MBS Bonds

Mortgage participation certificates, unlike bonds, have no fixed income and the nominal value. Yield of these securities depends on how well the company, which trust mortgage, will collect payments on mortgage loans. Although, in the event of bankruptcy of the management company, the holders of certificates also are not in danger of losing money – funds are management of the company and can not be used to repay its debts to creditors. The risk of defaults on mortgage bonds, is directly connected with its software. Providing real estate and the state guarantee for mortgage bonds suggests that they are less risky (and profitable) than corporate bonds, but more profitable than the state. Total MBS are characterized by such factors as reliability, transparency, accessibility and sustainability.

Mortgage-backed securities in the form of bonds were well known in pre-revolutionary Russia, and enjoyed great popularity among the population, since bringing in a steady income prescribed percentage, and could be sold on the exchange at any time. For the same reasons modern Russian MBS will always be attractive for both domestic and overseas investors. Today, mortgage securities are in demand worldwide. They are provided with real estate, which is always a price. That means a guarantee of profitability this financial instrument is the dynamics of growth in property prices. In million cities in recent years, the average rise in house prices is about 30% per year. In recent years, in some regions it rose to 50%. Of course, not every kind of investment can bring similar earnings.

EBook Format

Desired holidays approaching and with them the great dilemma about what destination choose: do Beach? Mountain? And with which company: with friends? Only? In couples? There are infinite ways travel as destinations to choose, and in this sense the eBook format can be of great help. But we split. Once chosen the destination we are facing another big dilemma: what to see, what to do, we investigate on what interest there in the area, beaches to visit, places to eat some opt for famous travel guides, they are of all types: small, for road warrior, for all budgets and, now, with the development of new technologies, we find a much more varied offer, among which we can find, for example, the new Lonely Planet guides. The world leading content about travel firm has announced the launch of its new interactive guides for iPad, the Discover collection, which will be available from August 2. The Discover in eBook format they assume a true reinvention of the eBooks, with a model of navigation and a trip planner that completely transformed the way in which travelers consult guides. This type of guides could bring a revolution to the publishing world and will be an excellent choice for travelers because we can always find updated information, which will incorporate more and more new and additional possibilities: you can buy upgrades, take notes, and even contact other travelers through the various devices. The possibilities that offer this kind of format and we will already see the development are endless.