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ASM Smart Consulting

Thanks for being a member of the SMART Nation! As part of the membership any consulting or coaching fees will be discounted according to your membership level. We help people live SMARTER lives and develop SMARTER skills through coaching, consulting, and speaking.  If you need help to get your finances, life, business, organization, or relationships in order, then please […]
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What Are Corporate Bonds?

A bond is a debt obligation, like an IOU. Investors who buy corporate bonds are lending money to the company issuing the bond. In return, the company makes a legal commitment to pay interest on the principal and, in most cases, to return the principal when the bond comes due, or matures. To understand bonds, it is helpful to […]
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What Is A Variable Annuity?

A variable annuity is an investment product with insurance features. It allows you to select from a menu of investment choices, typically mutual funds, within the variable annuity and, at a later date—such as retirement—allows you to receive a stream of payments over time. The value of your variable annuity will depend on how your […]
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Variable Annuities: What You Should Know

Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics – and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for […]
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What Are Savings Bonds?

Savings bonds are debt securities issued by the U.S. Department of the Treasury to help pay for the U.S. government’s borrowing needs. U.S. savings bonds are considered one of the safest investments because they are backed by the full faith and credit of the U.S. government. Starting January 1, 2012, you can no longer buy […]
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What is International Investing?

Two of the chief reasons why people invest internationally are: Diversification. International investing may help U.S. investors to spread their investment risk to companies and markets that are outside of – and different than – the U.S. economy Growth. International investing takes advantage of the potential for faster growth in markets outside the U.S., particularly in emerging […]
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What Are Annuities?

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series […]
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What Are Municipal Bonds?

Municipal bonds (or “munis” for short) are debt securities issued by states, cities, counties and other governmental entities to fund day-to-day obligations and to finance capital projects such as building schools, highways or sewer systems. By purchasing municipal bonds, you are in effect lending money to the bond issuer in exchange for a promise of […]
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What Are Bonds?

A bond is a debt security, similar to an IOU. Borrowers issue bonds to raise money from investors willing to lend them money for a certain amount of time. When you buy a bond, you are lending to the issuer, which may be a government, municipality, or corporation. In return, the issuer promises to pay […]
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What are Real Estate Investment Trusts? (REITs)

What are Real Estate Investment Trusts (REITs)? Real estate investment trusts (REITs) allow individuals to invest in large-scale, income-producing real estate. A REIT is a company that owns and typically operates income-producing real estate or related assets. These may include office buildings, shopping malls, apartments, hotels, resorts, self-storage facilities, warehouses, and mortgages or loans. Unlike other […]
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