Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!
The Ultimate Guide to
Facts About Keto Diet
The popularity of keto diet around the world is significantly increasing. If you want to learn more about the particular diet, then you are reading the right article.
Now, let us first know what keto diet is.
A lot of people has been talking about their successes with keto diet, but you may not have a clear idea on the particular diet yet. This diet involves consuming enough protein, low carbohydrates and high fat. This kind of diet allows the glycogen stores to deplete and ketones production starts to begin. There are many who find weight loss easier with keto diet compared to the other approaches.
There are many benefits that keto eating can offer you.
To help you better understand why this is so popular today, below are the different advantages that you can get from it.
– Once you start the keto diet, you will notice that you have an improved condition and better mentality. People have proven that the less they consume carbohydrates, the better their mentality is. This is due to the fact that people don’t experience spikes and crashes anymore.
– Inflammation will less likely to happen with keto diet. This can greatly benefit those people who are having problems with severe inflammation. People who have rheumatoid arthritis, for example, feels better after decreasing their intake of carbohydrates.
– One way to feel satiated is when you reduce your carbohydrates intake. When this happens, then you don’t easily feel cravings for food. Then, you will stick with your diet.
– The last thing is that your cholesterol level will be improved. Studies have shown that following keto diet help lower down the LDL cholesterol level.
These are the different benefits that you can enjoy with keto diet. People commonly thought that eating much fat can harm the body. That is why these benefits uncovered right now has sure surprised many. The truth is, the blood cholesterol levels are not affected with keto diet.
So how are you going to start with your keto diet?
First, you have to carefully determine what are the foods that you are going to eat. In this way, you will have little changes with your diet. The next thing for you to do is to less your carbohydrate intake. If you are not patient, then you will sure experience the keto flu that comes with fatigue, headaches and nausea. Next, increase your fat and protein intake. Take down note of the results of your diet. Lastly, you need to plan your meals.