In terms of of seeing the amount in a retirement plan statement.  I see a year beginning balance, a year ending balnance, and then a vested balance.  I am unfamiliar with this term.  I am curious becuase this vested balance is about 7 % less than the year end balance.
215958
Most (Many) retirement accounts have two contributors - You and your employer.\n\nYour contributions (together with gains/loss) are always yours.\n\nThe employer contributions, usually have a VESTING schedule. That is, they contribute, but do not allow you to have all of the money immediately. Unfortunately, it means if you leave the company after 1 year, you get your money, and a portion of your employer contributions.\nSo it could be like this: Year 1 20%, year2 40% and so on until year5 where it is 100% - this is when your year end balance will equal the vested balance. So if you left the company after year 5 you would get your money plus all the company contributions together with any gain/loss.\n\nLook at your retirement plan documents - or even call your HR department and ask them for further detail.\n\nGood luck
444196
Typically companies distribute their dividends quarterly.  Their is a date of record when the board of directors announces that the will pay a divident.  Then there is a payment date of the dividend which is usually posted with the date of record in the Wall Street Journal.  That is when the company pays its dividend.  It could be 45 days or more from the date of record.  If you have any questions about the stocks that you own you could call the investor relations people and they should give you a better idea of when and how much you should be receiving.
127390
Absolute Return is the return that an asset achieves over a period of time. This measure simply looks at the appreciation or depreciation that an asset make over a period of time.\n\nHowever return is not the same every year, A mutual fund  might be up 40% one year and down 5% the next. Compound Annual Return provides the annual return for such an investment as if it had grown at a steady, even pace. In other words, it tells you how much you would have to earn each year, compounded on your principal to arrive at the final selling value. \n\nFor example if you buy some mutual fund for $1000, 1 year later it is worth $1100, the absolute return for first year is 10%. At the end of year 2, it become worth $1440, the absolute return for second year is 30.9% (340/1100). But in term of compound annual return, it is 20% for these 2 years period. 1st year $1000x1.2=$1200, 2nd year $1200x1.2=$1440.
409094
Why do people respond when they do not know what they are talking about.  Of the first 4 answers, only one was correct.\n\n$10,000 * 5% = $500 (for a full year)\n\n$500 * 6 months/12 months = $250
653795
The *right* way to figure this out is to use an algebraic\nformula, but I think it's easier to visualize if you use a\nspreadsheet.\n\nIt's slightly difficult to present a table in Yahoo Answers\nbecause everything is jammed hard against the left\nmargin.  [I'm not sure why that's a feature.]  To help\nreduce the column misalignment, I displayed all of the\nnumbers with a constant width (ie. with leading zeros\nwhen necessary).  Bottom line is that you'd have\n$30344.87 at the end of eleven years.\n\nYear == years since start of account (in half year increments)\nRate == interest rate\nBalance == running balance of account\nInterest == interest payment for previous 6 months\n\n\nYear    Deposit     Rate   Balance  Interest\n\n00.00    820.00     0.000  00820.00   0000.00\n00.50    820.00     1.050  01681.00   0041.00\n01.00    820.00     1.050  02585.05   0084.05\n01.50    820.00     1.050  03534.30   0129.25\n02.00    820.00     1.050  04531.02   0176.72\n02.50    820.00     1.050  05577.57   0226.55\n03.00    820.00     1.050  06676.45   0278.88\n03.50    820.00     1.050  07830.27   0333.82\n04.00    820.00     1.050  09041.78   0391.51\n04.50    820.00     1.039  10214.41   0352.63\n05.00    820.00     1.039  11432.77   0398.36\n05.50    820.00     1.039  12698.65   0445.88\n06.00    820.00     1.039  14013.90   0495.25\n06.50    820.00     1.039  15380.44   0546.54\n07.00    820.00     1.039  16800.28   0599.84\n07.50    820.00     1.039  18275.49   0655.21\n08.00    820.00     1.039  19808.23   0712.74\n08.50    820.00     1.039  21400.76   0772.52\n09.00    820.00     1.039  23055.38   0834.63\n09.50    820.00     1.039  24774.54   0899.16\n10.00    820.00     1.039  26560.75   0966.21\n10.50    820.00     1.039  28416.62   1035.87\n11.00    820.00     1.039  30344.87   1108.25\n\nAdditional comment:\n\nOh man, I messed this up.  Thanks to "Mark Taranto"\nfor catching and correcting my mistake.  \n\nI took yet another look at this and want to\nwork through it carefully.  We appear to have\nas many different answers as there are people\nsubmitting solutions.\n\nOn day 1, Joanne put in $820, so that's her's balance.\n\nAfter 1/2 year, the bank would add half of 5% interest,\nwhich is 820*.025 = 20.50 and Joanne would add another \n$820.  So after six months, she would have:\n\n$820 + $20.50 + $820 = $1660.50\n\n\nAfter one year, the bank will again add half of 5% as\ninterest, which would be $1660.50 * 0.025 = $41.51.  \nThen Joanne would add $820, so the new total would be:\n\n$1660.50 + $41.51 + $820 = 2522.01\n\nContinuing this process in the spreadsheet, the\nfinal result after 11 years is:\n\n$23809.46\n\nThe corrected spreadsheet follows:\n\nYear  Deposit  Rate    Balance  Interest\n\n00.0  820.00  0.0000  00820.00  000.00 \n00.5  820.00  0.0250  01660.50  020.50\n01.0  820.00  0.0250  02522.01  041.51\n01.5  820.00  0.0250  03405.06  063.05\n02.0  820.00  0.0250  04310.19  085.13\n02.5  820.00  0.0250  05237.94  107.75\n03.0  820.00  0.0250  06188.89  130.95\n03.5  820.00  0.0250  07163.62  154.72\n04.0  820.00  0.0250  08162.71  179.09\n04.5  820.00  0.0250  09186.77  204.07\n05.0  820.00  0.0195  10185.92  179.14\n05.5  820.00  0.0195  11204.54  198.63\n06.0  820.00  0.0195  12243.03  218.49\n06.5  820.00  0.0195  13301.77  238.74\n07.0  820.00  0.0195  14381.15  259.38\n07.5  820.00  0.0195  15481.59  280.43\n08.0  820.00  0.0195  16603.48  301.89\n08.5  820.00  0.0195  17747.24  323.77\n09.0  820.00  0.0195  18913.31  346.07\n09.5  820.00  0.0195  20102.12  368.81\n10.0  820.00  0.0195  21314.12  391.99\n10.5  820.00  0.0195  22549.74  415.63\n11.0  820.00  0.0195  23809.46  439.72
623044
I believe apt means annual percentage.  So the answer is d, annual.
675133
The assets and liabilities should be arranged in balance sheet in some specific order. Arrangement of assets and liabilities in the balance sheet is called 'Marshalling of assets and liabilities'. There are two systems of arrangement of assets and liabilities in the balance sheet: \n \n(a) Order of Liquidity. \n(b) Order of Permanence.
636654
most companies will  pro-rate any paid vacation owed from the time of the year it became vested, minus any used time, and what part of the year your employment was terminated.\ni recently left such a job in april, and only received one weeks pay(i would have been entitled to take a total of 3 weeks this year) because i left after the 1st quarter of the yearly pay period\nask your human resource manager for their answer
439497
Its really not that complicated…  Look first there is APR and then there is APY.  APR means Annual Percent Rate.  And APY means Annual Percent Yield.  \nIn your example of 4% this is the annual rate, your monthly rate would be 4% / 12.  12 being 12 months in one year.\nAPY means your APR plus any compounded interest that was earned and added to your initial investment.  The APY should always be higher than the APR.  \n\nI hope this helped…
584788
When I drew the cash flow diagram, I got a diagram like this:\n\n       |----------750k -----750K ------ 750K ------  750K --------750K\n       |______|_________|________|__________|_______|                                                         \nYr 0-----1------------- 2 -----------3 ------------ 4------------- 5\n       |---------385K ------  385K ----- 385K ------ 385K --------375K\n\n\nSo, the annual project cash flow for years 1-4 would be 365K and  for year 5 would be 375,000.  \n\nDon't know what to do after this.\n\nHope this helps. ( Hope the diagram is clear ).
665464
Goose is right. The formula is:\n\nFV = P x e^(r x y) \n\nwhere FV = Future Value; P is your principal, r is the annual interest rate and y is the number of years of continuous compounding and e = lim(n-->inf) of (1+1/n)^n\n= 2.7182818.(about)\nHere's link which explains it quite well and also has a periodic/continuous calculator to fool around with.\n\nhttp://www.moneychimp.com/articles/finworks/continuous_compounding.htm
451398
3000 loss to be netted with any other gain/loss in 2005.  I can't remember the max write off per year for losses--i think it may be a max of 3000; however, subsequent losses can be carryed over i think to a max of five years.  consult cpa
542169
The shorter the interest term the faster it grows as the principal grows more quickly so you get more interest on your interest\n\nFor example lets look at the interest gained over 1 year on an interest rate of 12% per annum\n\nYearly: Well at the end of the year A = 1.12*P\nSo interest gained = 1.12*P - P = 0.12*P\n\nHalf Yearly: Well at the end of the year A = (1.06)*(1.06)*P (because the interest is applied each 6 months\n= (1.06)² * P\n= 1.1236*P\nSo interest gained = 1.1236*P - P = 0.1236*P > 0.12P\n\nQuarterly: Well at the end of the year A = (1.03)*(1.03)*(1.03)*(1.03)*P \n= (1.03)^4 * P\n≈ 1.1255P\nSo interest gained = 1.1255*P - P = 0.1255*P > 0.1236P\n\nMonthly: Well at the end of the year A = (1.01)*(1.01)* ... *(1.01)*(1.01)*P \n= (1.01)^12 * P\n≈ 1.1268P\nSo interest gained = 1.1268*P - P = 0.1268*P > 0.1255P\n\nDaily: Well at the end of the year A = (1.0003288)*(1.0003288)* ... *(1.0003288)*P \n= (1.0003288)^365 * P\n≈ 1.1275P\nSo interest gained = 1.1275*P - P = 0.1275*P > 0.1288P\n\nNow while it may not sound like much over 1 year over 20 years it can become significant\n\nJust quickly over 20 years\n\nYearly: Interest = ((1.12)^20 -1)*P = 8.6463*P\nHalf Yearly: Interest = ((1.06)^40 - 1)*P = 9.2857*P\nQuarterly: Interest = ((1.03)^80 - 1)*P = 9.6409*P\nMonthly: Interest = ((1.01)^240 - 1)*P = 9.8926*P\nDaily: Interest (using 365.25 days per year to account for leap years)= ((1.0003285)^365.25*20 - 1)*P = 10.0154*P
152128
Hi there again - just answered your other annuity question.\n\nI'm assuming you are accumulating it up to the END of year 5. \n\nI'm also assuming that by an ordinary annuity you mean one where the payments are made at the END of each year (so at times 1, 2, 3, 4, 5 in this case).\n\nFrom scratch you could calculate it as follows:\n\n300×1.07^4 + 300×1.07^3 + 300×1.07^2 + 300×1.07 + 300\n\nAs the first $300 is paid at time 1 (end of year 1) and accumulated 4 years to time 5. The 2nd $300 is paid at time 2 (end of year 2) and so is accumulated 3 years to time 5. And so on.\n\nThis gives a value of $1,725.22 (to the nearest cent).\n\nThe quicker way is to use the accumulated value of an annuity formula which (for $1 a year) is:\n\n[(1 + i)^n - 1]/ i\n\nSo (1.07^5 - 1)/ 0.07 = 5.750739...\n\nSo for $300 a year it is $300 × 5.750739... = $1,725.22\n\nThis formula is found in Actuarial Science courses. \n\nNote that it is less than your annuity due question as the payments are received later and so are invested later - hence less interest is received.
495219
Microsoft Excel can help with these kinds of calculations.  Though, an interest formula like this fails to take into account future additions to the principle of your retirement account.  Most people take some of each paycheck and put it into a retirement account rather than depositing a lump sum and forgetting about it.\n\nDon't forget to factor in inflation and taxes somehow!
503475
Performance Summary as on 30th June '06 \nScheme Performance\n(1 year) Annualised\nReturns \n(Since\nInception) Inception\nDate  \n(The first percentage is this years return.  The second % is the annual return since it started.  The date that follows is the inception date.)\nPreserver *                   6.03%     5.51%      17/May/04 \nProtector #                   3.41%      8.14%      16/Nov/01 \nBalancer ##                15.90%    17.50%      16/Nov/01 \nMaximiser ^                  42.08%   32.81%      16/Nov/01 \nPension Preserver *       5.99%     5.28%    17/May/04 \nPension Protector #       3.41%      6.39%     31/May/02 \nPension Balancer ##     16.63%   18.17%    31/May/02 \nPension Maximiser ^      42.07%   37.51%    31/May/02 \nInvestShield Cash #        4.40%     4.40%     04/Jan/05 \nInvestShield Life **         14.42%   11.41%    04/Jan/05 \nInvestShield Pension ** 13.19%    10.96%    04/Jan/05 \n \nThese funds have not been in effect long enough to give an accurate opinion.  I like to look at 3 year, 5 year & 10 year results.  You may want to look into other top ranked companies.  Get quotes from other top ranked companies here:\n\nhttp://www.insureme.com/landing.aspx?Refby=614505&Type=life \n\nTake care,\nRon @ InsureMe
240083
Those questions vary employer to employer.  If you right away go to another job that offers a 401k, you can roll yours into it.  If it's a while between jobs, you'd have to roll into over into an independent IRA.  You can cash it out but you will have to pay taxes on it.  It will be reported as income on your next tax return which will bump you into a higher tax bracket and more taxes.  \n\nLosing what your employer has put in depends on whether or not you are 'vested'.  For most companies, it's a year or two before you are vested.  Once you are vested, any money they contribute is yours regardless of when you leave or how.  If you're not vested, you could lose just a percentage of what they've paid in or all of it. Again, depends on the company.  Any money that you have contributed is yours and yours alone.\n\nSorry I can't be more specific but it's really a question for whoever takes care of the 401k stuff at your place of employment.