DEFINITION of ‘Zero-Coupon Bond’
A debt security that doesn’t pay interest (a coupon) but is traded at a deep discount, rendering profit at maturity when the bond is redeemed…
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A debt security that doesn’t pay interest (a coupon) but is traded at a deep discount, rendering profit at maturity when the bond is redeemed…
There are pros and cons to the use of convertible bonds as a means of financing by corporations. One of several advantages of this delayed…
Today’s multinational corporations (MNC) can’t rely on just a panel of banks to meet all of their funding needs, especially when those banks decide to…
Every year, bond holders receive their annual 1099-INT forms and dutifully report the numbers that are listed there on their tax returns. However, there is…
A company whose voting stock is more than 50% controlled by another company, usually referred to as the parent company or holding company. A subsidiary…
DEFINITION of ‘Corporate Bond’ A debt security issued by a corporation and sold to investors. The backing for the bond is usually the payment ability…
(Before following these steps you should already have a paydex (with boosted score)!) Corporate bonds are a financial tool that a business can use to…
To open your trust account at a local bank you will need to have the following to take with you (Do NOT take additional documents…
Log onto this site: https://www.dandb.com/?logout=true Once you’re there, you will click onto this (D&B D-U-N-S Number) it’s in the upper right hand of your screen.…
How to Get a CUSIP Number CUSIP numbers help brokers identify specific securities. A Committee on Uniform Securities’ Identification Procedures number is given to a…
It is starting to seem like the movie Sleeper had the future right: Foods we thought were good are bad, and bad are good. For decades in…
Hello fellow Sovereigns, SPC’s and Members of this community, I have been studying and absorbing this material for almost the past two years now and…
Everything is better. More paperwork filed and it is so crazy awesome I can’t even explain how good it is. It is another piece of…
Hello Mary-Elizabeth: Croft, While in prison I was a part of an underground Sovereignty Group. It was made up of Investment Bankers, Lawyers, Movie Producers,…
The instructions and notices with the APP spell out if something on the app did not apply to me, to line them out and supply…
To Paul Graves You can find Bond Paper in a lot of places. Office Depot, Staples, Office Max, the larger Kinkos (FedEx Stores), and even…
I’m not going to hide the fact that this information comes from personal experience and need. When I made mortgage payments to Chase Home Finance,…
UCC DEFINITIONS Uniform Commercial Code (UCC): A code of laws governing various commercial transactions. The Uniform Commercial Code has eleven substantive articles. Article 9, Secured…
If you are a banker, I urge you to keep abreast of the following UCC provisions. Section 3-104: To be a “negotiable instrument” a check…
10 Proven Health Benefits of Turmeric and Curcumin Turmeric may be the most effective nutritional supplement in existence. Many high quality studies show that it…
Food Grade ● Fresh Water Fossil Shell Flower ● 100% Pure “There are several uses for DE, but remarkably, now, humans too can benefit…
What If We Learned How to Control the Flow and Movement of Entries, Figures and Digits, For Our Own Benefit? But what if we refused…
This form is often used for making claims against the Government when damages occur. Often claims are dismissed without cause if you do not have…
The Secured Party is an American State Citizen of the United States of America; secured and protected by the Constitution as a Principal Creditor that…
Of course we all know there is a plan for a New World Order by creating order from chaos, but to what measures will the…
You already know that FRNs are not money . . . but FRNs and your paycheck are treated like money. But, they are nothing more…
As most of you should know, I live in the Greater Metro Detroit area located in S.E. Michigan. Daily for the past several months or…
The following schedule shows monthly payments per thousand dollars financed. To calculate your monthly payment: Find your interest rate in the first column. Move across…
There are probably thousands of them. Really. Your own real estate agent’s site should be chock-full of consumer information. Besides Fannie’s and Freddie’s sites, which…
That depends on whether your lender has the type of system that lets you do that. If a lender or mortgage broker has the ability…
Do you want to check current rates or get a history of where interest rates have been for, say, the last ten years? Do you…
You can, but lenders won’t hand you the keys. The only thing that’s really done online nowadays is taking the loan application; a loan officer…
No. You’re wasting your time. The e-mails you get are nothing more than spam. As a matter of fact, they’re rarely from mortgage companies. In…
I would suggest avoiding the pure-play online lender. Especially if you’re not familiar with the online lending process or haven’t financed very many (if any)…
That depends upon how ‘‘wrong’’ the papers are. If it’s something minor that your settlement agent can change, it might be fixed right there at…
What a change from just a few years ago. Today you can fill out a single application online and have several lenders or mortgage brokers…
Carefully. But there are some good places to start. One of the bestknown websites for interest rates in general and for mortgages specifically is BankRate…
That’s entirely up to you. There is no right or wrong way, just personal preference. Some people feel more comfortable when they sit across the…
As with other industries, it’s changed the landscape. It’s fast, efficient, and highly productive. Just a few short years ago, even though people had the…
Certainly, and there are lenders who advertise that they will pay all fees for you. And not by increasing your interest rate in order to…
A few lenders have experimented with something called a one-fee quote. The industry is slow to adopt this product, and it may not catch on…
First and foremost, you have to ask. That’s part of your or your agent’s job. The seller isn’t going to give something up that he…
If used properly, it works great. The problem is that some loan officers don’t know how to calculate the annual percentage rate ( APR ).…
First, you need to identify which fees count and which fees don’t. Items in the 900 and 1000 sections—the items the lender wants you to…
It’s a long form, divided into six sections that are numbered— strangely I might add. The section numbers are 800, 900, 1000 , 1100, 1200,…
If you’re refinancing, there may be discounts if you use the same title agency. Some call this a reissue of an original title report, which…
Your credit report, offered by an AUS, can be the source of another cost savings. In the past, the Residential Mortgage Credit Report (RMCR) would…
A typical fee for a conventional appraisal is $300. But with the advent of AUS applications, sometimes those approvals also come back with reduced appraisal…
They can be, but some of them will be different. When refinancing, you can get discounts for reissued title policies, and if your lender requires…
You can only save on closing fees that can be negotiated. Some fees are set in stone by the individual company, while still other charges…
Because they can. If your local market has established that most lenders charge a $200 application fee, then you can expect that fee. Lenders charge…
Because there are a lot of different businesses that are active in your account. Nonlenders charge to cover their services. So do lenders. But lenders…
You can expect a lot of them, most of which you will never pay again until you get another mortgage. Closing costs can vary based…
You may be the victim of someone trying to squeeze a little bit more out of you by using market gains. If you’ve been cruising…
There are a few options available to you when you lock in your interest rate and rates move down immediately afterward. If you have a…
Be prepared to get the higher rate, either whatever rate you locked in or the prevailing rate. Most lock agreements will explain this requirement, but…
No. A common misconception is that a lock agreement is also a loan approval. It’s not; it’s an interest rate guarantee. If you lock in…
You have to specifically request an interest rate lock, because it’s not automatic. Just because your good faith estimate has a rate on it doesn’t…
Compare the APRs on each offering, then ask for concessions. Yes, you’ve worn them down and made them compete against other lenders, but you still…