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  • 1. Any suggestions for getting started with investing? Views: 53
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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...
  • 2. How do I make a financial plan? Views: 37
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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...
  • 3. How can I determine my tolerance to risk when deciding what to invest in? Views: 34
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    Terms of Use Determine Your Risk Tolerance 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 are approaching the half-way point in your journey to saving and investing. This is a good point to make sure that you understand some key concepts: Savings Your savings are usually put i  More...
  • 4. What can I do to avoid problems when investing? Views: 31
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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 Avoid Problems Choosing someone to help you with your investments is one of the most important investment decisions you will ever make. While most investment professionals are honest and hardworking, you must watch ou  More...
  • 5. What things should I consider when selecting someone to manage my investments? Views: 31
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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...
  • 6. What does a credit rating for a bond issuer mean? Views: 29
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    Terms of Use The credit rating for a bond reflects the degree of risk associated with the bond issuer defaulting on the loan. There are several rating agencies that rate bond issuers. Credit ratings are based on in-depth analysis of the issuer's financial condition and management, economic and debt characteristics, and the specific revenue sources securing the bond. The highest ratings are AAA (S P and Fitch) and Aaa (Moody's). Bonds rated in the BBB category or higher are considered i  More...
  • 7. How should I go about defining my investment goals? Views: 28
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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...
  • 8. What is common stock? Views: 26
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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. What are bonds? Views: 25
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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...
  • 10. What should I know about Certificates of Deposits (CDs) or Share Certificates? Views: 25
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    Terms of Use: Investors searching for relatively low-risk investments that can easily be converted into cash often turn to certificates of deposit (CDs) or share certificates. A CD/share certificate is a special type of deposit account with a credit union, bank or thrift institution that typically offers a higher rate of interest than a regular savings account. Unlike other investments, certificates are insured up to $250,000. Here’s how CDs and share certificates work: When you purchase one, yo  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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