This illustrates how an interest rate swap can transform a floating-rate obligation into a fixed-rate obligation and vice-versa
Duration : 0:7:4
Interest rate swap
Retirement Savings Rule 1: Reduce Investment Risk as the Day Nears
This is the VOA Special English Economics Report , from http://voaspecialenglish.com | http://facebook.com/voalearningenglish
Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.In many countries, employers may offer some kind of retirement savings plan. The plan could be linked to the company’s stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your only way to save for retirement.Pete D’Arruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks. “There’s three stages of life there when we look at it. There’s the part where you’re earning money. And when you’re earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more.” By risks, Pete D’Arruda means investing in stocks and other financial instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings. “But then we get to the transition phase when we’re within five years or so of retirement. I call it the financial red zone because now is the time when you need to protect what you have, you need to start transitioning away from the risk of Wall Street and into safe places that guarantee lifetime income.” Pete D’Arruda has a simple way of deciding how much of your retirement savings should be at risk. He says take your age and put a percentage after it. That is the percentage of your retirement savings that should be fully protected from losing value. So, for a sixty-five-year-old, “sixty-five percent of the money must be in a place that can’t lose it. The reason why is when you’re in retirement it’s impossible to get the money back that you lost because you don’t have a salary coming in.”One recent survey by the Charles Schwab company found that forty-four percent of baby boomers feel secure in their readiness for retirement. Baby boomers are the generation of Americans born after World War Two. For VOA Special English, I’m Alex Villarreal.(Adapted from a radio program broadcast 28Oct2011)
Duration : 0:3:59
Retirement Savings Rule 2: Plan for Your Future Goals and Needs
This is the VOA Special English Economics Report, from http://voaspecialenglish.com | http://facebook.com/voalearningenglish
Last week, we discussed limiting investment risk in retirement planning. So what are financial planners advising people to invest in? Stocks and bonds are the best known investments and are important to any savings plan. Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk. Annuities are another savings instrument with low risk. Financial planner Pete D’Arruda says “Worldwide, people can put their money in annuities, which are basically savings accounts offered by insurance companies.” But he says it is important to make a decision about an annuity with a good financial planner. He warns that annuity agreements can be complex, and many bad ones are out there. Pete D’Arruda says good planning means placing money into financial securities and accounts that have different risk levels, using asset allocation. “So true asset allocation is having some in stocks, some in bonds, some in mutual funds, but then some in other places with guaranteed income and then safety and liquidity kind of accounts for emergencies.” This method of savings follows the old saying you should not “put all your eggs in one basket.” But that is not for everyone. Sande Taylor is with the investment company Charles Schwab in south Florida. She advises investors every day. She says many investors have a personal style. There are conservative investors. “A conservative investor by definition typically has eighty percent of their portfolio within fixed income markets and cash.” Even in retirement, Sande Taylor says, some people have their entire financial portfolio, or set of investments, in stocks. They are the aggressive investors. In saving for retirement, there can be a difference between what people believe and what they actually do. In a recent Charles Schwab study, most Americans said they believe it would be easier to save for retirement if they were single. But the study found that eighty-five percent of married people had started saving, while only two thirds of singles had. Sande Taylor says younger people may seek short term goals. “The younger individuals look at it and think, ‘Well retirement is so far away, I’d rather focus on my shorter term goals.’” But she says there are big gains to be made by starting early and planning for the future. For VOA Special English, I’m Carolyn Presutti.(Adapted from a radio program broadcast 04Nov2011)
Duration : 0:4:1
Retirement Project – Personal Savings Rate
Post Production and Director:
Stephen Davis
Preproduction:
Kyle Jones
Film Producer:
Jay Gowda
Supportive Staff:
Chenchen Yin
Anna Gau
Duration : 0:1:1
GOLD SAVINGS ACCOUNT and CARD
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http://goldfromkb.com/druanna/index.php?lang=en&q=Intro-Presentation-viewed
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Duration : 0:6:56
FOMC Meeting November 2011 – Bernanke Keeps Interest Rates Low (LIVE)
http://www.StockMarketFunding.com FOMC Meeting November 2011 – Bernanke Keeps Interest Rates Low (LIVE) testimony of Ben Bernanke’s statements on the US Economy. The Federal Reserve noted that they plan to keep lending rates at low levels for the forseable futures.
Stocks remained elevated with the Dow Jones up 158 points to 11,815. The S&P 500 was up 16.02 points to 1,234.3. There were no real knee-jerk reactions to Bernanke’s statements and most of the message was consistant with what the market was looking for.
After moving sharply higher at the open, stocks have continued to perform well over the course of the trading day on Wednesday. The markets are recovering from the sell-off seen over the two previous sessions on the heels of some relatively upbeat employment data.
The major averages have pulled back off their best levels of the day in recent trading but continue to post strong gains. The Dow is up 192.57 points or 1.7 percent at 11,850.53, the Nasdaq is up 32.70 points or 1.3 percent at 2,639.66 and the S&P 500 is up 21.01 points or 1.7 percent at 1,239.29.
The strength on Wall Street is partly due to a positive reaction to a report from payroll process ADP showing a slightly bigger than expected increase in private sector employment in October.
The report said private sector employment increased by 110,000 jobs in October following an upwardly revised increase of 116,000 jobs in September. Economists had expected employment to increase by about 100,000 jobs compared to the addition of 91,000 jobs originally reported for the previous month.
While the job growth exceeded economist estimates, ADP noted that the recent moderate pace of private sector job creation is probably below a pace consistent with a stable unemployment rate.
Tags “economy” “us economy” “us economy nov 2011″ “smf street” “unemployment” “united states economy” “usa economy” “united states unemployment” inflation “stock market” “recession” “us savings rate” “unemployment benefits” “unemployment rate 2011″ “personal savings”
Duration : 0:19:30
Staying out of trouble with a tax-free savings account with Gordon Pape
How much can I contribute to a TFSA per year?
How should I repay money that I have withdrawn from a TFSA?
How can I transfer money from my TFSA so that I don’t get into trouble with the taxman?
http://www.getsmarteraboutmoney.ca/managing-your-money/investing/tax-free-savings-accounts/Pages/what-is-a-registered-tax-free-savings-account.aspx
Duration : 0:3:11
Halifax Advert – Savers Prize Draw – Halifax – the people who give you extra.
We all like a nice surprise. So we had an idea. Every month we give three savers £100,000, as well as paying interest on their savings.
Hold £5,000 in your qualifying Halifax or Bank of Scotland savings account each calendar month to enter. Registration required.
Savers Prize Draw from Halifax. The people who give you extra.
For more information, please visit – http://www.halifax.co.uk/savings/savers-prize-draw
Duration : 0:1:0
Should Investors Focus on Higher-Dividend-Paying Stocks [FOX 10-03-2011]
The P/E ratio (price-to-earnings ratio) of a stock (also called its ‘P/E’, or simply ‘multiple’) is a measure of the price paid for a share relative to the annual net income or profit earned by the firm per share. The P/E ratio can therefore alternatively be calculated by dividing the company’s market capitalization by its total annual earnings. Unlike the EV/EBITDA multiple which is capital structure-neutral, the price-to-earnings ratio reflects the capital structure of the company in question. The price-to-earnings ratio is a financial ratio used for valuation: a higher P/E ratio means that investors are paying more for each unit of net income, so the stock is more expensive compared to one with a lower P/E ratio. The P/E ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back purchase price, ignoring inflation and time value of money. The P/E ratio also shows current investor demand for a company share. The reciprocal of the P/E ratio is known as the earnings yield. The earnings yield is an estimate of the expected return from holding the stock if we accept certain restrictive assumptions (a discussion of these assumptions can be found here).
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Duration : 0:2:53
Home Savings of America on Central DE Chamber Television
Home Savings of America Dover DE, our story. If you’d like to hear more about our Mortgage Ready Process, call us today at 302-399-4829 or visit mymortgageready.com, and see how a Mortgage Ready Specialist can show you the best way to optimize your financial plan.
Duration : 0:3:3