Publications

  •       A quick overview of lending process and the meanings of bankruptcy, default and insolvency There’s been a lot of talk about bankruptcy, insolvency, and default in the news recently.  One might initially be inclined to think that these three words are synonyms.  However, this is not the case.  Each is a part of a larger debt repayment process. Whenever a company or an individual, borrows money from a reputable lender, there is usually a lot of paperwork.  This paperwork, which...
    Post date: 09/01/2010 - 8:00pm
    Category: White Papers
  •     A guide to everything you ever wanted to know about ETFs but were afraid to ask What Is An ETF? An ETF (acronym for Exchange Traded Fund), is an investment tool composed of a “basket” of securities used to track an index, sector, or commodity. When explaining an ETF it is useful to discuss its similarities and differences with mutual funds. ETFs are similar to index mutual funds because they enable an investor to purchase a small slice of a much larger investment pie. ETFs are composed of...
    Post date: 08/31/2010 - 8:00pm
    Category: White Papers
  • What are the differences between Investment Advisors, Brokers, and Mutual Fund Managers? MANAGERS VS. BROKERS   What is a “Registered Investment Advisor” (RIA) and how do they differ from brokers (also called “Registered Representatives,” “Account Executives,” “Financial Advisors” or “Wealth Managers”)?   A Registered Investment Advisor (RIA) is subject to the Investment Advisers Act of 1940 and is a fiduciary.  A fiduciary is someone that manages money for the benefit of another, often...
    Post date: 08/31/2010 - 8:00pm
    Category: White Papers
  •   An explanation of call options and a brief introduction to the covered call strategy Clients sometimes as us about call options, a type of security we do not currently use.  Since it is important to thoroughly understand a strategy and asset class before investing, we present a brief and simple introduction to calls, with an emphasis on covered calls. A call option is a special kind of security that grants the owner the right to buy a security on (or up to) a certain expiration date at a...
    Post date: 08/25/2010 - 8:00pm
    Category: White Papers
  • With the announcement on Friday the 27th of August of the downward revision in GDP to 1.6% for the second quarter 2010 the talk of a double dip recession increased among economists and members of the financial press.  Even some of the most bullish economists were putting the odds at 25% or more.   A recession is commonly held to be two consecutive quarters of negative economic growth.  A double dip recession is a recession followed by positive economic growth followed by another period of...
    Post date: 07/18/2010 - 8:00pm
    Category: Our Perspective

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