Friday, July 26, 2013

Cyclical and Non-Cyclical Stocks

http://stocks.about.com/od/understandingstocks/a/CNCstocks.htm

http://www.investopedia.com/articles/00/082800.asp

Cyclical stocks represent those items and services for consumers and businesses that they buy when confidence in the economy is high.

Non-cyclical stocks represent those items and services for consumers and businesses that they can’t put off no matter what the state of the economy.

The difference between cyclical and non-cyclical industries is simply the difference between necessity and luxury

Tuesday, July 9, 2013

Overseas Highway – Florida

Historic Columbia River Highway – Oregon

Pacific Coast Highway – California

Blue Ridge Parkway – Virginia to North Carolina

Going-to-the-Sun Road – Montana

Patchwork Parkway – Utah

Highway 61 along Lake Superior – Minnesota

Sarcasm Is The Body's Natural Defense Against Stupidity

Home equity loan vs. home equity line of credit - https://www.lendingtree.com/home-equity/equity-loan-vs-line-of-credit-article?topsell=qf

You can borrow against the value of your house through either a home equity line of credit (often called a HELOC or a line) or a home equity loan (often called a HEL or loan). Both are essentially a second mortgage.

A HELOC allows you to draw funds, up to a predetermined limit, whenever you need money. There is generally a minimum payment due each month, with the option to pay off as much of the line as you want. The way that you draw and repay funds for a HELOC is similar to the way you draw and repay funds for other revolving lines of credit, such as a credit card. With a HEL, you receive a lump sum of money and have a fixed monthly payment that you pay off over a predetermined time period. In each case, the amount you can borrow is based on factors such as your income, debts, the value of your home, how much you still owe on your mortgage and your credit history.

Generally, a HELOC is a good choice to meet ongoing cash needs, such as college tuition payments or medical bills. A HEL is more suitable when you need money for a specific, one-time purpose, such as buying a car or a major renovation.

Both HELOCs and HELs usually carry a higher interest rate than that of a first mortgage. With a HEL, you may choose either an adjustable rate that fluctuates according to variations in the prime rate, or you may opt for a fixed rate. A fixed rate enables you to budget a set payment monthly without worrying about increasing costs should interest rates rise. With a HEL, there are also closing costs that you should consider.

A HELOC usually carries a lower initial interest rate than a HEL, but its rate fluctuates according to the prime rate, so there is more interest rate risk. Unlike a HEL, where your monthly payments are a set amount, a HELOC enables you to borrow funds as needed and repay as little as interest only each month. In addition, there are generally no closing costs when you open a HELOC.

Home Equity Line of Credit (HELOC) Home Equity Loan (HEL)


What you get	Revolving credit, with a specific credit limit of up to 100 percent of the value of your home (its value minus all debts against it). Some lenders will allow you to borrow up to 125 percent of the value of your home.	A fixed amount of money, up to 100 percent of your equity in your home (its value minus your first mortgage debt and other debts). Some lenders will allow you to borrow up to 125 percent of the value of your home.

How to qualify	You typically need to provide proof of your income, home ownership, your mortgage and how much equity you have in your home. An appraisal is usually required as well.	You typically need to provide proof of your income and home ownership, and proof that at least 20 percent of the value of your home is paid off. An appraisal is usually required as well.

How you repay it	Minimum payments (as little as interest only) each month; eventually you have to repay the entire sum borrowed plus interest.	Fixed payments of interest and principal over a fixed period of time.

How long it lasts	You have a 10- to 20-year period when you can draw on the line (up to the credit limit), after which you have a fixed period to pay off the outstanding balance plus interest.	The term of the mortgage can be as short as a year or as long as 30 years.

Costs and fees	Usually no closing costs, but may have an annual fee.	Closing costs that are lower than for a first mortgage.

How you receive the money	You draw funds as needed, typically using special checks.	You receive one up-front lump sum.

Interest rate	The prime interest rate plus a margin (which can vary from one institution to another).	A fixed or adjustable interest rate.

Tax status	Interest may be tax-deductible (consult a tax advisor).	Interest may be tax-deductible (consult a tax advisor).

Tuesday, June 25, 2013

6/25/2013

Download Failed Virus Scan

(Fix for all Browsers)

1.click on the windows button +r together
type "regedit" and click ok or press enter

2.open the folders in succession as follows by clicking on the small triangle thingy to the left of the words that follow

3.HKEY_LOCAL_MACHINESoftwareMicrosoftWindowsCurrentVersionPoliciesAttachment

4.Once you have accessed the Attachments folder you should have ScanWithAntivirus
right click on it and choose Modify and put the value "1" (which equals "off")
Change 3 to 1

Friday, June 21, 2013

6/21/2013

Compare 2 tables. Get all values from table1 and not in table2 (outliers)

(select distinct column1 from Table1)
except
(select distinct column2 from Table2)

Select Table1.*
From Table1 LEFT JOIN Table2
ON Table1.column1 = Table2.column2
Where Table2.column2 IS NULL

SELECT *
FROM table1
WHERE column1 not in (SELECT column2 FROM table2)

Thursday, June 13, 2013

6/13/2013

For 2011, taxpayers may be able to claim the retirement savings contribution credit if their modified AGI is not more than:

$56,500 for Married Filing Jointly
$42,375 for Head of Household
$28,250 for Single, Married Filing Separately, or Qualifying Widow(er)

Determining the Amount of the Credit

The credit can be as low as 10% or as high as 50% of a maximum annual contribution of $2,000 per person depending on filing status and AGI. http://www.irs.gov/pub/irs-pdf/f8880.pdf

Import from Wordpress & Xanga

Thursday, August 8, 2013

8/8/2013