I've been asked about the importance of ratings and what they mean. IN GENERAL The main importance of a rating is to the entity issuing bonds.  The higher the rating (AAA being the highest) the lower the interest rate to the entity selling the bonds.  Entities can be the government, municipality or corporation. Another importance is to those individuals, institutions or companies who own bonds.  If  you own a bond and rating goes up, your bond should be worth more money.  If you own a bond and the rating goes down, if you were to sell the bond, it would be worth less than you paid for it. MORE INFORMATION (from the horse's mouth so to speak) Moody's :

Freebie Seekers Want To Pick Your Brain? Turn Them Into Clients and Referrers - or Turn Them Far, Far Away!! Service professionals are always busy, but often give away so much of their value - and then wonder why people don't hire them. In the name of "giving back" or "marketing," these owners are providing way too much information for free. Some shifts in thinking are necessary if these business owners expect to be in business years from now.  As a newly trained coach in 1998, I was actually taught to do pro-bono work. Why? They said that we needed to practice.  But the bottom line, in my opinion, is that we already have the gift, knowledge and experience to succeed in what

If you have a business where you have determined the price your product, service, or send out proposals, it’s more than possible that you’re “leaking” profits. I hear about it all the time. Proposals aren’t written according to what “could” happen. It’s determined that the costs associated with a product or service is higher than what was originally thought. It could be as simple as it’s taking more time to do a part of the project or the client has asked you for more than they’re paying for. Or I’ve had situations where the person didn’t get that I worked “via phone” and insisted on meeting me in person, which cost me 2 hours of my