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PDF Editor FAQ

What is the relation between the interest rate of borrowing and the interest rate of saving?

First, it’s important to understand how depository institutions make money.Banks earn a return on their interest-earning assets (IEA), which can be anything from commercial/industrial loans, real estate loans, personal loans, trading securities, credit cards, etc. At the same time, banks pay interest on their interest-bearing liabilities (IBL). These liabilities include NOW (negotiable order of withdrawal) accounts, saving accounts, money market accounts, etc.The difference between a bank’s IEA and their IBL is what’s known as the net interest margin (NII). NII is a bank’s primary source of revenue and what determines its profitability beyond other sources of income and expenses.Why is this important? It’s essential to understand the fluctuations in interest rates determine a bank’s financial position. The change in interest rates will determine how quickly banks adjust their IEA (primarily loans) and their IBL (mostly deposits). How quickly banks adjust, IEA/IBL mostly depends on their Asset/Liability Management, which I won’t address for the sake of simplicity. I will also provide a simple example, using SunTrust Banks, Inc (STI) financial statements from 2016 and 2018. STI recently merged with Branch Banking and Trust Company (BB&T) to form Truist Financial Corp.Before the recent return of near-zero percent interest rates and quantitative easing, it’s fair to say that we’ve been experiencing a rising interest rate environment. The 10-Year Treasury (the benchmark of all interest rates in the economy) had an average yield of 1.84% in 2016, which grew to 2.91% in 2018 .During the same period, STI paid an average of 0.22 percent on all of their deposits in 2016 , which includes a 0.03 percent yield on savings accounts. In 2019, the average interest paid on deposits grew to 0.59 percent, but the interest paid on savings accounts shank to 0.02 percent!What’s the deal? Why would the rates offered on savings accounts fail to grow, despite being in an increasing interest rate environment? The answer is very simple.All things equal, when interest rates increase, banks earn more on their IEA, and they also pay more on their IBL. This principle still holds; however, it doesn’t always hold in the case of deposits. This is because deposits are a relatively cheap source of funding, and just because interest rates are rising doesn’t necessarily mean banks will pass on these savings to consumers. Banks primarily change the rates on deposits due to competitive forces in the marketplace.The relationship between borrowing and savings becomes more complicated when more variables are introduced, such as the asset/liability mixture of a portfolio, the percentage of assets/liabilities that are fixed versus variable, the number of assets that are long-term versus short-term; etc.In essence, what determines the interest rate on your savings account is the competitive forces in the market place. If one bank desires more funding (deposits are a source of funding for banks), they may decide to increase the rates on their savings accounts, and seeing this would prompt other banks to do the same. However, never assume because interest rates are rising that banks will ultimately increase their rates as well.

What are some mind-blowing facts that sound unreal but are actually true?

We all know about the famous fuzzy soda drink, Coca Cola. Now, the mysterious element to this oh so popular aerated drink is the fact that the recipe rather the formula behind Coca Cola is a secret kept inside a vault in Atlanta, USA. And, the other funny part is, this formula is known only to two people on Earth that to only half of it.The Formula for Coca-ColaWhat is it?It's no surprise that one of most profitable companies ever would want to keep their formula a secret. Even with hundreds of imitators, Coke still dominates world-wide sales of caramel colored drinks. But doesn't that stuff only have, like, four ingredients? Fizzy water, high fructose corn syrup, caffeine and Brown Dye #4? There isn't exactly a vibrant symphony of flavors in each can.Yet, the formula is so fiercely protected that the company even pulled out of India in the 1970s because they would have been legally required to divulge their ingredient list to their government.It even managed to stall a divorce case. When one of the Coke heirs ended his marriage to his wife, she demanded some of his great-grandfather's (the founder of Coca-Cola) original notes as part of her settlement. The company had to get involved and put a stop to it out of fear the notes could contain information on the formula.Who Knows:Only two Coke executives know it. Urban legend says they each only know half, but that's false--that part was invented for an old ad campaign.How it is Kept Secret:The original copy of the formula is kept in an undisclosed SunTrust Bank in Atlanta. To keep SunTrust on the side, Coke gave them some 48.3 million shares of stock as well as having executives from each company sit on the other's board of directors.The company has policies surrounding the secret that range from the paranoid (the two executives who knew the formula could not fly on the same plane) to the bizarre (no one could view the formula without God, Jesus and Elvis present or something to that extent).All of this is pointless in the end. Coca-Cola still derives some of its flavor from the coca plant; the same place that cocaine comes from. Due to the obvious drug related issues that would arise from importing lots of coca plant into America legally, only one company has government permission to do it. That company is Coca-Cola. So even if someone broke into the bank and managed to take the formula, they would never be able to produce an exact Coke rip-off.And if another company did somehow get permission to import coca, hell, there is at least one better way to make money with it.Well kept secret between two people.

Are credit card loans better than personal loans?

Personal Loans Vs Credit Cards: Which Should You Use?Often, a personal loan can be a more affordable way to finance a large purchase than a credit card. But there are always exceptions.It’s always better to pay cash for large purchases, which is why we drill home the importance of saving as early and as often as you can.But life happens—whether you’ve saved for it or not. Sometimes credit will be a valuable safety net to help you ride out financial emergencies or a tool to finance a big purchase—a car, a once-in-a-lifetime vacation or small home improvement project.When these situations arise, most of us simply reach for our closest credit card. Though credit cards are convenient, in some cases a personal loan may be a more sensible and affordable way to pay for a large purchase over time.Here’s a look at personal loans vs credit cards and the pros and cons of each.How do personal loans work?A personal loan is an unsecured loan that you can use for just about any purpose: Debt consolidation, a vacation, a vehicle purchase, or a home improvement project.A personal loan works more like an auto loan than a credit card.When you take out the loan you receive the loan amount in a lump sum.You make fixed monthly payments for the agreed upon term (number of months).Personal loans usually have terms between two and five years.Personal loans usually have fixed interest rate.There is no penalty for paying off the loan early.Typically, you can apply for a personal loan entirely online. To apply, you’ll need to provide your personal and employment information on an online credit application. The bank may ask to see proof of your income, such as a pay stub or W-2 form. Generally, the bank will let you know if you’re approved within one or two business days.At this point, you’re under no obligation to take the loan—you usually have a week or so to decide. You can review the interest rate and terms of the loan and decide whether it fits your needs. If you accept the loan, you’ll sign a promissory note and the money will be transferred into your checking account. You’ll then receive billing statements and must make equal payments each month on the due date.Most personal loans come in terms of three or five years, but you can find some with terms as short as one year or as long as ten years. Finally, reputable lenders will not charge a pre-payment penalty, meaning you can pay off your loan in full at any time to save money on interest.How are personal loans different than credit cards?A credit card is a line of credit from which you can borrow money at any time, up to your credit limit. A personal loan is a fixed loan which you repay in equal installments for a predetermined period of time.A credit card is what’s known as revolving debt. A credit card has a credit limit that you can use as often as you like and it’s up to you to pay the entire balance off at the end of the month. If you don’t, you begin to “carry a balance”—you’re paying interest on a debt but you still have the ability to make new purchases.A personal loan, on the other hand, is a fixed debt. You receive a fixed amount of money and repay it in equal installments over a fixed number of months.The danger with credit cards, of course, is that you can always charge more at any time up to your credit limit, keeping you stuck in debt. With a personal loan, you know when your debt will be repaid and that you can’t borrow more money without completing a new loan application.Like a credit card, a personal loan is unsecured, as opposed to an auto loan or a mortgage, which are secured by the vehicle or real estate they are used to finance.The difference is if you stop paying a secured loan, the bank can repossess your car or foreclose on your house. For this reason, interest rates on personal loans are higher than secured loans but, in some cases, personal loan APRs can be lower than credit card rates.When is a credit card better than a personal loan?Credit cards are best for making smaller purchases or consolidating smaller debts—up to a few thousand dollars—that you can comfortably repay within a year.If you’re making a purchase of between a few hundred and a couple thousand dollars that you can repay in a year or so, the cheapest way to do it may be to apply for a credit card that offers a 0 percent intro APR on purchases. If you have good credit, a 0 percent credit card gives you an interest free loan as long as you repay the debt in full before the introductory period expires.The same is true if you want to consolidate debt with a credit card balance transfer. If the debt is less than a few thousand dollars and you can pay it off in 18 months or less, a 0 percent balance transfer credit card will be your best bet.Read more: Best Credit Cards Of 2019When is a personal loan better than a credit card?Personal loans are best for larger purchases that will take you more than a year to repay or when you don’t want to be tempted to overspend with a credit card’s open credit limit.If you need to borrow $1,000 or more and need more than 15 months to pay it off or you need to borrow $5,000 or more, which is higher than the credit limit on many credit cards, a personal loan is a better option.With most personal loan lenders, $1,000 is the minimum amount you can borrow. If you have good credit, you can find personal loans for up to $100,000.The biggest downside to some personal loans is that they may charge an origination fee of between 1 and 5 percent of the loan amount. This is a one-time fee that is paid in cash or from your loan proceeds at the time of closing. Not all lenders charge an origination fee on personal loans, but you need to ask about the fee and take it into account when comparing interest rates. One lender that offers you a better APR may actually be more expensive if they charge a fee and the lender with the higher APR does not.How to find the best personal loansThe best personal loan lenders require good credit and are transparent with their rates and fees. Compare our recommended personal loan lenders here.If you have excellent credit, LightStream—a division of SunTrust Bank—has some of the lowest fixed rates we’ve found. You’ll also want to consider SoFi, which requires applicants to have solid finances but takes into account factors besides your FICO Score, which can be attractive to younger applicants who don’t have lengthy credit histories yet.If your credit score falls below 740, you still have a number of great personal loan providers to choose from, but borrowing will be more expensive. Upstart, for example, offers “fair rates” to college grades, even if you don’t have much credit history, but charges a small origination fee in addition to interest.In addition to these online lenders, many banks offer personal loans to existing customers, although they may not be advertised. Credit unions often offer good rates on personal loans to its members and may offer you the best chance of being approved for a personal loan if you have a history with the branch.There’s also a fantastic company we’re partnered with called Even Financial that finds you the optimum loan based on your individual needs, so check them out. You can read our full review of their offering here.Seek help professional help: I used the services of a professional to get my credit repaired and he cleared all my debts and improved my credit score so i would suggest you use his services, He has been helping a lot of people lately , Just search for George Gibbs here on Quora and he would be happy to assist you.

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