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My parents are Baby Boomers. For their generation, post-education life was all about cultivating a career. The world expected them to pick a profession, start in the mail room, and then climb the ladder toward that fancy gold watch called retirement. I’m a Millennial. I have paid close attention as…
Millions of people worldwide are giving up the traditional working methods and are turning to working from home to earn money and hence make a living. This is not as bizarre as it might initially appear. Millions of people use the Internet daily to shop and find information. The Internet…
The business plan is a selling document. It should demonstrate that a business can sell enough of its products or services to generate a profit and should attract investors or lenders. The business plan should also assist the entrepreneur in planning for all aspects of starting or growing his or…
Valuation of a company in terms of its shares is a long and effort-taking process. Yet individual investors will find it helpful to get to know about the main stages of the process as they can perform nearly all of the stages on their own. When analyzing a company one…
Sinking-Fund Provisions A sinking fund is money taken from a corporation’s earnings that is used to redeem bonds periodically, before maturity, as specified in the indenture. If a bond issue has a sinking-fund provision, a certain portion of the issue must be retired each year. The bonds retired are usually…
Investors buy corporates for a variety of reasons: Attractive Yields Corporates usually offer higher yields than comparable-maturity government bonds or CDs. This high-yield potential is generally accompanied by higher risks. Dependable Income People who want steady income from their investments, while preserving their principal, include corporates in their portfolios. Safety…
Social media is actually a mode of communication among all the members of the country. To get all the news and information related to the whole country, the only way is social media. Television is the social media to get all the ideas, news, information, etc. Apart from television there…
Even if you are a Harvard professor, an economist and an authority on financing a college education, finding the right college savings program is still a nettlesome process. Susan Dynarski, an assistant professor of public policy at Harvard’s Kennedy School of Government, not only knows how tough it is for…
A few decades ago, the home buyer could only get the only type of loan: fixed-rate 30-year mortgage. Now the borrower can choose between the rate that is fixed for the life of the loan (fixed-rate mortgage or FRM) and a rate that fluctuates in line with major indexes (adjustable-rate…
“Specialty financing” or “loans for someone with less than perfect credit” are polite terms used to market “subprime” or “non-prime loans”. Sometimes they are effectively the only way to homeownership for those who have frequent late payments, bankruptcies, liens, judgments or other mishaps tarnishing their credit history. People with below-standard…