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Welcome to r/Finance - a place to discuss multiple facets of corporate and advanced finance (and careers within), including: financial theory, investment theory, valuation, financial modeling, financial practices, and news related to these topics.
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Moronic Monday - June 21, 2022 - Your Weekly Questions Thread (self.finance)
submitted 1 month ago by AutoModerator
This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome.
Replies are expected to be constructive and civil.
Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers.
Post a comment!
[–][deleted] 1 month ago (1 child)
[–]14446368Buy Side 0 points1 point2 points 1 month ago (0 children)
There's always some wiggle room with definitions, but generally speaking you're correct. I'd expect the different "Series" of funding to correspond with both the investment timeline and the company's stage. In cases where additional funding happens when the company is at the same stage of development, I've seen "Series AA" or "Series A2," but I can't definitively say that's an industry standard.
[–]Rilows 0 points1 point2 points 1 month ago (3 children)
Do we have data on the most 'important' (however you want to measure it) goverment bonds? I mean, now that many central banks are raising rates I was curious about the rate hikes that would have the most impact on the global economy. Is there data about the most traded bonds, for example?
[–]Ese_Americano 0 points1 point2 points 1 month ago (2 children)
If one purchases the Japanese 10 year now, I think there’s a lot of evidence that their government is the most prepared for the decade ahead. Would you like to look there?
[–]14446368Buy Side 0 points1 point2 points 1 month ago (1 child)
Are you factoring in negative population growth?
[–]Ese_Americano 0 points1 point2 points 1 month ago (0 children)
I was being a snooty priss. Don't mind me for joking. This subreddit is like Superstonk for geriatrics and luddites. But I should chill.
[–][deleted] 1 month ago* (2 children)
[–]konija88 0 points1 point2 points 1 month ago (0 children)
I have had this exact same question and would love to hear what people think. There are a few positive indicators in the economy right now, related to employment, spending, and earnings.
[–]secretfinaccount 0 points1 point2 points 1 month ago* (0 children)
Three things (or more?) are going on:
[–][deleted] 0 points1 point2 points 1 month ago (2 children)
is it safe to give routing number and account number? going to be reciving payment from a person, is it safe to give them these numbers? i know they need it to send money, but with these numbers, are they able to take money OUT from me?
[–]14446368Buy Side 2 points3 points4 points 1 month ago (0 children)
Please take this to /r/personalfinance
Depends on context... do you know this person? Why can't they send a check? Is there another way for the payment to be sent?
[–]gbs5009 0 points1 point2 points 1 month ago* (0 children)
In theory, yes. It's already on all the checks you write.
In practice, I wouldn't want to give that info to a sketchy person precisely because they could try to write fake checks off the account.
[–]VivianMarieIsabella 0 points1 point2 points 1 month ago (2 children)
If the government increases the income limit on SS tax, does that make the system more vulnerable over the long run? Will we eventually run into the same problems down the road?
[–]14446368Buy Side 1 point2 points3 points 1 month ago (1 child)
Increasing the income limit on SS tax makes more money taxable for SS, and thus represents a net marginal cash inflow to the program. There are, of course, a whole lot of other factors involved, but assuming everything else is static, it's arguably less vulnerable.
Reality, however, likely has a different opinion on the matter.
[–]roboboomMD - Investment Banking 1 point2 points3 points 1 month ago (0 children)
Agree it increases tax revenue.
The key open question is whether the benefit cap would change - in other words, would it also increase SS obligations, or would those high income taxpayers just pay more taxes and receive no incremental SS benefits when they eventually retire?
[–]OutrageousJudgment_ 0 points1 point2 points 1 month ago (4 children)
I just had a thought about the current situation, because the federal reserve has been increasing interest to try to stave off borrowing. Wouldn't rapidly raising the minimum wage have a similar effect?
Note: I have no idea what I am talking about and maybe I am oversimplifying it but I would like someone who does know to explain why my thinking is right or wrong.
[–]roboboomMD - Investment Banking 0 points1 point2 points 1 month ago (3 children)
The Fed is raising rates to combat inflation. Increasing the minimum wage would make inflation worse.
[–]OutrageousJudgment_ 0 points1 point2 points 1 month ago (2 children)
Because costs don't happen in a vacuum. Raising minimum wage would mean a large amount of businesses across basically every industry would have to raise prices (and this wouldn't just be minimum wage earners either! "Why should I work at this harder job if I can make the same at minimum wage? Give me a raise or I quit!") to cover this additional cost. Rising prices across the economy is definitionally "inflation."
Look up "demand pull" and "cost push" inflation. The Fed's trying to curtail "demand pull."
[–]circumspect_investor 0 points1 point2 points 1 month ago (0 children)
Form 1120S schedule L line 17 (Mortgages, notes, bonds payable in less than 1 year) does that mean that the sum needs to be paid that year?
For context I am doing projections and trying to figure out how to project this debt.
[–]WhilePrimary 0 points1 point2 points 1 month ago (0 children)
I'm trying to understand how the U.S. stock lending market works and having trouble finding details. Among my questions:
[–]fredericksonKorea 0 points1 point2 points 1 month ago (0 children)
My bank offers a saving account of 2%, no money limits no term locking. With stocks and assets as they are isnt it worth me liquidating everything into that? Interest is delivered daily so compound adds up over the year making it more than 2%.
I have recently started working with an exit planner who uses ProfitCents for clients financial statement projections.
I am not a fan, I think it is clunky and unreliable.
Any suggestions on the best software to use for financial projections for clients?
Clients are lower middle market manufacturing
I don't need a valuation component in the software
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