REGN ~ Opinions?

[Mary]

Mary's second POTW pick

I don't know...But I sit out on the deck and figure a lot of stuff...Like I put X dollars in per month and get Y % after 60 months, 120 mos etc...How much will I have?

Guess I'm different...lol...I love to figure stuff out. Like...Say I win the Super Lotto tonight...$13 mil...my lifetime budget is already done...LOL...Just kidding...However, a financial calc is good for figuring out your projected return on different types of investments...Hey...I just had an idea...Maybe I can be your FA?...

How much commission would you charge?

Whoever is keepin' score, put me in VIAC long this coming week.

[Mary]

Pocket Financial Calculator

I just thought of one thing I could use such a calculator for. I am currently having work done on the pool in my back yard. Just got the first installment bill today ($4,000). With a financial calculator, I can figure out how much the monthly payments will increase on the home equity line of credit I'm using to pay for this project. Gotta make sure I don't screw up and forget to change my automatic payment so the bank is getting at least as much money from me per month as they require.

[IIC]

How much commission would you charge?

Whoever is keepin' score, put me in VIAC long this coming week.

I never charge...That way nobody can ask for a refund.

Actually, I do have an offer to compete with SharkTraders that charges about $500 a month...You send me $500...I send you a stock...If it doesn't go up...I refund your $500...YOU CAN'T LOSE...

VIAC...wrong thread...Need to click Portfolio of the Week...Best, Doug

[Mary]

VIAC...wrong thread...Need to click Portfolio of the Week...Best, Doug

Dang! I did that last week too. Why is it so easy to forget that I'm in the wrong thread? Sheesh. I'll go over there now and put in my pick.

[spikefader]

....What do you people think about REGN?

I think it's going to $40.00. I base that on a bunch of technical mumbo jumbo

[Tatnic]

Mary...I would feel "naked" w/o my Sharp EL-733A Financial Calculator in my pocket...But here here some handy calcs on the net: http://ourworld.compuserve.com/homep.../vfpt2.htm#rra

I've used Financial Pocket Calculators since the early 80's...And the one I mentioned above is the easiest (and cheap too...$35) that I have ever found. Unfortunately, it isn't in any stores I can find anymore...But I just bot my 7th one at http://staples.com ...It is funny...The last 2 times my wife got a new car...2001 and 2003 I went outside real quick and calc'd the payment...Both times I went back in to meet w/ the financial guy at the dealerships when we had decided to go ahead and buy...While they were putting in all sorts of numbers in their computers I scratched my head and blurted out the monthly payment...I was within 2 bux both times...I confessed the first time...But the second time I let the guy think I was RainMan...LOL

some pretty simple calc's...but a spread sheet is even more simple.

mp=AB*(i)*((1+i)^n)/(((1+i)^n)-1))

where mp = monthly payment
AB = amount borrowed
i= monthly interest rate (yearly rate divided by 12)
n=number of months, ie 240 for a 20 year loan

if you put this in a spread sheet its easy to change the variables and see how the output changes. Set up a column for each variable and the last column for MP.

You can also figure payback periods that way...you know, if you want to figure out how long it takes an investment to pay for itself in the savings it generates. The savings would be MP; i would be the rate you borrowed or the opportunity rate for a similar investment if you paid cash; then you keep changing n until MP equals the known savings per month for the investment.

keep all the numbers similar...ie make sure you're using monthly rates and payments or yearly/yearly. An example...say you want to buy a Prius because you think it will save you $50 a month on gas, how long will that take to make the extra $3500 worth the investment? The answer is 85 months...hardly worth the investment. But if you also get a tax credit of say 2000 so your investment is only 1500, then the payback is about 33 months (using a 6% interest rate or 0.5% monthly rate) so if you plan to own the car for 3 or more years and the price of gas does not go down from here its a good investment. Paybacks of less than 3 years are pretty decent.

[IIC]

some pretty simple calc's...but a spread sheet is even more simple.

mp=AB*(i)*((1+i)^n)/(((1+i)^n)-1))

where mp = monthly payment
AB = amount borrowed
i= monthly interest rate (yearly rate divided by 12)
n=number of months, ie 240 for a 20 year loan

if you put this in a spread sheet its easy to change the variables and see how the output changes. Set up a column for each variable and the last column for MP.

You can also figure payback periods that way...you know, if you want to figure out how long it takes an investment to pay for itself in the savings it generates. The savings would be MP; i would be the rate you borrowed or the opportunity rate for a similar investment if you paid cash; then you keep changing n until MP equals the known savings per month for the investment.

keep all the numbers similar...ie make sure you're using monthly rates and payments or yearly/yearly. An example...say you want to buy a Prius because you think it will save you $50 a month on gas, how long will that take to make the extra $3500 worth the investment? The answer is 85 months...hardly worth the investment. But if you also get a tax credit of say 2000 so your investment is only 1500, then the payback is about 33 months (using a 6% interest rate or 0.5% monthly rate) so if you plan to own the car for 3 or more years and the price of gas does not go down from here its a good investment. Paybacks of less than 3 years are pretty decent.

It is easier to use the calculator...Now, give us the formula for annual % gain on a stream of irregular payments...e.g. At the beginning of the year my account has $70,000 in it...I deposit $5,000 on March 10th, $3,000 on May 25th, $4,500 on August 3rd, $6,000 on October 19th...At the end of the year my total account value is $130,000...What was my % gain on an annualized basis? I can figure it out on my financial calculator...but even then I have to read the instructions and have a pencil handy.

Actually, if you really do know that formula I would like to have it...because even on the calculator it takes a long time because you have to input all the periods...I just round off that I put the money in at the closest 1st of the month so I only have to use 12 periods...But if I knew the formula I could set up 365 periods and be more accurate...Doug

[spikefader]

....I did receive a telephone call from my financial advisor...he recommended that I sell my .. Regeneron REGN

I'd be calling him up and telling him you're disappointed in his timing SssSssSss

Kidding of course, but shoot, you missed some nice % points there...

The chart since your post on Friday..... and feelin' pretty peppy about my prediction for $40.00.