Articles written by Calvin Ng.

What is Helium

About me - Calvin Ng.

Work and help people get a healthier financial life,a kind of family man living next door,work,pay tax and enjoy things life brings,like caring goldfish and parakeets.

Email: calvinNg@companionAdviser.com

+ more bio information

RSS Feed

Personal Finance > Bonds Investing: Municipal Bonds: 1 of 7
Heard of triple tax exempt and want to rush to getting some munis?Not so fast!Munis low yield may badly hurt performance of many popular types of accounts and individual investments.So what are they?Who might get benefit from them? Munis or municipal bonds are debts issued by State,local governments,territories,and state or l... More..
Personal Finance > Investing (Other) How to put your money to work: 2 of 7
Looking for sources of steady income with little effort and risk ? This article is all about it.The most popular way is putting your money in a saving account , CD or even a bond or bond fund and maybe you know it already so it won't be told here but there are a few more ways other than those. Candy Machine chain (or snack an... More..
Personal Finance > Investing Basics Ordinary income vs. capital gains: 2 of 6
In January next year some people may get stunned when they receive the tax report for their investment account which has exposure to the mortgage industry: portfolio shows a loss but tax must still be paid for realized interest income.The reason for that is because IRS treats incomes differently. The Internal Revenue Code cla... More..
Personal Finance > Bonds An overview of bond types: 1 of 3
Definition: A Bond is a contracted debt that obligates the borrower to pay periodical interest (except zero coupon bond) and to repay principal at maturity to lender. The borrower is the issuer of the bond,the lender is the bondholder. The bond is always issued with stated par value,interest rate,and the maturity. If the pri... More..
Personal Finance > Bonds The ABCs of bonds: 4 of 6
Bonds are contracted debts that obligate issuers to pay periodical interest and repay the principal at maturity. Every bond when issued must state par(face value),interest rate,and maturity. Bond issuance is announced publicly together with its Prospectus or Official Notice which is like a contract spelling out everything abo... More..
Personal Finance > Bonds Overview: Corporate bonds: 2 of 3
There are two main sectors in the economy: public and private sectors.The private sector consists of profit and non-profit businesses.The non-profit is just a very minor compare to the profit part of the private sector and rarely issuing bonds to finance its operation.Therefore,this article will mainly focus on bonds issued b... More..
Personal Finance > Mortgages & Home Loans Seller financing in home buying: 5 of 7
If you decide to buy a house with seller financing, there are a few things you should check to maximize your advantage and minimize risks: 1.Why the owner offer this feature: will the house be a foreclosure ?Is the owner in a divorce process?Are they(owners)in a financial distress?etc.You need to know these because they will ... More..
Personal Finance > Bonds Junk bonds explained: 10 of 11
Junk bonds or speculative bonds are common term used for bonds that are rated below investment grade by the three major investment rating companies: Standard & Poor's,Moody's,and Fitch. Each company employs its own methods and rating labels for bonds issued in the market.For example,Standard & Poor's rates bonds,from highest ... More..
Personal Finance > Bonds Understanding convertible bonds: 3 of 3
Convertible bonds are just junk bonds that give the holders the option of exchanging the bonds for stocks at a given conversion price per share based on par. Companies usually add the conversion feature to their junk bonds to juice up the offer but lower the bond yield to save in interest payments and to avoid diluting earnin... More..
Personal Finance > Bonds The ABCs of US treasury bonds: 2 of 2
The U.S. Government is the largest borrower in the world; its debt load is well over seven trillion dollars and this number keeps getting higher due to deficit trend rising in recent years. The Government has to borrow to finance the difference between the incoming of tax and the spending on cost of running the government and... More..