Balancing stocks and bonds is the most crucial investment decision. The stock-to-bond ratio significantly affects the risk level and the expected returns of the portfolio. High stock ratios attract higher risks and potential returns. Financial success requires aligning investment decisions with risk tolerance and focusing on the correct stock-to-bond ratio instead of unnecessary market details. Pries Capital's Legacy Portfolio Model offers a globally diversified investment strategy for stacking investment returns and maximizing investment value.
Rebalancing, an often overlooked aspect of investment, is crucial for maintaining portfolio alignment with financial goals and risk tolerance. While it comes with costs such as trading fees and taxes, rebalancing ensures that portfolios resist drifting away from original intentions due to market flux. By optimizing cash flows, investors can use rebalancing as a cornerstone of responsible investing. The Pries Capital firm emphasizes the importance of rebalancing in achieving financial success.
The video discusses the importance of choosing the right mortgage lender before purchasing a home. It describes four types of mortgage lenders: Depository Banks, Mortgage Lenders, Correspondent Lenders, and Brokers, and offers top picks for specific situations like Jumbo loans, FHA/VA, 100% financing, and refinancing. It also introduces a YouTube playlist answering common mortgage questions.
Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship between credit scores and mortgage delinquencies. There was a definite relationship. Almost half of those borrowers with … Continue reading FICO® Scores And Your Mortgage
WHAT KIND OF LENDER IS BEST? If you ask a loan officer, “What kind of lender is best?” the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, and he works for a different kind … Continue reading Advantages of Different Lenders
MORTGAGE BANKERS Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is considered to be a mortgage banker. Some companies don’t sell directly to those major … Continue reading Types of Mortgage Lenders
In the old days, when someone wanted a home loan, they walked downtown to the neighborhood bank. If the bank had extra funds lying around and considered you a good credit risk, they would lend you the money from their own funds. It doesn’t generally work like that anymore. Most of the money for home … Continue reading Where Does The Money Come From For Mortgage Loans