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Let us break this down 1. You give some money to invest in municipal bonds 2. This money is invested in local government projects 3. Like the train system in Santa Monica 4. Some time passes 5. You receive yield payments back from your bond 6. You don’t have to pay taxes on your yield 7. #moneyface 8. This all equals a municipal bonds Now let us piece this together; first you give some money to invest...

I have had a lot of friends who have asked me, hey what is a better savings account XXX or YYY for returns and I give them the same meme face of “Are you serious?” and then I respond with hey if you want to collect pennies on the dollar then by all means put your money in a savings account. It is important to have a savings account as the place to store away nuts in case of emergency, just like a squirrel...

Let us break this down 1. You decided to invest some money in a bond 2. You get a “certificate” claiming you have a bond 3. This bond “yields” fixed interest rate of 7% every year #bondgoals 4. You receive money from the bond every year 5. The bond has a maturity rate of 10 years 6. At the end of the 10 years the bond reaches maturity Now let us piece this together, you decided to invest some money...

Sadly, Bonds are not as cool as James Bond movies, and do not feature any fancy cars, explosions or gorgeous women. But as boring as bonds may seem, they are a backbone for safer investments and can be just as cool as James Bond for your wallet. Side Note: We will be featuring a few articles on bonds; this one will lay out the basics. Side Note: Bonds work on something called par value, which gives...

If you are like us at Orca, you probably binge watch a lot of Netflix, from House of Cards to Friends, there is pretty much always something binge worthy to watch on Netflix. So when you read the headlines “Netflix has over 3 billion in debt” or “Netflix has a 800 million debt offering” how is this possible for a company that we are all obsessed with and seems like it is doing well to be taking on...