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<h1>Fiaze Issa, CPA</h1>
 
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<h3> "A FAMOUS QUOTE" 
The early bird gets the worm 
 
 
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<h3>
<tt>Something to think about 
 
A 35 year old man sets aside $50,000 in an investment paying 8%
annually. At 60
years old, that sum would have grown into $342,424!</tt> 
 

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<h3>Definitions and commentary 
 
American Depository Receipts (ADR)---This
is a receipt issued by a United States depository which indicates
shares owned
of a foreign company. ADR's are priced in United States dollars. They
trade
like any other stock. However, if the company is not well-known, volume
will be
lacking. Low volume is not good. 
 
Bond---These are IOU's issued by a company or the government. They are
usually
available in $1,000 or $5,000 denominations. Bonds/Bond funds should
always be
a part of a well-diversified portfolio. 
 
Certificate of Deposit(CD)---A very conservative holding. This is a
money
market instrument issued by a bank. The bank pays principal and a fixed
rate of
interest at maturity. The average length of maturity is one year or 6
months,
although much longer terms are available. 
 
Common Stock---A security that represents ownership in a company. 
 
Dollar Cost Averaging---A method used to buy securities over time at
regular
dollar intervals. This does not guarantee a profit. However, it
guarantees that
one will not be purchasing at the highest prices over time. This is the
core
foundation for any equity mutual fund purchase. For a bond fund, in
general you
do not have to follow this strategy because most short and medium-term
bond
funds have stable net asset values. 
 
Equity---This is ownership in something. Bonds represent debt while
stocks
represent equity. 
 
Government Bonds---This is debt of the Unites States Government. There
are
three types: Treasury Bills whose maturity is one year or less,
Treasury Notes
whose maturity is from two to ten years, and Treasury Bonds whose
maturity is
from eleven to thirty years. U.S. government debt is the safest debt to
own! 
 
Institutional Investors---Companies whose purpose is to invest their
own assets
or as trustee for someone else's assets. This would include pensions,
mutual
funds, and schools. 
 
Municipal Bond---A bond issued by the government on the state or local
level.
These are good for people in high tax brackets. 
 
Mutual Fund---A portfolio of stocks, bonds, or other investments which
is
governed by a team of one or more managers from an investment company
who makes
all the decisions regarding the fund. 
 
Preferred Stock---A type of stock that has priority to common stock in
payment
of dividends and ownership issues. It has no voting rights like common
stock
does however. 
 
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<center>AN
ANSWER TO A FREQUENTLY ASKED QUESTION 
Why do I need a CPA? 
 
I have experience in topics from estate planning to stock selection.
I am paid per hour and not on commission or fees. I am not an
owner or connected with any companies whose products or services I
would recommend.Therefore, my income increases if you are happy. </center>
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I thank
you for visiting my web site. If you have any comments, or suggestions, 
please
e-mail me at: <a href="mailto:cpaissa@sbcglobal.net">cpaissa@sbcglobal.net</a></center>
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