interest rate Tag's Archives
A bond is a loan. It’s nothing more than a fancy IOU in which the terms, pay-back date and interest rate are carefully spelled out in a legal document.
It’s like in any relationship, it’s a promise made by both sides. In business term, it’s an approach in finance. When they need something today, they promise to pay for it at some point in the future. And those promises are called bonds.
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Another “Pay-As-You-Go” concept. Such a system does not create savings, which means when inflation and or interest rates are above zero, money is essentially lost. With our demographic upheaval of worker to retiree ratios, it became a Ponzi Scheme. Someone is left holding the bag when the cash runs out; as things stand, that means everyone under 50.
When Social Security starts paying out more than it takes in, whether it be 2012, 2015, or a few years later, the system will be running a deficit in real terms because the trust is virtual. If you put $10,000 in the bank, take it all out for some home repair and maybe a few weekends in Vegas, that money is gone, IOU or no. If you write an IOU to yourself to replace that ten-grand, and you stick to your word, you still have to come up with the money somewhere…that original 10k, again, is already gone. The Social Security Ponzi Scheme thus was a not-so-elaborate method of shoveling trillions of dollars into the mouths of politicians and out onto their pet projects…original intention aside.
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When it comes to purchasing a new property, you may want to consider obtaining an investment loan. This option should only be considered if you want to purchase a second home for either the purpose of resale or to use as a rental income. There are many advantages to securing an investment loan for this type of property purchase, and in some places it is the only option open to those who want to purchase investment property. 
While on the surface an investment loan and a mortgage seem the same, in reality they are two completely different types of funding.
It is important that when you are considering any new loan that you first research all of the possibilities available. It is also highly recommended that you ensure that your credit and financial situation is at the level that your financial institution will require to get the best rates possible.
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