Personal Finance FAQs

  1. How do alimony and child support factor into my taxable income?

  2. Who generally structures a syndicated loan?

  3. What are the typical repayment terms for a syndicated loan?

  4. What is the difference between a Nostro account and a regular bank account?

  5. What is the primary use of reverse repurchase agreements?

  6. How can an investment banker switch to a career in corporate finance?

  7. Under what circumstances might a syndicated loan be arranged?

  8. How stressful is the typical corporate finance job?

  9. What are the best MBA programs for corporate finance?

  10. How do I know how much of my income should be discretionary?

  11. How risky is a syndicated loan for the lender?

  12. What should I study in school to prepare for a career in corporate finance?

  13. What proportion of my income should I put into my demand deposit account?

  14. What is each party's role in a reverse repurchase agreement?

  15. What risks does the dealer (lender) in a reverse repurchase agreement take on?

  16. What are the similarities and differences between the savings and loan (S&L) crisis of the 1970s to 1990s and the subprime mortgage crisis in 2007?

  17. In what instances does a business use closed end credit?

  18. What are the long-term effects of delinquent accounts?

  19. What is the best way to start to rebuild your credit after a bankruptcy?

  20. How much risk is associated with subprime mortgages?

  21. What is the difference between a possessory and a non-possessory lien?

  22. Why is more interest paid over the life of a loan when it is capitalized?

  23. When capitalizing interest, will interest accrue while you are in a deferment?

  24. What accounting and regulatory standards is a correspondent bank subject to?

  25. What are the financial consequences of filing for bankruptcy?

  26. What are the differences between Chapter 11 and Chapter 13 bankruptcy?

  27. How is marginal propensity to save calculated?

  28. What are the SEC regulations on exercising stock options?

  29. What net interest margin is typical for a bank?

  30. Are Subprime Mortgages Still Available for Homeowners?

  31. Can a creditor sue me for a delinquent account?

  32. How do I transfer my credit card history from one country to another?

  33. Is credit counseling as damaging as bankruptcy on my credit report?

  34. How does stock evaluation of an electronic retailing (e-tailing) business differ from a brick-and-mortar retailer?

  35. Is the banking sector subject to any seasonal trends?

  36. Why are high net worth divorces considered more challenging than other divorce cases?

  37. Do small banks ever act as custodians?

  38. Will technology ever disrupt the role of the custodian bank?

  39. Can small investors buy collateralized mortgage obligations (CMOs)?

  40. What are the warning signs of online hotel / travel booking scams?

  41. Where did the term 'Nostro' account come from?

  42. How many years can structural unemployment last?

  43. How can I use zero-based budgeting for my own finances?

  44. How legitimate are companies that advertise debt consolidation for all my credit cards?

  45. How do I negotiate a lower annual percentage rate (APR) with my credit card company?

  46. Which consumer goods do Americans buy the most of?

  47. What types of fees apply to checking accounts?

  48. What are some reasons banks deny applications for checking accounts?

  49. How does revolving credit differ from a general line of credit?

  50. How does investing in banks in emerging markets compare to developed countries?

  51. What developed countries have the highest concentration in the banking sector?

  52. Is the prime rate in the US different from the federal funds rate?

  53. Why is moral hazard so prevalent in the financial services industry?

  54. What factors are the primary drivers of share prices in the internet sector?

  55. What should ordinary borrowers know about the prime rate?

  56. What is the importance of residual value in an automobile lease?

  57. How can an investor reduce interest rate risk?

  58. How do prepaid debit cards work?

  59. How do I get a higher limit on my credit cards?

  60. Why should I keep track of my insurance policy?

  61. Where are secured credit cards accepted?

  62. Do prepaid Credit Cards have monthly fees?

  63. What's the average hourly wage of waiters and bartenders before tips

  64. How many attempts at the series 7 test are permitted?

  65. Does shopping for the best interest rate affect my credit score?

  66. Do all banks use the Five Cs of Credit when evaluating potential borrowers?

  67. How do frequent flier mile programs affect the profitability of an airline?

  68. What's the difference between a collateralized debt obligation (CDO) and a collateralized mortgage obligation (CMO)?

  69. What months of the year typically have the highest float?

  70. Are all mortgage backed securities (MBS) also collateralized debt obligations (CDO)?

  71. In what ways has technology helped to reduce float?

  72. What are the pros and cons of getting installment credit to pay off your revolving debt?

  73. How does accrued interest work on student loans?

  74. Should commercial and investment banks be legally separated?

  75. When did people first start using collateral to secure loans?

  76. Where did the term Magna Cum Laude originate from and why is it used in academics?

  77. How does someone earn the designation Magna Cum Laude?

  78. How does the bank profit off of escrow accounts?

  79. What are the best ways to pay off my mortgage quickly?

  80. How can I get a standby letter of credit?

  81. What are the pros and cons of a simple-interest mortgage?

  82. What level of default rate is typical for the credit services industry?

  83. How can investors in the Internet sector most directly profit from the growth of e-commerce?

  84. Why are most brokerage firms owned by banks?

  85. What country spends the most on military and defense?

  86. When does cyclical unemployment become structural unemployment?

  87. What is the most effective way to write a successful budget?

  88. What is the use of having revolving credit if your credit score suffers for using it?

  89. Why do high profiting sales mitigate credit risk?

  90. What country spends the most on education?

  91. How do I apply to work in the securities industry?

  92. What's the average salary of a human resources (HR) specialist?

  93. How do I find out my bank's bid-ask spread for currency conversions?

  94. Do minimum wage laws make labor a fixed or variable cost?

  95. Do lenders offer floating APRs?

  96. What are common factors that lower your net worth?

  97. What are the reasons that cause investment bankers to fail in their careers?

  98. How should you choose the amortization period for your mortgage?

  99. What is the key to finding your ideal mortgage?

  100. What's the average salary of a bank teller?

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