So which mortgage is the right one for you? Wait for it…it depends! You know life is too complex for an easy rule of thumb. You should seek the advice of a qualified financial planner who does this kind of scenario all the time. The second thing you could do is give us a call..
http://www.options-trading-education.com/24091/interest-rate-options/
Interest Rate Options
In interest rate options trading traders are positioning themselves for a faster than previously expected rise in interest rates. As reported in Bloomberg, a faster rate rise is expected as evidenced by a change of the put to call ratio on interest rates from 1.9 to 3.2.
Options Wager
Investors in put options are betting that market participants will raise their expectations for the level of the federal funds rate in 2017. They are wagering that Fed policy makers meeting this week will forecast a higher rate at the end of 2017 than most investors now predict.
As of Sept. 10, there were 3.2 active put options for every active call option, according to data from CME Group Inc. That’s up from a ratio of 1.9 on the final day of the FOMC’s July 29-30 gathering.
Using short-term options on the contract allows traders to place a bet on a policy surprise from the Fed at a relatively low cost and limits the damage in case the trade doesn’t work out, because holders of the options can only lose as much as they paid for them.
The Federal Reserve is phasing out its quantitative easing stimulus program. The $85 billion a month purchase of bonds has been reduced and the general consensus is that it will be done by the next month. Federal Reserve officials have stated that they will keep interest rates low as long as it takes for the economic recovery to be secure. But, as employment figures rise speculation is that the Fed will push rates up soon rather than later. Interest rates options are a practical way to profit from such a move.
Interest Rate Options
An Interest rate option is a specific financial derivative contract. Its value is based is based on interest rates such as the yield on 10 year treasury notes. Just like with equity options one can purchase calls or puts. Traders purchases calls if they believe that rates will go up and puts if they believe that rates will fall. A useful reference is the CME Group Options Open Interest Rate Tool. Rate curves displayed include the following:
Eurodollar
1 Year Mid Curve
2 Year Mid Curve
3 Year Mid Curve
4 Year Mid Curve
5 Year Mid Curve
2 Year Note
5 Year Note
T bond
Ultra
As will all options trading it is smart to focus on one aspect of the market with which you are familiar in trading interest rate options.
Profitable Interest Rate Trading
There are many profitable options strategies that can be applied to interest rate options trading as well as trading other kinds of options. Basically interest rate options trading has to do with forecasting what the Federal Reserve will do with rates and other basic economic factors that tend to drive rates up and down. Short term interest rate options trading has to do with reading market sentiment using technical analysis tools in order to profit from the inefficiency inherent in all markets.
BONDS, FEATURES OF BONDS, BOND VALUATION, MEASURING YIELD, ASSESSING RISK, TYPES OF LONG- TERM DEBT INSTRUMENTS, SERIAL BONDS, TYPES OF RISK, SEMI- ANNUAL BONDS, YIELD TO CALL, YIELD TO MATURITY, DEFAULT RISK & FACTORS AFFECTING DEFAULT RISK & BOND RATINGS, etc.
A bond that releases interest payments on the basis of a particular price index is known as Indexed Bonds or Index-Linked Bonds or Inflation-Indexed Bonds.
To know more about it, click on the link given below:
https://efinancemanagement.com/sources-of-finance/indexed-bonds-meaning-examples-advantages-and-more
http://www.options-trading-education.com/24091/interest-rate-options/
Interest Rate Options
In interest rate options trading traders are positioning themselves for a faster than previously expected rise in interest rates. As reported in Bloomberg, a faster rate rise is expected as evidenced by a change of the put to call ratio on interest rates from 1.9 to 3.2.
Options Wager
Investors in put options are betting that market participants will raise their expectations for the level of the federal funds rate in 2017. They are wagering that Fed policy makers meeting this week will forecast a higher rate at the end of 2017 than most investors now predict.
As of Sept. 10, there were 3.2 active put options for every active call option, according to data from CME Group Inc. That’s up from a ratio of 1.9 on the final day of the FOMC’s July 29-30 gathering.
Using short-term options on the contract allows traders to place a bet on a policy surprise from the Fed at a relatively low cost and limits the damage in case the trade doesn’t work out, because holders of the options can only lose as much as they paid for them.
The Federal Reserve is phasing out its quantitative easing stimulus program. The $85 billion a month purchase of bonds has been reduced and the general consensus is that it will be done by the next month. Federal Reserve officials have stated that they will keep interest rates low as long as it takes for the economic recovery to be secure. But, as employment figures rise speculation is that the Fed will push rates up soon rather than later. Interest rates options are a practical way to profit from such a move.
Interest Rate Options
An Interest rate option is a specific financial derivative contract. Its value is based is based on interest rates such as the yield on 10 year treasury notes. Just like with equity options one can purchase calls or puts. Traders purchases calls if they believe that rates will go up and puts if they believe that rates will fall. A useful reference is the CME Group Options Open Interest Rate Tool. Rate curves displayed include the following:
Eurodollar
1 Year Mid Curve
2 Year Mid Curve
3 Year Mid Curve
4 Year Mid Curve
5 Year Mid Curve
2 Year Note
5 Year Note
T bond
Ultra
As will all options trading it is smart to focus on one aspect of the market with which you are familiar in trading interest rate options.
Profitable Interest Rate Trading
There are many profitable options strategies that can be applied to interest rate options trading as well as trading other kinds of options. Basically interest rate options trading has to do with forecasting what the Federal Reserve will do with rates and other basic economic factors that tend to drive rates up and down. Short term interest rate options trading has to do with reading market sentiment using technical analysis tools in order to profit from the inefficiency inherent in all markets.
BONDS, FEATURES OF BONDS, BOND VALUATION, MEASURING YIELD, ASSESSING RISK, TYPES OF LONG- TERM DEBT INSTRUMENTS, SERIAL BONDS, TYPES OF RISK, SEMI- ANNUAL BONDS, YIELD TO CALL, YIELD TO MATURITY, DEFAULT RISK & FACTORS AFFECTING DEFAULT RISK & BOND RATINGS, etc.
A bond that releases interest payments on the basis of a particular price index is known as Indexed Bonds or Index-Linked Bonds or Inflation-Indexed Bonds.
To know more about it, click on the link given below:
https://efinancemanagement.com/sources-of-finance/indexed-bonds-meaning-examples-advantages-and-more
Swaps explained. Very useful for CFA and FRM level 1 preparation candidates. For a more detailed understanding, you can watch the webinar video on this topic. The link for the webinar video on this topic is https://www.youtube.com/watch?v=JKBKnxM2Nj4
Most simply, bonds represent debt obligations – and therefore are a form of borrowing. If a company issues a bond, the money they receive in return is a loan, and must be repaid over time. Just like the mortgage on a home or a credit card payment, the repayment of the loan also entails periodic interest to be paid to the lenders. The buyers of bonds, then, are essentially lenders. For example, if you have ever bought a government savings bond, you became a lender to the federal government. Put differently, bonds are IOUs.
From evaluating when it makes sense to refinance your mortgage, to selecting the right lender for your refinancing, to processing your new loan, the FREEandCLEAR.com Mortgage Refinance Guide provides a comprehensive explanation of the refinance process from start to closing.
A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
Swaps explained. Very useful for CFA and FRM level 1 preparation candidates. For a more detailed understanding, you can watch the webinar video on this topic. The link for the webinar video on this topic is https://www.youtube.com/watch?v=JKBKnxM2Nj4
Most simply, bonds represent debt obligations – and therefore are a form of borrowing. If a company issues a bond, the money they receive in return is a loan, and must be repaid over time. Just like the mortgage on a home or a credit card payment, the repayment of the loan also entails periodic interest to be paid to the lenders. The buyers of bonds, then, are essentially lenders. For example, if you have ever bought a government savings bond, you became a lender to the federal government. Put differently, bonds are IOUs.
From evaluating when it makes sense to refinance your mortgage, to selecting the right lender for your refinancing, to processing your new loan, the FREEandCLEAR.com Mortgage Refinance Guide provides a comprehensive explanation of the refinance process from start to closing.
A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
Lifetime mortgage is a long-term loan secured against the borrower’s property and is repaid when he/she dies or moves to the long-term care. It can be termed as the Flexible mortgage as it maintains financial stability in a pensioner’s life.
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Exploring the Pros and Cons of Fixed vs. Variable Land Loan Interest Rates.pptxSundaramHomeFinanceLimited
The PPT explains the Pros and Cons of Fixed vs. Variable Land Loan Interest Rates.
check us for more:<a href="https://www.sundaramhome.in/">Sundaram Home Finance Limited</a>
The volatility in today’s financial markets is making it impossible to know where to invest and grow your money without the fear of losing your lifetime savings. Historic low interest rates are making is difficult to provide the income needed by investing in safer investments such as CDs and annuities. Investing a portion of your overall portfolio in fixed income investments should be considered as a solution to reducing volatility and providing needed income.
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Since May, interest rates on bonds have drifted upwards and values have declined. Investing in bonds can no longer be left on auto-pilot. Please read on...
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Bonds have had their 30+ year bull run, now it is time to pay close attention to the bonds you own. For decades, most people’s bond portfolios were just on autopilot, this will get you hurt going forward. Please read on..
Everything you need to know about purchasing a home, whether you are a first time home buyer or a repeat buyer - this is a great place to start. Then contact me at lisat@mortgagebrokersottawa.com to get started on your preapproved mortgage...
Don’t want to get “taken” on a low dealer trade-in, consider donating that older model car to your favorite charity. Want help getting a fair market value on your car, call us.
Strategic diversification can add value to your portfolio. If you do not have any of these different types of asset classes, you should ask your investment person why. If they do not have a good reason, you may want to seek a different adviser....
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Women live 5 years longer, on average, than men. Planning your own retirement is crucial to living the life you want to live.... the way you want to live it. Call us, let's talk.
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
Focus on things that matter and that you can control! I offer this letter up for information purposes only, not to pretend that you or I have any control over what happens (or doesn't happen) in Washington. Staying focused on your financial plan is key to working towards your goals.
Changing Jobs? Take Your 401(k) and ... Roll It!Dolf Dunn
If you have recently lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It is important to understand your options
Health-Care Reform: Replacing Myths with FactsDolf Dunn
Emotions and financial decisions rarely ever go well together, so it is critical to understand how (if any) the new health care program will affect you and your family.
Women, in Estate Planning, You Are the Last ResortDolf Dunn
Because women usually outlive their male counterparts by an average of almost 5 years, making sure both you and your husband's estate documents are completed is crucial. I truly believe if you love someone, you will deal with your own mortality and get your estate documents completed! It is not about you, it is about the people you love most.
Common Factors Affecting Retirement IncomeDolf Dunn
People have two very distinct investment periods in their lives, Accumulation and Distribution. Brokers are paid in the accumulation phase, not so much in the distribution phase. Fee-based Financial Planners, like myself, are paid along the way to give our clients great advice in both phases of their lives. Distribution phase is the more difficult of the two to get right. If you do not do proper planning, one risks running out of money before your last breathe. Not to be entrusted to amateurs. I can help, please give me a call.
The Retirement Income Gender Gap -- Dealing with the ShortfallDolf Dunn
Are you facing a retirement income gap? Have you ever heard the saying what you don't know can't hurt you? "There is no shame in not knowing, the shame lies in not finding out" ~ Russian Proverb. It is never too soon to start planning your retirement income strategy. I can help, please read on, your retirement may depend on it.
Understanding what you can legally contribute towards your retirement savings is important, but it is the easy part. Saving into your retirement plans up to the max each year is the hard part. It requires financial discipline now to avoid regret later! Please read on...
Keep this handy Individual Income Tax chart to help quickly discover the changes from 2012 to 2013 as a result of "The American Taxpayer Relief Act of 2012." You have to love how Congress names their legislation.
Ignore LTC Planning at the Risk of Your Own Financial Peril.Dolf Dunn
This whole area of extended healthcare in retirement is so important to get right that I went and earned my CLTC designation. This area of your financial planning needs to be lead by someone who actually knows the subject matter. What is the difference between LTC planning and the Fiscal Cliff? You have great control over how you deal with LTC planning whereas you have no real say in what was decided by congress and the president last week.
Alert! Social Security is not enough to live on by itself. Monthly Social Security payments account for 25-30% of a person's total income in retirement. It was never intended to be the only source of income. there is an old saying "if it is meant to be, it is up to me". Saving for one's retirement is not a nice to do, but it is a MUST DO! If you have any further questions on which retirement plan might be best for you to set up, just give me a call to discuss.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
1. Dolf Dunn Wealth Management, LLC
Dolf Dunn, CPA/PFS,CFP®,CPWA®,CDFA
Private Wealth Manager
11330 Vanstory Drive
Suite 101
Huntersville, NC 28078
704-897-0482
dolf@dolfdunn.com
www.dolfdunn.com
Fixed vs. Adjustable Rate Mortgages
April 07, 2014
Like homes themselves, mortgages come in many
sizes and types, and one of the most important
decisions you face as you consider your choices is
whether to take out a fixed or an adjustable rate
mortgage. The type of mortgage that's right for you
depends on many factors, such as your tolerance for
risk and how long you expect to stay in your home.
Fixed rate mortgages
Fixed rate mortgages are very popular with
homebuyers because loan payments are predictable.
As the name implies, the interest rate on a
conventional fixed rate mortgage remains the same
throughout the term (length) of the loan. Your monthly
payment (consisting of principal and interest) remains
the same as well. The entire mortgage is repaid in
equal monthly installments over the term of the loan
(e.g., 15, 20, 30 years).
The good news is, you're locked in;
the bad news is, you're locked in
Locking in a fixed interest rate on your mortgage has
its good and bad points. If interest rates rise, yours
won't; as a result, your monthly mortgage payment
will always remain the same. This can be reassuring
to homeowners on tight budgets or with fixed
incomes. For this reason, fixed rate mortgages often
appeal to individuals with a low tolerance for the risk
associated with fluctuating monthly payments.
But if interest rates go down, yours won't, and your
(now high) mortgage payment will remain the same.
While you might be able to refinance your home,
paying off the higher-rate mortgage with one that
carries a lower interest rate, this isn't always possible.
In addition, the interest rate might need to drop
significantly to offset the expenses associated with
refinancing, and you'd need to remain in your home
long enough to allow the monthly savings associated
with the lower rate to recoup those expenses.
One special type of fixed rate mortgage that may be
available is an interest-only fixed rate mortgage. With
this type of mortgage, the term of the loan is divided
into two periods. During the first period (e.g., 10
years) you pay only interest and no principal so your
payment is lower. During the second period (e.g., 20
years) you pay both principal and interest until the
loan is paid off so your payment is higher. Because
these mortgages carry certain risks, they're not right
for everyone; you should be certain you can afford the
higher payment you'll need to make during the
second period before considering this type of fixed
rate mortgage.
Adjustable rate mortgages (ARMs)
With an ARM, also called a variable rate mortgage,
your interest rate is adjusted periodically, rising or
falling to keep pace with changes in market interest
rate fluctuations. Since the term of your mortgage
remains constant, the amount necessary to pay off
your loan by the end of the term changes as your
loan's interest rate changes. Thus, your monthly
payment amount is recalculated with each rate
adjustment.
Depending on what's specified in the mortgage
contract, an ARM can be adjusted semi-annually,
quarterly, or even monthly, but most are adjusted
annually. The adjustments are made on the basis of a
formula specified in the mortgage contract. To adjust
the rate, the lender uses an index that reflects general
interest rate trends, such as the one-year Treasury
securities index, and adds to it a margin reflecting the
lender's profit (or markup) on the money loaned to
you. Thus, if the index is 3.13% and the markup is
2.25%, the ARM interest rate would be 5.38%.
What's to keep the interest rate from going through
the roof--or, for that matter, from plunging through the
floor? Most ARMs specify interest rate caps. The
periodic adjustment cap may limit the amount of rate
change, up or down, allowed at any single adjustment
period. A lifetime cap may indicate that the interest
rate may not go any higher--or lower--than a specified
percentage over--or under--the initial interest rate.
Caution: Some ARMs cap the payment amount that
you are required to make, but not the interest
Page 1 of 2, see disclaimer on final page
2. Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2014
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any
individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance
referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.
The tax information provided is not intended to be a substitute for specific individualized tax planning advice. We suggest that you consult with a
qualified tax advisor.
Securities offered through LPL Financial, Member FINRA/SIPC
adjustment. With these loans, it's important to note
that payment caps can result in negative amortization
during periods of rising interest rates. If your monthly
payment would be less than the interest accrued that
month, the unpaid interest would be added to your
principal, and your outstanding balance would
actually increase, even though you continued to make
your required monthly payments.
The initial interest rates (referred to as teaser rates)
on ARMs are generally lower than the rates on fixed
rate mortgages. If you can tolerate uncertainty in your
mortgage interest rate and fluctuations in your
monthly mortgage payment amount, believe that
interest rates will stay low or go lower in the future, or
plan to live in your home for only a short period of
time, then you may want to consider an ARM.
Hybrid ARMs
Hybrid ARMs are mortgage loans that offer a fixed
interest rate for a certain time period (3, 5, 7, or 10
years), and then convert to a 1-year ARM. The initial
fixed interest rate on a hybrid ARM is often
considerably lower than the rate on either a 15-year
or 30-year fixed rate mortgage. The longer the initial
fixed-rate term, however, the higher the interest rate
for that term will be. Generally speaking, even the
lowest of these fixed rates is higher than the initial
(teaser) rate of a conventional 1-year ARM.
Conventional fixed rate
mortgage
Adjustable rate mortgage Hybrid adjustable rate mortgage
• Low risk
• 10- to 40-year term
• Interest rate doesn't change
during term
• Payment remains the same
• Higher risk
• Initial interest rate often lower
than fixed rate mortgage
• Interest rate may go up or down
• Interest rate usually adjusted
annually
• Rate adjustments may be limited
by cap(s)
• Payment caps can result in
negative amortization in periods of
rising interest rates
• Higher risk
• Initial rate often lower than fixed
rate mortgage
• Fixed term for 1 to 10 years, then
becomes a 1-year ARM
• May have option to convert to a
fixed rate mortgage before
becoming a 1-year ARM
• Interest rate may go up or down
• Rate adjustments may be limited
by caps
• Payment caps can result in
negative amortization in periods of
rising interest rates
Hybrid ARMs are ideal for individuals who plan to stay
in their homes for a short period of time (3 to 10
years), since they can take advantage of the low
initial fixed interest rate without worrying about how
the loan will change when it converts to an ARM. If
you think your plans may change or you are planning
on staying put for a while, look for a hybrid ARM with
a conversion option. This option will allow you to
convert your loan to a fixed rate loan before it turns
into an ARM.
Note: The Consumer Financial Protection Bureau's
new mortgage rules restrict certain interest-only
mortgage loans and loans that result in negative
amortization.
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