Credit access line vs Credit limit
A credit access line and a credit limit are two different things, even though they are often confused. A credit access line is an amount of money that you can borrow from your lender at any time. This is not a fixed number like your credit limit, but it is based on your income and credit score. Your credit limit,...
Security analysis vs intelligent investor
There is a big difference between a security analyst and an intelligent investor. Security analysts are focused on the numbers, while intelligent investors are looking at the company as a whole. Security analysts will look for small value discrepancies in order to make a profit, while intelligent investors are looking for undervalued or overvalued stocks with potential long term growth...
All You Need to Know About Implied Shares Outstanding
Have you ever heard of implied shares outstanding? If not, don't worry - you're not alone. Many people are unfamiliar with this term, even though it's an important concept in the world of finance. Put simply, implied shares outstanding is a measure of how many shares of a company's stock are currently being traded in the market. In this...
The Merger of Johnson Controls and Tyco
On September 2016, Johnson Controls and Tyco completed a merger of equals to create a global leader in buildings and energy. Shareholders of Johnson Controls received 1.28 common shares of the new company, now named Johnson Controls International plc (NYSE: JCI), for each Johnson Controls share held. The merger combined complementary portfolios, technologies, products, services, geographies, installed bases, and channels...
The Consequences of Bidding at an Auction and Not Paying
If you're thinking of bidding at an auction, it's important to know what happens if you don't pay. There are real consequences for not paying, and they can be serious. In some cases, you could even go to jail. So before you bid, make sure you understand the terms of the auction and are prepared to pay if you...
An Overview of NFL Players’ Charity Work
In recent years, the National Football League (NFL) has been the subject of intense scrutiny when it comes to the issue of player safety. However, one thing that often gets overlooked is the amount of charity work that many NFL players do on a regular basis. Despite what some people might think, NFL players are not required to do charity...
The Importance of the Consumer bonus section 11042
The Consumer bonus section 11042 is a federal law that was implemented in order to protect consumers from unfair or deceptive practices. This law is important because it ensures that businesses are transparent in their dealings, and that consumers are not being taken advantage of. Let's take a closer look at the Consumer bonus section 11042 and why it...
Do I Endorse a 401k Rollover Check?
Every now and then, someone will ask me whether or not they should endorse a 401k rollover check. The answer to this question is not as straightforward as you might think. Here's what you need to know. When you leave your job, you have the option of rolling your 401k into an IRA. If you do this, you will receive...
Dividends and Capital Gains Reinvestment Transfers to Your Money Market Settlement Fund
When you invest in a company, you become a shareholder. As a shareholder, you may be eligible to receive payments from the company in the form of dividends. Dividends are typically paid out quarterly, and you have the option of reinvesting them back into the company (this is known as a dividend reinvestment program, or DRIP). You may also receive...
How to Remove a Name from a Car Title in California
In California, the process for removing a name from a car title is simple. The first step is to request a duplicate title from the DMV. Once you have received the new title, fill out the pertinent information and sign the document. Next, mail the completed form to the DMV with the required fee. The whole process can be...