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  • 1. Any suggestions for getting started with investing? Views: 71
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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. What should I know about Certificates of Deposits (CDs) or Share Certificates? Views: 68
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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...
  • 3. Things to know about online trading Views: 66
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    Terms of Use More Americans are investing in the stock market and many of them are doing so through the Internet. The price of some stocks can soar and drop suddenly. In these fast markets, when many investors want to trade at the same time and prices change quickly, delays can develop. Executions and confirmations slow down, while reports of prices lag behind actual prices. In these markets, investors can suffer unexpected losses very quickly. Investors trading over the Internet, who are u  More...
  • 4. What does a credit rating for a bond issuer mean? Views: 61
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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...
  • 5. How should I go about defining my investment goals? Views: 60
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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...
  • 6. What are the primary economic indicators that economists follow when trying to measure how the economy is doing? Views: 59
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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...
  • 7. What are the different types of bonds available? Views: 59
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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...
  • 8. What is preferred stock? Views: 56
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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...
  • 9. What things should I consider when selecting someone to manage my investments? Views: 55
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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...
  • 10. Why should I consider investing in a mutual fund? Views: 55
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    Terms of Use Mutual funds can be a good way for people to invest in stocks, bonds, and other securities. Why? Mutual funds are managed by professional money managers. By owning shares in a mutual fund instead of buying individual stocks or bonds directly, your investment risk is spread out. Because your mutual fund buys and sells large amounts of securities at a time, its costs are often lower than what you would pay on your own.
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