5 Areas Where Interest Rates Matter!

Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.

1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!

2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?

3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?

4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?

5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?

Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands of leaders, financial consulting, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for 15+ years. Rich has written three books and thousands of articles.

7 Natural Methods to Boost Fertility

When it comes to fertility improvement, you should know that it is something a lot of couples can use. Nearly 15% of all people have some problems in regards to conception. Numerous reasons contribute to this. What is more important though is that there are many ways to help with fertility problems. Even though most of them are simple enough, they can boost fertility significantly. Take note:

Focus on a bigger breakfast – women with fertility issues should know that a bigger breakfast can help resolve the issue. According to studies, a better breakfast improves the hormonal consequences of polycystic ovary syndrome (PCOS), which is a major contributor to infertility. Women of normal weight who eat the most calories with their breakfast show reduced levels of insulin and testosterone. Additionally, they ovulate 30% more than women who have smaller breakfast. Do note that increasing your breakfast without decreasing calorie intake throughout the rest of the day can lead to weight gain.

Reduce carbohydrates – many doctors recommend a low-carb diet for women with PCOS. The main reason for this is that the risk of infertility increases with higher carb intake. According to some studies, women who consumed more carbs were at 78% higher risk of ovulatory infertility than women who adopted a low-carb diet. Keep in mind the type of carbohydrates is also essential. In that sense, refined carbohydrates found in sugary drinks and foods are absorbed by the body very quickly. This causes a spike in insulin levels, which ups the chances of PCOS.

Eat more foods rich in antioxidants – zinc and folate are essential in fertility improvement for both men and women. They do this by deactivating the free radicals that damage egg and sperm cells in the body. As a result, the chance of conception grows significantly. Foods that contain antioxidants are grains, nuts, vegetables and fruits.

Eat more fibre – fibre can greatly help your body remove excess hormones and maintain a balanced level of blood sugar. Foods like beans and whole grains can remove estrogen by binding with the hormones and then flushing them out. Even small amounts of fibre (10 grams daily) could lead to significant improvements in fertility.

Consume high-fat dairy – low-fat dairy foods increase the risk of infertility, whereas high-fat dairy could, in fact, decrease it. Try to replace a single serving of low-fat dairy with a high-fat product, like a glass of whole milk for example.

Exercise your body – many studies point out to the fact that sedentary lifestyle leads to higher risk of infertility. Regular exercises not only negates this effect but also contributes to better weight loss efforts and increased wellbeing. Yet, you should know that excessive exercise could have an adverse impact on fertility. Moderation is key.

Relax – with an increase in stress levels, hormones levels in the body change in favour of those that reduce fertility. It is estimated that nearly 30% of women experience problems with working long hours and stressful jobs. You need to find a way to combat stress, be it through some hobby, meditation, yoga or some other activity.

As you can see, there are quite a few ways to reduce the risk of infertility. It is up to you to implement these strategies in your life.