Are bonds a safe investment? Probably not as safe as many financial planners would like you to think. If you are looking to make money in the long term, bonds are likely not where you should be investing your money.
Knowing what you spend monthly seems like a simple concept. How much money does it take for you to live comfortably each month? So many investors don't know this. If you don't follow simple financial planning concepts like monthly budgeting, then how do you expect to successfully save money?
The Mortgage Rescue Scheme provides £9.5 million in social housing grants each year to help families facing homelessness due to difficulties paying their mortgages; it does this by providing equity loans to reduce mortgage payments or allowing housing associations to purchase the property so the family can remain as tenants. To qualify, one must have their lender commence legal action, housing must be the primary residence, and the homeowner must be unable to sell and buy cheaper housing; over 350 families have been helped through approvals and purchases under the program so far.
The most important concept to understand when it comes to financial planning is SAVE MORE MONEY. It really is that simple. One way to be totally counterproductive in regards to your 401k account is to take loans from it. We will discuss why this is a poor decision in this presentation.
Filing for bankruptcy or letting the car get repossessed are options for dealing with an unaffordable car loan. If the car is repossessed, the loan is considered in default and will damage the person's credit rating. Bankruptcy stays on a credit report for 7-10 years and may make it difficult to get loans.
This document discusses homeowners who are facing foreclosure or adjustable mortgage rates and are unable to refinance due to lack of equity. It states that one in five hundred homes are expected to go into foreclosure in the next year. It encourages calling their team of experts who have helped many homeowners get out of difficult situations by discussing necessary steps to reduce mortgages or sell homes for less than their worth at no cost. It claims their success is from experience negotiating with banks and understanding options and rights to help avoid tax implications and keep good credit.
Differences Between Under 50 and Over 50 Life Insurance - LifeNet Insurance S...Lenny Robbins
The document discusses the differences between under 50 and over 50 life insurance. For under 50s, life insurance is often purchased when starting a family to provide financial security for dependents. Coverage amounts are typically 8-10 times annual income. For over 50s, the main reason for life insurance is providing financial comfort for a surviving spouse in retirement. Over 50 policies are also used for pension and estate tax planning. Reasons for life insurance needs change with age.
The document discusses the concept of risk and its importance for insurance, explaining that risk is the possibility of financial loss and insurance companies measure risk to determine premium costs and eligibility, as insurance works by transferring risk from a policyholder to an insurance company in exchange for premium payments that fund any claims. It also outlines different options for handling risk like avoidance, retention, and transfer of risk through an insurance policy.
HOM INtro #33: Why Are You Behind on Your Mortgage Payments? (At least, what ...MildredWilkins
Yes, I know it is because you don’t have the money… but that is not a reason that the bank wants to hear. The REASON why you don’t have the money is more important than the fact they you can’t pay—in the lenders’ eyes. They are looking for reasons which are acceptable to them: an acceptable hardship or circumstance which triggered your inability to send your scheduled payment. They do NOT want to hear that you had to bail your drunken brother out of jail. Again. Nor it is a good idea to tell them the trip to Vegas was one you had planned for the past 2years so you had to go. I had to buy Christmas presents because I have young kids is also NOT an acceptable hardship. We’ll cover for you what ARE acceptable reasons for being in default. You can be better prepared to defend your position and your need for help when you know what is and IS NOT acceptable. We’ve got you covered.
Knowing what you spend monthly seems like a simple concept. How much money does it take for you to live comfortably each month? So many investors don't know this. If you don't follow simple financial planning concepts like monthly budgeting, then how do you expect to successfully save money?
The Mortgage Rescue Scheme provides £9.5 million in social housing grants each year to help families facing homelessness due to difficulties paying their mortgages; it does this by providing equity loans to reduce mortgage payments or allowing housing associations to purchase the property so the family can remain as tenants. To qualify, one must have their lender commence legal action, housing must be the primary residence, and the homeowner must be unable to sell and buy cheaper housing; over 350 families have been helped through approvals and purchases under the program so far.
The most important concept to understand when it comes to financial planning is SAVE MORE MONEY. It really is that simple. One way to be totally counterproductive in regards to your 401k account is to take loans from it. We will discuss why this is a poor decision in this presentation.
Filing for bankruptcy or letting the car get repossessed are options for dealing with an unaffordable car loan. If the car is repossessed, the loan is considered in default and will damage the person's credit rating. Bankruptcy stays on a credit report for 7-10 years and may make it difficult to get loans.
This document discusses homeowners who are facing foreclosure or adjustable mortgage rates and are unable to refinance due to lack of equity. It states that one in five hundred homes are expected to go into foreclosure in the next year. It encourages calling their team of experts who have helped many homeowners get out of difficult situations by discussing necessary steps to reduce mortgages or sell homes for less than their worth at no cost. It claims their success is from experience negotiating with banks and understanding options and rights to help avoid tax implications and keep good credit.
Differences Between Under 50 and Over 50 Life Insurance - LifeNet Insurance S...Lenny Robbins
The document discusses the differences between under 50 and over 50 life insurance. For under 50s, life insurance is often purchased when starting a family to provide financial security for dependents. Coverage amounts are typically 8-10 times annual income. For over 50s, the main reason for life insurance is providing financial comfort for a surviving spouse in retirement. Over 50 policies are also used for pension and estate tax planning. Reasons for life insurance needs change with age.
The document discusses the concept of risk and its importance for insurance, explaining that risk is the possibility of financial loss and insurance companies measure risk to determine premium costs and eligibility, as insurance works by transferring risk from a policyholder to an insurance company in exchange for premium payments that fund any claims. It also outlines different options for handling risk like avoidance, retention, and transfer of risk through an insurance policy.
HOM INtro #33: Why Are You Behind on Your Mortgage Payments? (At least, what ...MildredWilkins
Yes, I know it is because you don’t have the money… but that is not a reason that the bank wants to hear. The REASON why you don’t have the money is more important than the fact they you can’t pay—in the lenders’ eyes. They are looking for reasons which are acceptable to them: an acceptable hardship or circumstance which triggered your inability to send your scheduled payment. They do NOT want to hear that you had to bail your drunken brother out of jail. Again. Nor it is a good idea to tell them the trip to Vegas was one you had planned for the past 2years so you had to go. I had to buy Christmas presents because I have young kids is also NOT an acceptable hardship. We’ll cover for you what ARE acceptable reasons for being in default. You can be better prepared to defend your position and your need for help when you know what is and IS NOT acceptable. We’ve got you covered.
There are several hidden costs involved with homeownership beyond the monthly mortgage payments. These include closing costs when finalizing the loan, annual property taxes, private mortgage insurance if the down payment is less than 20% of the home's value, homeowners insurance, costs for decorating the house, and future expenses for home maintenance and repairs. Homeowners must budget for all of these additional financial obligations.
Seniors are increasingly carrying higher levels of debt into retirement which is an added risk on a fixed income. We address debt management solutions for seniors if debt levels are threatening their ability to make ends meet.
What To Do When You Can't Pay Your MortgageHoyes Michalos
Your home is your biggest asset but you're struggling with keeping up with your mortgage payments. What are your options to deal with your debts and keep your house.
The document provides an overview of life insurance, discussing why people own life insurance, the different types of policies, and how life insurance can benefit both individuals and their families. It summarizes the benefits of term and permanent life insurance, and explains that a needs analysis can help individuals choose the best type of policy based on their specific needs, budget, and goals.
The document discusses the top 10 myths about reverse mortgages. It addresses each myth and whether it is true or false. Some of the myths addressed include that the lender will own your home if you get a reverse mortgage, that there are restrictions on how you can use the funds, and that only low-income seniors qualify for reverse mortgages. For each myth, the document provides a brief explanation debunking or confirming the myth.
Intro to Insurance - It's a Money ThingTim McAlpine
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.
This document discusses the high rate of foreclosures in the US and introduces two programs from US Residential that can help homeowners facing foreclosure or who are underwater on their mortgages. The programs involve US Residential buying the property, settling with the bank for a lower amount, then reselling it for a profit while giving the homeowner a portion of the profit. Real estate agents are encouraged to refer clients facing foreclosure to these programs, as it offers homeowners options and agents could potentially receive referrals or listings from properties resold through the programs.
One loan for all loans debt consolidation loanAnisha Sachit
Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog:https://financebuddha.com/blog/home-loan-vs-home-construction-loan
The document is a lecture outline on the topic of insurance. It defines insurance as a financial arrangement where the risk of financial loss is transferred from an individual to a group and losses are shared among members. The outline discusses what insurance means to individuals in terms of peace of mind and security. It also covers topics like who and what is important to insure, different types of insurance policies to protect health, property and retirement, and how to select and buy insurance.
One way to invest for your retirement is to buy bonds. A lot of people swear by them and even financial advisers will recommend them to you. But if you’re a bit confused as to what bonds are the answer is pretty simple – it’s an IOU.
The best Life Insurance for couples in Mississauga and TorontoPravesh Vasudeva
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
The document is a certificate of deposit (CD) that provides information about CDs. It discusses that CDs are savings products offered by banks and credit unions that are insured by the FDIC or NCUA. CDs offer higher interest rates than savings accounts but require keeping the funds in the CD until maturity without facing penalties for early withdrawal. The document also lists different types of CDs and compares the pros and cons of CDs to other savings options.
Income protection insurance provides income payments to replace lost earnings if someone is unable to work due to an accident, injury, illness, or unemployment. There are different types of income protection insurance plans that vary in payment amounts, duration of payments, and definitions of disability. It is important to compare income protection insurance quotes and carefully review policy details and limitations to find the most suitable plan.
State Farm Agent in Austin TX for life, home, car insurance and more at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical Insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site kirkingels.com is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding State Farm Agent in Austin TX simple work.
Contact Us: Kirk Ingles
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: (512) 270-6327
Fax: (512) 870-9370
Follow us on:
https://www.pinterest.com/StateFarmAustinTX/
https://www.instagram.com/statefarmaustintx/
http://statefarmaustintx.wordpress.com/
https://statefarmaustintx.tumblr.com/
https://en.gravatar.com/statefarmaustintx
Shareholder protection insurance protects shareholders in the event of the death of another shareholder. It ensures the deceased shareholder's shares can be purchased by the surviving shareholders or the company. This maintains control of the company within the existing shareholders and prevents shares passing to outsiders like family members. It also provides funds for the deceased's family by allowing the company or other shareholders to purchase the shares. The presentation discusses the reasons for shareholder protection insurance, different policies and agreements used, and valuation of private company shares. Questions are invited at the end.
The document provides an overview of reverse mortgages, including what they are, their history, why they are growing in popularity, the qualification process, how funds can be received, potential benefits and drawbacks, and how the process works. A reverse mortgage allows homeowners age 62+ to convert equity in their home into tax-free cash without making payments as long as they live in the home. Key points covered include how reverse mortgages can provide funds for seniors on fixed incomes, the closing costs involved, how lines of credit can grow over time, and that the homeowner retains ownership and can never owe more than the home is worth.
Many retirees underestimate their retirement expenses and are forced to find alternative means of funding their retirement needs. Home equity is a major asset for many retirees, comprising over 70% of their net worth. While some consider downsizing or taking out a home equity loan, reverse mortgages provide retirees with flexible access to their home equity with no monthly payments or credit checks required. Reverse mortgages allow retirees to tap into their home equity to generate additional cash flow and maintain their independence in retirement.
Wondering whether you should invest with a discount brokerage firm or a full-service firm? This presentation outlines what you can expect from both discount brokers and full-service brokers.
Alan Greenspan, Ben Bernanke, and Warren Buffet have all cautioned against bonds recently and deemed them risky investments. So what makes the risk level so high?
There are several hidden costs involved with homeownership beyond the monthly mortgage payments. These include closing costs when finalizing the loan, annual property taxes, private mortgage insurance if the down payment is less than 20% of the home's value, homeowners insurance, costs for decorating the house, and future expenses for home maintenance and repairs. Homeowners must budget for all of these additional financial obligations.
Seniors are increasingly carrying higher levels of debt into retirement which is an added risk on a fixed income. We address debt management solutions for seniors if debt levels are threatening their ability to make ends meet.
What To Do When You Can't Pay Your MortgageHoyes Michalos
Your home is your biggest asset but you're struggling with keeping up with your mortgage payments. What are your options to deal with your debts and keep your house.
The document provides an overview of life insurance, discussing why people own life insurance, the different types of policies, and how life insurance can benefit both individuals and their families. It summarizes the benefits of term and permanent life insurance, and explains that a needs analysis can help individuals choose the best type of policy based on their specific needs, budget, and goals.
The document discusses the top 10 myths about reverse mortgages. It addresses each myth and whether it is true or false. Some of the myths addressed include that the lender will own your home if you get a reverse mortgage, that there are restrictions on how you can use the funds, and that only low-income seniors qualify for reverse mortgages. For each myth, the document provides a brief explanation debunking or confirming the myth.
Intro to Insurance - It's a Money ThingTim McAlpine
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.
This document discusses the high rate of foreclosures in the US and introduces two programs from US Residential that can help homeowners facing foreclosure or who are underwater on their mortgages. The programs involve US Residential buying the property, settling with the bank for a lower amount, then reselling it for a profit while giving the homeowner a portion of the profit. Real estate agents are encouraged to refer clients facing foreclosure to these programs, as it offers homeowners options and agents could potentially receive referrals or listings from properties resold through the programs.
One loan for all loans debt consolidation loanAnisha Sachit
Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog:https://financebuddha.com/blog/home-loan-vs-home-construction-loan
The document is a lecture outline on the topic of insurance. It defines insurance as a financial arrangement where the risk of financial loss is transferred from an individual to a group and losses are shared among members. The outline discusses what insurance means to individuals in terms of peace of mind and security. It also covers topics like who and what is important to insure, different types of insurance policies to protect health, property and retirement, and how to select and buy insurance.
One way to invest for your retirement is to buy bonds. A lot of people swear by them and even financial advisers will recommend them to you. But if you’re a bit confused as to what bonds are the answer is pretty simple – it’s an IOU.
The best Life Insurance for couples in Mississauga and TorontoPravesh Vasudeva
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
The document is a certificate of deposit (CD) that provides information about CDs. It discusses that CDs are savings products offered by banks and credit unions that are insured by the FDIC or NCUA. CDs offer higher interest rates than savings accounts but require keeping the funds in the CD until maturity without facing penalties for early withdrawal. The document also lists different types of CDs and compares the pros and cons of CDs to other savings options.
Income protection insurance provides income payments to replace lost earnings if someone is unable to work due to an accident, injury, illness, or unemployment. There are different types of income protection insurance plans that vary in payment amounts, duration of payments, and definitions of disability. It is important to compare income protection insurance quotes and carefully review policy details and limitations to find the most suitable plan.
State Farm Agent in Austin TX for life, home, car insurance and more at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical Insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site kirkingels.com is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding State Farm Agent in Austin TX simple work.
Contact Us: Kirk Ingles
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: (512) 270-6327
Fax: (512) 870-9370
Follow us on:
https://www.pinterest.com/StateFarmAustinTX/
https://www.instagram.com/statefarmaustintx/
http://statefarmaustintx.wordpress.com/
https://statefarmaustintx.tumblr.com/
https://en.gravatar.com/statefarmaustintx
Shareholder protection insurance protects shareholders in the event of the death of another shareholder. It ensures the deceased shareholder's shares can be purchased by the surviving shareholders or the company. This maintains control of the company within the existing shareholders and prevents shares passing to outsiders like family members. It also provides funds for the deceased's family by allowing the company or other shareholders to purchase the shares. The presentation discusses the reasons for shareholder protection insurance, different policies and agreements used, and valuation of private company shares. Questions are invited at the end.
The document provides an overview of reverse mortgages, including what they are, their history, why they are growing in popularity, the qualification process, how funds can be received, potential benefits and drawbacks, and how the process works. A reverse mortgage allows homeowners age 62+ to convert equity in their home into tax-free cash without making payments as long as they live in the home. Key points covered include how reverse mortgages can provide funds for seniors on fixed incomes, the closing costs involved, how lines of credit can grow over time, and that the homeowner retains ownership and can never owe more than the home is worth.
Many retirees underestimate their retirement expenses and are forced to find alternative means of funding their retirement needs. Home equity is a major asset for many retirees, comprising over 70% of their net worth. While some consider downsizing or taking out a home equity loan, reverse mortgages provide retirees with flexible access to their home equity with no monthly payments or credit checks required. Reverse mortgages allow retirees to tap into their home equity to generate additional cash flow and maintain their independence in retirement.
Wondering whether you should invest with a discount brokerage firm or a full-service firm? This presentation outlines what you can expect from both discount brokers and full-service brokers.
Alan Greenspan, Ben Bernanke, and Warren Buffet have all cautioned against bonds recently and deemed them risky investments. So what makes the risk level so high?
Don't hire the next Bernie Madoff! There are plenty of red flags to be on the alert for when meeting new investment advisors. Ask plenty of questions and make sure you feel comfortable before making a decision.
Getting out of student loan debt is a goal most people spend their twenties accomplishing. There is a government program that could lighten the financial burden students loans are putting on your cash flow. You should know about this program.
Rebalancing because the calendar has reached a specific date is not the best approach when it comes to growing your assets. Rebalancing according to what changes are currently happening in the market makes much more sense.
The podcast discusses Mullooly Asset Management's approach to investing which uses short, intermediate, and long term indicators together like a "dimmer switch" to determine when to buy and sell investments. This "dimmer switch" method helps avoid being too bullish at market tops or too defensive at market bottoms. The podcast also cautions listeners to consult their investment advisor before making decisions based on the podcast.
Many people wonder how much investment advice should cost them. That depends on whether they choose to work with a fee-only investment advisor, financial planner, or stock broker. Learn they different ways they charge for investment advice in this presentation.
Many investors want to know how much commission stock brokers make? This question has more to do with the brokerage firm and how they run their business. Many brokerage firms categorize their brokers into levels of production. They also classify their clients based on assets.
This podcast discusses fiduciary obligations and who has them. A fiduciary obligation requires recommendations to be both suitable and prudent, while brokers only need recommendations to meet a presumption of suitability. The podcast warns listeners not to rely on it alone for investment advice and to consult an advisor before making investment decisions.
Many investors don't know the difference between Roth IRA's and traditional IRA's. Learn how they differ in this presentation from Mullooly Asset Management.
Learn why you must have an emergency fund and how much you should have in it. This is an important financial planning concept that many people are unaware of.
The podcast discusses retirement planning and target date funds. It explains that target date funds automatically become more conservative over time by adjusting the mix of stocks, bonds, and cash as the target retirement date approaches. The podcast provides examples of different target date funds and their current allocations, including one fund that is 90% stocks, 7% bonds, and 3% cash. It cautions investors to carefully consider the stocks and funds that make up target date funds.
Learn about the three kinds of annuities. The three kinds are immediate annuities, fixed annuities, and variable annuities. There are some serious questions you should be asking before getting involved with any annuity. Learn about them in this presentation.
The document discusses options for retirement savings and college savings. It notes that stopping retirement contributions for one or two years could provide $17,000-$34,000 but is risky as one must be disciplined to restart contributions. It also states that student loans can be used for college but not retirement, so saving for retirement should take priority. The document cautions that 529 plans and custodial accounts have pros and cons for college savings.
This document discusses the advantages of life insurance. It explains that life insurance can protect families, leave a legacy, pay off debts, and provide tax-free retirement planning and portfolio diversification. There are two main types - term insurance, which provides coverage for a set term, and permanent insurance, which provides lifelong coverage if premiums are paid. Permanent policies like whole, universal, variable, and index universal life build cash value over time. Index universal life ties cash value growth to stock market indexes with floors and caps. Overall, life insurance provides financial flexibility, living benefits, and leaves a tax-free legacy for loved ones.
This podcast summary discusses a New York Times article about retirees facing a million-dollar illusion due to underestimating how long their savings need to last. The podcast suggests that moving too heavily into bonds near retirement can be problematic as stocks often continue growing longer. Instead, it recommends staying in the stock market longer and averaging into bonds over time rather than all at once. Listeners are advised to consult their financial advisors before making investment decisions.
Is taking a loan from your New York State Deferred Compensation Plan a good idea? Tom Mullooly of Mullooly Asset Management goes over the pro's and the con's involved with taking a loan from your NYSDCP.
A recent study found that most US households with $100,000-$500,000 in assets do not have a formal retirement plan and have not spoken to a financial advisor. Many people do not contact an advisor due to fear, lack of trust, or not wanting to appear unintelligent. The podcast discusses different types of financial advisors and how they are paid, such as fee-only, commissions, or a mix of fees and commissions. It cautions listeners that the podcast is not investment advice and to consult an advisor before making investment decisions.
This document contains various quotes and passages on different topics such as psychology, prospecting, and trading strategies. It discusses the importance of visualizing success and maintaining a positive mindset. It also offers tips for daily trading management, including setting alerts, reading emails, charting by hand, journaling positions, and using combo signals. One decision to ignore a sell signal resulted in losses for the year.
What is a conservative investor and what can they expect when they invest? These are two questions that advisors and investors seem to have different answers for.
The podcast discusses stock market trends over the past 50 years, noting that historically October through May has averaged a 6.6% return while May through October has averaged 0.8%. While September is usually the worst month of the year, in 2013 the Dow Jones and S&P 500 both rose around 3%. The podcast warns against relying too heavily on historical patterns and predicts outcomes, saying these types of predictions are like a weather forecast and markets do not always follow the same patterns.
How diversified is your retirement plan at work? Do you have good options when it comes to saving for retirement? If you don't have good investment options, find out if you have a self-directed brokerage option.
The document discusses traditional asset allocation models used by many financial planners that divide investments into categories like stocks, bonds, and cash. It notes that the standard 60/40 portfolio allocation of 60% stocks and 40% bonds and cash may not be optimal as smaller-cap stocks have outperformed large-cap stocks in the past 12 years while fixed income carries more risk now and cash provides no yield. The document suggests most advisors use simple asset allocation models to spread risk rather than actively choosing sectors that are performing well.
What are the benefits of point and figure charting? There are quite a few. The most important being that it clearly shows us supply and demand. It allows us turn down the noise created by the financial media, and focus on what matters. That is why we utilize point and figure technical analysis here at Mullooly Asset Management.
Gain a better understanding of leveraged Exchange Traded Funds. These ETFs are not your average funds, so you should completely understand them (and consult your investment advisor) before making a decision to invest.
This document discusses distributions from mutual funds and exchange-traded funds (ETFs). It explains that mutual funds can distribute income, dividends, short-term capital gains, and long-term capital gains to shareholders. It also notes that when a mutual fund sells assets that have appreciated over many years, the capital gains are distributed to current shareholders even if they have only held the fund for a shorter period. The document additionally covers how mutual fund managers determine which assets to sell when redemptions are requested and that mutual funds carry over capital losses instead of distributing them. Finally, it states that ETFs also distribute income, dividends, and any realized capital gains or losses to shareholders.
80% of the risk from investing comes from not being invested in the right sector or not paying attention to market conditions. Choosing the "hot stock" is of little importance. Sector-based investing is more valuable.
The document discusses the differences between open-end and closed-end funds. It outlines the three primary types of open-end funds: front-end funds, back-end funds, and low-level load funds. It describes the two main fees built into funds as management expenses and sales charges. It provides examples of how fees work for each type of open-end fund. The document cautions that returns stated as net of fees and expenses may not fully reflect the impact of fees depending on the example.
The Dow Jones has reached a new record high what does it mean for investors though? Learn what happened last time the Dow reached a new high, and why this time looks to be different.
Tom gets into a recent tweet by radio personality Dave Ramsey. He claims that saving a million dollars for retirement is feasible, and in fact simple. The main message of his tweet was to save more money!
The document discusses two funds - FOCPX, a large cap growth fund, and IYW, an ETF that tracks the technology sector. FOCPX's top holdings include Apple, Google, and Oracle. It has an expense ratio of 0.9% and reports holdings semi-annually. IYW's top holdings are similar tech giants and it has a lower expense ratio of 0.48%. It trades on an exchange so there are no sales charges. The document cautions that nothing in the podcast should be considered investment advice and advises consulting an advisor before making investment decisions.
More from Thomas Mullooly CEO Investment Advisor Financial Planner (14)
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
2. Buying a Bond Means…
You are lending to a company or the government
(state, local, federal)
Mullooly Asset Management June 2013
3. When You Own a Bond…
Pay a market price
Get a coupon/interest payment until maturity
Get principal back at maturity
Mullooly Asset Management June 2013
4. Things to Know About Bonds
Bond prices move 24/7 depending on interest rates
If interest rates rise after you invest, value of bond
drops
If you hold to maturity, you will get face amount of
bond at maturity
Mullooly Asset Management June 2013
5. More to Consider About Bonds
Worst Case Scenario
Hold until maturity
As long as no default expect to get face amount back
Bond Mutual Funds
There is no maturity
Mullooly Asset Management June 2013
6. None of the securities mentioned in this (or any) podcast or
video represent past specific recommendations of Mullooly
Asset Management.
This video is NOT a recommendation to buy or sell any of
the securities mentioned here.
If you’re relying on a podcast for investment advice, you are
likely making a huge mistake.
We strongly urge our listeners to consult with their
investment advisor before they make a decision to buy or
sell any investment.
Mullooly Asset Management June 2013
7. Mullooly Asset Management, LLC
support (at) mullooly (dot) net
732-223-9000
www.mullooly.net
Mullooly Asset Management June 2013