The Security and Exchange Commission’s (SEC) reforms for money market funds, anticipated by many, were implemented on October 14, 2016. These changes significantly altered the perspective of investors and fund providers on money market funds as a short-term cash investment alternative. Institutional investors, in particular, faced increased risks or lower yields on their short-term funds, […]
A sukuk is an Islamic financial certificate, similar to a bond in Western finance, that complies with Islamic religious law known as Sharia. Traditional Western interest-paying bond structures are not permissible under Sharia, so issuers sell sukuk certificates to investor groups, using the proceeds to purchase assets in which the investors have a direct partial
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The Free Market Mortgage Act of 2023 aimed to prevent changes to the fee structure imposed on mortgages by Fannie Mae and Freddie Mac. Although not officially titled as such, H.R. 2876 was introduced with the intent to cancel a fee structure proposed by the Federal Housing Finance Agency (FHFA) in January 2023, set for
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If you’re considering a stock investment and read that a company uses derivatives to hedge some risk, should you be concerned or reassured? Warren Buffett is famous for his stance on derivatives. He has attacked all derivatives, saying he and his company “view them as time bombs, both for the parties that deal in them
A cash cow is a term used to describe a product, product line, or company with a significant market share in a mature industry. It is also a business, product, or asset that generates consistent cash flows after the initial investment has been paid off. A cash cow is a business or unit that, once
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When it comes to financial management, knowing how to void a check is crucial. To do so, write the word “VOID” in large, permanent letters across the front of the check using black or blue ink. This action indicates that the check cannot be used for payment, preventing unauthorized use such as by thieves who
In the U.S., winners are rewarded with trophies and parades, while losers are left to reflect on what went wrong. In 2020, Apartment Investment and Management (AIV) was removed from the S&P 500 index to make way for Tesla, Inc. (TSLA). It was expected that AIV’s management would fade into obscurity while Tesla received extensive
Self-employed individuals often encounter the challenge of tracking and paying taxes throughout the year. While self-employment offers benefits like flexible schedules, it also brings unique tax challenges. Mastering the process of making estimated tax payments is crucial for managing these challenges and maintaining compliance with tax obligations. **Key Takeaways** For self-employed individuals, estimating and remitting
Life insurance is a critical consideration for many, especially with significant life events such as marriage, the birth of a child, or taking on substantial debt like a mortgage. It provides financial protection to your loved ones in the event of your untimely death, ensuring they can manage without your income and cover any outstanding
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