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  • 1. What are the different types of bonds available? Views: 68
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    Terms of Use: There are several different types of bonds and bond issuers. Bonds can have fixed rates, variable rates and may be pre-paid by the bond issuer at any time. Some bonds even have fixed rates for a portion of their term and variable rates for a portion of their term. The particulars of how a bond functions is found in the bond's prospectus. When you buy a bond issued in US dollars, you are assuming two different types of risk. You are assuming the credit risk that the bond iss  More...
  • 2. What things should I consider when selecting someone to manage my investments? Views: 42
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    Terms of Use: This knowledge article is part of a series of knowledge articles aimed to help you define your roadmap to savings and investing. To review the previous knowledge article in this series, click here . To review the table of contents for the articles, click here How To Pick A Financial Professional Are you the kind of person who can go solo on the journey of saving and investing? Do you have a firm command of your investment choices and how to go about making them? Maybe you&#  More...
  • 3. What are the primary economic indicators that economists follow when trying to measure how the economy is doing? Views: 37
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    Terms of Use: Investors should follow economic news, since the health of the economy affects individual investments. Yet, sometimes press reports about the economy can be difficult to understand. The Federal Reserve Bank of Richmond has information on their site to help you understand the numbers that frequently appear in media reports. The following is a summary: Output: Gross domestic product (GDP) is the dollar value of the goods and services produced in a specific period. In general, the  More...
  • 4. Any suggestions for getting started with investing? Views: 34
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    Terms of Use Need some help finding the right path for your financial future? You've come to the right place. We've put together an itinerary that takes in all the basics for your journey to learn more about saving and investing. Traveling down the right road to achieving financial well-being is one of the most important trips that you'll ever make in life. You don't have to be a genius to do it … and you don't have to be rich … you just need to hit the road a  More...
  • 5. What are bonds? Views: 34
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    Terms of Use Bonds are financial instruments where a bond issuers, such as the US federal government or a company, is borrowing money. Essentially bonds are just loans. Bonds purchasers, called bondholders, can be individuals, companies and governments. When you buy a bond you are loaning the bond issuer money. Interest payments are made to bondholders based on the rate, payment frequency (monthly, quarterly, annually, etc.) and for the term (6 months, 1 year, 10 years, 30 years, etc.)  More...
  • 6. What is preferred stock? Views: 32
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    Terms of Use: Preferred stock has a preference over common stock usually both in the payment of dividends and the distribution of assets. In the event that a company is liquidated, preferred stock owners have a priority over the common shareholders in receiving the liquidation proceeds. Unlike common shareholders, preferred shareholders usually are paid a fixed dividend that is not increased with the success of the company. There is generally much less fluctuation in the price of preferred  More...
  • 7. How do I make a financial plan? Views: 32
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    Terms of Use: Make A Financial Plan Figuring Out Your Finances This knowledge article is part of a series of knowledge articles aimed to help you define your roadmap to savings and investing. To review the previous knowledge article in this series, click here . To review the table of contents for the articles, click here . You can never take a journey without knowing where you're starting from, and a journey to financial security is no different. You'll need to figure out on paper your current s  More...
  • 8. What is common stock? Views: 31
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    Terms of Use: Common stock is an investment in the ownership, or equity, of a corporation. Common shareholders are usually entitled to vote on the selection of directors as well as other important corporate matters. They expect a return on their investment from the dividends paid by the corporation as well as anticipated appreciation in the market value of the stock as the company prospers. The common shareholders are owners, and their right to corporate assets on liquidation is junior to   More...
  • 9. How should I go about defining my investment goals? Views: 30
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    Terms of Use Define Your Goals This knowledge article is part of a series of knowledge articles aimed to help you define your roadmap to savings and investing. To review the table of contents for the articles, click here . What are the things you want to save and invest for … A home? A new car? Your education or that of a child? A comfortable retirement? The needs of your parents? All of these goals will cost money. To make sure that you will have enough money when you need it, follo  More...
  • 10. What is the stock market? Views: 30
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    Terms of Use: Stock markets are exchanges for the buying and selling of equities, or shares, in corporations. The two largest are the New York Stock Exchange (NYSE) and the National Association of Securities Dealers Automated Quotation system (NASDAQ). Each works very differently. The NYSE takes orders from brokers, who transmit them to their representatives on the trading floor. The floor broker takes the order to the trading post on the exchange floor and executes it. The price is record  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

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