Comparing tax-exempt municipal bonds to U.S. Treasury bonds and corporate bonds. Also, looks at the larger muni and corporate bond ETFs in the current environment.
This in-depth report looks at the major waves of innovation and disruption that are beginning to radically alter the insurance industry. The insurance industry, unlike many other areas of financial services, has not yet been substantially disrupted by new technologies and transformative business models. However, the industry now appears to be at a key inflection point as many different constituents in the FinTech ecosystem have their sights squarely set on insurance as the next great opportunity.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
Mercer Capital's Bank Watch | October 2020 | Low Rates and Tighter NIMs Spur ...Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Private Equity and Venture Capital volume is depressed amid uncertainty and a changing capital environment during the first quarter of 2017. Read Bridgepoint Merchant Banking's latest Midwest Capital Raise Update, measuring private equity and venture capital throughout the Midwest.
Steeper the climb sweeter the view- Fixed Income Updateiciciprumf
We believe that the current steepness in bond markets should not make investors wary, instead it could be an opportune time to add duration as the longer end of the yield curve becomes attractive.
Insight Summit 2017: Intelligent Risk Taking – Private Equity
Partners Capital View of the Future of Private Equity Investing
Stan Miranda, Founder and CEO, Partners Capital Investment Group
Presented at the third annual Insight Summit conference held on 7 November 2017 by London Business School’s AQR Asset Management Institute.
Comparing tax-exempt municipal bonds to U.S. Treasury bonds and corporate bonds. Also, looks at the larger muni and corporate bond ETFs in the current environment.
This in-depth report looks at the major waves of innovation and disruption that are beginning to radically alter the insurance industry. The insurance industry, unlike many other areas of financial services, has not yet been substantially disrupted by new technologies and transformative business models. However, the industry now appears to be at a key inflection point as many different constituents in the FinTech ecosystem have their sights squarely set on insurance as the next great opportunity.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
Mercer Capital's Bank Watch | October 2020 | Low Rates and Tighter NIMs Spur ...Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Private Equity and Venture Capital volume is depressed amid uncertainty and a changing capital environment during the first quarter of 2017. Read Bridgepoint Merchant Banking's latest Midwest Capital Raise Update, measuring private equity and venture capital throughout the Midwest.
Steeper the climb sweeter the view- Fixed Income Updateiciciprumf
We believe that the current steepness in bond markets should not make investors wary, instead it could be an opportune time to add duration as the longer end of the yield curve becomes attractive.
Insight Summit 2017: Intelligent Risk Taking – Private Equity
Partners Capital View of the Future of Private Equity Investing
Stan Miranda, Founder and CEO, Partners Capital Investment Group
Presented at the third annual Insight Summit conference held on 7 November 2017 by London Business School’s AQR Asset Management Institute.
Rong Viet Securities - Investment Strategy Report Outlook 2018Thomas Farthofer
Recently our partner, Rong Viet, issued their extensive and very interesting annual Outlook for 2018.
Based on rising consumption and investment, RongViet expects Vietnam's GDP to grow by 6,7%. While the State's divestment plan, the development of three Special Economic Zones or potential renegotiations of trading agreements offer further upside, negative effects of higher consumption tax or delays in IPO plans represent some risk.
With earnings growth still positive and market valuations acceptable, RongViet forecasts the VNIndex to rise by almost 20% (normal case).
Inflation is expected to be around 3,7%, with the trading USD/VND rate at slightly above 23.000.
Please read the presentation for further details.
Access to this presentation has been made possible through "Sao Bien. Room for Education", an Austrian-based non-profit organization and cooperation partner of Viet Dragon Securities.
Reprinted with the permission of Viet Dragon Securities. Not for US investors.
BoyarMiller Breakfast Forum Current State of the Capital Markets - 2014BoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller gathers industry experts for a panel discussion on the Current State of the Capital Markets. Speakers include: Lee Partridge, Salient Partners; Cliff Atherton, GulfStar Group; and Paul Murphy, Cadence Bancorp, LLC.
LICHSGFIN- Buy in the range of 477-480 for the Target of 490 with the SL of 472 INDUSINDBK- Buy in the range of 928-933 for the Target of 952 with the SL of 918
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @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
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
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 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
1. Municipal Bonds v. U.S. Treasury & Corporate Bonds
August 20, 2018
J.R. Rieger
jrrieger@yahoo.com | (516) 524-1110 | theriegerreport.com
2. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
Munis – Key Takeaways: New Issues Impacting Long End
• Short end still rich relative to other options available (including dividends, UST and corporate bonds)
• Long end seeing some pressure to move cheaper as new issue supply increases
• Muni v corporate bonds: excluding the short end of the curve, munis are still attractive for higher tax bracket market
participants
• I.G. municipal bond ETFs are good options for beta exposure: iShares MUB and Vanguard VTEB are two good examples
• iShares National Municipal Bond (MUB): SEC 30 Day Yield 2.43% (Taxable Equivalent Yield1= 3.85%)
• Vanguard National Municipal (VTEB): SEC 30 Day Yield: 2.48% (Taxable Equivalent YIeld1= 3.93%)
• Vanguard Intermediate Term Corporate (VCIT): SEC 30 Day Yield: 4.02%
• iShares iBoxx Investment Grade Corporate (LQD): SEC 30 Day Yield: 4.07%
• High yield muni bond ETFs still appear attractive: VanEck Vectors HYD and SPDR HYMB are two good examples
• VanEck Vectors High Yield Municipal (HYD): SEC 30 Day Yield 3.99% (Taxable Equivalent YIeld1 = 6.33%)
• SPDR Nuveen S&P High Yield Municipal (HYMB): SEC 30 Day Yield 3.85% (Taxable Equivalent YIeld1 = 6.11%)
1Taxable Equivalent Yield assumes a 37% federal tax rate. Data as of 8/17/2018.
3. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
Data as of 8/17/2018 with exception of S&P Dividend Yield being as of noon 8/20/2018. Sources: Municipal bond yields sourced
from The Bond Buyer www.bondbuyer.com Data Workstation and MBIS www.mbis.com , U.S. Treasury bond yields sourced from the
U.S. Department of the Treasury www.treasury.gov and the S&P 500 Dividend Yield was sourced from S&P Dow Jones Indices
www.spdji.com . Chart is provided for illustrative purposes only.
72%
80%
91%
101% 101%
70%
75%
80%
85%
90%
95%
100%
105%
1.25
1.75
2.25
2.75
3.25
0 5 10 15 20 25 30 35
%ofUSTYield
Yield%
Year
AAA Municipal Bond Yields
AAA Muni Yield US Treasury Yield S&P 500 Dividend Yield % of UST Yield
S&P 500 Dividend Yield 1.89%
4. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
1.5
2
2.5
3
3.5
4
4.5
5
5.5
0 5 10 15 20 25 30
Yield%
Year
AAA Municipal Bond Yields & Taxable Equivalent
Yields v.
U.S. Treasury Bond Yields
AAA Muni UST TEY 37% TEY 32% TEY 24% TEY 12% TEY 10%
Data as of 8/17/2018. Sources: Municipal bond yields sourced from the Bond Buyer Data Workstation www.bondbuyer.com and MBIS
www.mbis.com Municipal Yield Curves, U.S. Treasury bond yields sourced from the U.S. Department of the Treasury www.treasury.gov. Chart is
provided for illustrative purposes only. TEY = Taxable Equivalent Yield at tax rate assumption stated.
5. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
1.5
2
2.5
3
3.5
4
4.5
5
5.5
0 5 10 15 20 25 30
Yield%
Year
AAA Municipal Bond Yields & Taxable Equivalent
Yields v.
Apple Inc. Corporate Bond Yields
AAA Muni Apple Inc. TEY 37% TEY 32% TEY 24% TEY 10%
Data as of 8/17/2018. Sources: Apple Inc. bond yields provided by SQX https://sqx.com/ . Municipal bond yields sourced from the Bond Buyer
Data Workstation www.bondbuyer.com and MBIS www.mbis.com. Chart is provided for illustrative purposes only. TEY = Taxable Equivalent
Yield at tax rate assumption stated.
6. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
1.5
2
2.5
3
3.5
4
4.5
5
5.5
0 5 10 15 20 25 30
Yield%
Year
AA Municipal Bond Yields & Taxable Equivalent
Yields v.
Apple Inc. Bond Yields
AA Muni Apple Inc. TEY 37% TEY 32% TEY 24% TEY 10%
Data as of 8/17/2018. Sources: Apple Inc. bond yields provided by SQX https://sqx.com/ . Municipal bond yields sourced from the Bond Buyer
Data Workstation www.bondbuyer.com and MBIS www.mbis.com. U.S. Treasury bond yields sourced from U.S. Department of the Treasury
www.treasury.gov. Chart is provided for illustrative purposes only. TEY = Taxable Equivalent Yield at tax rate assumption stated.
7. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
• Municipal bond yields: the Bond Buyer Data Workstation
https://dataworkstation.bondbuyer.com/
• Municipal bond yields: MBIS https://mbis.com/
• Apple Inc. bond yields: SQX https://sqx.com/
• U.S. Treasury bond yields: U.S. Department of Treasury
https://www.treasury.gov
Data Resources Used in this Report
8. August 20, 2018
1 (516) 524-1110 jrrieger@yahoo.com | www.theriegerreport.com
Notes:
• Taxable Equivalent Yield = Tax Exempt Yield / (1 – Federal Tax Rate)
• 2018 tax brackets, however not all tax brackets are represented herein
• End of day yields are used
Analyst Disclosure:
• J.R. Rieger and or the Rieger Report LLC has not received compensation either directly or indirectly from the
sponsor(s) of the ETF(s) included in this report.
• At the time of this writing, J.R. Rieger does not own the ETF(s) cited in this report, nor bonds issued by Apple
Inc.
• Between July 1st and July 13th 2018, J.R. Rieger purchased insured municipal bonds and AA and higher rated
municipal bonds in the 8 – 14 year maturity range.