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Free online PDF editor that allows you to draw onto your PDF files, add text, highlight passages and add watermarks. Edit your PDF online and for free. Municipal bonds are issued by a di erent form of government states, counties, municipalities, local agencies, and school districts to pay for such things as construction projects, highways, or basic obligations But munis, as they are often called, are not typically grouped in with federal government debt That s because, unlike Uncle Sam, local and state governments can pose real credit risks to investors One need only recall the bankruptcy ling of Orange County, California, in the early 1990s, due to bad investments decisions To be sure, defaults are rare in the municipal bond world at least rarer than in the corporate world But like corporate bonds, municipal debt tends to go through cycles When the economy sours, fears of default rise; when times are good, those fears abate As a result of this credit risk, municipal bond investors must always be mindful of the credit rating of the state or municipal government whose bonds they are thinking of purchasing The muni bond universe can be bifurcated into two general groups: general obligation bonds and revenue bonds General obligation bonds are issued by states, counties, or cities for general purposes Because they are issued by governments, which have the authority to raise taxes, there is a perception that these types of munis are relatively safe Revenue bonds, on the other hand, are typically oated by an agency of state or local government for a speci c project While revenue bond holders are typically paid from the receipts generated from these projects like highway or tunnel tolls there is no explicit promise that the state or municipality will bail out the bond issuers should the projects run into nancial di culties There s another reason why muni bonds are classi ed in a group unto themselves: From a tax standpoint, many of them are treated bene cially, relative to other bonds Muni income is federal tax free Moreover, if you invest in a muni bond issued by your home state, interest on that bond is also likely to be state tax free for residents This is why muni bonds are often a favorite investment for investors in high tax brackets, especially in high tax states However, the downside to this favorable tax treatment is that muni bond yields are actually much lower than interest thrown o by Treasury bonds That s because of their tax advantage To gure out whether a muni is more or less attractive relative to ultrasafe Treasuries, you have to calculate its so-called taxable-equivalent yield The formula is simple:. add image to pdf online: Insert PDF Images. Search, Edit, Fill, Sign, Fax & Save PDF Online ... how to replace text in pdf file online Easy to use Online PDF editor - Sejda
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