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Bonds Forbes Interest rates Investing

What Are Negative-Yielding Bonds? What Happens When Yields Go Negative

In uncertain markets, investors often seek fixed income for the relative safety that bonds provide versus riskier assets like equities. But with interest rates declining since the 80s, bond yields have come under pressure, even falling below zero in some markets. Led by Japan and Europe, about 27% of the…

Kristin McKennaFebruary 22, 2021

Bonds Diversification Interest rates Investing Managing Risk

Bond Basics: How Bonds Work and the Benefits of Investing in Bonds

How do bonds work and why buy them in your investment accounts? There are several benefits of investing in bonds. Most notably, bonds provide investors with income, diversification from stocks, and stability compared to riskier asset classes. There's a lot to know about bonds, but here are the bond basics…

Kristin McKennaFebruary 8, 2021

Bonds Interest rates Investing

How Do Interest Rates Affect Bonds? Relationship Between Rates, Bond Prices and Yields

One of the most important things to know about bonds is how changes in interest rates affect bond prices, and therefore yields (unless held to maturity). The relationship between interest rates, bond prices, and bond yields is based on a few simple investing principles. Bond prices move inversely to interest…

Kristin McKennaJanuary 11, 2021

Forbes Home buying Interest rates Mortgages

Putting A Lump Sum Towards Your Mortgage Won’t Lower Your Payment

Putting extra cash towards your mortgage doesn't lower your payment If you have extra cash and are considering putting it towards paying down your mortgage early, you should be aware that it won’t automatically reduce your payment. Putting extra cash towards your mortgage doesn’t change your payment unless you ask…

Kristin McKennaSeptember 14, 2020

Debt Management Dentists Doctors Forbes Interest rates Student Loans

Low Rates Create Big Opportunity to Refinance Student Loans, Particularly for Doctors and Dentists

According to a recent NerdWallet household debt study, dentists and doctors have some of the highest student loan debt balances compared to other types of professionals. At any income level, managing a six-figure debt load can be very difficult. To further complicate the matter, many doctors and dentists already have…

Kristin McKennaApril 2, 2020

Debt Management Forbes Interest rates Mortgages Real Estate Updated for 2021

With Mortgage Rates So Low, Is Now a Good Time to Refinance?

With 30-year fixed mortgage rates currently averaging below 3%, it might make sense for homeowners to consider refinancing. Depending on several factors, such as your current interest rate and age of your existing mortgage, refinancing could mean a lower monthly payment and big savings over the life of the loan.…

Kristin McKennaMarch 26, 2020

Dentists Doctors Interest rates Student Loans

Doctors and Dentists: Should You Refinance Student Loans?

Given today's ultra-low interest rate environment, there's a unique opportunity for some professionals to refinance their student loans. Since doctors and dentists have some of the largest outstanding student loan debts, these professionals in particular may benefit from refinancing their student loans. However, refinancing isn't right for everyone. As you…

Kristin McKennaMarch 23, 2020

Cash Management Current events Debt Management Home buying Interest rates Investing Mortgages Real Estate Updated for 2021

Is Refinancing Your Mortgage Worth It? Here’s How Much You Could Save

How much can refinancing your mortgage save you? Mortgage rates are currently very low - the average 30-year mortgage is now below 3%. It might make sense for homeowners to consider refinancing. How much could you save from refinancing your mortgage? Here's how to tell if refinancing your mortgage is…

Kristin McKennaMarch 2, 2020

Interest rates