The Investment Knowledge Blog

How Nation-States Finance Their Debt

Governments around the world finance their debt through a mix of borrowing mechanisms, ensuring they can cover spending beyond tax revenues.

Economics

Economic Bubbles: A Balancing Act of Boom and Bust

Economic bubbles have been a recurring phenomenon throughout history, leading to periods of prosperity followed by sudden downturns. But what exactly is an economic bubble? How are they created, and why do they burst? Let's delve into these questions.

Economics

Understanding the Debt Ceiling

The U.S. government, like any entity, earns and spends money. However, its spending often outpaces its income, leading to a budget deficit. To cover these shortfalls, the government borrows money by issuing bonds, bills, and notes bought by investors worldwide.

Securities

Regulation Crowdfunding Amendments

On March 15, 2021, the final rule for Regulation Crowdfunding amendments became effective.

fintech

How to buy Bitcoin or any other cryptocurrency

The future of money and finance has arrived. Hundreds of cryptocurrencies have been made available with a combined market cap of hundreds of billions of dollars.

Real Estate

Fannie Mae and Freddie Mac Adverse Market Refinance Fee

The Federal Housing Finance Agency (FHFA) granted Fannie Mae and Freddie Mac permission to place an adverse market fee on mortgage refinance acquisitions. The fee was scheduled to take effect September 1, 2020 but has now been delayed to December 1st.

Securities

SEC Proposes to Update Accredited Investor Definition

On December 18, 2019, the Securities and Exchange Commission (SEC) voted to propose amendments to the definition of accredited investor with the goal of increasing access to investments.

Real Estate

Conforming Loan Limits Increased for 2020

The Federal Housing Finance Agency (FHFA) announced conforming loan limits for Fannie Mae and Freddie Mac for 2020.

Real Estate

Wholesaling requires broker's license in Illinois

The Illinois Real Estate License Act of 2000 (RELA) was amended and signed into law on August 9. 2019. The new law expands the definition of "broker" to include wholesaling.

Real Estate

Pocket listings banned by NAR

The National Association of Realtors (NAR) voted to bar realtors and brokers from keeping listings off the multiple listing services (MLS). The policy becomes effective on January 1, 2020. Although its implementation has been delayed until May 1, 2020.