Performance bond

Credit ratings are crucial for schools looking to borrow money for capital improvements and maintain positive cash flow. The article NMSU’s bond rating lowered, describes the financial status of the New Mexico State University. Standard & Poor’s Services is one of three major credit agencies. They issued the credit rating downgrade from AA to AA- with a stable outlook. The downgrade impacts the university both internally and externally. The rating is important to capital projects that the…

Comparing Co-Ops and Traditional Mortgages It is no secret that cooperative mortgages, known as co-ops, are far different than traditional mortgages. Commonly referred to as a “share loan”, co-ops are not individual loans for the right to own a property, but the loans give you the right to own a share in the co-op. Since co-ops work in a different way than traditional mortgages, a limited number of lenders offer “share loans”, and if you wish to refinance your loan, it can get even trickier. •…

What is the "big fleece?" No, it's not an oversized blanket you wrap yourself in when it's cold. The big fleece is a term many in the financial world use when they're talking about the pundits and experts in the equity markets who continuously promote "buy and hold" investments for the long-term in your 401k, 403b, IRA and other retirement savings accounts. They fancy the notion that governments can continue to spend their way to prosperity, so deficits don't matter, as long as they create…

TABLE SHOWING MEAN DAILY MAXIMUM AND MINIMUM TEMPERATURES AND HUMIDITY FOR THE CITY OF KOLHAPUR. Jan. Feb. Mar. Apr. May. June. July. Aug. Sept. Oct. Nov Dec. Annual Highest Lowest. Mean daily Maximum temperature (°F) 86.9 89.9 96.4 98.7 94.9 86.1 79.4 79.3 82.9 86.4 86.6 85.8 87.8 107 48 Mean daily Minimum temperature (°F) 58.5 60.6 65.7 70.5 72.2 71.7 70.0 69.5 68.8 68 61.3 58.2 66.3 Mean Temperature 72.7 75.3 81.1 84.6 83.5 78.9 74.7 74.4 75.9 77.2 74.0 72.0 77.1 Mean Range 28.4 29.3…

concerning securities being offered for public sale in interstate and foreign commerce. It also prohibited deceit, misrepresentations, and to prevent fraud in the sale of securities. There were a number of items considered securities such as stocks, bonds, notes, debentures, warrants, voting trust certificates, subscriptions, rights to oil, gas and minerals, and limited partnership interest. According to Jennings 2015, “the U. S. Supreme Court defined a security as a contract, transaction,…

Good Morning Class. Now before the young man in the red shirt in the third row completely dozes off, let me explain why I’m here. We experience a parallel reality to fantasy football in our daily lives with the Stock Market. A lot of us tend to be afraid of investing due to the uncertainty and unpredictability of stocks, however we dive right into the world of Fantasy sports and it is here that we actually find that it isn’t all that different than investing in stocks. Let me break it down…

Countrywide was founded in 1969 by Angelo Mozilo, and was extremely successfully until the housing crisis in 2007 with a resulting nationwide banking crisis due to subprime mortgage lending practices. Consequently, the company was purchased by Bank of America for pennies on the dollar not only for Countrywide to remove them from the financial crisis, but to escape potential penalties to due fraudulent practices (Ferrell, Fraedrich, Ferrell, 2015). Many accusations regarding Countrywide’s…

Microsoft went up around $4.00 in value. Week five my stocks started to slow down once again, but not enough to make a significant decrease. The final week, week six, two out of my five stocks went down in price by almost $3.00 each. My stocks performance, overall, was very mixed, having some stocks increase by multiple dollar with others decreasing by multiple dollars. At the very end, I gained…

Hacking Finances Every generation is required to do their part to shape the American economy and stock market. Every generation has a different system of navigating this tricky path. Some advance to the top through trial and error, others advance by strict methodology. Often, we see the older and more experienced generations teach the younger generations how to navigate the unruly economics of the United States. The best way to see this in today’s economy is by looking at the Baby Boomers and…

Morningstar is a Chicago-based investment research firm that compiles and analyzes fund, stock and general market data. They also provide an extensive line of internet, software and print-based products for individual investors, financial advisors and institutional clients. The research reaches all corners of the world: North America, Europe, Australia, and Asia. Among its many offerings, Morningstar's comprehensive, one-page mutual and exchange-traded fund (ETF) reports are widely used by…