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Bonds are rated according to their risk of default by independent credit rating agencies such as Moody's, Standard & Poor's and Fitch. Those with lower ratings have higher risks associated with them that investors should consider. Due to increased risks, these bonds typically carry higher coupon rates. Issuers, such as consumers with less than

Even if you already have a life insurance policy, it's a good idea to review it periodically to make sure it still meets your overall needs. There are times in life you need to take a look at your financial situation, such as if you: Were recently married or divorced Had or adopted a child (or became a grandparent) Have children or grandchildren wh

Real interest rates can indeed be negative. When real interest rates are negative, it means that the inflation rate is larger than the nominal interest rate. Measuring the real interest rate lets investors determine if they are actually making money and growing purchasing power on an investment. If the real interest rate is not larger than inflatio

There are two broad categories of annuity: fixed and variable. These categories refer to the manner in which the investment generates returns. However, within these categories are immediate and deferred payment annuities, for a total of four basic annuity types. Like most investments, the ins and outs of annuities can be somewhat overwhelming for t

One of the biggest reasons why business travel is important is that it fosters interaction. Face-to-face meetings can help to increase and improve communication, reduce misunderstandings, create a feeling of team spirit, and also show clients that you are motivated and invested in their success.

General Liability does not cover professional mistakes made by you or your employees. If you're sued over missing a project deadline or going over budget, you'll need Professional Liability Insurance (also called Errors & Omissions Insurance) to cover the claim. General Liability Insurance also doesnt cover damage to your own stuff. So if an il