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Uncle Pipeline has been a Financial Pipeline contributor since 1996. He’s an expert in investments and has a wealth of financial information. From investing in bonds to managing your personal finances, Uncle Pipeline is the kindly uncle who is always there for you with great financial advice. Always opinionated but never boring, his insightful anecdotes and simple explanations will help you to make better decisions about your money. He’s like a stiff pull of hard liquor – a little hard to swallow, but remarkably warming and helpful in the end.
Protectionism, tariffs and trade wars

Protectionism, tariffs and trade wars

Protectionism, tariffs and trade wars

Free trade helps countries exchange goods and services through agreements that everyone can work with. But when protectionism takes hold and tariffs start piling up, trade partners can find themselves in a full-out trade war.
What’s negative equity?

What’s negative equity?

What’s negative equity?

Why do I need to understand negative equity before I sign a car lease?There’s more to car leases and loans than how much you pay each month. Before you sign anything, make sure you understand the math.
CDOR vs. CORRA – who should get the final rose?

CDOR vs. CORRA – who should get the final rose?

CDOR vs. CORRA – who should get the final rose?

Would you choose reliable underdog CORRA, or can fan-favorite CDOR be reformed? After cheating rumours turned fans sour on CDOR, will they cheer for little-known CORRA, or push for CDOR's redemption?
How Do Interest Rates Affect Bonds?

How Do Interest Rates Affect Bonds?

How Do Interest Rates Affect Bonds?

Story Behind Canada’s Biggest Maple Bond Deal

Story Behind Canada’s Biggest Maple Bond Deal

Story Behind Canada’s Biggest Maple Bond Deal

How HSBC was able to convince Apple to finally issue maple bonds in Canada
History of Economic Thought

History of Economic Thought

History of Economic Thought

The history of economic thought has undergone significant changes as money has morphed and internationalized, with the role of central bankers becoming politicized.
Tourist Exchange Rates: Using Foreign Currency in Your Travels

Tourist Exchange Rates: Using Foreign Currency in Your Travels

Tourist Exchange Rates: Using Foreign Currency in Your Travels

Get your foreign currency from your bank before leaving on your travels, otherwise with tourist exchange rates you will end up paying a lot more to exchange your loonies.
Types of Preferred Shares: Term, Maturity, and Dividend Payments

Types of Preferred Shares: Term, Maturity, and Dividend Payments

Types of Preferred Shares: Term, Maturity, and Dividend Payments

Preferred shares offer plenty of variety for yield-seeking investors.
Investment Manager Selection

Investment Manager Selection

Investment Manager Selection

Investment manager selection requires one to be free with your patience and time.
Christmas Shopping Aftermath Campaign: Ways to Reduce Debt

Christmas Shopping Aftermath Campaign: Ways to Reduce Debt

Christmas Shopping Aftermath Campaign: Ways to Reduce Debt

Christmas teaches important lessons about living within your means and ways to reduce debt.
Why Hatchanimals are Ruining Your Christmas

Why Hatchanimals are Ruining Your Christmas

Why Hatchanimals are Ruining Your Christmas

Hatch up a lesson in economics with 2016’s hottest toy.
Examining CFA® Pass Rates

Examining CFA® Pass Rates

Examining CFA® Pass Rates

The financial industry’s acceptance of the CFA charter as the most recognized investment designation in the world goes hand-in-hand with low CFA pass rates.
What Are Bond Spreads?

What Are Bond Spreads?

What Are Bond Spreads?

Bond spreads are the common way that market participants compare the value between separate bonds. Find out more about what are bond spreads here.
Holiday Shopping on a Budget

Holiday Shopping on a Budget

Holiday Shopping on a Budget

Holiday Shopping on a Budget during the Christmas season can be made easier by planning ahead, comparison shopping – and an honest conversation.
Bond Market Terminology

Bond Market Terminology

Bond Market Terminology

The bond market has a language all its own and these are some of the key aspects.
Issuing Bonds: The Canadian Corporate New Issue Market Process

Issuing Bonds: The Canadian Corporate New Issue Market Process

Issuing Bonds: The Canadian Corporate New Issue Market Process

Issuing Bonds is just another way a company can access cash for their business. Documentation and pricing is key to structuring a new issue
How to Get a Mortgage or Refinance

How to Get a Mortgage or Refinance

How to Get a Mortgage or Refinance

When is it a good idea to lock into mortgage rates?
U.S. Treasury Inflation-Protected Securities (TIPS)

U.S. Treasury Inflation-Protected Securities (TIPS)

U.S. Treasury Inflation-Protected Securities (TIPS)

The Two Essential Rules When Investing in Stocks

The Two Essential Rules When Investing in Stocks

The Two Essential Rules When Investing in Stocks

If you are thinking about investing in stocks, you need to know these two basic rules
Stock Pickers: Three types of Stock Picking Investment Management

Stock Pickers: Three types of Stock Picking Investment Management

Stock Pickers: Three types of Stock Picking Investment Management

Stock pickers use three main approaches for finding the best equities.
What Are Preferred Shares?

What Are Preferred Shares?

What Are Preferred Shares?

Preferred shares are stock in a company which have a defined dividend, and a prior claim on income to the common stock holder.
Econometric Techniques

Econometric Techniques

Econometric Techniques

Analysts use the statistical tools and econometric techniques to try to model the economy.
Borrowing Money Through Public or Private Issues

Borrowing Money Through Public or Private Issues

Borrowing Money Through Public or Private Issues

Companies can borrow money through either public or private placement, two investment options investors need to look carefully at.
Mutual Funds Valuation

Mutual Funds Valuation

Mutual Funds Valuation

Putting a value on a mutual funds valuation can be complicated when some securities provide hard to value and illiquid.
Term Selection For Investors: The Winning Strategy

Term Selection For Investors: The Winning Strategy

Term Selection For Investors: The Winning Strategy

Should investors lock into a longer term such as a five-year or should they choose a short-term investment?
Sector Rotation in Equities

Sector Rotation in Equities

Sector Rotation in Equities

Sector rotation focuses on individual sectors, where sector rotators pick stocks reflecting the economic and political outlook for markets.
What Is A Sector Rotation Strategy in Bonds?

What Is A Sector Rotation Strategy in Bonds?

What Is A Sector Rotation Strategy in Bonds?

Clients’ bond portfolios are fine-tuned from time to time using a sector rotation strategy as an investment manager weighs a variety of data.
Term Structure of Interest Rates

Term Structure of Interest Rates

Term Structure of Interest Rates

The term structure of interest rates or yield curve reflects markets’ interest rate expectations.
Mutual Fund Bible: Does Size Really Matter?

Mutual Fund Bible: Does Size Really Matter?

Mutual Fund Bible: Does Size Really Matter?

Attempts to explain performance in terms of fund size are dangerous, what is truly important in evaluating a fund’s long-term potential is their discipline.
What is Convexity?

What is Convexity?

What is Convexity?

Convexity an important tool used to show how changes of yield effect duration of a bond.
Quantitative Management Approach

Quantitative Management Approach

Quantitative Management Approach

Quantitative management uses computers to create models for stock selection
Market Timing Strategies: Buy Low, Sell High

Market Timing Strategies: Buy Low, Sell High

Market Timing Strategies: Buy Low, Sell High

It is best to leave market timing strategies to the professionals.
What Is A Bond Covenant?

What Is A Bond Covenant?

What Is A Bond Covenant?

Bond covenants are utilized to restrict the borrowing firm from making decisions which will deteriorate its financial health from the time of borrowing.
Basic Interest Rate Anticipation Strategies

Basic Interest Rate Anticipation Strategies

Basic Interest Rate Anticipation Strategies

Interest rate anticipation involves moving between the right short and long term assets, which can provide the best price increase as interest rates change
Opening an Investment Account: Minimum Account Sizes

Opening an Investment Account: Minimum Account Sizes

Opening an Investment Account: Minimum Account Sizes

When opening an investment account, how your money is managed and how much you pay in fees depends largely on how much you have to invest.
What Is Credit Risk?

What Is Credit Risk?

What Is Credit Risk?

Credit Risk assesses chances a loan or bond won’t be repaid through several levels
What Is Inflation?

What Is Inflation?

What Is Inflation?

Inflation is the change in the level of prices and the corresponding change in purchasing power that results.
What Is An Investment Manager?

What Is An Investment Manager?

What Is An Investment Manager?

Getting to know the professionals: the investment manager oversees portfolios of stocks, bonds, mutual funds.
Bond Payments

Bond Payments

Bond Payments

Frequency, Interest Rates and Maturity are important considerations for bond payment terms bond payments.
A “Hot-Air” Approach to the Markets

A “Hot-Air” Approach to the Markets

A “Hot-Air” Approach to the Markets

How the housing collapse of early 1990s and Hot-Air ballooning can teach us about irrational exuberance. Surprising how history tends to repeat itself.
What Is Duration? Macaulay Duration, Modified Duration and Convexity

What Is Duration? Macaulay Duration, Modified Duration and Convexity

What Is Duration? Macaulay Duration, Modified Duration and Convexity

The definition of duration and its two main types, Macaulay duration and Modified Duration
What is Monetary Policy?

What is Monetary Policy?

What is Monetary Policy?

Monetary policy insights are important to the investor.
Mutual Fund Investment Strategies

Mutual Fund Investment Strategies

Mutual Fund Investment Strategies

The variety of mutual fund investment strategies only limited by regulatory issues, ability of money managers and investor demand.
Savings Bonds: Buying Foreign Debt

Savings Bonds: Buying Foreign Debt

Savings Bonds: Buying Foreign Debt

The purchase of foreign debt is a potent tool for savings bonds portfolio diversification.
Tickle Me Elmo Economics

Tickle Me Elmo Economics

Tickle Me Elmo Economics

Even friendly red monsters aren’t exempt from the law of supply and demand. It may not always be about Elmo, but the kind of craze shoppers saw during the 1998 holiday season happens again and again - and teaches us an important economic truth.
Household Budgeting: Principle # 1 – Cash is King

Household Budgeting: Principle # 1 – Cash is King

Household Budgeting: Principle # 1 – Cash is King

Cash flow understanding is essential in household budgeting and knowing where your cash is going.
Structuring Hedge Funds

Structuring Hedge Funds

Structuring Hedge Funds

A look at how hedge funds are structured and the characteristics that define the structuring of hedge funds, as well as common practices by managers.
Dividend Payments

Dividend Payments

Dividend Payments

What are dividends? The history of dividend payments began when companies were deemed to be legal entities in their own right under the law.
Option Pricing: How Are Options Priced?

Option Pricing: How Are Options Priced?

Option Pricing: How Are Options Priced?

The Black-Scholes formula includes some key assumptions about option pricing that are important for traders to understand.
Derivative Concepts A to Z: Glossary of Terms

Derivative Concepts A to Z: Glossary of Terms

Derivative Concepts A to Z: Glossary of Terms

A handy glossary to help you sift through some of the more advanced language of our derivatives articles.
Financial Risk Manager

Financial Risk Manager

Financial Risk Manager

There are no surprises for the Financial Risk Manager – she’s already familiar with all possible scenarios on how to react when things go wrong.
Financial Calculator

Financial Calculator

Financial Calculator

Financial calculators are an essential tool for CFA Candidates, university business students and industry professionals.
What is a CFA?

What is a CFA?

What is a CFA?

What is a CFA? Going for the CFA tests the mettle of financial professionals; pass rate low, financial rewards high
Secured Loans

Secured Loans

Secured Loans

A secured loan offers consumer lower interest rates since borrowers are protected from default.
Investment Banking Jobs: Financial People

Investment Banking Jobs: Financial People

Investment Banking Jobs: Financial People

Investment banking jobs cover a wide range of financial institutions, tasks and markets.
Wholesale Value & How To Negotiate Car Price

Wholesale Value & How To Negotiate Car Price

Wholesale Value & How To Negotiate Car Price

The importance of conducting preliminary research on the wholesale value of the vehicle & how to negotiate car price final sales.
Compound Interest

Compound Interest

Compound Interest

Compound interest shows the way an investment can make money over time
Annuities: What Is an Annuity?

Annuities: What Is an Annuity?

Annuities: What Is an Annuity?

An annuity can pay back your investment over a set period of time, which makes it a good option for retirement income.
Indexing Strategies: Index Fund Investment

Indexing Strategies: Index Fund Investment

Indexing Strategies: Index Fund Investment

This article introduces and outlines the various indexing strategies along with their uses and importance for derivatives professionals.
Saving for Retirement: Pension Plans and Other Investments

Saving for Retirement: Pension Plans and Other Investments

Saving for Retirement: Pension Plans and Other Investments

There are a number of different vehicles to use when saving for retirement that can provide ample income well into your retirement years.
What are Pension Plans?

What are Pension Plans?

What are Pension Plans?

Pension plans offer guaranteed retirement income but face challenges posed by demographics, investment performance, company’s well being
Investing for Retirement

Investing for Retirement

Investing for Retirement

Keys to investing for retirement – start investing early to reap the benefits of compound interest.
How Do Student Loans Work?

How Do Student Loans Work?

How Do Student Loans Work?

How Do Student Loans Work? Student loans a useful vehicle for financing post-secondary education but should be used in conjunction with other forms of assistance.
Buying Stocks: How The Stock Market Works

Buying Stocks: How The Stock Market Works

Buying Stocks: How The Stock Market Works

Guide to Buying Stocks and Participating in the Stock Market
What is APR?

What is APR?

What is APR?

What is APR: The Annual Percentage Rate critical for evaluating big purchases, credit card balances
The Importance of Bid-Ask Spread

The Importance of Bid-Ask Spread

The Importance of Bid-Ask Spread

Understanding the importance of the bid-ask spread of big benefit to investors and consumers.
What are Text Loans – Short Term, High Interest Loans

What are Text Loans – Short Term, High Interest Loans

What are Text Loans – Short Term, High Interest Loans

Text loans are a convenient, modern twist on the already risky payday loan
The Advantages of Long Term Loans

The Advantages of Long Term Loans

The Advantages of Long Term Loans

Long term loans can be a positive exercise for the consumer and a business.
Roaming Charges: Understand and Plan Ahead

Roaming Charges: Understand and Plan Ahead

Roaming Charges: Understand and Plan Ahead

Understanding roaming charges and knowing your needs for personal phone usage are critical when planning vacation.
Inheritance: The Second Property Theory

Inheritance: The Second Property Theory

Inheritance: The Second Property Theory

Baby boomers saddled with high mortgage debt on properties supposedly have one thing to look forward to in their financial future - their inheritances
Asset Allocation Models and Mutual Funds

Asset Allocation Models and Mutual Funds

Asset Allocation Models and Mutual Funds

Asset allocation models are important to consider for the management of mutual funds and other investments. This article outlines their uses and importance.
Types of Financial Advisors: External vs. Internal Advisors

Types of Financial Advisors: External vs. Internal Advisors

Types of Financial Advisors: External vs. Internal Advisors

Types of financial advisors like external and internal financial advisors have advantages and disadvantages, it all comes down to the needs of the investment firm and its objectives.
The Significance of a Financial Track Record: Fund Performance

The Significance of a Financial Track Record: Fund Performance

The Significance of a Financial Track Record: Fund Performance

Credentials an important aspect of a financial manager’s track record – but the only true indication of skill is fund performance in good times and bad.
Manufacturing a Track Record: Choosing Your Investment Options

Manufacturing a Track Record: Choosing Your Investment Options

Manufacturing a Track Record: Choosing Your Investment Options

When determining an investment track record for professionals, you must ensure that the parameters used to define her history of management are relevant to whatever fund is currently being considered.
Equity Portfolio Management Strategies: Stock Picking, Sector Rotation and Equity Value

Equity Portfolio Management Strategies: Stock Picking, Sector Rotation and Equity Value

Equity Portfolio Management Strategies: Stock Picking, Sector Rotation and Equity Value

When employing equity portfolio management strategies, investment Managers combine stock picking and sector rotation to allow them to move into defensive stocks and cash in overvalued markets, weighting stocks and industries that are relatively attractive.
What Is Equity?

What Is Equity?

What Is Equity?

What is equity, and how can investors can buy a piece of corporate ownership?
Technical Analysis of Stock Trends

Technical Analysis of Stock Trends

Technical Analysis of Stock Trends

Technical analysis of stock trends charts historical movements to ascertain where financial markets are headed.
Equity Management Styles: Types of Financial Managers

Equity Management Styles: Types of Financial Managers

Equity Management Styles: Types of Financial Managers

This article examines various popular forms of Equity Management Styles and their distinct characteristics.
Charting and Other Indicators: Stock Charts Picking Strategies

Charting and Other Indicators: Stock Charts Picking Strategies

Charting and Other Indicators: Stock Charts Picking Strategies

Stock charts patterns are one of the essentials for market analysis, behaving like a self-fulfilling prophecy
Fundamental Analysis: Determining the Intrinsic Value of a Stock or Equity Security

Fundamental Analysis: Determining the Intrinsic Value of a Stock or Equity Security

Fundamental Analysis: Determining the Intrinsic Value of a Stock or Equity Security

The concept of “Intrinsic Value” is the cornerstone of Fundamental Analysis.
What is Fiscal Policy?

What is Fiscal Policy?

What is Fiscal Policy?

A fiscal policy definition is an important aspect of government spending. Here you can find a brief description of how such a definition is used.
Types of Mutual Funds: Open-Ended and Closed End Funds

Types of Mutual Funds: Open-Ended and Closed End Funds

Types of Mutual Funds: Open-Ended and Closed End Funds

There are two types of mutual funds – open and closed ended – and they are widely different.
Should I Be Leasing a Car?

Should I Be Leasing a Car?

Should I Be Leasing a Car?

When leasing a car, the decision should be based on the financial attractiveness of the lease compared to borrowing the funds to buy the same car: lower payments do not a better financial decision make.
What is a Mutual Fund?

What is a Mutual Fund?

What is a Mutual Fund?

Mutual Funds are a popular investment vehicle for those with a limited amount of money to invest, trading an annual fee for professional management skills
Financial Statements Analysis: Definition and Introduction

Financial Statements Analysis: Definition and Introduction

Financial Statements Analysis: Definition and Introduction

Understanding a financial statement analysis is vital when evaluating the financial health of a company
Yield Curve Strategies: Evaluating Bond Yield

Yield Curve Strategies: Evaluating Bond Yield

Yield Curve Strategies: Evaluating Bond Yield

This article outlines yield curve strategies, which are used in the evaluation of interest rates.
What is a Stock?

What is a Stock?

What is a Stock?

This article provides a brief overview of what is a stocks, their basic premise and how they function as a financial product.
Credit Rating and Analysis

Credit Rating and Analysis

Credit Rating and Analysis

A credit rating offers investors a quick guide about government or corporate financial health
Treasury Bills: The Relationship of T-Bills and Fiscal Policy

Treasury Bills: The Relationship of T-Bills and Fiscal Policy

Treasury Bills: The Relationship of T-Bills and Fiscal Policy

Treasury bills an important way for governments to raise money without raising taxes – but there is also a risk of borrowing too much.
Bond Characteristics: What are Bonds?

Bond Characteristics: What are Bonds?

Bond Characteristics: What are Bonds?

Bond characteristics lay out the terms of the investment you’re agreeing to make and explain payment terms
Bond Yield and Portfolio Management: Understanding Yield

Bond Yield and Portfolio Management: Understanding Yield

Bond Yield and Portfolio Management: Understanding Yield

Portfolio managers can use several techniques to get the most out of a client’s investments by making predictions about bond yield.
The Zero Coupon Bond: Pricing and Charactertistics

The Zero Coupon Bond: Pricing and Charactertistics

The Zero Coupon Bond: Pricing and Charactertistics

A zero coupon bond is a reliable security for investors wanting predictable income at a fixed time.
Interest Rate Components: Inflation, Liquidity, and Risk

Interest Rate Components: Inflation, Liquidity, and Risk

Interest Rate Components: Inflation, Liquidity, and Risk

This article outlines the interest rate components that affect investments, and specifically investment in bonds.
Exciting Views on Bond Ratings

Exciting Views on Bond Ratings

Exciting Views on Bond Ratings

A frank and informal look at the implications of credit and bond ratings, with implications for investors and portfolio managers.
Bond Valuation: Calculating Bond Value

Bond Valuation: Calculating Bond Value

Bond Valuation: Calculating Bond Value

This article focuses on the bond valuation and the different factors that go into considering their value.
Term Loans and Bank Loans: Alternative Investments

Term Loans and Bank Loans: Alternative Investments

Term Loans and Bank Loans: Alternative Investments

Creditworthy corporations have a variety of means to access capital beside bond markets, with different types of bank loans including term loans.
Junk Bonds: High-Yield Bonds, Credit Quality, and Risk

Junk Bonds: High-Yield Bonds, Credit Quality, and Risk

Junk Bonds: High-Yield Bonds, Credit Quality, and Risk

Junk bonds speculative but investors find them attractive as credit risk can be more than compensated for by their higher yields.
Extendable and Retractable Bond: Maturity Date Definition

Extendable and Retractable Bond: Maturity Date Definition

Extendable and Retractable Bond: Maturity Date Definition

An extendable or retractable bond offers investors the opportunity to take advantage of movements in interest rates.
Convertible Bonds: Features and Advantages

Convertible Bonds: Features and Advantages

Convertible Bonds: Features and Advantages

Convertible bonds give holders the benefits of fixed income, but can provide a higher current yield and less downside.
Issuing a Foreign Bond

Issuing a Foreign Bond

Issuing a Foreign Bond

Issuing a foreign bond in another currency is a common way to fund corporate, government needs at lowest rate.
Inflation-Linked Bonds: Index Linked Bonds and Interest Rates

Inflation-Linked Bonds: Index Linked Bonds and Interest Rates

Inflation-Linked Bonds: Index Linked Bonds and Interest Rates

Inflation-linked bonds provide protection against inflation.
What Are Government Bonds?

What Are Government Bonds?

What Are Government Bonds?

Government bonds a low-risk investment, offering a steady, guaranteed source of income
What are Asset Backed Securities?

What are Asset Backed Securities?

What are Asset Backed Securities?

Asset Backed Securities a useful tool to manage risk.
Corporate Bonds: Definition and Why to Invest

Corporate Bonds: Definition and Why to Invest

Corporate Bonds: Definition and Why to Invest

Corporate bonds an attractive alternative to other means of raising money, generally offer higher yields.
Pooled Funds: Unit Trust Investment

Pooled Funds: Unit Trust Investment

Pooled Funds: Unit Trust Investment

Pooled Funds aimed at larger investors, are similar to mutual funds but offer lower fees.
Should I Buy A House?

Should I Buy A House?

Should I Buy A House?

There are two basic reasons to buy a house: 1) to provide shelter and 2) as an investment, to provide an investment return through rental income.
Financial Ratios: Technical Analysis of Financial Markets

Financial Ratios: Technical Analysis of Financial Markets

Financial Ratios: Technical Analysis of Financial Markets

Financial Ratios important for ascertaining the value of a company’s stock – but context is everything.
Understanding Why Interest Rates Change?

Understanding Why Interest Rates Change?

Understanding Why Interest Rates Change?

Changing interest rates is one of life’s certainties; understanding why interest rates change is vital for portfolio health
Trading Bonds: How are Bonds Traded?

Trading Bonds: How are Bonds Traded?

Trading Bonds: How are Bonds Traded?

Bond trading has lower profile than that for stocks but its far bigger and important to the economy. Find out how are bonds traded.
Royalties and Income Trusts

Royalties and Income Trusts

Royalties and Income Trusts

There are certain options that differ from traditional investments. This article looks at Royalties and Income Trusts in terms of their uses and value.
Why Bother Forecasting Interest Rates?

Why Bother Forecasting Interest Rates?

Why Bother Forecasting Interest Rates?

Forecasting interest rates is an involving process that takes a multitude of different factors into consideration.
Bond Portfolio Management Strategies

Bond Portfolio Management Strategies

Bond Portfolio Management Strategies

There are several bond portfolio management strategies investment mangers and investors can use make the most of a portfolio, including interest rate anticipation and sector rotation.
Segregated Funds

Segregated Funds

Segregated Funds

Segregated Funds an insurance contract similar to mutual funds.
Payday Loans: What Are They And How To Avoid Them

Payday Loans: What Are They And How To Avoid Them

Payday Loans: What Are They And How To Avoid Them

For many living pay check to pay check the thought of a quick cash advance is tempting. Yet one must avoid the practise of pay day loans at all costs!
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