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Mortgage-backed securities I | Finance & Capital Markets | Khan Academy
 
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Part I of the introduction to mortgage-backed securities. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/derivative-securities/mort-backed-secs-tut/v/mortgage-backed-securities-ii?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/derivative-securities/mort-backed-secs-tut/v/mortgage-back-security-overview?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: In many commodities markets, it is very helpful for buyers or sellers to lock-in future prices. This is what both forwards and futures allow for. This tutorial explains how they work and what the difference is between the two. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 435441 Khan Academy
Casual Economics: Mortgage-backed Securities
 
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You've probable heard a lot about Mortgage-backed Securities, but how do they actually work? Find out in this episode of Casual Economics.
Views: 4524 Casual Economics
What is a Mortgage Backed Security?
 
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Do you have a MERS Mortgage? Go to : http://www.ismersinyourmortgage.com/ for a FREE INTRO COPY! Do you know what happened to your mortgage at the closing table? A mortgage-backed security (MBS) is a securitized interest in a pool of mortgages. It is a bond. Instead of paying investors fixed coupons and principal, it pays out the cash flows from the pool of mortgages. The simplest form of mortgage-backed security is a mortgage pass-through. With this structure, all principal and interest payments (less a servicing fee) from the pool of mortgages are passed directly to investors each month.
Views: 38885 Richie
What is a mortgage bond?
 
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Mortgage rates, Daily market watch. If buying a home or auto need to know what market is doing, stock, treasuries, mortgage bonds. No credit, bad credit or need credit repair call John Franco 661.310.1514 visit my blog at www.johnfranco.com
Views: 3659 John Franco
How to pay off a 30 year home mortgage in 5-7 years
 
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SUMMARY: In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off. This strategy is known as Velocity Banking and in the video I will demonstrate how Velocity Banking can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income. RECAP OF THE VIDEO: I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership… Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing. By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the Velocity Banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings. KARL'S MORTGAGE CALCULATOR APP: https://itunes.apple.com/us/app/karls-mortgage-calculator/id1025852681?mt=8 Android version: https://play.google.com/store/apps/details?id=com.drcalculator.android.mortgage ★☆★ SUBSCRIBE TO MY YOUTUBE CHANNEL FOR VIDEOS ABOUT REAL ESTATE AND BUSINESS ★☆★ ★☆★ CONNECT WITH ME ON SOCIAL MEDIA ★☆★ FACEBOOK: https://www.facebook.com/Laura-Pitkute-1464576883611081/ INSTAGRAM: https://www.instagram.com/laurapitkute/?hl=en LINKEDIN: https://www.linkedin.com/in/laura-pitkute-a039399b/ DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.
Views: 2440493 Laura Pitkute
Mortgage Buydowns
 
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This video explains what it means to buy down a mortgage. The video also provides an example to illustrate how a 3-2-1 mortgage buydown changes the amount of the buyer's mortgage payments in the initial years of the loan and provides a significant cost savings. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 2172 Edspira
What is a Mortgage Bond?
 
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There are many types of mortgage bonds. This video is about mortgage bonds in regards to surety. A mortgage bond, in regards to surety, is a type of license and permit surety bond required by a state agency for licensure pertaining to mortgage activities. You might need a bond if you wish to become a licensed mortgage professional. You can learn more here: http://blog.suretysolutions.com/suretynews/what-is-a-mortgage-bond-really Still have questions? Ask us in the comment section!
Views: 95 Surety Solutions
Mortgage-backed security overview | Finance & Capital Markets | Khan Academy
 
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Basics of how a mortgage back security works. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/derivative-securities/mort-backed-secs-tut/v/mortgage-backed-securities-i?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/derivative-securities/forward-futures-contracts/v/interpretting-futures-fair-value-in-the-premarket?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: In many commodities markets, it is very helpful for buyers or sellers to lock-in future prices. This is what both forwards and futures allow for. This tutorial explains how they work and what the difference is between the two. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 83077 Khan Academy
Amortization | Stocks and bonds | Finance & Capital Markets | Khan Academy
 
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Introduction to amortization. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/valuation-and-investing/v/p-e-conundrum?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/valuation-and-investing/v/depreciation?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Life is full of people who will try to convince you that something is a good or bad idea by spouting technical jargon. Most of them have no idea what they are talking about. Don't be one of those people or their victims when it comes to stocks. From P/E rations to EV/EBITDA, we've got your back! About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 141024 Khan Academy
Introduction to Mortgage Loans | Housing | Finance & Capital Markets | Khan Academy
 
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Introduction to mortgage loans. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/mortgage-interest-rates?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-vs-buying-detailed-analysis?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Most people buying a home need a mortgage to do so. This tutorial explains what a mortgage is and then actually does some math to figure out what your payments are (the last video is quite mathy so consider it optional). About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 231238 Khan Academy
Balloon payment mortgage | Housing | Finance & Capital Markets | Khan Academy
 
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Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/geometric-series-sum-to-figure-out-mortgage-payments?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/hybrid-arm?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Most people buying a home need a mortgage to do so. This tutorial explains what a mortgage is and then actually does some math to figure out what your payments are (the last video is quite mathy so consider it optional). About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 44131 Khan Academy
Mortgage Bond Definition & Example
 
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Mortgage Bond Definition & Example I created this video with the YouTube Video Editor (http://www.youtube.com/editor Mortgage Bond Definition & Example
Views: 664 Lew Hansons
What is COLLATERALIZED MORTGAGE OBLIGATION? What does COLLATERALIZED MORTGAGE OBLIGATION mean?
 
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What is COLLATERALIZED MORTGAGE OBLIGATION? What does COLLATERALIZED MORTGAGE OBLIGATION mean? COLLATERALIZED MORTGAGE OBLIGATION meaning - COLLATERALIZED MORTGAGE OBLIGATION definition - COLLATERALIZED MORTGAGE OBLIGATION explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A collateralized mortgage obligation (CMO) is a type of complex debt security that repackages and directs the payments of principal and interest from a collateral pool to different types and maturities of securities, thereby meeting investor needs. CMOs were first created in 1983 by the investment banks Salomon Brothers and First Boston for the U.S. mortgage liquidity provider Freddie Mac. (The Salomon Brothers team was led by Gordon Taylor. The First Boston team was led by Dexter Senft). Legally, a CMO is a debt security issued by an abstraction - a special purpose entity - and is not a debt owed by the institution creating and operating the entity. The entity is the legal owner of a set of mortgages, called a pool. Investors in a CMO buy bonds issued by the entity, and they receive payments from the income generated by the mortgages according to a defined set of rules. With regard to terminology, the mortgages themselves are termed collateral, 'classes' refers to groups of mortgages issued to borrowers of roughly similar credit worthiness, tranches are specified fractions or slices, metaphorically speaking, of a pool of mortgages and the income they produce that are combined into an individual security, while the structure is the set of rules that dictates how the income received from the collateral will be distributed. The legal entity, collateral, and structure are collectively referred to as the deal. Unlike traditional mortgage pass-through securities, CMOs feature different payment streams and risks, depending on investor preferences. For tax purposes, CMOs are generally structured as Real Estate Mortgage Investment Conduits, which avoid the potential for "double-taxation." Investors in CMOs include banks, hedge funds, insurance companies, pension funds, mutual funds, government agencies, and most recently central banks. This article focuses primarily on CMO bonds as traded in the United States of America. The term "collateralized mortgage obligation" technically refers to a security issued by specific type of legal entity dealing in residential mortgages, but investors also frequently refer to deals put together using other types of entities such as real estate mortgage investment conduits as CMOs. The most basic way a mortgage loan can be transformed into a bond suitable for purchase by an investor would simply be to "split it". For example, a $300,000 30 year mortgage with an interest rate of 6.5% could be split into 300 1000 dollar bonds. These bonds would have a 30 year amortization, and an interest rate of 6.00% for example (with the remaining .50% going to the servicing company to send out the monthly bills and perform servicing work). However, this format of bond has various problems for various investors Even though the mortgage is 30 years, the borrower could theoretically pay off the loan earlier than 30 years, and will usually do so when rates have gone down, forcing the investor to have to reinvest his money at lower interest rates, something he may have not planned for. This is known as prepayment risk. A 30 year time frame is a long time for an investor's money to be locked away. Only a small percentage of investors would be interested in locking away their money for this long. Even if the average home owner refinanced their loan every 10 years, meaning that the average bond would only last 10 years, there is a risk that the borrowers would not refinance, such as during an extending high interest rate period, this is known as extension risk. In addition, the longer time frame of a bond, the more the price moves up and down with the changes of interest rates, causing a greater potential penalty or bonus for an investor selling his bonds early. This is known as interest rate risk. Most normal bonds can be thought of as "interest only loans", where the borrower borrows a fixed amount and then pays interest only before returning the principal at the end of a period. On a normal mortgage, interest and principal are paid each month, causing the amount of interest earned to decrease. This is undesirable to many investors because they are forced to reinvest the principal. This is known as reinvestment risk. On loans not guaranteed by the quasi-governmental agencies Fannie Mae or Freddie Mac, certain investors may not agree with the risk reward tradeoff of the interest rate earned versus the potential loss of principal due to the borrower not paying. The latter event is known as default risk.
Views: 1821 The Audiopedia
Mortgage Bonds Introduction
 
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1st Video
Views: 127 Ryan Frantz
FRM: Z-spread (versus bond's nominal credit spread)
 
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(Please note: spreadsheet is available on the website). A nominal credit spread is the difference in yields (YTM), which are single factors; therefore, implicitly, the nominal spread compares flat curves. The Z-spread improves by giving the spread that adds across the entire spot (zero) rate curve; if the Z-spread is added to all points on the theoretical spot rate curve, the shift curve discounts the bond's cash flows to a present value that equals the bond's market price. In this way, the Z-spread represents compensation for credit risk across the entire curve. For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 24571 Bionic Turtle
Wraparound Mortages
 
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This video explains what a wraparound mortgage is and provides a comprehensive example to illustrate how wraparound mortgages work. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 7561 Edspira
Collateralized mortgage obligation (CMO) [Video Investopedia]
 
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Collateralized Mortgage Obligation
Views: 10759 AT &T
Balloon Mortgages
 
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This video explains what a balloon mortgage is and provides an example to illustrate how balloon mortgages work. The video also discusses how balloon mortgages compare to ARM loans, and how balloon mortgages can expose the borrower to significant risk if interest rates increase substantially. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 4127 Edspira
The Big Short - "Jenga" Clip (2015) - Paramount Pictures
 
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When four outsiders saw what the big banks, media and government refused to, the global collapse of the economy, they had an idea: The Big Short. Their bold investment leads them into the dark underbelly of modern banking where they must question everyone and everything. Based on the true story and best-selling book by Michael Lewis (The Blind Side, Moneyball), and directed by Adam Mckay (Anchorman, Step Brothers) The Big Short stars Christian Bale, Steve Carell, Ryan Gosling and Brad Pitt. Director: Adam McKay Starring: Christian Bale, Steve Carell, Ryan Gosling, Brad Pitt, Melissa Leo, Hamish Linklater, John Magaro, Rafe Spall, Jeremy Strong, Marisa Tomei and Finn Wittrock Tickets: http://paramountshowtimes.com/us/the-big-short/?campaign=YouTube Connect with The Big Short: #TheBigShort Facebook: https://www.facebook.com/TheBigShortMovie/ Instagram: https://instagram.com/TheBigShortMovie Twitter: https://twitter.com/TheBigShort Youtube: https://www.youtube.com/Paramount Official Website: http://thebigshortmovie.com Paramount Pictures Corporation (PPC), a global producer and distributor of filmed entertainment, is a unit of Viacom (NASDAQ: VIAB, VIA), a leading content company with prominent and respected film, television and digital entertainment brands. Paramount controls a collection of some of the most powerful brands in filmed entertainment, including Paramount Pictures, Paramount Animation, Paramount Television, Paramount Vantage, Paramount Classics, Insurge Pictures, MTV Films, and Nickelodeon Movies. PPC operations also include Paramount Home Media Distribution, Paramount Pictures International, Paramount Licensing Inc., and Paramount StudioGroup. Connect with Paramount Pictures Online: Official Site: http://www.paramount.com/ Facebook: https://www.facebook.com/Paramount Instagram: http://www.instagram.com/ParamountPics Twitter: https://twitter.com/paramountpics YouTube: https://www.youtube.com/user/Paramount
Views: 1598827 Paramount Pictures
Treasury bond prices and yields | Stocks and bonds | Finance & Capital Markets | Khan Academy
 
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Why yields go down when prices go up. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/annual-interest-varying-with-debt-maturity?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/relationship-between-bond-prices-and-interest-rates?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Both corporations and governments can borrow money by selling bonds. This tutorial explains how this works and how bond prices relate to interest rates. In general, understanding this not only helps you with your own investing, but gives you a lens on the entire global economy. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 235714 Khan Academy
Relationship between bond prices and interest rates | Finance & Capital Markets | Khan Academy
 
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Why bond prices move inversely to changes in interest rate. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/treasury-bond-prices-and-yields?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/introduction-to-the-yield-curve?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Both corporations and governments can borrow money by selling bonds. This tutorial explains how this works and how bond prices relate to interest rates. In general, understanding this not only helps you with your own investing, but gives you a lens on the entire global economy. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 496175 Khan Academy
FRM: Mortgage prepayment metrics CPR & SMM
 
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CPR (conditional or constant prepayment rate) is the annual prepayment rate; SMM (single monthly mortality) rate is the monthly equivalent. For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 8902 Bionic Turtle
mortgage loan process in hindi | types of mortgages in india | types of mortgages in hindi
 
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In this video we have explained the mortgage loan process in hindi and different types of mortgages in india explained in hindi. The concept of mortgage and mortgage backed securities are similar. -~-~~-~~~-~~-~- Please watch: "banking and financial awareness for bank exams December 17 | IBPS Clerk | RBI Assistant | # PT-1" https://www.youtube.com/watch?v=BLU-RWG3Qsw -~-~~-~~~-~~-~-
Views: 60485 BANKING SUTRA
Amortizing a Bond Premium
 
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This video explains how to account for bonds issued at a premium. An example is provided to illustrate how to calculate the bond proceeds, premium, interest expense, amortization of the bond premium, and the carrying value of the bonds. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 57694 Edspira
How to make a Fixed Rate Loan/Mortgage Calculator in Excel
 
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More tutorials: https://www.teachexcel.com Excel Forum: https://www.teachexcel.com/talk/microsoft-office?src=yt This video tutorial will show you how to make a fixed rate loan or mortgage calculator in excel. It is actually quite easy to do and after watching this step-by-step example and walk-through, you will be able to make your own also. This tutorial uses the PMT() function to calculate the required payments and it is also explained in the tutorial. To follow along with the spreadsheet seen in the tutorial or to get some free excel macros or tips & tricks, go to the website: TeachExcel.com
Views: 222044 TeachExcel
Housing Back But Mortgage Bonds Still Cheap
 
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Housing Back But Mortgage Bonds Still Cheap
Mortgage Rundown: October 12, 2018
 
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With interest rates seemingly going up every day, stock and bond prices falling, and trade tensions with China ratcheting up, it’s a lot for borrowers, lenders, savers and everyone else who has a stake in the economy to keep an eye on. Fortunately, you have New American Funding’s Jason Obradovich to help make sense of all the economic gyrations in this latest version of the Mortgage Rundown! To read more on Jason’s Market Update click here: http://www.newamericanagent.com/mortgage-rundown-october-12-2018 ►Subscribe! https://www.youtube.com/channel/UC3OsglK9jXigknWLbSVQzrA?sub_confirmation=1 Follow New American Funding: Web: http://www.NewAmericanFunding.com Blog/Press: http://www.newamericanagent.com/news-press.aspx Careers: http://www.newamericanfunding.com/careers/ Partners: http://newamericanpartner.com/ Facebook: http://www.facebook.com/NewAmericanFunding Twitter: http://www.twitter.com/NewAmericanTeam LinkedIn: http://www.linkedin.com/company/new-american-funding Pinterest: https://www.pinterest.com/newamericanteam For additional state licensing https://www.newamericanfunding.com/legal/state-licensing/ -- Hello everyone and welcome back to the Mortgage Rundown. Today we are going to talk about what’s happening with interest rates. If it seems like interest rates have been going up almost every day, then you are correct. There has been this risk off trade that has pushed stock and bond prices down. Investors are taking profits as there seems to be more and more concerns over valuations and the trade war with China. For most of 2018 interest rates have remained relatively constant but (graph 1) starting on August 24th until today, 10yr Treasury rates have gone up 40bps to right around 3.18%. In fact, just this Wednesday the 10yr hit 3.25% midday. The last time we’ve seen a 10yr at this level was all the way back in May of 2011 (graph 2). In 2011 the 10yr started the year at 3.35% and closed the year at 1.95%. In 2018 the 10yr started at 2.45% but where will it finish the year? Don’t be surprised if the 10yr closes above 3% but below 3.5%. Even though the trend has been for higher rates, inflation is still very low and higher rates and the trade war will impact the economy. Not to mention that globally US Treasury rates are a bargain compared to other countries. For example, the US 10yr is at 3.18% but in the UK their 10yr is 1.72%, in France 0.90%, in Germany 0.55%, in Japan 0.14% and lastly Australia 2.75%. As far as sovereign debt is concerned, the US 10yr offers very attractive yields with little inflationary risk. In the coming weeks you should keep an eye on the following items: • First and foremost is the Federal Reserve. They raised the benchmark rate two weeks ago 25bps and it’s likely they will raise again at the December meeting. The Fed pushing up the front end of the curve is creating pressure on the long end and with that, mortgage rates. • With inflation and job data being along the lines of expectations for so many months, economic data hasn’t driven rates as much as headlines have, whether it be trade war, legislation or even upcoming elections. So be mindful of headline risk which generally causes markets to be more volatile. If you’d like a recap of today’s Rundown, please visit our blog. Thanks for watching and have a great day.
What is a Balloon Mortgage?
 
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Balloon mortgages are a unique home loan plan that have a lot of benefits for the right kind of buyer. Simply put, a balloon mortgage is a loan in which a large amount of the principal is paid off in one lump sum at the end of the loan period. After making standard payments for a set amount of time, you pay off whatever is left in a lump sum to finish the loan.
Views: 3071 HouseHunt
What Is A Bond And Mortgage?
 
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What is a mortgage bond? (with picture) wisegeek. As they pay back the money, more definition of bond and mortgage a species security, consisting conditioned for repayment loan realty to dec 15, 2015 loans are issued by city local government authorities help because they're partially backed mortgages, also jul 14, 2013 former salesman explains how sausage is made. For example, suppose bond abc is backed by a mortgage on property xyz pool of mortgages real estate asset such as house. Mortgage bond? Definition and meaning investor words. How do bond rates affect mortgage rates? Budgeting money. Mortgage backed securities i (video) mortgage bond definition rates how are determined? . In case of default, the mortgaged properties may be sold to pay back bondholders. The buyer) transfers to lender an interest in real estate secure repayment of a debt, evidenced by definition mortgage bond secured on property. Mortgage revenue bonds (mrbs) are tax exempt that state and bond rates directly affect mortgage. In a default situation, mortgage bondholders have claim to the underlying property and could sell it off compensate for bond is collateralized by one or several mortgaged properties. What is bond and mortgage? Definition of how do loans work? Smartasset. Mortgage bond legal definition of mortgage dictionary. Most mortgage loans are sold into the. What is a mortgage bond? Surety bond blog your cheat sheet for 'the big short' third way. Mortgage bond wikipediamortgage definition & example mortgage wikipedia. They are both attractive to investors who want a fixed let's get simple person borrows money and uses something as collateral, usually house. Each month when families pay down their aug 30, 2007. How mortgage bonds are made business insider. Mortgage bond wikipedia mortgage investopedia terms m mortgage_bond. Current mortgage rates revenue bonds freddie mac. A legal document by which the owner (i. However, they are strongly linked to bond rates. A lender might sell a collection of mortgage bonds to rates, the interest borrowers pay buy property, depend on several complex factors. Mortgage bonds are backed by real estate or physical equipment that can be a mortgage bond is loan made large financial institution to lender in exchange for package of jun 12, 2017 type license and permit surety required state agency licensure pertaining activities dec 23, 2015 once these mortgages pooled, they then issue investors using those assets as backing. Bonds are though most mortgages packaged as 30 year products, the average mortgage is paid off or refinanced within 10 years, so bond a great revenue bonds. A mortgage bond is a secured by or pool of mortgages. Googleusercontent search. More generally, bonds which are secured by the pledge of apr 26, 2017 affect mortgage interest rates because they compete for same type investors. How bonds affect mortgage interest rates the balance. Bond purchase activity supports community development. These bonds are typically
Views: 8 Question Tray
How do mortgage bonds affect interest rates
 
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David Luecke of Capitol Homes discusses mortgage bonds and how they affect interest rates on the Money Man Mike Show.
Views: 22 Capitol Homes, Inc
What Is A Collateralized Mortgage Obligation?
 
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A collateralized mortgage obligation (CMO) is a fixed income security that uses mortgage-backed securities as collateral. Like other structured securities, CMOs are subdivided into graduated risk classes, called tranches that vary in degree based on the maturity structure of the mortgages. Like other mortgage backed collateralized obligations (cmos) 1 also known as real estate investment conduits (remics) are one of the most innovative security. Collateralized mortgage obligation (cmo) refers to a type of backed security that contains pool mortgages bundled together and sold as an investment. Collateralized mortgage obligations (cmo) are. The holder of a cmo is entitled to regular payments derived from pool nov 26, 2015december 2007. Organized by maturity and level of risk, cmos receive cash flows as borrowers repay the mortgages that act collateral on these securities jun 11, 2015. A collateralized mortgage obligation (cmo) is a fixed income security that uses backed securities as collateral. Remic) residential mortgage backed securities & collateralized obligations on project invested feb 10, 2016 when buying and selling mortgages, you will hear the term obligation often. This term is important, as it will help your a security backed by pool of pass through rates, structured so that there are several classes bondholders with varying maturities, called tranches video created columbia university for the course 'financial engineering and risk management part i'mechanics jul 10, 2015 collateralized mortgage obligation (cmo) type wherein owner bond holds rights to specific obligations (cmos) redirecting cash flows related products mitigate prepayment obligations, or cmos, financial debt vehicle. Mortgage backed securities (mbs) fidelity investments. Finra is conducting an inquiry regarding sales of principal only ('po'), interest ('io'), and inverse cmo. Collateralized mortgage obligations financial definition of collateralized obligation (cmos) columbia university (cmos)what is a & how are they youtubefinra. Asp url? Q webcache. Collateralized mortgage obligation (cmo) definition & example. Collateralized mortgage obligation (cmo) definition & example collateralized investopedia. Residential mortgage backed securities & collateralized obligations. Collateralized mortgage obligation (cmo) video collateralized definition & example wikipediacollaterized obligations (cmos). A mortgage backed, investment grade bond that separates pools into different maturity classes. The cmo an overview investinginbonds. What are collateralized mortgage obligations? Morningstar. Like other structured securities, cmos are subdivided into graduated risk classes, called tranches that vary in degree based on the maturity structure of mortgages a collateralized mortgage obligation (cmo) is type complex debt security repackages and directs payments principal interest from collateral sep 2, 2011 obligations (cmos), backed security, bonds represent claims to specific cash flow
Views: 32 Shanell Kahl Tipz
What Is A Bond And Mortgage?
 
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A mortgage bond is a bond secured by a mortgage or pool of mortgages. These bonds are typically backed by real estate holdings and/or real property such as equipment. In a default situation, mortgage bondholders have a claim to the underlying property and could sell it off to compensate for the default. If bond abc definition of and mortgage a species security, consisting conditioned for the repayment loan money, realty to let's get simple person borrows money uses something as collateral, usually house. How mortgage bonds are made business insiderdefining a bond money articles how do work? Market news, news property24. What links here related changes upload file special pages permanent link page information wikidata item cite this what it is a mortgage bond uses mortgaged property as collateral. What is a mortgage bond home loan? . These bonds are typically backed by real estate holdings a mortgage bond is pool of mortgages on asset such as tools. Mortgage guide what is mortgage backed bond? Definition and meaning a (with picture) wisegeek. Mortgage bonds definition and types bbva. Mortgage bond investopediamortgage definition & example what is and mortgage? Definition of in layman's terms, a mortgage bond? Quora. You then definition of mortgage backed bond secured by a lien on the issuer's assets and payable from income. As they pay back the money, more definition of mortgage bond a secured by on property. Unlike a mortgage backed bond is loan made by large financial institution to lender in exchange for package of 14 jul 2013 former salesman explains how the sausage farmer has an approximate idea what yield he'll get soon, but he bonds also have what's called average life estimate. 15 dec 2015 bond loans are issued by city and local government authorities to help because they're partially backed by mortgages, bond loans are also they gather up all these mortgages together into a 'bundle' and then issue bonds called mortgage backed securities, or mbs. How do bond loans work? Smartasset. How bonds affect mortgage interest rates the balance. What is bundling a mortgage? Budgeting money. Mortgage bond legal definition of mortgage dictionary. Mortgage bond investopedia what is 'mortgage bond'. What is mortgage bond? Meaning of bond 12 jun 2017 a type license and permit surety required by state agency for licensure pertaining to activities the lent you in lump sum pay property legally bound attorneys who register your. Mortgage bonds are backed by real estate or physical equipment that can be definition of mortgage bond in the legal dictionary free online english and encyclopedia. What is a mortgage bond? Blog surety solutionssouth africa. A mortgage bond is a secured by or pool of mortgages. What is mortgage bond? Definition and meaning investorwords. If you buy an mbs, you're buying on the bbva website, will find detailed information mortgage bonds, various types and how we explain what this financial product involves 22 sep 2015 a mortgageable
Views: 12 Shanell Kahl Tipz
How the Mortgage Bond Market Works
 
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The Money Man Mike Show discusses how the bond market works.
Views: 13 Michael Thayer
What Is A Bond And Mortgage?
 
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Bond purchase activity supports community development. Mortgage bonds are backed by real estate or physical equipment that can be let's get simple a person borrows money and uses something as collateral, usually house. Googleusercontent search. Mortgage revenue bonds (mrbs) are tax exempt that state and bond rates directly affect mortgage. In case of default, the mortgaged properties may be sold to pay back bondholders 26 apr 2017 bonds affect mortgage interest rates because they both appeal investors who want a fixed return and low risk. What is a mortgage bond? (with picture) wisegeek. In layman's terms, what is a mortgage bond? Quora. How do bond rates affect mortgage rates? Budgeting money. How do mortgage bonds work? Market news, news property24. What is mortgage bond? Meaning of a bond loan made by large financial institution to lender in exchange for package 14 sep 2011 lot people need bond, but how many those know exactly what it entails? Find out with hippo 30 aug 2007. Mortgage bond definition & example how bonds affect mortgage interest rates the balance. More generally, bonds which are secured by the pledge of specific assets called mortgage. A mortgage bond is a secured by or pool of mortgages. Most mortgage loans are sold into the bonds collecting with a par value of czk 1 or 10,000 and determined interest yield (coupon) which can be either fixed variable (it. Mortgage bond wikipedia. Mortgage bond investopedia terms m mortgage_bond. Asp url? Q webcache. Mortgage bond wikipediamortgage wikipedia. Mortgage bonds can pay interest in either monthly, quarterly or semiannual periods a mortgage bond is collateralized by one several mortgaged properties. Learn about state bond home loan programs for first time mortgage revenue bonds freddie mac. Mortgage bonds are made business insider. Mortgage bond financial definition of mortgage. In a default situation, mortgage bondholders have claim to the underlying property and could sell it off compensate for bond is backed by pool of mortgages on real estate asset such as house. Here's how that works 20 nov 2007 mortgage bonds continue to confound some homeowners and purchasers who often do not understand why a bond is 12 jun 2017 type of license permit surety required by state agency for licensure pertaining activities definition species security, consisting conditioned the repayment loan money, realty secured on property. As they pay back the money, more than 14 jul 2013 a former bond salesman explains how mortgage sausage is made definition of in financial dictionary by free online english and encyclopedia. These bonds are typically backed by real estate holdings and or property such as equipment. Defining a mortgage bond money articles backed securities i (video) how do loans work? Smartasset. This may seem a bit strange, but there are logical reasons for this effect. 15 dec 2015 bond loans are issued by city and local government authorities to help because they're partially backed by mortgag
Views: 27 new sparky
A Smart Idea for Mortgage Bonds
 
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https://goo.gl/QPCkqk - Start earning with binary options like millions of traders do Investors continue hearing about the growth of fixed income exchange-traded funds (ETFs). Year to date, bond ETFs have set a record with $84 billion of inflows, while some fixed income ETFs are becoming increasingly accessible and appealing to a broader swath of investors. That trend continues with the iShares MBS ETF (MBB). MBB has been on the market for over a decade and has $10.1 billion in assets under management, making it one of the kings of the mortgage-backed securities (MBS) ETF space. Proving that an old ETF can learn new tricks, BlackRock, Inc. (BLK), the parent company of iShares, is transforming MBB to be a financial instrument and risk management tool of choice for investors seeking exposure to the mortgage market. BlackRock is also launching four new fixed income smart beta and environmental, social and corporate governance (ESG) ETFs to meet increasing client demand, said the asset manager. Mortgage-backed securities represent a significant percentage of the fixed income market: $5.5 trillion to be precise, using BlackRock data. These assets are secured by mortgages on real estate that borrowers have agreed to repay. (See also: How Mortgage-Backed Securities ETFs Work.) Not to be lost in the news about MBB's transformation is a significant fee reduction. BlackRock is paring MBB's annual fee to just 0.09%, or $9 on a $10,000 investment, from 0.27%. Much as the issuer has done with emerging markets, investment-grade and high-yield corporate bond ETFs, BlackRock is looking to make MBB the go-to choice for investors, including big institutional investors, looking to put on MBS exposure. The idea behind MBB's transformation is to provide a low-cost, highly liquid alternative to individual MBS issues. (See also: BlackRock's iShares ETFs.) Seeking to make the U.S. mortgage market more efficient, particularly for institutional mortgage buyers, BlackRock is lowering the price on MBB from 27 to nine basis points to compete directly in one of the largest segments of global fixed income. The firm is positioning MBB to become a leading financial instrument and risk management tool for institutions to access physical mortgage pools, according to BlackRock. MBB currently has an effective duration of 4.37 years and a 30-day SEC yield of just over 2%. Yields on MBS ETFs are typically lower than on other bond funds of comparable duration because of the high credit quality. For example, essentially all of MBB's nearly 450 holdings carry the prestigious AAA credit rating. MBB tracks the Bloomberg Barclays US Mortgage Backed Securities Index and has a weighted average maturity of almost 6.5 years. (See also: Top 3 Mortgage-Backed Securities ETFs.)
Views: 2 ETFs
Mortgage Loans - What is a Mortgage Loan and how do wthey work?
 
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Mortgage Loans explained, with an example of what a typical mortgage would be. What is Mortgage Backed Securities? The mortgages are sold to a group of individuals (a government agency or investment bank) that "securitizes", or packages, the loans together into a security that can be sold to investors. http://www.refinanceloanrate.com
Views: 12 Edward Willmington
Mortgage Bond Reduction Tips
 
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Potentially save hundreds of thousands in interest charges with these tips
Views: 96 PaulAndrewLeonard
How Bond Market works? | Understanding Debt Market with example | Bond Market in India - Part 1
 
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The bond market moves when expectations change about economic growth and inflation. Unlike stocks, whose future earnings are anyone's guess, bonds make fixed payments for a certain period of time. Investors decide how much to pay for a given bond based on how much they expect inflation to erode the value of those fixed payments. The higher their expectations of inflation, the less they will pay for bonds. The lower they expect inflation to be, the more they will pay. In Bond market, lower prices correspond to higher yields, and higher prices correspond to lower yields. When prices fall, yields rise, and vice versa. Find us on Social Media and stay connected: Facebook Page - https://www.facebook.com/InvestYadnya Facebook Group - https://goo.gl/y57Qcr Twitter - https://www.twitter.com/InvestYadnya
NMP Webinar: Fannie Mae HomeStyle® Renovation Mortgage
 
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Sponsored and presented by AFR Wholesale
Views: 1223 NationalMortgagePro
Financial Derivatives Explained
 
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In this video, we explain what Financial Derivatives are and provide a brief overview of the 4 most common types. http://www.takota.ca/
Views: 294820 Takota Asset Management
Mortgage calculation example
 
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Example of using the formula to calculate the monthly payment for a mortgage (home loan).
Views: 1102 drpattv
THE BIG SHORT MOVIE EXPLAINED ANIMIATED
 
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The big short movie small explanation on shorting the housing market, subprime mortgage crisis, and Credit default swaps. Music by: http://bensound.com
Views: 363539 ViralWhirl
Bonds & Debentures - Explained
 
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Bonds and Debentures are explained in hindi. Although a bond and a debenture work more or less the same way, there are few subtle differences. In this bonds vs debentures video, we will understand these differences on the basis of security, convertibility, risk etc. Bond market can give you fixed income which has much lesser risk as compared to share market. You can invest in corporate bonds & debentures, government bonds and Tax Saving Bonds. There are various types of bonds - convertible & non convertible debentures, zero coupon bonds, callable bonds, secured & unsecured debentures, redeemable a& irredeemable bonds etc. Related Videos: Shares vs Debentures (Bonds) - https://youtu.be/afSACc6c2c0 Types of Bonds & Debentures - https://youtu.be/5YN_Uo7stms How to Invest in Bonds & Debentures - https://youtu.be/hC9OsIzAoEk हिंदी में Bonds and Debentures के बीच तुलना। हालांकि एक bond और debenture एक ही तरह से कम या ज्यादा काम करते हैं, कुछ subtle differences हैं। इस bonds vs debentures वीडियो में, हम security, convertibility, risk etc के आधार पर इन differences को समझेंगे। Share this video: https://youtu.be/BdMg5RmMj_0 Subscribe To Our Channel and Get More Finance Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g To access more learning resources on finance, check out www.assetyogi.com In this video, we have explained: What is equity financing? What is debt financing? What is an example of debt financing? What is the difference between a debenture and a bond? What are debentures in simple terms? What are bonds? What are the similarities between bonds and debentures? How do bonds work? What are debenture holders? How does a debenture work? If there is a requirement of funds in any company then there are two options. First one is equity financing and the other one is debt financing. Equity financing is a risk capital in which company dilute its shareholding. On the other hand, if the company doesn't want to dilute its shareholding then company raises debt financing. So in this video, we will understand the differences between bonds and debentures on the basis of security, convertibility, risk etc. A bond is a financial instrument which highlights the debt taken of the issuing body towards the holders. A debenture is an instrument used for raising long term finances. Make sure to like and share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Instagram - http://instagram.com/assetyogi Facebook – https://www.facebook.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Twitter - http://twitter.com/assetyogi Pinterest - http://pinterest.com/assetyogi/ Google Plus – https://plus.google.com/+assetyogi-ay Hope you liked this video in Hindi on “Bonds vs Debentures"
Views: 5783 Asset Yogi
How I Made Myself Smarter
 
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In this video I use the concept of 'mortgage backed securities' as an example of how I was able to realize my recent increase in intelligence. The mortgage crisis was something I've tried to understand many times, to no avail. All of a sudden everything clicked and I realized how insanely simple (and stupid) the whole mortgage process was. There is a very practical reason why I am suddenly able to understand something that I haven't been able to understand before. In effect, I have made myself smarter. And in this video I tell you how I did it, as well as why it worked. Enjoy! D/C Russ align-mentality.com
Views: 79 Dc Russ
What is a Bond | by Wall Street Survivor
 
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What is a bond? Learn more at: https://www.wallstreetsurvivor.com A bond is a debt investment in which an investor loans money to a corporate entity or government. The funds are borrowed for a defined period of time at either a variable or fixed interest rate. If you want a guaranteed money-maker, bonds are a much safer option than most. There are many times of bonds, however, and each type has a different risk level. Unlike stocks, which are equity instruments, bonds are debt instruments. When bonds are first issued by the company, the investor/lender typically gives the company $1,000 and the company promises to pay the investor/lender a certain interest rate every year (called the Coupon Rate), AND, repay the $1,000 loan when the bond matures (called the Maturity Date). For example, GE could issue a 30 year bond with a 5% coupon. The investor/lender gives GE $1,000 and every year the lender receives $50 from GE, and at the end of 30 years the investor/ lender gets his $1,000 back. Bonds di er from stocks in that they have a stated earnings rate and will provide a regular cash flow, in the form of the coupon payments to the bondholders. This cash flow contributes to the value and price of the bond and affects the true yield (earnings rate) bondholders receive. There are no such promises associated with common stock ownership. After a bond has been issued directly by the company, the bond then trades on the exchanges. As supply and demand forces start to take effect the price of the bond changes from its initial $1,000 face value. On the date the GE bond was issued, a 5% return was acceptable given the risk of GE. But if interest rates go up and that 5% return becomes unacceptable, the price of the GE bond will drop below $1,000 so that the effective yield will be higher than the 5% Coupon Rate. Conversely, if interest rates in general go down, then that 5% GE Coupon Rate starts looking attractive and investors will bid the price of the bond back above $1,000. When a bond trades above its face value it is said to be trading at a premium; when a bond trades below its face value it is said to be trading at a discount. Understanding the difference between your coupon payments and the true yield of a bond is critical if you ever trade bonds. Confused? Don't worry check out the video and head over to http://courses.wallstreetsurvivor.com/invest-smarter/
Views: 117184 Wall Street Survivor
Bonds vs. stocks | Stocks and bonds | Finance & Capital Markets | Khan Academy
 
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The difference between a bond and a stock. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/shorting-stock/v/basic-shorting?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/stocks-intro-tutorial/v/what-it-means-to-buy-a-company-s-stock?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Many people own stocks, but, unfortunately, most of them don't really understand what they own. This tutorial will keep you from being one of those people (not keep you from owning stock, but keep you from being ignorant about your investments). About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 884453 Khan Academy
Debt Buyers: Last Week Tonight with John Oliver (HBO)
 
20:51
Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it! Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Views: 12735666 LastWeekTonight

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