From
investingbagholder.com
Email Address
oliver.poole@email.investingbagholder.com
Sent On
Thu, Jan 12, 2023 12:09 PM
Email Preheader Text
The #1 threat to America in ‘23... Editors Note: At Investing Bag Holder, we are serious about
HTML
The #1 threat to America in â23... [Logo]( Editors Note: At Investing Bag Holder, we are serious about being your âeyes and earsâ for special opportunities for you to take advantage of. The message below from one of our partners is one we think you should take a close look at. Â Because debt is long term, the lender is exposed to interest rate risk, or the risk that interest rates will fluctuate over the maturity of the loan. A loan is issued at the current interest rate, which is âthe going rateâ or current equilibrium market price for liquidity. If the interest rate on the loan is fixed, then that is the lenderâs compensation for the opportunity cost or time value of money over the maturity of the loan. If interest rates increase before the loan matures, lenders suffer an opportunity cost because they miss out on the extra earnings that their cash could have earned had it not been tied up in a fixed-rate loan. If interest rates fall, borrowers will try to refinance or borrow at lower rates to pay off this now higher-rate loan. Then the lender will have its liquidity back, but it can only be re-lent at a newer, lower price and create earnings at this new, lower rate. So the lender suffers the opportunity cost of the interest that could have been earned. Why should you, the borrower, care? Because lenders will have you cover their costs and create a loan structured to protect them from these sorts of risks. Understanding their risks (looking at the loan agreement from their point of view) helps you to understand your debt choices and to use them to your advantage.
What do you want? What do you want it to do for you? What do you want to gain by having it or using it or wearing it or eating it or playing with it orâ¦? You buy things hoping to solve a need in your life. The more specifically you can define that need, the more accurately you can identify something to fill it. If your purchase is inappropriate for your need, you will not be happy with it, no matter how good it is. And because your budget is limited, you want to minimize your opportunity cost and buyerâs remorse1 or regret at not making a better purchase in order to use your limited income most efficiently. Sometimes you can identify a need, but have no idea of the kinds of products that may fill it. This is especially true for infrequent needs or purchases. For example, you may decide you need to get away and take a long weekend. To do it cheaply, you decide to go hiking and camping. To make it more fun, you decide to go to an area where youâve never been before. You may not be aware of the camping options available in that area, however, or of equally cheap alternatives such as hostels, bed and breakfasts, or other accommodations. When you find that you have a range of choices, you can compare them and choose one that offers the most satisfaction. Once you have identified the product, you can compare the attributes of those products. What characteristics do you require or want? How are you going to use the product? For example, do you need cooking facilities, access to a shower, a safe but scenic location, opportunities to meet other
While the media is busy talking about Russia, Donald Trump, and Elon Musk, [thereâs one story]( that no news station is covering. Yet it could have a direct, and catastrophic, impact on your life and the lives of your loved ones. Exposed in [this shocking new documentary]( is the truth about the greatest threat facing America in 2023. [Video preview](
Iâm not talking about a market crash, inflation, or a recession⦠[This is far more destructive.]( It could cripple our country, our economy, and potentially end America as we know it. Yet, no one is sounding the alarm. Thankfully, there is a way to prepare for this crisis. And in this new documentary you will discover everything you need to protect your family, your finances, and your way of life from this looming crisis. [Click here to stream it now at no cost.]( Sincerely, Porter Stansberry
Consumer purchases refer to items used in daily living (e.g., clothing, food, electronics, appliances). They are the purchases that most intimately frame your life: you live with these items and use them every day. They are an expression and a reflection of you, your tastes, and your lifestyle choices. Your spending decisions reflect your priorities. Maybe you take pride in your car or your clothes or your kitchen appliances or your latest, coolest whatever. Or maybe you spend whatever you can on travel or on your passion for hiking. Those very personal tastes will frame your spending choices. Consumer purchases should fit into your budget. By making an operating budget, you can plan to consume and to finance your consumption without creating extra costs of borrowing. You can plan to live within your income. At times, you may have unexpected changes (loss of a job or change in the family) that put your nondiscretionary needs temporarily beyond your means. Ideally, you would want to have a cushion to tide you over until you can adjust your spending to fit your income. A budget can also show you just how fast some âsmall luxuriesâ can add up. Stopping for a latte on your way to work or school every day ($3.95) adds up to $20 per week, or about $1,000 per year. That money may be better used to finance a bigger ticket item that you then would not have to finance with debt. With the budget to help you put expenses into perspective, you can make better purchasing decisions. [Logotype]( From time to time, we send special emails or offers from 3rd party websites to readers who chose to opt-in.
[Quit](
To not miss out on any of our emails, be sure to [whitelist us.]( [Privacy Policy]( | [Terms & Conditions]( | [Unsubscribe]( (c) 2023 Investing Bag Holder. All Rights Reserved.
600 3rd Ave, New York, NY 10016, USA
EDM Keywords (159)
yet
would
work
wearing
way
want
using
use
understand
try
truth
travel
times
time
tied
tide
think
tastes
talking
take
sure
stream
stopping
spending
specifically
sounding
sorts
solve
shower
serious
satisfaction
safe
risk
require
remorse1
regret
reflection
refinance
recession
readers
range
quit
put
purchases
purchase
protect
products
product
prepare
point
playing
plan
perspective
pay
passion
partners
order
opt
one
offers
never
need
money
miss
minimize
message
meet
media
maybe
may
maturity
matter
making
make
loan
lives
live
liquidity
limited
life
lent
lenders
lender
latte
know
kinds
job
items
issued
interest
income
inappropriate
identify
identified
idea
hiking
help
happy
good
going
go
gain
fun
frame
fluctuate
fixed
fit
find
finances
finance
fill
fast
far
family
eyes
expression
exposed
example
emails
economy
eating
ears
earned
direct
destructive
define
decide
debt
cushion
crisis
create
cover
country
could
costs
consume
compensation
compare
clothes
chose
choices
cheaply
characteristics
change
car
camping
buyer
budget
breakfasts
borrowing
borrow
aware
attributes
area
america
advantage
adjust
add
accurately
accommodations