Guide
Risks of Bonds
Bond risk is not limited to default: interest rates, duration, inflation, credit quality, liquidity and call features can all change the outcome an investor receives.
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MarketReview author profile
John Miller
Economics Contributor
ActiveJohn Miller writes about economics as it is experienced—not only in data releases and policy announcements, but in borrowing costs, investment decisions, business conditions and household budgets.
His coverage follows the chain from cause to consequence. A change in interest rates can alter credit conditions; inflation can reshape purchasing power and expectations; employment and government policy can influence both market sentiment and everyday financial choices. John explains those connections without treating economics as a set of isolated textbook ideas.
At MarketReview, he contributes to articles that need more than a description of what happened. His role is to clarify why a trend may be developing, which incentives and constraints are driving it and how the effects can differ for investors, institutions and households. The result is economic analysis grounded in practical financial consequences.
Areas of coverage
- Economics
- Interest rates
- Inflation
- Employment
- Supply and demand
- Government policy
- Financial decisions
Published work
Latest work by John Miller
News, analysis and evergreen financial guides credited to this author.
Guide
Characteristics of Bonds
Bond terms such as coupon, maturity, yield, credit quality and call provisions determine how a bond pays, how its price behaves and where its risks come from.
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Guide
Benefits of Bonds
Bonds can provide contractual income, defined maturities and portfolio diversification, but the value of those benefits depends on credit quality, interest-rate exposure and how the investment will be used.
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Guide
Paying Down Your Mortgage
Extra mortgage payments can reduce interest and shorten the payoff period, but the best use of spare cash depends on your other debts, emergency reserves, mortgage terms and competing financial goals.
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Guide
Purchasing a Home with a Mortgage
A mortgage can make homeownership possible without tying up all of your capital, but a sound purchase depends on affordability, loan structure, transaction costs, and how long you expect to own the home.
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Guide
Getting Approved for a Mortgage
Mortgage approval depends on the borrower, the loan and the property, with lenders reviewing credit, qualifying income, existing debt, cash and the home itself before giving final approval.
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Guide
Deciding on Mortgage Options
The best mortgage is not simply the one with the lowest rate; it is the loan whose payment, costs, risks and flexibility fit the way you expect to own and finance the home.
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Guide
The Downside of Loans
Loans can solve an immediate funding need, but interest, fixed payments and reduced flexibility can make borrowing more costly and restrictive than it first appears.
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Guide
Revolving Loans
Revolving loans let you borrow, repay, and reuse available credit up to a limit, but their flexibility must be weighed against interest costs, minimum payments, and changing credit limits.
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