One bit of conventional investing wisdom is that stock mutual funds have much more risk than bond funds. In this article we take a look at how stocks and bonds will have differing risks. We will also look at how much we should invest in stock funds vs bond funds. Stock represent a partial ownership in a business. But bonds…
Tag: Bonds
Baseballs Cloud Of Controversy
Although Baseball has never been a stranger to controversy. From the 1919 Chicago Black Sox, to Pete Rose betting on baseball, to Sammy Sosa’s corked bat. And now the on going soap opera of Barry Bonds suspected steroid use, it is in no way hurting in the ratings and fan department. Why is this? I think I have the answer,…
How Morgage Rates Work
Interest rates all start with the Fed rate. Basically, what the fed rate is, it is a rate that banks are offered as their borrowing rate from their local federal reserve. This fed rate is adjusted regularly by the Federal Reserve Board so that growth of an economic nature is achieved. For example, if the supple of money is reduced…
Investing Saving Finance Money Make A Fortune With Your Investments
Investing and saving finance money is not easy and it is difficult sometimes to save the capital money. Herein lies the need to work with a knowledgeable investment professional that can help you plan and implement investment strategies designed to achieve your financial goals. Save finance money by investing for income in real estate. There are different ways of investing…
Surety Bond Bulk Discounts
Every now and then I get a call from a new client asking how much of a discount they will receive for obtaining multiple bonds. I immediately know the conversation will take a bit longer than usual, as I will have to explain what surety bonds are in order for them to understand why they will not obtain a discount…
Savings Bond Makes Life Simpler
The modern socio-economic scenario has made life really very complicated for us, as we all have to run after money to make ends meet. In this age of rapid commercialization of economy, we are always running short of cash no matter how much we earn. As the economy scale new highs aggressive consumers are always busy exploring new ways and…
The Window Is Closing For Subprime Commercial Borrowers
Tell your auto repair mechanic, your favorite restaurant owner, and the owner of your pool cleaning service that it’s last call for subprime commercial loans. I predict that the subprime commercial mortgage loan market will shrink by 75% within six months. If these small business owners are ever going to pull some equity out of their commercial buildings to tide…
Barry Bonds Only One More Record To Break To Become Number 1
With a 445-foot landing over the center field wall of the Giants’ waterfront AT&T Park, two run shot Barry Bonds beat his magical 715th home run, overtaking baseball legend Babe Ruth for second place on the all-time home-run list. In the fourth-inning Bonds swung a ball that Colorado Rockies’ starting pitcher Byung-Hyun Kim threw and it came a week after…
Re Evaluating Surety Bond Underwriting
Traditional surety bond underwriting does not allow for any losses. In other words, applicants are only suppose to be approved for a bond if the underwriter believes there will be no claims. This differs from insurance underwriting, as a loss is expected and is built into the premium. Higher risk applicants are usually declined or asked to post 100% collateral…
Loan What Does It Mean
Loan called the convention that one of the parties (lender) transfers to another (debtor) the ownership of things (cash or securities usually) and the debtor has the obligation to repay the things of the same quality and quantity of paying or not interest on the loan. The loan taken by the debtor to cover needs that can not meet with…