Article by davidwaring

Article Info

Last Updated: 29 December 2019

David Waring was the founder of LearnBonds.com and has been a major contributor to the extensive library of investing news and information available on the site. Until the launch of Learnbonds.com in late 2011 there was no single site on the internet catering exclusively to the individual bond investor. This was true even though more individuals own stocks than bonds. Learn Bonds was launched to fill that gap.

Are Municipal Bonds Overpriced Compared to Corporate Bonds?

Author: David Waring

Last Updated: December 29, 2019

A five year corporate bond with a rating between A and AAA will yield in neighborhood of 1.80 to 2.4%. As you can see from the table below […]

SIPC Insurance Coverage – What it is and How it Works

Author: David Waring

Last Updated: February 11, 2020

SIPC or Securities Investor Protection Corporation offers insurance to customers of a brokerage firm. The insurance protects client’s against losses related to the failure (bankruptcy) of the firm or fraud by the brokerage firm or its employees (money missing from customer accounts). […]

Junk Bonds – How to Analyze, Compare, and Buy High Yield Bonds

Author: David Waring

Last Updated: March 24, 2020

Junk bonds offer investors a higher yield than “investment grade” bonds, with a higher risk of default. They are also known as non-investment grade bonds, speculative grade bonds, high yield bonds, “high opportunity bonds” or even “fallen angels”. […]

Are These Junk Bonds Worth Buying? (HCA, MTN, SWN)

Author: David Waring

Last Updated: December 30, 2019

The bonds have an average maturity of 7 years and pay and average yield of 4.94% (or put another way 3.52% more than US Treasury Bonds with a similar maturity)…. […]

What Happens When a Corporate Bond Defaults?

Author: David Waring

Last Updated: February 25, 2020

Corporate bonds have a much higher yield than treasury securities. The higher interest of course is to compensate for the default risk corporate bonds possess. […]

January’s Best Performing Index Annuities

Author: David Waring

Last Updated: June 18, 2012

A typical trigger point annuity would have provided a 5.00% gain for the last twelve months outperforming the market by almost 3% points. When the market gains over 1% in year, a trigger point is the only type of index annuity that has…. […]

Obama Proposes Cap on Municipal Bond Tax Deduction

Author: David Waring

Last Updated: August 12, 2012

To the dismay of many municipal bond market players, President Barack Obama on Monday unveiled a budget for fiscal 2013 that includes a measure that would impact the attractiveness of investing in municipal bonds. The president wants to decrease…. […]

Types of Interest Payments

Author: David Waring

Last Updated: August 12, 2012

While the definition of interest remains the same no matter how that interest is paid, in order to suite the needs of both the entity issuing a bond, and the buyer of that bond, different bonds pay out their interest payments in different ways: […]

Investing in Junk Bonds – Part 3

Author: David Waring

Last Updated: December 15, 2019

So you’ve learned when to be in the junk bond market and when to be out as well as how to evaluate individual junk bonds and have decided to take the plunge and pick out an individual junk bond or two. How does one actually do this? […]

Buying US Savings Bonds: 5 Things You Should Know

Author: David Waring

Last Updated: January 8, 2013

EE bonds provide a fixed interest rate which will remain constant through the life of the bond. I bonds are more complicated, they have a fixed component , and a variable component which changes every 6 months based on inflation. […]