Documentation requirements for a mortgage application

Paperwork involved in the mortgage application process is so extensive that you had better start gathering it a long time in advance. Full documentation will include: • Federal tax returns from the previous two years. • W-2 forms from the previous two years. • A recent paycheck stub with your…

Stocks: your share of ownership in a company

Stock generally refers to shares of Common Stock or an “equity share” of a corporation. Each share of Common Stock represents a share of ownership in a company. The price of a stock generally represents investor expectations about the future profitability potential or future value of the company, and may…

Basic Terms of Bonds

Maturity One of the key investment features of any bond is its maturity. A bond’s maturity tells you when you should expect to get your principal back and how long you can expect to receive interest payments. (However, some corporates have “call,” or redemption, features that can affect the date…

All that you need to know about Bond Funds and Taxation

Many investors who want to reap the returns available in the corporate bond market may buy shares in bond mutual funds instead of individual bonds – or in addition to individual bonds. They do so for the same reasons investors have flocked to mutual funds of all kinds in recent…

Investing in Exchange-Traded Funds

It may be difficult to make sure you minimize your risk investing in the stock market – that’s why so many people and advisors turn to mutual funds. A mutual fund allows an investor to easily diversify because every dollar you invest is divided among many underlying investments. For instance,…

Seven tax mistakes you should avoid

In fact, many investors pay more taxes than they need to. We are going to list seven common tax-related mistakes investors make. (Please note that the same things may not be mistakes if they are done within a tax-sheltered account such as an IRA or 401(k) plan.) 1. Load relief…

Bond Basics: Different Types Of Bonds

Debenture bonds Most corporate bonds are debentures – that is, unsecured debt obligations backed only by the issuer’s general credit and the capacity of its earnings to repay interest and principal. However, even unsecured bonds usually have the protection of what is known as a negative pledge provision. This requires…

Mortgage frauds: how do they work

Generally, mortgage loans are taken out so as to make some real purchases. Mortgages are very complicated financial instruments. The entire mortgage industry is based upon a large number of mortgage rules and regulations. There are rules for mortgage lenders, mortgage buyers, mortgage refinance and all other aspects of mortgages….

How to Overcome Procrastination and Stop Wasting Your Marketing Time

You know you should start increasing awareness for an upcoming product ASAP, but you keep saying “there’s plenty of time!” You gotta stop wasting your marketing time. Procrastination is a bad habit, but you can overcome it. We’ll offer tips that help you do that! 1. Put Your Tasks in…

Top Reasons of Economic failure

The global economy is referred to the economic status of the world’s countries or even to the global society. Economic status has been fragmented and become stagnant throughout globally. An abrupt fluctuation in global finances has been observed distinctively. Opulence reasons are there for depletion of the world’s economy. US…