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What are Municipal Bonds? | Fidelity
 
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Learn the details behind general obligation municipal bonds – what they are, why they are created, and how they work – with this illustrated video by Fidelity. To learn more about municipal bonds, please visit https://www.fidelity.com/fixedincome-bonds/individual-bonds/municipal-bonds. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ----------------------------------------------------------------------------------------------- Many people purchase municipal bonds as part of their overall investing strategy, but there’s quite a story behind how they are created, how they work, who’s involved. The municipal bond process can be a complicated one, so we’ll try to simplify it for you. Our story begins by paying a visit to Anytown, USA. Anytown is a great place to live. There’s a thriving cultural scene, good schools, and a strong business environment. It’s no wonder that many families have moved here. But, with lots of families now living in Anytown, the schools are bursting at the seams. The mayor, town council, and school district leaders all agree that a brand new school is needed, in addition to expansions to some of the existing school buildings. But, at an estimated cost of $30,000,000, how will the town pay for it? The town leaders come up with a plan to raise these funds by issuing bonds. This means that Anytown will borrow money from investors with the expectation of paying them back, with interest, over time. The people who will actually use the school building in the future will also be the folks paying for it. Anytown will use property tax revenues to repay the investors, backed by the full faith and taxing authority of the town. This is called a “general obligation municipal bond.” But, things can’t move forward just yet. Voter approval of the proposal is required. So, a bond proposal is developed and put on the ballot, as part of an election. The votes are tallied and the proposal is passed. At this point in our story, some new characters enter the scene: the underwriter, the bond counsel, and in most cases, the financial advisor. The financial advisor helps Anytown make decisions regarding the bond issue and works with the underwriter to determine pricing and distribution to investors. The underwriter acts as a liaison between the town and potential investors when bringing the bond issue to market. An underwriter can be chosen in two ways: via competitive sale or negotiated sale. The leaders of Anytown decide to go the competitive route, and put the bond issue out to bid. This is where the bond counsel, Smith & Jones Law Firm, enters the picture. Smith & Jones prepares the bond documents, including the Official Statement, and since Anytown has chosen the competitive route, a Notice of Sale. The Official Statement contains all the information a prospective investor needs in order to invest in Anytown’s bond issue. The underwriter will review the Official Statement and decide whether to bid on the bond. The bond counsel also writes the legal opinion, which provides justification and law for the tax exempt status of the issue and ensures that the bonds are valid and binding obligations for Anytown. The firm does not comment on the investment merit of the bond issue. Now that the legal opinion is in place, the Notice of Sale can be completed and posted. ABC Investment Bank sees the ad and is interested in underwriting it, with the ultimate goal of buying the muni bond issue from Anytown, and reselling it to investors. Before submitting a bid, however, they would like to invite other investment banks to participate with them, so they decide to form a syndicate and act as the syndicate manager. Forming a syndicate will allow the bank to share the marketing and distribution duties, as well as some of the financial risk of underwriting the bond issue. Two banks, JKL and XYZ, agree to join ABC Syndicate and they submit a bid. Back at Anytown town hall, the bid is reviewed, along with several others up for consideration. After much deliberation, the bond issue is awarded to the syndicate formed by ABC Investment Bank because they turned in the lowest borrowing cost. The syndicate goes to work as the underwriter, reaching out to individual and institutional investors to determine their interest in purchasing the bonds [...] Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 608004.3.0
Views: 65326 Fidelity Investments
Tax Free Municipal Bonds | BeatTheBush
 
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Tax-free municipal bonds is a useful tool in creating more tax free income. Buying this very special type of asset class allows the dividends you get to be tax free. If you are in a high tax bracket, then these types of bonds is ideal as compared to earning dividends on the free stock market. Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo This Channel: BeatTheBush I've obtained a high credit score of 848 out of 850 and I am glad to share the knowledge for everyone. Since 3 years ago, I've started making numerous videos that helped people increase their credit score that are free and accessible to all. Please enjoy my channel. Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Views: 10841 BeatTheBush
Investopedia Video: What Is A Municipal Bond?
 
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Municipal bonds, often called munis, are considered a debt instrument because when the investor purchases one, he or she is essentially loaning funds to the authority that issued it. In exchange, the authority promises to pay interest, called the coupon rate, during the years prior to maturity, at which point it repays the bond's par value.
Views: 11600 Investopedia
Advantages of Investing in Municipal Bonds
 
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This video discusses the advantages of investing in municipal bonds: namely, the historically lower risk of default (relative to corporate bonds) and tax-exempt nature of most municipal bonds. The video provides an example to show how the after-tax return of a municipal bond can be higher than a corporate bond that has a higher pretax yield. The video also demonstrates why municipal bonds are more attractive to high-income investors by showing that the tax-equivalent yield of a municipal bond increases as a person's tax rate increases. 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: 7676 Edspira
What rising interest rates mean for municipal bonds
 
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John Miller, Nuveen head of municipals, discusses how municipal bonds have been performing in an environment of rising rates.
Views: 312 CNBC Television
Disadvantages of Investing in Municipal Bonds
 
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This video discusses several disadvantages of investing in municipal bonds. Municipal bonds typically are less liquid than U.S. Treasury securities or corporate bonds, which means they may be harder to sell on the secondary market or come at a significant markup or dealer spread when being purchased. In additon, municipal bonds are frequently callable, which means investors could be subject to reinvestment risk if interest rates fall and the issuer decides to call the bonds (leaving the investor to reinvest the proceeds at the lower rate of interest). 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: 5412 Edspira
Municipal Bonds or Muni Bond Funds: Investing 101 w/ Doug Flynn, CFP
 
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Doug Flynn, CFP, of Flynn Zito Capital Management, LLC on the many ways to Invest Municipal Bonds Ali: ...He started by telling us exactly what a municipal bond is. Doug: You're basically lending money to a municipality, to a government, a state, a city, to do particular projects, and for that they're going to pay you interest, and that interest is typically tax-free. Ali: Generally speaking though, if I buy an individual bond, I know what my return is going to be. There might be some chance I don't get paid, they're all rated, but if I get paid, I'm going to get a return, a percentage return. Doug: That's right, as a standard return, you might get interest every six months, which doesn't automatically reinvest, there's no way to do that: you're going to take that check and do something else with it. But absolutely, you know what you're going to get, and when you're going to get it. The problem now is if you buy a thirty year bond at a low point, and rates are higher in five years, you're going to be very angry that you locked in at a lower point when there will be higher bond rates coming in a few years. Ali: So that is the advantage of buying it in a fund, because a fund manager trades in and out of these things. Doug: That's right, and people dont realize that there is a benefit to trading, because when they do something called bond swaps, where there might be a way to do different things by buying one bond and selling another one that boosts the yield. But absolutely, you get bonds that get called on you, and the fund also has the benefit of a monthly dividend that can reinvest, so a lot of people like that. It's also a much better, easier, cheaper way to get involved. When you buy an individual municipal bond, people don't realize, unless you have $1,000,000, you're not an institutional investor, you're paying a price that can be 2 or 3 or 4% more, where a fund is going to pool that asset, or if you have that $1,000,000, you can get preferential pricing, but it's what the funds are going to hopefully bring to you. But you don't get a fixed return, and your fixed principal back to you. Ali: So doesn't that defeat the purpose? Because I buy a bond knowing what I'm getting over time. Doug: There are times you may want to buy an individual bond no matter what type of bond it is. I would say at a time when rates are extremely high, and possibly going down. That's when you want to lock in for as long as you can. But when rates are constantly going up, for the next couple of decades perhaps, and I don't know when, these are ways you can kind of roll into that, and not commit a whole bunch of money at a particular low point. Ali: Right, and these have all kinds of flavors. So you talked about buying a certain type of individual bond, that's not for everybody, you talked about mutual funds. There are even exchange traded funds for bonds. Now I know how ETFs typically work, it's a basket of stocks that you buy, it's got a ticker, you buy it like a stock. How do they work when it comes to municipal bonds? Doug: It's exactly the same way. Now an ETF is a mutual fund, it just happens to be one that also trades on the stock market. So you can find municipal bond funds that trade on the exchange throughout the day. You get into the movement of the market on a daily basis throughout the day, as opposed to only at the end of the day with a traditional mutual fund. But you can buy them in ETF format. Therefore they might be a little bit cheaper... Ali: Cheaper because there's a lower fee because you don't have to pay a manager... Doug: Correct, but you might not be able to reinvest the dividend off of that, so that's a little bit different. Ali: It worries me though, because you need a certain sophistication to understand getting in and out of bonds. Now do I give that up by going for an ETF versus one where I am paying for a manager who's a specialist one hopes. Doug: There is value in trading bonds if the manager you're choosing knows what they're doing, so if you take an individual municipal bond, you have one bond, you're subject to it, you buy an ETF that's a fixed basket that isn't necessarily actively traded, but maybe it's fifty bonds instead of one, but there is an active trading, but then you have a more common traditional fund, where the manager hopefully is trading and bringing something of value to the equation for you. So those are different risks depending on how you would like to do it. Ali: Now let me ask you one more thing. A unit investment trust, what is that? Doug: It's similar to an ETF, it's a basket of securities that many different firms put out there, but they have a maturity date. But all these things should be available to you, and you should research, or an adviser can help you out based on what your needs are, and that will be the best way to buy some municipal bonds if you need some additional, tax-free income.
Views: 6643 FlynnZito
Taxable Corporate Bonds vs Municipal Bonds (Tax Exempt/Non-taxable) After Tax/Equivalent Formula
 
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In this tutorial/lesson I teach you how to compare taxable bonds such as corporate bonds with non-taxable or tax exempt bonds such as municipal bonds. Investors should always invest in the bond that provides the highest after tax return whether it is a corporate bond vs a municipal bond, corporate bond vs tax exempt bond, taxable bond vs tax free bond, taxable bond vs non taxable bond etc.. I show you how to do this by teaching you the after tax rate of return formula, the equivalent taxable return formula, and the cut-off tax bracket formula.
Views: 4458 Subjectmoney
Expert: Municipal bonds outperform other fixed income during periods of rising rate
 
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Peter Hayes, managing director, CIO and head of Blackrock's Municipal Bond Group, discusses whether the fear of rising rates will push investors to buy into municipal bonds. » Subscribe to CNBC: http://cnb.cx/SubscribeCNBC About CNBC: From 'Wall Street' to 'Main Street' to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Connect with CNBC News Online Get the latest news: http://www.cnbc.com/ Find CNBC News on Facebook: http://cnb.cx/LikeCNBC Follow CNBC News on Twitter: http://cnb.cx/FollowCNBC Follow CNBC News on Google+: http://cnb.cx/PlusCNBC Follow CNBC News on Instagram: http://cnb.cx/InstagramCNBC #CNBC
Views: 274 CNBC Television
What 4.1% U.S. Economic Growth Means to Muni Bonds
 
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Aug.01 -- Jeffrey Lipton, head of muni research and strategy at Oppenheimer, discusses the impact of 4.1 percent U.S. economic growth on state credit and municipal bonds. He speaks with Bloomberg's Taylor Riggs in this week's "Muni Moment" on "Bloomberg Markets."
Why Traditional Bonds Are High Risk, but Munis Have Advantages. Two Top Bond Managers Explain
 
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Two influential bond managers explain why municipal bonds still make sense and so many corporate and Treasury bonds don’t. WEALTHTRACK # 1433 broadcast on February 2, 2018.
Views: 6808 WealthTrack
Muni Bonds in an IRA and Why Bond Funds Suck - 12.22.2010
 
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Munis in an IRA? ABSOLUTELY!!....and Why bond funds suck Want more? Visit us at http://www.valentineventures.com or subscribe to our YouTube channel
Views: 214 Valentine Ventures
Munis and You - Part 1: Overview of Municipal Bonds
 
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Municipal Bonds can be a valuable part of an investment portfolio. This is part 1 of an informational video series by Quartz Financial on Municipal Bonds and You. Quartz Financial is a client-focused comprehensive wealth management firm specializing in Sudden Wealth. Backed by global resources, we work with you to create an integrated wealth plan, delivering independent financial advice, planning and implementation to protect, preserve and grow your wealth. Our clients are diverse—from the sudden wealth recipient unsure where to start, to the newly retired couple anxious to start their next stage life, to the wealthy family looking for family office services. Even so, one trait that is common among our clientele is their desire to develop a long-term partnership that will help them discover and pursue their financial and life goals. Our Clients Include: Sudden Wealth Recipients, Business Owners, Entrepreneurs, Retirees, Medical & Legal Professionals, and Corporate Executives --------------- Quartz Financial is a privately owned firm. Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member SIPC (sipc.org). | For a list of states in which the representatives associated with this site are registered to do business, please visit www.quartzfinancial.com. | Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
Views: 87 Quartz Financial
Series 7 Exam Session 17 - Municipal Bonds
 
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Session 17 in our Series 7 exam videos. Provides an overview of Municipal Bonds covered in the exam. Get more answers at our forum for finance and accounting at passingscoreforum.com
Views: 32615 Passing Score
Why we’re constructive on muni bonds | Columbia Threadneedle
 
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We’re very constructive on munis going forward, says Catherine Stienstra, Head of Municipal Investing. Municipal bond yields are attractive – but supply is low. To read our latest investment insights, click here: https://www.columbiathreadneedleus.com/blog For more videos from Columbia Threadneedle Investments: https://www.youtube.com/ctinvest_us To learn more about Columbia Threadneedle Investments, click here: http://www.columbiathreadneedle.com
Buffet Big On Muni-Bond - Bloomberg
 
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"A few years ago, it would have seemed unthinkable that yields like today could have been obtained on munis or corporate bonds", Warren Buffett says. (The Trade)
Views: 1347 Bloomberg
Seeking Higher Yields in Tax-Exempt Bonds
 
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Investors have been buying tax-free municipal bonds at a record pace this year despite historically low yields. Jim Murphy, manager of the T. Rowe Price Tax-Free High Yield Fund, discusses his strategy for earning higher tax-exempt yields and the outlook for muni bond investing. Learn more at http://trowe.com/29BGS4a
Views: 2061 T. Rowe Price
Municipal Bonds Versus Corporate Bonds
 
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One of the purposes behind investing in fixed income is to dampen the equity risk present in a portfolio. Thus, fixed income investments should be of the highest quality. That's why it's important to note the differences between municipal bonds and corporate bonds when making fixed income investments.
Views: 3004 BAMAdvisorServices
2018 Outlook: Municipal Bonds
 
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Recorded 11/29/2017
Views: 559 Eaton Vance
Amodeo & Dimella: Investing In Muni Bonds
 
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The rising appeal of muni bonds. Despite some negative headlines, top fund managers Robert Amodeo of Western Asset Management and Robert DiMella of MacKay Municipal Managers say there are opportunities to be had in munis. WEALTHTRACK #1034 originally broadcast February 14, 2014
Views: 3018 WealthTrack
Series 7 Exam Prep Tutorial - Municipal Bonds
 
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Municipal Bonds tutorial from Series 7 Exam Prep: https://www.firesolutions.com/securities-exam
Views: 8989 FIREexamprep
Muni Bond Outlook: A Strong Core in 2018?
 
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How is a shifting tax plan impacting advisors’ appetite for munis? BlackRock’s Karen Schenone joins S&P DJI’s Shaun Wurzbach and J.R. Rieger to discuss the forces influencing the muni market.
What is a Municipal Bond? How Do Municipal Bonds Work?
 
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What is a Municipal Bond? How Do Municipal Bonds Work? - Please take a moment to Like, Subscribe, and Comment on this video! View Our Channel To See More Helpful Finance Videos - https://www.youtube.com/user/FinanceWisdomForYou mutual funds savings bonds oppenheimer funds bonds municipal bonds mutual fund cusip what is equity treasury bonds cusip lookup best mutual funds i bonds fidelity funds bearer bonds what are bonds junk bonds what are mutual funds saving bonds bond market bond buyer government bonds corporate bonds convertible bonds types of bonds bond yield zero coupon bonds israel bonds stocks and bonds munis fixed income securities bond ratings high yield bonds tax free municipal bonds puerto rico municipal bonds bond funds bond rates muni bonds municipal bond investing in bonds treasury bond rates treasury bond bond prices bond yields municipal bond rates treasury bill rates best bond funds buying bonds how to buy bonds tax free bonds the bond buyer corporate bond callable bond junk bond general obligation bonds buy bonds build america bonds corporate bond rates tax free investments bond interest rates fixed income investments bond market news treasury bonds rates revenue bonds fidelity bonds bond index i bonds rates municipal bond funds investment grade bonds high yield bond funds bonds and interest rates bond investing bond fund tax exempt bonds income funds what are municipal bonds short term bonds how to invest in bonds municipal bonds rates fidelity bond funds municipal bonds definition corporate bond yields fixed income funds bond mutual funds local taxes municipal securities mutual funds savings bonds oppenheimer funds bonds municipal bonds mutual fund cusip what is equity treasury bonds cusip lookup best mutual funds i bonds fidelity funds bearer bonds what are bonds junk bonds what are mutual funds saving bonds bond market bond buyer government bonds corporate bonds convertible bonds types of bonds bond yield zero coupon bonds israel bonds stocks and bonds munis fixed income securities bond ratings high yield bonds tax free municipal bonds puerto rico municipal bonds bond funds bond rates muni bonds municipal bond investing in bonds treasury bond rates treasury bond bond prices bond yields municipal bond rates treasury bill rates best bond funds buying bonds how to buy bonds tax free bonds the bond buyer corporate bond callable bond junk bond general obligation bonds buy bonds build america bonds corporate bond rates tax free investments bond interest rates fixed income investments bond market news treasury bonds rates revenue bonds fidelity bonds bond index i bonds rates municipal bond funds investment grade bonds high yield bond funds bonds and interest rates bond investing bond fund tax exempt bonds income funds what are municipal bonds short term bonds how to invest in bonds municipal bonds rates fidelity bond funds municipal bonds definition corporate bond yields fixed income funds bond mutual funds local taxes municipal securities What is a Municipal Bond? How Do Municipal Bonds Work? The short answer is probably not. Certificates of deposit (CDs) are safer and have a major yield advantage, even after factoring in the tax benefits of municipal bonds. There are two main reasons that investors like to buy municipal bonds: The income they produce is generally not taxable, and they are perceived to be super-safe investments. Let’s explore these reasons more closely to see if they are valid. When rates are low, the tax advantage is not very large. Nobody likes the idea of having to pay taxes, and most municipal bonds provide a way to receive income free from federal, state and local taxes What is a Municipal Bond? How Do Municipal Bonds Work? A debt security issued by a state, municipality or county to finance its capital expenditures. Municipal bonds are exempt from federal taxes and from most state and local taxes, especially if you live in the state in which the bond is issued. Finance Wisdom For You Finance Wisdom For You What is a Municipal Bond? How Do Municipal Bonds Work?
Understanding the Tax Benifits of Municipal Bonds
 
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Chapter 9 Fully Taxable Equivalent Yields
Views: 566 Michael Nugent
Municipal Bonds Get a Boost in Midterm Elections
 
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Nov.07 -- James Iselin, managing director and head of municipal fixed income at Neuberger Berman, discusses how municipal bond initiatives fared in the midterm elections and what changes in state governments may mean for the market. He speaks with Bloomberg’s Taylor Riggs in this week’s "Muni Moment" on "Bloomberg Markets."
Municipal Bonds: The Best Income Investment of 2014?
 
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The bond market has been a scary place to invest lately, with soaring rates causing losses in 2013. But in 2014, municipal bonds are starting to look appealing, especially to investors who can benefit from their unique tax advantages. In the following video, Dan Caplinger, The Motley Fool's director of investment planning, discusses municipal bonds. He notes that muni bonds are in the unusual situation of yielding more than comparable Treasuries, even though Treasury bonds are taxable while munis are free of federal income tax. Despite the perceived risk from high-profile bankruptcies like Detroit, many muni bonds are backed by insurance companies, with Assured Guaranty (NYSE: AGO) and Berkshire Hathaway (NYSE: BRK-A) (NYSE: BRK-B) among companies insuring munis right now. Dan concludes by looking at some ways to get exposure to munis, including the iShares AMT-Free National Muni ETF (NYSEMKT: MUB) and similar state-specific investments. Investing made simple: The Motley Fool's essential guide to investing is now available to the public, free of cost, at http://bit.ly/1atRpHZ. This resource was designed to cover everything that new investors need to know to get started today. For your free copy, just click the link above. Visit us on the web at http://www.fool.com, home to the world's greatest investing community! ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 2797 The Motley Fool
Municipal Bonds: Here's What You Should Know
 
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Around 60 municipal corporations are set to issue bonds for smart cities soon. Municipal bonds, also known as munis, are fixed income instruments, i.e., debt securities issued by government or semi-government institutions who need funding for civic projects.
Should I Buy Municipal Bonds?
 
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Is it a good idea to buy municipal bonds in this economy? I want to invest in something safe but with a decent yield. Should I buy municipal bonds? You can get both taxable muni bonds and tax-exempt bonds. Tax exempt bonds are popular for people approaching retirement so that they don't have to pay income taxes on the returns. Tax-exempt sounds good. It improves the rate of return. You are taking a big risk on interest rates. If the interest rates skyrocket, you'll lose money on the bonds. That is true for any bonds. You're taking a risk that the city isn't going to go bankrupt like Detroit. That is a very rare event. Because many cities in the Rust Belt, California and Northeast borrowed heavily to pay for infrastructure and unions, there are hundreds of municipalities at risk of bankruptcy. Building roads is an investment. Bonds are like credit cards for cities. They built stadiums, convention centers and even theme parks, and in some cases, are paying off the bonds for buildings that no longer exist. That is bad, or sad. I can't decide. But you mitigate the risk by buying bond funds, instead of just individual bonds. Infrastructure projects like roads, bridges and schools build up a city's value. That will improve the tax base over time. Billion dollar schools don't teach better than cheaper ones, and cities using bonds to pay over-priced teachers and pensions could easily default. Sounds like you are dead set against muni bonds. You don't see bonds as an investment in your community? They spend billions on education and end up with lots of functionally illiterate kids. They spend billions on stadiums for losing teams and come up with numbers to make it sound good. If it builds the community - For as much as my property taxes went up to pay for the new stadium bonds, we all ought to get free lifetime tickets, not pay $10 for parking and $30 to walk in. You're right. One city may do stupid stuff with the money -- bond fund it is.
Views: 1814 Money Wise
YOUR 401(k) #13 - Treasury Bonds, TIPS, & Munis
 
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In this video, we cover fixed income/bond funds that invest in government bonds, like Treasuries. We talk about T-Bills, T-Notes, and T-Bonds, as well as Treasury Inflation-Protected Securities (aka TIPS) and Municipal Bonds (aka Munis). What are you waiting for? Click here for exclusive access: www.reisupllc.com/your401k Please subscribe if you find these videos helpful! © 2016 ReisUP LLC Website: http://www.reisupllc.com/your401k Instagram: http://instagram.com/reisupllc Facebook: https://www.facebook.com/reisupllc/ Disclaimer: The content presented here is for educational purposes only and should not be construed as financial advice or recommendations. The information presented is believed to be up-to-date and factual, but ReisUP LLC cannot guarantee its accuracy and it should not be considered a complete analysis of the topics discussed. All expressions of opinion reflect the judgment of the author as of the publication date and are subject to change. The information contained herein does not contain personalized investment advice, nor should it be construed as legal or tax advice. A professional financial advisor, attorney, and/or tax professional should be consulted regarding your specific financial, legal, and/or tax situation. The information presented here is also not an offer to buy or sell securities, nor a solicitation of any offer to buy or sell the securities mentioned herein.
Views: 1321 ReisUP
3 Muni Bond Funds to Ease Interest-Rate Jitters
 
03:05
With interest rates rising, many muni bond investors are getting nervous. We talked to our analysts to share three of their favorite muni bond funds they think will help ease some of these jitters. For all Morningstar videos: http://www.morningstar.com/cover/videocenter.aspx
Views: 763 Morningstar, Inc.
Municipal bonds
 
05:11
Municipal bonds Municipal bonds are good for high income people Although investing in foreign bonds isn't a great idea for anyone, investing in municipal bonds may be a good idea for some people. If you have a fairly high income, you should take a look into investing into municipal bonds. Almost all municipal bonds are exempt from federal income tax, and most municipal bonds issued in your state also are exempt from state income taxes. However, only the interest income is exempt from taxation. If you sell a municipal bond, or bond fund, at a gain, you'll have to pay capital gains taxes. If you're in the 28 percent marginal tax bracket, municipal bonds are probably worth a look. If you're in the 31 percent marginal tax bracket, municipal bonds are certainly worth investigating. However, since municipal bonds are exempt from federal income tax, these bonds will offer a yield that is lower than the more creditworthy US Treasury bonds. To determine if investing in municipal bonds is right for you, you need to compare the after-tax yields of munis with taxable bonds of comparable credit quality. How to tell if you should invest in municipal bonds Suppose blue chip corporate bonds are yielding 10 percent, and municipal bonds yield only 8 percent. If you're in the 15 percent marginal tax bracket, the corporate bonds will provide a higher after-tax yield. However, if you're in the 28 percent or higher bracket, the municipal bonds provide a higher after-tax return. And remember that municipal bond funds come in all different maturities including money market funds. Never put municipal bonds in a retirement account Notice that you should never invest in municipal bonds inside of a retirement account. Retirement accounts already provide tax sheltering, so go for the higher yield provided by something like a corporate bond instead of the lower municipal yield. Also, if you're investing in municipal bonds, keep an eye on tax reform legislation. Tax reform packages offered by both Republicans and Democrats would end the tax exempt status for municipal bonds. If these tax reform packages became law, municipal bond prices will drop. Don't invest in most double exempt muni bond funds Finally, should you invest in a so-called double-exempt municipal bond fund? The answer is usually no. These funds invest in municipal bonds issued by a single state. For example, California investors might want to invest in a California double-exempt fund that invests only in California municipal bonds. This way, the interest income earned by the California investor is exempt from federal income tax and California state income tax. This makes the after-tax yield even better for a California investor. Almost every state has double-exempt bond funds. Even states that have no state income tax for some reason have double-exempt bond funds. However, most of these funds should be avoided. The problem with most of these funds is that their fees are too high. A typical double-exempt bond fund charges a sales load of 5 percent and has an expense ratio of well over 1 percent. However, if you live in a big state with high tax rates like California or New York, you probably can find a bond fund that is both double-exempt for your state and has low costs. The Vanguard mutual fund family is usually the place to look for these kind of funds. Insured municipal bonds There are several levels of credit risk in municipal bonds. Conservative investors can invest in insured municipals where an insurance company will assume the local government's obligations if the local government goes bankrupt. This insurance comes at a price, generally in the form of reduced yield. General obligation bonds Uninsured general obligation municipal bonds aren't as safe as insured municipals, but they are generally good credit risks. General obligation bonds are backed by the local government's full taxing authority. With GO bonds, the local government has the obligation to raise taxes to meet the debt payments. Revenue bonds Revenue bonds are another form of municipal bond. In this case the municipality doesn't guarantee that the local government will be liable for the debt. Revenue bonds typically are issued to pay for new sewers, stadiums or airports. The water department or stadium collects usage fees, and these fees are used to pay off the debt. If the usage fees aren't sufficient to pay off the debt's obligations, the government isn't on the hook to make up the difference. Revenue bonds for essential services like sewage are probably safer investments than bonds used to finance things like stadiums or convention centers. Copyright 1997 by David Luhman
Views: 1521 MoneyHop.com
Plenty Of Upside In Municipal Bonds | Forbes
 
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Jim Reynolds, chairman & CEO of boutique investment banking firm Loop Capital Markets, on why munis are the most attractive fixed-income market to be in right now, whether state economies of Illinois and California are out of the woods, and what Democrats can learn from Republican governors like Chris Christie, Scott Walker, and John Kasich.
Views: 2465 Forbes
What are Municipal Bonds?
 
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Welcome to the Investors Trading Academy talking glossary of financial terms and events. Our word of the day is “Municipal Bonds” Municipal bonds are issued by a government, such as a state, county, district or municipality. Issuers often use the money to pay for public projects, like roads or construction projects, that would otherwise come directly out of taxpayers’ pockets. In most cases, the interest holders of municipal bonds receive is exempt from federal taxes, which is a huge appeal for investors. Maturities can range from the short term, usually one to three years, to a decade or longer. Municipal bonds called munis are debt obligations issued by government entities. When you buy a municipal bond, you are loaning money to the issuer in exchange for a set number of interest payments over a predetermined period. At the end of that period, the bond reaches its maturity date, and the full amount of your original investment is returned to you. While municipal bonds are available in both taxable and tax-exempt formats, the tax-exempt bonds tend to get the most attention because the income they generate is for most investors exempt from federal and, in many cases, state and local income taxes. By Barry Norman, Investors Trading Academy
Munis and You - Part 2: Municipal Bond Terms
 
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Municipal Bonds can be a valuable part of an investment portfolio. This is part 2 of an informational video series by Quartz Financial on Municipal Bonds and You. Quartz Financial is a client-focused comprehensive wealth management firm specializing in Sudden Wealth. Backed by global resources, we work with you to create an integrated wealth plan, delivering independent financial advice, planning and implementation to protect, preserve and grow your wealth. Our clients are diverse—from the sudden wealth recipient unsure where to start, to the newly retired couple anxious to start their next stage life, to the wealthy family looking for family office services. Even so, one trait that is common among our clientele is their desire to develop a long-term partnership that will help them discover and pursue their financial and life goals. Our Clients Include: Sudden Wealth Recipients, Business Owners, Entrepreneurs, Retirees, Medical & Legal Professionals, and Corporate Executives --------------- Quartz Financial is a privately owned firm. Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member SIPC (sipc.org). | For a list of states in which the representatives associated with this site are registered to do business, please visit www.quartzfinancial.com. | Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
Views: 69 Quartz Financial
Municipal Bonds Score Big: Are Munis the Remedy for a Volatile Stock Market?
 
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http://www.elliottwave.com/r.asp?rcn=ytvideos1403&url=http://www.elliottwave.com/free_newsletters/free_newsletters-ind.aspx So far in 2014, municipal bond investors have enjoyed relative safety along with superior returns. Munis have even outperformed the Dow Industrials. But are safety-minded investors in for an unpleasant surprise?
Dimella: Muni Advantage
 
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Award winning municipal bond fund manager Bob DiMella runs several 5-star rated funds including MainStay New York Tax-Free Opportunities Fund and MainStay California Tax-Free Opportunities Fund. His work analyzing state finances gives him an inside view of how well different governors manage. Two states stand out, one positive and one negative. Both have governors with national political aspirations. WEALTHTRACK #1234 Broadcast on February 12, 2016
Views: 4053 WealthTrack
Eaton Vance's Municipal Bond Fund portfolio manager expects gains in the muni market an...
 
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EATON VANCE'S MUNICIPAL BOND FUND PORTFOLIO MANAGER EXPECTS GAINS IN THE MUNI MARKET AND BELIEVES MUNI RATES WON'T GO UP AS MUCH AS TREASURY RATES ANCHOR (OFF-CAMERA) ENGLISH SAYING: How is 2014 looking? How will the challenges change? TOM METZOLD, PORTFOLIO MANAGER, EATON VANCE, (ENGLISH) SAYING: With the Volcker rule just coming out and munis getting treated quite well with respect to trading restrictions, or I should say there will not be trading restrictions, I'm thinking it's going to be a lot better when you consider that Puerto Rico is not going to happen again because what's happened in Puerto Rico has happened already, and of course the Detroit bankruptcy is now behind us and I think looking more positive. When you think of how cheap munis are relative to Treasuries and other taxable investments and the fact that tax rates went up considerably, I'm actually much more positive and excited about 2014. ANCHOR (OFF-CAMERA) ENGLISH SAYING: Really? TOM METZOLD, PORTFOLIO MANAGER, EATON VANCE, (ENGLISH) SAYING: Yes. ANCHOR (OFF-CAMERA) ENGLISH SAYING: So there could actually be gains for some? TOM METZOLD, PORTFOLIO MANAGER, EATON VANCE, (ENGLISH) SAYING: I know a lot of people think rates are going up. But I think muni rates are probably not going to go up as much as Treasury rates because they're already so high or cheap relative to Treasuries right now. We are shortening duration a little bit. Instead of buying 30-year bonds, we'll buy 20-year bonds. And we are looking very specifically towards credit-oriented bonds. We're not going to take as much duration risk, interest rate risk. But we do think there's opportunities out there as the economy slowly get stronger and state and local governmental entities are doing better with their finances in solving some of their underfunded pension problems and some of their deficits that are now turning into surpluses like the state of California. ANCHOR (OFF-CAMERA) ENGLISH SAYING: Where will we see opportunities. Is it GO bonds? Revenue bonds? A combination of both? TOM METZOLD, PORTFOLIO MANAGER, EATON VANCE, (ENGLISH) SAYING: We own a little bit of Illinois...
Views: 135 Market Screener
Tax-Exempt Munis Poised for Worst Quarter Since 1994
 
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Dec. 29 (Bloomberg) -- Tax-exempt municipal bonds are heading for their worst quarterly performance in more than 16 years as yields soared amid a U.S. Treasury selloff and the looming expiration of Build America Bonds. Bloomberg's Julie Hyman reports. (Source: Bloomberg)
Views: 90 Bloomberg
Suze Orman on the Benefits of Municipal Bonds
 
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When it comes to advice on where senior citizens should invest their money, personal finance expert Suze Orman thinks municipal bonds are a great option. Part of the series Mondays With Marlo on Marlothomas.com. New videos every afternoon at 3pm Monday-Friday! Subscribe To Marlo Today: http://goo.gl/gCSw3  Margaret Julia "Marlo" Thomas is an American actress, producer, author and social advocate for women. She also serves as National Outreach Director for St. Jude Children's Research Hospital which was founded by her father, Danny Thomas. Marlo Thomas video property is a part of the AOL On Network.  Get more Marlo Thomas Read: http://www.huffingtonpost.com/marlothomas/ Like: http://www.facebook.com/MarloThomas Follow: https://twitter.com/marlothomas
Views: 3732 marlothomas
Public Pensions and Municipal Bonds: Understanding the Risks
 
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Barron's recently called unfunded public pension liabilities "the ticking time bomb" in the municipal bond market. In a recent discussion at Asset TV, BAM pension actuary Les Richmond discussed the facts behind the headlines, and how BAM's analysts factor pension risks into their overall credit assessments. Please Note: These videos do not constitute individual investment recommendations or advice. Investors considering the merits of a particular debt issue should read the Official Statement prepared for it. If BAM insurance has been purchased for some but not all of bonds being offered for sale, the Official Statement will identify which bonds are insured. For more information, please view our Terms of Use at: http://buildamerica.com/terms-of-use
The Basics Of Municipal Bonds
 
01:55
www.mclaughlininvestmentconsultant.com
Municipal Bonds: Active Management, Tax Reform & More
 
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Purva Patel, CIMA®, Senior Vice President, Client Portfolio Manager - Nuveen, discusses where munis are in the modern-day market.
The Outlook For Muni Bonds ... And How To Invest In Them With ETFs
 
01:02:50
Do you understand the real risks in your municipal bond exposure? Is there upside opportunity in the muni market? Has the bad news already been priced into the market or are municipal bonds still too risky? Do ETFs capture munis well, or does tradability hamper your ability to access this volatile but important asset class? In this one-hour webinar, IndexUniverse partnered with a leading municipal bond expert to answer these questions with a complete, 360-degree view of muni markets. By listening, you'll hear: • A presentation by Matt Fabian, managing director of Municipal Market Advisors, on the current state and potential of the muni market • A presentation by Matt Hougan, president of ETF Analytics for IndexUniverse, on how to evaluate and trade municipal bond ETFs • An in-depth, audience-driven Q&A
Views: 86 ETF.com
This is Why Municipal Bonds Are No "Day at the Beach"
 
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http://www.elliottwave.com/Investor-Research/Financial-Forecast-Service?tcn=ytv1703
Don't Overreact! Muni Bonds Will Hold Onto Their Gains
 
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The Barclay's Municipal Bonds Index is up around 4% year-to-date, yet it has been drifting lower as bonds have sold off in the past month sending yields higher. John Dillon, managing director at Morgan Stanley Wealth Management , said investors need not panic because munis will hold onto their gains. "Although the bond market will ebb and flow with every non-farm payrolls report and Fedspeak, the Morgan Stanley year-end forecast for the 10-year U.S. Treasury note is just 1.25%, almost 50 basis points lower than today," said Dillon. "And our U.S. GDP forecasts are below consensus too, so even if we don't get down to that 1.25% level, it seems unlikely that we will move materially higher in yield from current levels." In the interim, Dillon said he views the weakness as a buying opportunity. Based on the historic seasonality of the muni market and according to ICE Data Services, Dillon expects the amount of bond redemptions to decline significantly during September, October and November, which is actually expected to be the lowest month of this year. "When the uptick in supply is paired with weaker reinvestment demand, relative value should be unlocked, meaning cheaper munis and often a good entry point," said Dillon. A few months ago Puerto Rico's problems were on the tip of every muni investor's tongue, but lately it has been very quiet on the Puerto Rico front. Dillon said the PROMESA bill put before the President by Congress, which was passed and signed into law before one of the largest defaults, actually has had a "mildly positive impact on the overall market" even though the defaults continued. "Concerns over Puerto Rico did not have a systemic impact on the muni market despite the high profile coverage of the defaults," said Dillon. "I view that development very positively, as it shows that muni market is moving more toward an idiosyncratic, credit-based focus, where participants can ring-fence a problem issuer even a large one." As for the election's impact on the muni market, Dillon said he is Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Chicago Munis Bonds Will Fare Well Says Wells Fargo Fund Manager
 
04:34
The recent lack of movement in Treasury yields has caused municipal bond fund prices to stagnate. A growing economy should lift the muni market in the second half of 2015, said Lyle Fitterer, portfolio manager for the Wells Fargo Advantage Municipal Bond fund. 'You have a little bit of income, a little bit of price depreciation in the marketplace,' said Fitterer. 'Longer term it looks pretty attractive on a relative value basis so we are looking for slightly positive returns by the end of the year.' The Wells Fargo Advantage Municipal Bond fund, which has a trailing twelve month yield of 2.7%, is up 6 basis points so far in 2015, according to fund-tracker Morningstar. The $3.2 billion fund has returned 5.5% on an annualized basis over the past five years, better than 89% of its Morningstar peers. While Puerto Rico’s financial problems are capturing headlines, Fitterer said the island’s troubles are not weighing on the national muni market. In fact, he said Chicago and New Jersey’s problematic paper are having more of an impact than Puerto Rico. 'A lot of people have had a chance to sell Puerto Rico,' said Fitterer. 'I think most people think it’s cheap and they buy it and then it gets cheaper. We think it’s too hard to analyze.' Fitterer said his team does not immediately run from municipalities with legacy pension issues, instead taking each bond on a case by case basis. Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Should you invest in muni bonds?
 
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Turmoil and losses in the municipal bond market has some investors wondering if they should consider dumping their holdings.
Views: 247 CNN Business
Nuveen's Miller Discusses Municipal Bonds, Strategy: Video
 
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March 26 (Bloomberg) -- John Miller, a portfolio manager at Nuveen Investments Inc., talks with Bloomberg's Matt Miller about the municipal bond market and his investment strategy. (Source: Bloomberg)
Views: 387 Bloomberg

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