Cash-out refinance

What is a cash-out refinance? Basics you need to know.

Cash-out refinance replaces your existing loan with a bigger loan amount and allows converting home equity into cash, potentially reducing your current mortgage interest rate and monthly payments.  Additionally, you can use the cash for home renovations, tuition fees, or debt consolidation. With a cash-out refinance, you can access the funds you need when you …

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What are Bonds in finance?

What are Bonds in Finance? The basics you need to know.

Bonds are essentially debt instruments that corporations and governments use to raise money. When an entity issues a bond, it is essentially borrowing money from investors and agreeing to repay the loan over a specific period with interest. Governments and corporations often issue bonds to raise capital. When a bond is issued, the issuer typically …

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Financial Literacy

Financial Literacy

Financial literacy is understanding and using financial information and products to make sound financial decisions. It includes knowledge about various financial topics, such as budgeting, saving, investing, credit, and retirement planning. Financial literacy should also include understanding financial instruments such as bonds, stocks, crypto, and ETFs and apply in the real world to achieve financial success. …

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CPI US 2022

CPI (Consumer Price Index) is a commonly used measure of inflation in the United States. It measures the average change in prices of consumer goods and services purchased by households. CPI data is released monthly by the Bureau of Labor Statistics in the United States. The Consumer Price Index for All Urban Consumers (CPI-U) rose …

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TIPS – Treasury Inflation-Protected Securities.

Treasury Inflation-Protected Securities, or TIPS, are bonds offered by the U.S. government that protect against inflation. The principal value of a TIPS bond increases with inflation, as measured by the Consumer Price Index, and the interest payments on the bond adjust accordingly. The investor receives the adjusted principal when the bond matures, typically higher than …

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Crypto Winter

What is Crypto Winter?

Crypto Winter is the term used to refer to a period when the price of cryptocurrencies slumps, causing people to become more cautious. The term crypto winter typically refers to a period in which the price of cryptocurrencies falls significantly and can be caused by technological issues, market manipulation, or other factors. Crypto winter usually does not …

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