Juan Said:

What else is there to gain money other then saving bonds and cds?

We Answered:

Absolutely there is and it can be done safely and securely. You need to educate yourelf to get to that level.

The next question, what do you invest in? There are 2 paths and I would suggest both:
1. Own a Business(es) (by far the most profitable and the fastest way to double your money)
2. Investing (this is a longer strategy, but also very profitable)

Here are the key points for investing are:
1. You make your money when you buy i.e. you know exactrly how much you are going to make the moment you buy the asset.
2. Every exit must be covered i.e. remove unknowns. Irrespective where the investment goes you will always know how much money you will make. Most second or third exits are covered by insurance or bonds.
3. Use other people's money (and I am not talking about scamming or stealing). Learn how to create value and leave money on the table for everyone. Borrowing is another method, but it is limited to what the bank is willing to lend to you or your entities.
4. Invest in only things you understand.

The same principles apply to business:
1. First line up the customers then provide the product/service (most people do it the other way and wonder why they fail)
2. Make sure you are not part of the equation in generating revenue. If you are the primary reason for making the business profitable it will a] Be time consuming b] Limited in growth
3. Only work on businesses that you understand and are passionate about. The excitement of money is short lived. Passion is what creates success and innovation.

With so many things to invest in and without a clear scope it is hard to recommend, however what is clear:
1. Do not invest in retail products i.e. stocks, bonds, retail houses [appreciatio] etc. Everyone else makes money irrespective whether you do.
2. Avoid anything that makes money on the sell, unless the selling price is locked in upfront. (which makes it then suitable for the rules above)

How to get there? Spend 30 minutes EVERY day learning about investing/business. I believe the two go hand in hand.

Learn about the true rich. The true rich do not waste their money on liabilities so as to try to prove to the world they are rich. They have clearly defined what is important in their lives and live by those principles. Read the book "The millionaire next door" and see what type of lives the top 1% of Americans lead...you will suprised.

Find a mentor. The TRUE rich will gladly teach you the ropes FREE. Most people think that the people with the fancy toys are the rich. They have nothing to teach except that they happen to have landed a great paying job.

The richer you become the less inclined you will be to spend your money on things that are designed to show others how "successful" you are.

Give back and help others who ask.

You are asking the right questions. Keep asking and you will get there.

Good luck.

Beatrice Said:

In an attempt to raise revenue, government bonds called _ were issued against the sale of church properties?

We Answered:

assignats, one of the first try to have bonds, money not relying on a silver or gold system

Phyllis Said:

Is there a difference between 'revenue' bonds & 'municipal' bonds?

We Answered:

A revenue bond is a type of municipal bond. Its paid for by revenue on the project like a toll road.

Marion Said:

What is the best bond to buy and how I can buy those bonds?

We Answered:

I think treasury bonds are still taxed, you are probably thinking about municipals. You can get a higher return for a little bit more risk by buying company bonds, just make sure the companies are rated high by Standard & Poor (S&P) and Moody ratings. Also make sure the company doesn't already have a large debt/equity ratio. I think under a certain BB or B rating by S&P they are classified as junk bonds(kinda risky). AAA bonds are kinda safe. Treasury is the safest. Also if you do go into municipals read up on the difference in revenue and general obligation municipal bonds.

Scott Said:

How exactly to Industrial Revenue Bonds work in terms of obtaining financing?

We Answered:

Most states and many larger city and county governments operate economic development finance authorities. They're the ones to talk to. Often, these government agencies issue bonds to finance loans to businesses. If your business meets certain qualifications, you may be able to obtain cheaper financing through a state or local authority than directly from a bank. Economic development authorities also offer other kinds of programs to help businesses get financing like credit guarantee programs to reduce the risk banks face when they lend to businesses. Keep in mind, though, that state and local authorities usually don't deal with start-up companies. You generally have to have a good business track record before you can qualify for the financing and other programs they offer.

Naomi Said:

Why is it that municipal bonds are not taxed at the federal level, but are taxable across state lines?

We Answered:

Federal tax law--the Internal Revenue Code of 1986--determines what income is taxable as federal income. IRC sections 103 and 141-150 (as well as a few others) specify which municipal bonds are exempt from federal income tax. See the link below to access the tax code online.

Each individual state determines which bonds are tax-exempt under that state's income tax. Most, but not all, states tax interest on municipal bonds issued in other states but not in their own state. The second link below is to a page that has basic information for each state's treatment of its own bonds and bonds from other states.

As for the state tax exemption of interest received on federal bonds, this is generally covered under the idea of "recirpocal immunity," or the idea that the federal government does not tax state and local bonds and the states do not tax federal bonds. This idea is based on the tenth amendment to the constitution as interpreted by the courts.

Manuel Said:

Who finances mortgage revenue bonds; i.e. is it ultimately the taxpayers?

We Answered:

No. the taxpayers have nothing to do with it.

the mortgage holders finance the revenue bonds. the are the basis for the bonds worth in the first place.

an underwriter collects a set of mortgages with similar characteristics. (people with good scores, similar mortgage types and amounts).
then writes a bond that he will sell (essentially taking some of the profit off the top of the mortgage interest rate) and hedging it with the bond.

He pays off the bond holders dividends with the money taken from the rate slice.

This way the risk of loaning money in mortages is reduced by the income from selling bonds. its a more stable form of capital.

Not every thing with risk is guaranteed by taxpayers. only municipal, state and federal bonds are.

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