Choosing a bond mutual fund has a lot in common with choosing a good stock mutual fund.  Many of the same rules apply to both stock and bond mutual funds; however, bond funds are on the average even less complicated and easier to choose.  I’m going to assume for the purposes of this article that you’re already familiar with modern portfolio theory and the agree you should allocate at least a portion of your portfolio to bonds.
By the way, the best way to get detailed information on any mutual fund is by signing up for a free Morningstar account. You can find all the statistics mentioned below plus dozens more at Morningstar.

Attributes Of A High-Performing Bond Mutual Fund

First, I’ll highlight a few attributes good stock and bond funds tend to have in common.
  • Low Expenses – Since bonds have lower expected returns than stocks, high expenses cut even deeper into the returns of bond funds than stock funds.  It’s doubly-important to keep a lid on expenses here.
  • Index Funds Rule - Indexing works just as well with bonds as with stocks.  Better, perhaps, because of the even greater importance of low expenses in the bond world.  Just like their stock counterparts, most actively-managed bond mutual funds fail to beat their relevant index.
  • Diversified – It goes without saying that good bond funds are usually broadly diversified, owning hundreds if not thousands of bonds across multiple durations and market segments.

Bond-Specific Attributes

  • Average Duration – Duration is a measure of a bond fund’s sensitivity to changes in interest rates.  The lower the duration, the less volatile the fund will likely be.  An average duration of 4 means that particular fund’s Net Asset Value (NAV) would be expected to drop 4% for every 1% rise in interest rates (and vice versa).  As a point of reference, Vanguard’s Total Bond Market Index Fund (VBMFX) has an average duration of 4.3 years, meaning it will fluctuate 4.3% for every 1% change in interest rates.
  • Yield To Maturity – The yield to maturity is simply the current interest rate a bond fund is paying.  Assuming interest rates remain steady, yield to maturity is also the expected annual return of the portfolio.
  • Average Maturity – All else being equal, the nearer a bond’s maturity the lower its interest rate and the less volatile it will be.  Of particular importance is the fact that long-term bonds (10 years or more) tend to be very vulnerable to inflation and usually suffer poor returns during inflationary periods.
  • Credit Quality – All else equal, higher-quality investment grade bonds tend to pay slightly lower interest rates than lower-rated junk bonds, but also tend to have a much lower default rate.  Junk bonds, on the other hand, tend to pay higher interest rates to compensate for the higher risk of default.  There are no guarantees going forward, but historically junk bonds have not yielded high enough returns to compensate investors for the additional risk they’ve had to take on to own them.

The Bond Style Box

Looking up a fund’s bond style box on Morningstaris a quick and dirty way to make a quick assessment of all the above factors.  The style box is simply a 9×9 grid comparing maturity and credit quality.  The box on the grid a bond mutual fund belongs to will explain 95% of its future performance characteristics. Here’s an example of the bond style box you would see for a long-term corporate bond fund.
Avg. Weighted Maturity
Short Med Long

Treasury/
Agency		 Quality
Inv.-Grade
Corp
Below
Inv.-Grade
The above style box tells you everything you need to know about the fund in question at a glance.  As you can see, it is characterized by a long maturity and medium credit quality.  Its yield to maturity and average duration are likely to closely mimic other bond mutual funds belonging to the same style box.
One more example, this time that of a short-term treasury bond fund.
Avg. Weighted Maturity
Short Med Long

Treasury/
Agency		 Quality
Inv.-Grade
Corp
Below
Inv.-Grade
The above fund, having a short maturity and very high credit quality, likely has a yield to maturity on the low end of the spectrum; however, it is also probably a good bit less volatile than funds in any other the other 8 style boxes.  Again, visiting Morningstar is the quickest and easiest way to find a bond fund’s style box.
Armed with the basic facts above, you’re well on your way to choosing your first bond fund.  Now it’s simply a matter of deciding exactly how much volatility you are willing to tolerate and how high a yield you’re going to require as compensation.
For a much more in-depth look at what bonds are an exactly how they work, I recommend The Bond Book: Everything Investors Need to Know About Treasuries, Municipals, GNMAs, Corporates, Zeros, Bond Funds, Money Market Funds, and More byAnnette Thau.



Most of you have probably seen those annoying commercials for freecreditreport.com.  What they don’t tell you is that your credit reports aren’t actually free:  you have to agree to enroll in a 7-day trial of their Triple Advantage Credit Monitoring Service, which is reportedly very difficult to cancel after you get your free report.  How convenient for them.
So many people have complained about this site that the Federal Trade Commission has taken it upon itself to create a series of hilarious parody commercials to get the word out that sites like freecreditreport.com are essentially scams.  It’s not quite as catchy as the original, but I was amused by the bluntness of its accusations. Check it out:



Annualcreditreport.com Is The Only Site To Get Your Free Annual Credit Report

If the video or title didn’t make it clear enough, annualcreditreport.com is the site set up by mandate of the federal government and run jointly by the three major credit reporting agencies.  As a consumer, you are eligible for a  free annual credit report from each of the three major credit-reporting bureaus through that site.  Any other advertisement you see for free credit reports is either a scam or requires you to sign up for some sort of trial, which you’ll probably forget to cancel.  But why even bother?  Annualcreditreport.com is free, overseen by the government, doesn’t require a membership, and will never charge you for anything.

The Annualcreditreport.com Process

Annualcreditreport.com provides you with exactly what you would expect:  a free annual credit report from Equifax, Transunion, and Experian.  You’ll be asked to verify your identity by entering your name, address, social security number, and date of birth.  While I can’t be entirely sure what they do with this personally identifying information, I can tell you I have never received any sort of spam or junk mail from the site.
Once you’re logged on, you will be asked to choose which bureau you’d like to view your annual credit report for and forwarded to their website.  You will likely be asked to answer a few questions based on the contents of your credit report that only you, the owner of those accounts, would know the answers to.  They are normally easy questions such as “what is the name of the financial institution that owns your mortgage” or “which of the following companies do you have a credit card through.”
Finally, you’ll be presented with the basic facts of your credit report, including delinquencies, late payments, negative items, employer information (there are always wrong on my reports, btw), current and former addresses, and a number of other important entries.  Pay close attention to make sure all the information is correct, especially that there are no false negative remarks.  If everything looks good, congratulations, you’re done.  If you notice a mistake, you’ll probably want to file a credit report dispute as soon as possible.

What Does Annualcreditreport.com Not Provide?

Unfortunately, the legislation only grants you access to the free annual credit report itself and not your actual credit score, which is what lenders actually look at.  If you aren’t in the market for a loan, checking each report once a year for errors is more than enough to monitor your credit and allow you to get suspicious items removed; however, if you’re in the market for a loan in the near future, say for a mortgage or auto loan, it would be wise to check your actual score. Two reputable places on the web to purchase your credit score are myFico.com, the official website set up by Fair Issac (and the company behind the Fico score), and Equifax. You can buy an Equifax report + Fico score for around $15 from Equifax, which I think is a decent price. Alternatively, if you want to see your exact score for each of the three credit reporting bureaus, you can check out their 3 Bureau Credit Report and Score product, which might be worth it if you’re in the market for a loan.



If you have 4 or 5 high interest credit cards, you may be paying hundreds of dollars in interest charges every month. Consolidating your debt is a good way to get control of your finances and eventually pay off all of your debts. Just what is the best way to consolidate credit card debt?

Consolidation Debt Loans

A consolidation debt loan is a loan that is used to pay off some or all of your credit cards. Simply pay off your outstanding credit card balances and then focus on repaying the consolidation loan. If you are able to take out a personal loan at a lower interest rate than that of your credit cards, this type of loan makes sense.

Personal Loan

A personal loan is one type of unsecured loan that can be used to consolidate credit card debt. As long as you have good credit and a job or steady source of income, you can probably qualify for a personal loan. No collateral is required and terms are generally more favorable than that of credit cards.

Home Equity Loan

Another painless way to consolidate debt on your credit cards is to take out a home equity line of credit. If you have equity in your house, this type of loan comes with a low interest rate. If you are not in dire financial straights, but just want to get rid of the high interest you are being charged every month, a consolidation loan, either personal or collateralized, is something to consider seriously



Low Interest Rate Credit Card

Sometimes you have one credit card that has a very good interest rate. You can lower the effective rate you pay on all of your cards by transferring balances from high interest rate to low interest rate cards.

Special Offers

Occasionally a credit card issuer will offer you a free balance transfer and no interest for 6 months when you sign up for a new card. As long as the other terms of the card are reasonable, it makes sense to get the card, transfer high interest balances and pay the balance off on the new card.

Pay High Interest Rate Cards First

You should pay off the highest interest rates cards first. Try to cut back on spending and pay as much as you can toward the debt. Once you get started, it will become easier to continue. You might even get a second job so you can pay down the debt even faster. There’s another school of though, called the debt snowball, that states you should pay off your smallest debt first regardless of interest rates. While you will end up paying more in total interest using this method, there may be a psychological advantage involved.

A Word of Caution

There is one word of caution to consider. Using a secured asset (your home) to pay off an unsecured debt (credit cards) can be the wrong decision if you are in such a poor financial position that you may very well file bankruptcy in the near future. If you do take out the loan, make sure you use it to pay off the credit cards and not for something frivolous like a Vegas vacation.
Many people get in trouble taking out consolidation loans, paying off the debt and then running the debt right back up. They effectively are put in a worse position because they now owe on their credit cards and they owe on the consolidation loan.



An index fund is a collection of stocks from various companies. These stocks track investment indexes such as bond index, commodity index, and stock index. There are numerous stock indexes to choose from, ranging from tech stocks to oil stocks. They are ideal for long term investors because the stock market tends to trend upwards over time. Since index funds track the stock market (or a specific portion of the stock market, as the case may be), their value should increase over time right along with the market.
Historically, stocks have been the most lucrative investment over the long term, so you are unlikely to lose any money while investing in index funds if you plan to own them for 15-20 years or more.  Like most investments, however, they can be very volatile over short periods of time. If used properly (i.e. bought and held for the long run), index funds can make asset allocation much easier since there is no style drift. With index funds, the most important statistic is the mutual fund expense ratio, since  lower expenses equal higher returns with index funds.  You should also consider the minimum investment per fund and how many to select. Low cost index funds can be determined by a number of factors such as expense ratio, load and commission.

What Makes A Low Cost Index Fund?

Expense Ratio – Each fund will need to have people who will maintain the paperwork and perform the actual selling and buying of stocks. This means there will always be a fee which the fund company will charge in order to maintain your fund. Usually any rate under 1% is considered low cost, but you should also compare it to other funds on the same index.
No Load – Certain funds may require a back end or front end load, essentially a fee for selling or buying the fund. If there is a load or any other additional cost, it is usually not considered a low costing fund.
Not Transaction Commission – Always look at how you can sell and purchase these funds. If a fund is low costing, but has a high commission rate, it will not be classified as low costing. One good option is investing in Vanguard funds because they have very low expense ratios and some funds can be bought with no commissions.
Even a low cost index fund can still require high minimum investments, which can make it difficult to get started with funds investing. However, you can find online investment accounts that can be set up for a small fee. Other brokerages like Vanguard also have lower limits so you do not have to overextend yourself financially.



When it comes to investing, it’s true what they say:  slow and steady wins the race.  If this describes your investment strategy, automatic investing plans may be right up your alley.  An automatic investing plan lets you buy mutual funds, stocks, and exchange traded funds (ETFs) according to a set schedule and dollar amount and not based on the hunch that a certain stock is going to outperform the others on a certain date (a process also known as Dollar Cost Averaging).  Automatic investing takes the emotion out of the process of trading stocks and replaces it with a consistent, long term strategy to building wealth.

Frequency Of Investments

First, determine how frequently you want to invest: weekly, biweekly, or monthly.  Not all companies that allow automatic investing will have every option for scheduling, but Sharebuilder.com (offered through ING Direct – open an ING Direct High Yield Savings Account) allows you to create an investment schedule based on the frequency you choose.  Note:  I actually prefer Tradeking to Sharebuilder, but either will suffice.
If you set up automatic investment plans with individual mutual fund companies, you may be required to invest on a monthly basis with a minimum dollar amount of $100.  Do your research before signing up, and choose a plan that allows you to invest the dollar amount you are comfortable investing, at the frequency you desire.



How Much To Invest

Next, decide how much you want to invest according to your schedule.  In general, you should invest as much as your monthly cash flow consistently allows.  Note that most mutual fund companies require a minimum investment per month.

Connect Your Investment Account

Once you’ve made your investing decisions, you need to connect the investment account you select (like Sharebuilder, Tradeking, or Vanguard for instance) with your bank account so they can fund your investments.  You can use a checking or savings account, and most companies will fund your investments through your bank account at no additional charge.

Select Your Investments

You choose which mutual funds, stocks or ETFs you want to invest in and how much of your automatic investment to allocate to each fund.  You can change them whenever you want.

Keep an Eye on It – But Not too Close!

Once you’ve got your automatic investment plan set up, you don’t need to watch it like a hawk daily.  All investment values will fluctuate from day to day and you’re in it for the long-haul rather than trying to time your trades based on the fluctuations of the market.  A few times each year, take a look at the portfolio value and adjust your automatic investment plan based on how the funds are performing.
Automatic investment plans make it possible for everyone to get started investing – even if you don’t have time or desire to follow the daily changes in the market.  It’s a long term investment plan to building wealth.  You can reduce your risk by setting up your investments as part of a diversified portfolio, and make changes based on the performance of your investments.




The largest purchase many families will make during their lifetime is the purchase of a home and to refinance it when the interest rates drop. Home loans are secured which means they are secured by the title to your home. By being an informed consumer, you can actually save money over the life of your loan.
There are two types of loans, secured and unsecured. Credit cards are unsecured, meaning the banks will give you a small line of credit based on your promise to pay it back. Home loans on the other hand are secured by the title to your home.
Seems like these days, options for refinancing and securing home loans are endless. Looking at loan rates from multiple banks and mortgage companies there are different amounts that the loan could end up costing. Even though the payment my be lower from one loan company or bank, the points and closing fees one pays up front can vary greatly from loan to loan. Another company may offer higher payments with lower points. This could well end up saving you many thousands of dollars over the life of the loan.


Shopping for loans to refinance your home, can often be a confusing and challenging. That's why it is so important to use a secured loan calculator when you need to decipher between different types of loans and save money when purchasing a loan.

The Golden Rules of Home Refinance

  • How long do you plan of keeping the home?
  • Pay the lowest upfront points and loan fees
  • Look for the lowest interest rate
  • Avoid pre-payment penalties
  • Great FICO Score = Lower loan costs
When refinancing your home, plan on living in your home for three to five years. It takes at least this many years to pay for the upfront financing fees and points. Even if these lower interest rates and payments seem attractive, one may still be better off by keeping a current loan if they plan on selling their home soon.
Points and loan fees are what banks charge for servicing their loan. Banks and loan institutions charge different rates that's why it is important to comparison shop as many lending institutions as possible. Often banks will post this information directly on their websites.
When banks once again start to compete for your money, it may be possible to find no points no fee loans. Currently banks are holding tight to their money and these type of deals are are not found much these days.
Let's assume one bank offers no points or loan fees, the next thing to consider when shopping for a home loan is the interest rates. These will vary by the length of the loan, typically 15 and 30 year loans are the norm and this will determine monthly payments. In some cases it may actually be better to get a 30 year loan to keep payments lower. This is not necessarily the best deal since a home will cost much more to pay off over 30 years than if it were paid off sooner. The shorter the length of the loan, the less the interest rates will usually be.
Pre-Payment penalties are what banks charge if a loan is paid too soon. For example, if you were to get a better job and wanted to pay loan loan off to save on the interest and your loan had a pre-payment penalty claus, you would be charged extra to pay off the loan. Look for loans that do not have a prepayment claus.
The final step in finding the best loan to refinance a home is to have an excellent credit score. Banks determine your credit worthiness by looking at your FICO score. There are many places online that will give you your FICO score for Free. To get the lowest interest rates, your FICO score will need to be in the mid 700s or higher.




When it comes to purchasing a car, there is one main question that you should ask yourself. How I am going to be able to finance it, this should be thought of before you even begin to consider the type of car you want. Usually car loans are arranged after we have chosen the vehicle. Car finance calculators will be helpful when you are trying to figure out what your car payments are going to be.

The first thing and the most important thing that you will want to take into effect is the Interest rate. Since credit facilities have different interest rates the amount of interest that you pay may vary greatly you will want to look around to find what suits you and to minimize costs of periodical payments on the loan. In order to do this you will need to Compare loan offers from banks, credit unions and car financing arms if you are able to get a loan with a 2% rate see if your financial institution can do better. You will also want to check about any fees and charges that you will be charged, and also if you can get any breaks on the fees if you pay the loan out early.

Secured on Unsecured Loans - Which to Chose?



When you arrange the loan with a loan calculator it will give you the option of choosing a secured or a personal unsecured loan. There are advantages and disadvantages to both of these. With a secured loan you will be able to get a cheaper interest rate, but you still have to repay the loan is you decide to sell it in the future, and most of these types of loans require you to carry full coverage insurance along with comprehensive and you may also have to carry gap insurance.

The disadvantage of a personal loan is that it you will usually have to pay higher interest rates on it.

Other Considerations When Using a Secured Loan Calculator


If you wish to have any extra items considered on your financing loan, such as comprehensive and gap insurance keep in mind that if you decide to have the insurance tied into the financing loan that you will also have to pay taxes on it and it will have to paid off when the automobile is paid for, any amount of loan balance still due on your car when you are ready to trade it in, warranties for motor vehicle mechanical breakdown, and any additional car accessories. When filling out the finance application you may be able to have these considered and it may be possible to have them calculated into the payments. Although anything that you add to the financing application would have to be approved by the financing company.

While it may be possible to get a car loan on an older car, if you use the wrong financing company you may be penalized for it, usually most financing companies will only insure cars that are less than 7 years old. If the car is older than 7 years you may not even be able to get a loan or you may have less time to make payments on it. Any new car is financed largely on the amount of the interest rate and also the amount borrowed, and by using a loan calculator you will be able to determine if you are going to be able to make the monthly payments.

By accessing the web not only will you be able to save money on the car, but you will also have the added benefit of knowing what you will have to repay before you even go to a dealership, a bank or anyone else that may be able to finance a car. if you have ever used a calculator before then you know in order for it to work you must put information into it, this is the same method used for a loan calculator.

There are other reasons to use a loan calculator other than for figuring out what the monthly repayment will be, one of these include, being able to get a deferred payment plan, what this will mean to you is that instead of making the first payment the first month after you get the loan, you will be able to start payments in the second month. I have had this happen to me and it is more helpful then what most people think that it is.

You may also be able to balloon the payment, so instead of paying it off while you own it you can save the money to pay for it at the end of the financing period, the disadvantage to this though is it can cause your interest rates to increase.

You will also be able to structure payments around your other bills, thus allowing you the chance to make sure that you will be able to make the payments on it.



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Gold price in Today
Gold price in Today
This Post talk about Gold Price in Today in New Zealand . The average gold price in New Zealand  today in New Zealand dollar (NZD), last update in Tuesday, 9 August 2011 12:00 GMT Wellington City.
Gold prices in today in New Zealand daily report on the gold price in New Zealand today in New Zealand dollar (NZD). Offers you the following report today gold price in New Zealand dollar (NZD) in New Zealand  the following units of ounces, pounds, gold, kilograms, grams of gold 24 carat, 21 carat gram of gold, 18 carat gold grams and grams of gold 14 gauge
Gold prices in today in New Zealand is updated once every 30 minutes, depending on the price of gold from the New York Stock Exchange NYSPOT.
Gold prices in New Zealand  today in New Zealand dollar (NZD).
Gold price in Today in New Zealand 10 August 2011
Gold prices in New Zealand today grams in New Zealand dollar (NZD):
Price of one gram of gold in New Zealand today in New Zealand dollar (NZD), last update of prices in the Tuesday, 3 July  2011 12:00 local time for Wellington City
Caliber
Current price
The previous price
Change
August 9, 2011
August 8, 2011
4.24 %
24-g
66.60
63.89
22-g
61.04
58.56
Gram 21-carat
58.26
55.89
18-g
49.93
47.90
Gram 14 gauge
38.86
37.28
Gold prices in today in New Zealand , in grams, last updated on Tuesday, 9 August 2011  12:00 local time for Wellington City. Gold price in Today.
We hope in our site we provide you with the information you need and search for it about Gold Price in Today in Wellington city , gold today prices , gold rates current , web of gold , gold rates in world , gold price in today.



If you have been wondering how to get your structured settlement money in a lump sum, you should know there are both advantages and disadvantages for doing so. The fortune of having this kind of windfall lies in knowing that a guaranteed annuity helps you to be financially secure for the rest of your life. Getting a recurring payment installment changes the outlook of your future for the better.
What if you could get your structured settlement payments all at one time, though, there are pros and cons to receiving your money in a single disbursement. Knowing what both scenarios entail could help you decide whether it is better to receive a monthly check or a single lump sum payment.
The obvious immediate gain with a lump sum is that you have access to your money without delay. Rather than waiting for a longer period of time and saving money to make a large purchase or large investment (in a new business or other capital venture, for example), you can pay larger sums of money up front. This seems a better option for those who are elders, have serious health challenges that prevent consistent employment patterns or have the burden of overwhelming financial obligations. Imagine getting rid of high-interest debt right away.


Another advantage is that you insulate yourself somewhat against inflation. Over time, money depreciates because of progressive increases in prices and the cost of living. There is more value for your money if you can act now on investments, property and purchases now instead of later.
The drawback for receiving a one-time payment is the tax disadvantage. The structured settlement payment is not taxed, but the moment you shift that money to a one-time payment, you must pay taxes on that income. This sobering reality reduces the actual amount of your funds.
Cashing out with – or selling your annuity to – a reputable company will also reduce the amount of money you will receive. Remember that these companies are in business to make a profit and will make you an offer for less than the full amount you are owed. In exchange for the company advancing you a cash amount up front, you will have to:
  1. Sign over the rights to your pay installations
  2. Agree to share part of the payment with the company
  3. Get an advance on part of your award and resume installments on the remainder.
Make sure the company that buys your settlement is licensed, insured and bonded. This ensures you can still receive your cash if the company goes out of business. Also, do some research and make sure the company has solid relationships with insurance companies, the legal system and previous clients. The company you choose should keep an honest focus on its bottom line while making sure there are no obstacles to you getting your cash.

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