It is true that bankers also invest money in securities, and that some of these are foreign, but here again the proportion invested abroad is so small that we may be reasonably sure that any money left by us in the hands of our bankers will be employed at home. But in actual practice those who save do not pile…
Tag: Securities
Managing The Income Portfolio
The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment…i.e., an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market” risk… particularly when it comes to investing for income. Credit…
Why Mortgage Rates Rise When The Fed Cuts Rates
Short term loans like car loans, credit cards and home equity loans are automatically lowered with Federal rate cuts because they are based on the Prime rate. Longer term loans such as mortgages aren’t because they are based on competing investment options, for instance investing in stocks rather than real estate. When the Fed cuts rates the stock market takes…
Rule 144 Holding Periods Shorten
The SEC (Securities and Exchange Commission) voted unanimously on November 15, 2007 to cut the required holding period in half from twelve to six months for selling restricted and control securities. This exciting change will go into effect on February 15th, 2008. The change will bring a welcome relief to many smaller companies, because the shorter holding period is intended…
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…
Understanding Mortgage Backed Securities
The housing boom of the last seven years has been one of the biggest ever. Mortgage-backed securities are one reason for the torrid pace of real estate growth. Understanding Mortgage-Backed Securities A mortgage-backed security is essentially a bond. Investors purchase interests in the mortgage security and your monthly mortgage payment is the revenue earned from the security. Unlike a bond,…
The Do S And Don Ts Of Private Lending
I have received a number of email questions recently on very similar issues and thought I would address them as a group versus individual emails. The questions are broken down into general areas and include things to do and things not to do. The Don’ts include advertising on Craig’s List and the use of the word “Guarantee”. The Do’s include…
Hedge Funds 101 Understanding Current Concepts And Lingo
What exactly is a “hedge fund ” ? In essence , it is a managed pool of capital for institutions or wealthy individual investors that employes one of various trading strategies in equities, bonds or derivatives , attemting to gain from market inefficiencies and , to some extent hege underlying risks. Hedge funds are often loosely regulated and usually are…
Information About Investing Online
The Internet is a great tool for everyone, including investors due to the response speed, and the amount of information that is exchanged. Transactions are executed very quickly, with the click of a button or a few keystrokes. However, the Internet is also another avenue for fraud. Investors must use caution and common sense when using the Internet for securities…