when it come to money market accounts, what does "7 day eff yield" mean?
544159
The average of the yields of the last 7 days.  You can use it to see which way rates are going if you didn't know otherwise.\n\nSo if my 1 day current yield is 4.08, but my 7 day is 4.01, we can see rates are rising.  \n\nConversely if my current day is 3.96, and my 7 day is 4.02, we can see that rates were higher over the last week than they are today, and they're moving downward.\n\nHope this helps!\n--J.
340215
The question isn't very clear, but I will do my best to answer. There is no such thing as a money market fund in foreign currencies, unless you actually open a foreign money market account ie: an australian bank money market account etc. I think you are talking about a liquid investment into a forex fund which I work with on a daily basis. The returns are significantly better by keep a liquid investment in a forex fund then investing in a foreign money market fund. If you would like more info. please email me.
202232
Yield is the actual earning that you get from an investment or deposit or even a loan.Banks give you yield when you put money in their plans and they get yield when you loan money from them.It is expressed in percentage and is usually termed APY.
673690
You mean Deutche Borse?  It depends on the stock but I've never had a problem there.  Clearing and settlement have been roughly similar to what I get for London or New York stocks.\n\nGo check www.clearstream.com.  That gives the days for different types of assets.
332971
a VERY SIMPLE example ...\n\nif you bought a t-note that was yielding 1% it means you would get $1/yr for each $100 of the note\n\nif interest rates went up to 2% someone would demand a return of $2 for each $100 of the note \n\nif you wanted to sell your note you would get $100 for every $2 worth of yield you handed over (you would have to hand over $200 face value of your 1% bills for only $100 in order for the buyer to get a yield of $2 for their $100 investment)
410999
Go to morningstar and look up the weighted average PE ratios of the funds for stock funds and duration for the bond funds.  As most funds underperform the indices over time, treat them as index funds.\n\nFor stocks, never hold a fund with a PE over 15.  It works out that unless your expected return is very low, fifteen is a good rule of thumb for discounted cash flows to time 0, as an upper bound for price.  You can take the PE, find the estimated growth of the indices and go to moneychimp.com and estimate return.  Keep tinkering with the growth rate until 1.00 in earnings yields a PE of the same value.\n\nFor bond funds, look up the duration and credit quality.  Junk bonds can lose extraordinary amounts in stressful times.  I remember a time in the '90's where one third of junk simply was written off the balance sheets of funds.  In any case, look up the duration.  Figure out the weighting between classes (morningstar should tell you) and go the the Financial Times of London or Barrons or the Wall Street Journal and look up the yield for that approximate duration or average maturity.  That minus the fees will be your yield.\n\nCompare this to your goals.\n\nMy guess is that if you do this, you will be in for a shock and be very upset and disappointed.  You might then look at bankrate.com and buy a moneymarket or CD from GMAC Bank or the State Bank of India (member FDIC).  You will likely do better than in the markets.  Prices are high in most funds relative to what they provide.\n\nMy checking account at GMAC Bank pays me 4.65% and I am globally among the best investors in the world, from a purely statistical perspective.  Most general public investors are in over their heads but they don't know it.  The professionals don't want to tell people because if you withdrawal your money they get lower fees.\n\nThere are not a lot of funds that are reasonably priced compared to their underlying assets, and have a good management history.  I know, I have looked and I am trained to evaluate portfolios.
247486
"Only init 4 profit" seems like a nice person, and I have to say I love the name. I would like to add to what he said about the 3 day settlement period. You can buy and sell all you want as quickly as you want you just have to meet SEC requirnments. There are basically two laws that apply here, the settlement one and a day trading one. the settlement one has been covered by "only init 4 profit" and the daytrading one just states that no more than 3 day trades can be made within 4 business days. Now the law also says that you can have permission to get around them if you meet certain requirnments, they simply are to have a margin account type with a minimum of $25,000 in the account at all times. If it goes below 25,000 you have to stop making more than 3 trades within 4 busibness days untill it gose back over the 25,000 mark. also by having a margin account you never have to worry about the settlement dates no matter what the account value is.\n \nAlso if you are looking for an online broker, I use Scottrade, they are very cheep $7 trades for market and limit orders.\n\nHope this helps.
238940
Follow the 10 year treasury bond.  If interest rates in the US go up, then this attracts $$$ to dollar denominated investments which makes the $$$ stronger against other currencies.  \n\nIn the last week, it has moved from 4.65% to 4.85%.  The trend is for higher rates, but anything can happen in a week.  You can follow the bonds on yahoo finance, symbol ^TNX.  When you get a quote, you move the decimal point one place to the left and you have the yield.\n\nGood luck!!
515072
Most bank use " average daily balance" to compute the interest of a simple checking/savings account.As this is how most banks earn their money,based on their average daily balance.The make money on your money ,or in street terms " other peoples money ".Sometimes some banks offer more interest on your money if it is left in the bank for a longer period of time. If enough people in the banking system do this it increases the average daily balance for the bank which in turn increases the amount of money the banks make/have.
11188
It should not make a difference. If you make a deposit  on a sunday, it will appear on your statement as dated for the following business day. Keep in mind that the bank can hold the check for up to 10 days before making the funds available to you - you can assure that this does not happen by asking if the funds are going to be available for immediate withdrawl - of course only if you deposit it in person.
29951
Money Market is simply a generic name used to describe the market wherein banks and other financial institutions lend, borrow and trade money, Certificates of Deposit and other financial instruments. \n\nA Money Market Account is basically a premium account, or a high interest savings account.
312299
You may be able to find the answer here.....\n\nhttp://www.fool.co.uk/news/comment/2006/c060317e.htm?ref=foolwatch\n\nI know it's April 1st and the link includes the word fool, but it's not a wind up...it's a link to The Motley Fool, a really good financial advice site
809503
The yields on government bnds fluctuate almost on a daily basis and especially during monthly interest rate revisions. Therefore, the same bond bought at different times would yield a different return. \n\nHope this helps.\n\n\nhttp://www.mastersoequity.com\n\n\n.
29976
the simple method is when your current liabilities are greater than your current assets and your long term assets are not easily liquidated/borrowed against AND your prospects for future cash flow do not appear to be able to cover your future immediate liabilities.  Also, if you are avoiding creditor calls (business or personal) for most of your day, it's probably time to file or close down.
1170586
What you are hoping to capture by buying a calendar spread is the decay of the first expiring option relative to the decay of the second. Read "Options as a Strategic Investment".\n\nA short term option loses its time value faster than a longer term option. So, if the decay on the longer is a penny a day...and the decay on the shorter option is 1/8 a day...you are capturing 11 1/2cents per day and protecting yourself in case of a big market move. Is it a given that you'll make money??? Absolutely not. Every time you think that, think to yourself "there are a million other people out there that have thot about this for at least 25 years...chances are I am not thinking anything original" !
331731
(m)\n\nOverdraft - The amount by which withdrawals exceed deposits, or the extension of credit by a lending institution to allow for such a situation. \n\ncash credit - A short-term cash loan to a company. \n\n\nThe difference is very subtle and relates to the operation of the account. In the case of Cash Credit, a proper limit is sanctioned which normally is a certain percentage of the value of the commodities/debts pledged by the account holder with the Bank. Overdraft, on the other hand, is allowed against a host of other securities including financial instruments like shares, units of mutual funds, surrender value of LIC policy and debentures etc. Some overdrafts are even granted against the perceived "worth" of an individual. Such overdrafts are called clean overdrafts.
472783
You won't make much money in MM funds, but you won't lose anything.\n\nMoney market instruments are short term, high credit quality investments.  Some are backed by the government (T-Bills are money market instruments).  Others such as banker's acceptances, eurodollar deposits and commercial paper are backed by high quality corporations.\n\nBetween 1972-2000, there were 11 defaults among the 4354 commercial paper issues rated by Moody.  All were caused by a crisis of liquidity, and all investors were eventually paid.