# Money.stackexchange.com

## accounting

Typically, in a retail setting, if a seller allows combining dollar-off coupons with percent-off coupons, the dollar-off will be applied first, because this is to the seller's advantage. On the other hand, if the dollar-off discount is in the form of a cash-equivalent like a gift card,

Actived: 8 days ago

### Am I calculating this correctly

I usually wait until the coupons from Restaurant.com are on sale for \$2 or \$4 for a \$25 off coupon. When it costs \$10 or \$15 for a \$25 coupon full of conditions I don't get enough value vs. headache for the deal. – Alex B Jan 16 '12 at 18:39

Category:  coupon codes

### bonds

Look at it this way - a 10 year zero coupon bond has a duration of 10 years. But a year later, its duration is 9 years, as that's the time left. For bonds with a coupon, the duration changes both as time passes and as the coupons are paid out.

Category:  coupon codes

compute the price of a 90-day zero coupon bond with a face value of \$100 if the market yield is 6 percent. This is a question from a textbook: compute the price of a 90-day zero coupon bond with a face value of \$100 if the market yield is 6 percent Unless indicated otherwise, assume that 1 year = 365 days, bond-coupons.

Category:  coupon codes

### The best credit card for people who pay their balance off

The answer gets more complicated if you like miles, or you want to use one card for groceries and gas and another for restaurants, etc. But the Fidelity Amex gives you 2% on everything you purchase, automatically deposited into your Fidelity account as cash (no coupons to rip off, or checks to deposit).

Category:  coupon codes

### scams

If they really want to pay off your credit card, then take one of the payment coupons from the bottom of a paper bill, make 10 copies of it, and send that to them by postal mail. They can send a paper check in to the credit card company if they are serious. But even this is dangerous; they could "accidentally overpay" it and then say "Oh, and

Category:  Credit

I'm looking at Disney's website and it looks like I might have got ripped off. The same 2 day " travel discount. asked Aug 9 '16 at 3:40. Emily. 1,089 1 1 gold badge 8 8 silver badges 10 10 bronze taxes canada discount product-coupons. asked Dec 18 '13 at 14:52. DJClayworth. 27.2k 6 6 gold badges 76 76 silver badges 99 99 bronze badges-1

Category:  Travel

### Can I get a discount on merchandise by paying with cash

When I refused the payment plan/loan, his manager came over and did a hard sell. "99% of buyers take the financing" was the best he could do. I told him I was going to be part of the 1%. With rates so low, his 2 or 3% offer was higher than my own cost of money. He went so far as to say that I could just pay it off

Category:  coupon codes

### websites

1. It's not a scam. They just want you to be an Amazon customer for many years and you'll be advertising Amazon to anyone who sees your credit card. \$50 is known as the cost of "customer acquisition" and it is a very good deal for someone who may become a Prime member and spend \$1000s a year on Amazon. Share.

Category:  Credit

### savings

It doesnt have to be a crazy target - just something you can achieve easily. Mark a 'tick' mark next to every day on the calendar that you meet that target (or spend less than the target). Gradually the momentum from the past few 'ticks' will automatically compel you to want to tick off the next day. At the end of each week, lower the target a

Category:  coupon codes

### Can people make a profit (in gift cards) when shopping

FWIW I was able to get stuff for free using rebates and coupons, but not at that scale. I guess if you accumulate enough coupons/rebates and use them all at once on various unrelated purchases you can pull such a trick off once in a while. – littleadv Dec 10 '14 at 7:28

Category:  coupon codes

### investing

Unless stated otherwise, these terms apply to all bonds.. Par value vs purchase price. The par value or face value of a bond refers to the value of the bond when it's redeemed at maturity. A bond with a par value of \$10,000 simply means that if you purchase the bond and hold it until the maturity date specified in the contract, you receive \$10,000.

Category:  coupon codes

### travel

I'm looking at Disney's website and it looks like I might have got ripped off. The same 2 day "park hopper" for 3 adults is \$705. The same 2 day "park hopper" for 3 adults is \$705. That's just a regular price without any coupons and discounts.

Category:  coupon codes

### Bonds, rates and the way they apply during their lifetime

At one time, the paper bonds actually had coupons attached that one could clip off, and turn in at a bank to receive the interest payments. The coupons were marked with the cash value, in this case \$250, and the date they could be redeemed. Doesn't happen much if at all these days; everything is electronic

Category:  coupon codes

### How to read/decipher the percent % in a bond's interest

Or is the after tax analysis throwing you off? – D Stanley May 12 '20 at 18:41. Hi, so the first one is saying 5% corporate, and this 5% is referring to 5% x \$1000 of annual interest. The coupon for this is \$20 per year (1000- 800)/10. The bond coupons are 5%. Bond coupons are actual cash flow. – S Spring May 12 '20 at 19:25.

Category:  coupon codes

### financial literacy

@JoeTaxpayer I went to the investing answers Yield To Maturity calculator and tried some different inputs. For a \$1000 face bond, paying 2% coupon paid quarterly, the price has to be \$868 to get a 5.00% YTM. You are correct it isn't 60% off of face, so I will update the answer with better number – zeta-band Jan 20 '17 at 17:11

Category:  coupon codes

### united states

So you could keep the \$50,000 at 9% and get a new \$100,000 at 4%, or you could pay off the old loan so you have \$0 at 9% and \$150,000 at 4%. Clearly plan B is significantly less interest -- 5% x \$50,000 = \$2,500 per year. If you can afford to buy the new house without getting a loan at all, it gets more complicated.

Category:  coupon codes

### What is the purpose of a Zero Coupon Bond

3 Answers3. To make a zero coupon bond pay, it is sold at a discount to face value. For instance, if the bond is worth \$1,000 at maturity, it might be sold at \$970. Then the buyer gets a gain of \$30 (a little over 3% on \$970) when the bond matures. Treasury bills are sold as zero coupon "bonds." One advantage is that if you buy, say, a six

Category:  coupon codes

### Why does a gas station give a \$.15 discount to link a bank

If there's 4 stations that you'd typically go to, each with an equal chance to be stopped at, then each station would profit \$2.50 off you each 4 week period. If you went out of your way to save the \$0.15/gallon every week, then you'd fill up at the cheaper location and get your 10 gallons of fuel.

Category:  coupon codes

### investing

What do bond investors do during a sell-off. 0. Suppose there has been some release of data that shows economic slowdown, or increased expectations of inflation. Investors will then sell their bonds in hope of buying newer bonds with higher yielding debt. Is …

Category:  coupon codes

### investing

If you get super technical, you could probably rationalize it as an investment, just like you could call clipping coupons investing, but it all comes down to what your financial goals are. So my view is that paying off a note early is just a way of cutting expenses. Share. Improve this answer. Follow answered Aug 6 '10 at 21:47.

Category:  coupon codes

### shopping

Now, if you're retired and living off of social security, \$7 an hour sounds pretty good, so you do it, but if you're a stock analyst at Merrill Lynch getting paid \$12,000,000 a year to say nice things about piece-of-junk Internet companies, working for \$7 an hour is a joke, and you're not going to clip coupons.

Category:  coupon codes

### Are negative coupon bonds possible

0. The rule is, no, negative coupons don't exist. For the exception to the rule, Reuters found a couple of cases in history where bondholders paid a coupon: PRACTICAL PROBLEMS. Data from IFR shows a range of issuers including cities, banks and companies have bonds with theoretical negative coupons. These are unlikely to ever be imposed, though

Category:  coupon codes

### india

However i wasn't redirected to the VBV page, but the money is debited from my account. I was stunned because i wasn't looking to buy it, but seeing how much it costs. (I entered the details because they sent me a coupon and I was trying to redeem it but i haven't seen the space to enter coupon code anywhere.

Category:  coupon codes

### scams

Cashback sites are just like an entire site dedicated to adverts and to give you some incentive to visit this contentless site they share the royalties with you. So everything is quite legitimate and no more scammy than advertising and capitalism in general. Share. Improve this answer. answered Dec 17 '19 at 21:06.

Category:  coupon codes

With promises of \$500 gift coupons, plasma televisions and video game systems, dozens of fugitives accused of a host of crimes were duped into going to a West Side warehouse, where instead they were arrested on outstanding warrants. This example shows how this …

Category:  coupon codes

### loans

Now you start to pay, and you decide you want to pay this off early, so you pay \$110 a month. In month 3 you pay \$500. If the payments are applied to principal first, your high interest rate is on a smaller principal. So you end up paying a smaller total.

Category:  coupon codes

### united states

The fact that the credit card company told him not to pay the \$10,000 (until the investigation is complete) is promising, but not by any means a guarantee that he's off the hook for it. – Steve-O Mar 20 '19 at 15:37

Category:  Credit

### taxes

Browse other questions tagged taxes united-kingdom product-coupons or ask your own question. Featured on Meta New VP of Community, plus two more community managers. Deprecating our mobile views. Related. 5. Can I make use of my wife's unused personal tax free allowance to reduce our income tax? USA 2018 tax write-off - Meals for Employees. 2.

Category:  coupon codes

### investing

You paid \$352 for a \$1000 bond, i.e.: you got \$648 discount. So when the maturity occurs, you will get the \$264 coupon payments and the \$648 redemption value on top of what you actually paid - …

Category:  coupon codes

### united kingdom

Your arithmetic is a bit off here. If an item costs GBP10 "gross" with a 20%VAT rate, then the "net" would not be GBP8. The correct net would be GBP8.33 since 8.33+20% = 10. And similarly with the other items. – user41790 Dec 3 '16 at 18:11

Category:  coupon codes

### calculation

The idea is correct; the details are a little off. You need to apply it to the actual cash flow the bond would create. The best advice I can give you is to draw a time-line diagram. Then you would see that you receive £35 in 6 months, £35 in 12 months, £35 in 18 months, and £1035 in 24 months.

Category:  coupon codes

### Does the interest rate on a given US Treasury Bond change

According to Wikipedia, Treasury bills mature in 1 year or less to a fixed face value: Treasury bills (or T-Bills) mature in one year or less.. Regular weekly T-Bills are commonly issued with maturity dates of 28 days (or 4 weeks, about a month), 91 days (or 13 weeks, about 3 months), 182 days (or 26 weeks, about 6 months), and 364 days (or 52 weeks, about 1 year).

Category:  coupon codes

### Prevalence of certificate of deposit ads and possible

I would pay off debt before paying into a CD. Right now Goldman Sachs offers 3% for 5-year deposits which is currently one of the best rates today. Treasuries are around 2% and but buying bond or treasury funds will decrease in present value as …

Category:  coupon codes

### How do I find the list of bonds issued by a company

I know where to find quotes and basic financial information for stocks. For example, if I am interested in PepsiCo stock (NASDAQ: PEP), I will simply …

Category:  coupon codes

I have used TurboTax successfully for a couple of years. In addition to things already mentioned, it has some forums where you can get some simple questions answered (with complex ones it's always better to consult the professional) and it can import some data from your salary provider if you're lucky (some companies are supported, some aren't) - then you save time on filling out W2s, and can

Category:  coupon codes

### investing

How important interest rate risk is depends on you. If your intention is to hold the bond to maturity, you'll continue to get tax-free coupon payments until the bond is paid off. I know a few people who continuously maintain ladders of 10-year treasuries, and don't care about the market value of the bonds.

Category:  coupon codes

### Selling bonds before full maturity but after some coupons

I'm currently working on the following practice problem and I'm not really sure where I'm going wrong "Some time ago you bought a bond issued by Mazota cars. The bond

Category:  coupon codes

The same reason a company would offer coupons. I'd guess they're just doing it as a way to entice people to do their investing with them. Since it is any ETF I doubt they are being compensated by the ETF companies, as is sometimes the case (iShares does this with Fidelity, for example). And they still get the commission on the sale.

Category:  coupon codes

### savings

3. Compound growth isn't a myth, it just takes patience to experience. A 10% annual return will double the investment not in 10 years, but just over 7. Even though a mortgage claims to use simple interest, if your loan is 5% and there's 14 years to go, \$100 extra principal will knock off

Category:  coupon codes

### stocks

You can then invest into a range of funds that track the S&P 500. Option 2: Open an Account with an Indian broker [or with AMFI]. There are quite a few fund houses that offer funds that invest in US markets; for example ICICI, Franklin, Motilal Oswal, DSP Blackrock, Birla Sunlife, etc. Most of these invest in a broad range of equity.

Category:  coupon codes

The value of the bond is the present value of all its coupons plus the present value of its payments. So, if we assume that the bond is going to pay off for 100 then the present value of that payment is: 100 / (1.09^10) The present value of the ith interest payment is: 8 /(1.09^i)

Category:  coupon codes

### employee stock options

Those then paid off upon acquisition as these things tend to do in fortunate circumstances. The problem now is that the salaries are not up to market value for a decent sized chunk of the company. There are a number of reasons for this, but I believe a big part of it is that the company is acting in a very "growth industry" and is currently

Category:  coupon codes

### stocks

currency swaps and friends (fx swaps, loan swap, etc.), can be traded OTC, pay at a future date a fixed notional amount (plus maybe coupons or interest rates) in one currency for a fixed notional amount in another currency (plus coupons/interest), it's a one-off thing so it matures on the agreed-upon date

Category:  coupon codes

### united states

Certainly, yes, a zero coupon bond can go down in price. If interest rates rise before your bond matures, the price of the bond will go down – and the longer to maturity, the more it will tend to drop. Depending on when you bought and how much interest rates rise, you can incur a capital loss. The bond is guaranteed to be worth a certain

Category:  coupon codes

### financial literacy

Rather than paying off the principle of a debt when it comes due, you take out another loan for that amount to pay off the first debt. This will often be the same lender you owe the money to. The terms may change (due date, interest rate) and could be better or worse for the borrower depending on the interest rate environment (and of course his

Category:  coupon codes

### interest rate

Coupons get paid out earlier, reducing the risk of losses if bond yields rise. But they also reduce the gains if bond yields fall over the life of the bond. In short they trade off interest rate risk for reinvestment risk. Bottom line: zero coupon bonds are no better nor worse than coupon bonds, but they do have a little more interest rate risk.

Category:  coupon codes

### investing

That's not exactly how bond ETFs work, but it's not far off. The bond coupons are not directly returned to the ETF holder; some of them are retained by the fund to buy new bonds (and to pay fees, of course). How much the fund pays in dividends is up to the fund manager.

Category:  coupon codes