Are you in a stable job?

– Your credit rating

– Do you have the funds for a deposit?

– …

By: Edward Sirianni|In: Structured Finance|Last Updated: January 20, 2019

Alternative Minimum Tax Planning - Investments - Capital Gains — image source

Capital gains are income derived from the sale of property, most typically investment property. While capital gains are not directly an AMT preference item, they do have an impact on a taxpayer’s Alternative Minimum Tax, and, therefore, are an essential element of AMT planning. One real-life scenario with which the writer is familiar involved a retiree with what one would call a typical investment portfolio, including mutual funds, and it was solely a larger-than-usual year-end capital gain distribution from one mutual fund that threw that individual into the AMT.

For a little review, capital gain income historically has been taxed at a rate lower than the rate that applies to other, “ordinary,” income such as salaries and wages and interest income. This lower rate applies only to “long-term” capital gain (LTCG), which means the taxpayer must hold the property for over one year before selling it. Under current …

By: Edward Sirianni|In: Stock Prices|Last Updated: December 10, 2018

Understanding The Forex - What Is Position Trading? — image source

Position trading refers to the style of trading in which trades are taken and held for a considerable period of time, anywhere from several days to several months. The majority of long term investors practice this style of trading because of its many benefits. Position traders usually do not bother themselves about fluctuations, which in most cases tend to be short-lived. Investors using this style of trading study long-term time charts such as weekly and monthly charts to identify potential trade opportunities.

When practicing position trading, you are not entering a position in the market and quitting it at the end of the trading day. Position trading involves entering a position with a longer time perspective. Position traders aim to identify trade opportunities in financial instruments where the technical trends and/or the fundamental analysis of the instrument imply a large movement in price that is about to take …

By: Edward Sirianni|In: World Finance|Last Updated: October 20, 2018

Money has become the recognized form utilized in the purchase of wares and goods. Because of the world stock exchange and the appreciation or depreciation of money values, the monetary values for a country’s currencies will vary when translated to another country’s monetary values. For instance, one will read in the news where the German Mark, which is equivalent to a dollar in Germany, would transfer as the equivalent of twenty five cents in American Dollars.

The value of the American dollar has always been a matter of concern for most Americans. The depreciation in value means lower monetary gain through foreign trades like the U.S. wheat and other exports.

Some of the reasons analysts have attributed to this depreciation is what economists call inflation. For some reason, prices in the U.S. have been getting higher and higher and have sometimes surpassed the actual value of some of the wares …

By: Edward Sirianni|In: Us Stocks|Last Updated: September 29, 2018

us stocks indexMicrosoft PowerApps and Flow are two great tools that can be used to be more productive. Bell (1973) , pointed out that the inflows into Europe in 1970 and 1971, led to increases in European central bank? holdings of dollars. The Bundesbank was impacted to a higher extent than other central banks, and this was reinforced following February 1971 by speculative stress against the dollar, and in favour of the DM and to a lesser extent the Swiss-Franc (SFr). Given, that the dollar inflows from the underlying US balance of payments deficit, had been maybe only a quarter of the total dollar flow in Western Europe, and Japan over the year to August 1971 , the Euro-dollar market may have tremendously magnified the issue of the dollar. Bell concludes that the existence of the Euro-dollar market place most likely brought on re-alignment and the subsequent breakdown to happen …