Re-evaluating Surety Bond Underwriting Traditional surety bond underwriting does not allow for any losses In other words, applicants are only suppose to be approved for a bond if the underwriter believes there will be no claims This differs from insurance underwriting, as a loss is expected and is built into the premium Higher risk applicants are usually declined or asked to post 100% collateral with the bond The surety bond market is starting to see some change in how bonds ...

An Analysis Of Journal Communications (jrn) Journal Communications (JRN) is comprised of seven essentially separate businesses: The Milwaukee Sentinel, Community Newspapers, Television Stations, Radio Stations, Telecommunications, Printing Services, and Direct Marketing The company's five reportable segments do not exactly match these seven businesses; however, I believe an investor should analyze JRN on the basis of these seven businesses and their constituent properties, rather than as a single going concern with five reportable business segments Additional reasons for this belief will be outlined below For now, it is sufficient to ...

Is It True That Regular Index Investing Performs Good Result With Low Risk? There are many mutual funds and ETF on the market But only a few performs results as good as sp 500 or better Well known that sp 500 performs good results in long terms But how can we convert these good results into money? We can buy index fund shares Index Funds seek investment results that correspond with the total return of the some market index (for example sp 500) Investing into index funds gives ...

Why Invest In Stocks? Have you ever wondered why investors behave the way they do? For example, why do people invest in bonds or stocks or not at all? Since I am an advocate of stock investing, let me make the case for stock investing So, why invest in stocks? No, I won't just invest in any kind of stocks There are goals associated with investing in stocks For starter, stock investors would want to be compensated more than if they put their money in the bank ...

Microsoft Money Investment Recordkeeping Tricks Microsoft Money provides powerful investment record-keeping tools for individual investors Unfortunately, once you step beyond investments like stocks, bonds, and mutual funds, the mechanics can get a little tricky Here are some tips for handling common investments in Money Certificate of deposits If you purchase a certificate of deposit, you can treat it in the same way that you treat a bond purchase Basically, certificates of deposits, or CDs, are just bonds issued by banks or financial institutions often for a shorter period of ...

Quicken Investment Recordkeeping Tricks Quicken provides powerful investment record-keeping tools for individual investors Unfortunately, once you step beyond investments like stocks, bonds, and mutual funds, the mechanics can get a little tricky Here are some tips for handling common investments in Quicken Certificate of deposits If you purchase a certificate of deposit, you can treat it in the same way that you treat a bond purchase Basically, certificates of deposits, or CDs, are just bonds issued by banks or financial institutions often for a shorter period of time For example, ...

The Name is Bonds, Corporate Bonds The stock market may be very intimidating for some people For most people the money market revolves around just a few things such as cash, checks, and credit cards But what about the many other instruments you read about in the business section of the newspaper - instruments such as bonds, stock, and options? It may take some time to get used to these terms so it's best to tackle them one by one For now, let us focus on ...

Against The Top Down Approach To Picking Stocks If you have heard fund managers talk about the way they invest, you know a great many employ a top down approach First, they decide how much of their portfolio to allocate to stocks and how much to allocate to bonds At this point, they may also decide upon the relative mix of foreign and domestic securities Next, they decide upon the industries to invest in It is not until all these decisions have been made that they ...

Saving Bonds Saving Bonds are issued by US Treasury Department These are not tradable anywhere in the market The bonds are non-marketable securities For any buying and selling activity, you need to go to the agents authorized by the government These agents are called Issuing and Paying agents The saving bonds are registered securities This means that they are registered and held in name of the person who owns them Generally there are three series of interesting saving bonds They ...

The Folly of PEG Ratio Price Earning Growth (PEG) Ratio is the ratio of a company's P/E with its growth rate A lot of analysts have concurred that a stock is fairly valued when its PEG ratio equal one This means that if a stock has a P/E of 10 with a growth rate of 10%, then the stock is trading at fair value How many of you have seen this kind of statement? I have seen it plenty of times ...