Opinion

Investors most often use bonds to provide a steady income. They buy a bond when it’s issued or in the secondary market and hold it, expecting to receive regular, fixed interest payments until the bond matures. Then they get the principal back to reinvest.

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Families and educators embrace this time of year. A new school year, new grade level, new teacher and new friends, as well as connecting with friends from previous years. The excitement of a new school year focuses on preparing our students for a successful year of learning experiences. With those preparations, we know that how [...]

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Looking back at my U. S. Senate campaign, the passage of a bit of time has allowed for reflection and many kind contacts from supporters. There is never a guarantee of winning when one sets out on a difficult quest, whether it is leaving the Old Country for the New World, starting a new business or running for public office.

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For the last 10 years my wife Carolyn and I have gone at least once a year to Hawk Ridge and on several occasions more than once. Hawk Ridge is located along Skyline Drive east and north of downtown Duluth and is one of the premier raptor observation areas in the world. People from all over the United States, Canada, Europe and Asia come every year to observe the migration of raptors at Hawk Ridge.

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Throughout history there have been times when social custom or law allowed people to hate. I’ve lived long enough to see African-Americans, women, gays, and Muslims have to fight for the rights that should automatically be theirs as Americans. Hate usually goes hand-in-hand with fear, and throughout history it has been difficult to determine if hate is the cause or the effect of war.

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Americans have more money invested in bonds than in stocks, mutual funds or other types of securities. One of the major appeals is that bonds pay a set amount of interest on a regular basis. That is why they’re called fixed-income securities. Additionally, the issuer of a bond promises to repay the loan in full and on time. So bonds seem less risky than investments that depend on the ups and downs of the stock market.

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Money was not mentioned by any of the more than 30 educators who responded to a question I asked about the first month of school. Each of them described the most important things that families can do in September. Everything they suggested is free: helping youngsters set goals, establishing routines, learning something yourself, talking positively about schools and building or continuing a strong relationship with educators.

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