Looking To Invest? Bonds To Consider

When you decide to invest money, it’s important to commit to doing the appropriate research that will protect your financial investment. When you think of saving you generally think of a bank. And when you think of investing generally you think of either stocks or bonds. Stocks are a form of ownership while bonds are a form of debt. So if you buy a stock you participate in the good fortune of a company but you also can participate in its losses. Bonds on the other hand are you loaning money to a company. You don’t participate in any appreciation you are simply paid interest for using your money. You also don’t have the risk of the company value decreasing. Even if a company goes bankrupt bondholders are ahead of stockholders in getting their money back. For this reason bonds normally have a lower yield than stocks, but also a lower risk.  There are several different types of bonds and bond funds. Typically the difference is based on the type of issuer but differences also come from how the bond is structured.

Are Your Utility Bills Higher Than Expected?

If a pipe is leaking, even if it only looks like a small drip, it could result in significant water usage. According to the USGS Water Science School one drip per second (think Drip… Drip… Drip) equals 86,400 drips per day which is roughly 5 gallons per day or 2,082 gallons per year.