2012年2月29日 星期三

Person-To-Person Loans - You Can Earn Better Returns


Person-to-Person lending (also known as Peer-to-Peer or P2P) is fast becoming an attractive way for borrowers and lenders to connect directly. It is like the EBay of the banking world. In the past, you would deposit your funds at the bank and depending on the amount and term, the bank would pay you interest. Current certificate of deposit rates range from 3.50% to 5.00% APY. Basically, the bank then makes loans with your funds and their income is based on the spread between your rate and the loan rate. Well, why let the bank have all of the fun? Now, you can lend direct and earn more interest.

There are three main services: Prosper.com, LendingClub.com, and Zopa.com. Prosper gives you plenty of details such as the credit score, Debt-to-income ratio, etc., so you can make informed lending decisions. Prosper.com allows the lender to seek additional details about the borrower, although the borrower doesn't have to respond. Of course, then the lender doesn't have to lend to them. Many lenders spread out their funds in $50 to $100 increments to minimize overall risk. Looking at data from Prosper (6/1/06 to 4/21/08), average rate of return for AA borrowers is 6.64%. Some people will sprinkle in some lower quality loans to try to bring the return up. Your funds aren't guaranteed, however. With Prosper you can get started with $50.00. Certainly not much to risk, to get your feet wet.

Lending Club isn't currently accepting new lenders. The site says, "Lending Club has started a process to register, with the appropriate securities authorities, promissory notes that may be offered and sold to lenders through our site in the future." They use a system they call LendingMatch to suggest a portfolio of loans to the lender. It takes various aspects of your profile and matches you with borrowers that you may have a "connection" with. That connection can be you both like dogs and are MySpace addicts. The lender can override the suggestions and make their own decisions.

Zopa operates a little differently. They tie your investments in with an NCUA insured CD. They partner with various credit unions to accomplish this. As a result, your funds are insured up to $100,000, but the earnings compare with 1-year CDs. Currently they are advertising 3.75%. The minimum required to start at Zopa is $500.00. Zopa has a feature where you must agree to help at least one borrower out. You do this by reducing your earnings rate and as a result, reducing the borrowers loan rate. People helping people is the true theme of all three services. The fact that everyone mutually benefits makes it very rewarding.

I don't think the person-to-person lending will replace other investment alternatives, but I do think it can add some return to a well-balanced portfolio. If you manage your lending portfolio well, the returns are certainly attractive compared to other investment vehicles. Our specialty will remain with quality, guaranteed returns in certificates of deposit, but I certainly believe putting some extra funds at Proper or one of the other services is a good idea.

For more information visit our Peer-to-Peer lending section on our site.




Chris Duncan is a FINRA Registered Representative. He specializes in helping clients find the best and highest CD rates nationwide. His clients include individuals, financial institutions, corporations, and public agencies. Please visit our Certificate of Deposit Rates page.





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Board Certification of a Doctor - What Does it Mean?


Today's question is "What is board certification?" Board certification comes up when evaluating a doctor's credentials when we question the doctor, usually at the time of deposition. Board certification means that a doctor has taken an examination after completing medical school and completing their residency training. It establishes a basic understanding and fundamental knowledge of medicine in their particular area of practice, whether that's in obstetrics and gynecology, surgery, neurosurgery, or any type of specialty.

If a doctor has sat for the exams, which is usually both a written exam and an oral exam, and passed that, then they will become a fellow of the American college of whatever specialty they belong to. Whether they're a fellow of the American College of Emergency Room Physicians or Pulmonary Physicians, or American College of Obstetrics and Gynecologists, that means that they are now board certified, and the level of basic medicine, the fund of knowledge that they have, is the same whether they graduated and trained in New York, or in California, or in Florida or anywhere else.

Now, here's a question I'm often asked. "Just because somebody is board certified, does that mean that they can do no wrong?" The answer is "No." You can have excellent physicians who are board certified, who are great at what they do, and make a mistake, an error, during the course of treatment. You can also have physicians who are not board certified also do a great job, and at the same time there are non-board certified physicians who can make mistakes, and as a result, cause significant injury.

The mere fact that a physician is board certified, does not in and of itself mean that there can be no wrongdoing.




Gerry Oginski is an experienced NY medical malpractice and personal injury trial attorney practicing law in Brooklyn, Bronx, Queens, New York.

Take a look at Gerry's website http://www.oginski-law.com and read his free special reports on malpractice and accident law. We have over 250 FAQs to the most interesting legal questions. I guarantee there's something for you. For more information, call him personally at 516-487-8207, he welcomes your call.





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2012年2月28日 星期二

Highest CD Rates


There are a number of reasons why investing in certificates of deposit (CD) have become a popular option for investors. One of the biggest reasons is that certificates of deposit especially those with long maturity periods provide higher interest rates than other investment options. In addition to this, investing in a CD is considered as low risk, as the principal is never at risk and the government insures CD investments. However, despite the fact that the rates on CD investments are already attractive, there are still ways by which investors can get higher or the best rates on their CD investments, which can help them maximize the earnings they can get from their investment.

Getting higher returns

As with any investment option, getting a better deal on a CD would involve doing an adequate amount of research and employing the right canvassing strategy. With regard to research, one of the best places to start is the Internet, as it can provide an investor access to the different interest rates that various financial institution offer on their CD products through their web sites. This can allow an investor to compare and assess the different CD products in the market with regard to the interest rate that are being offered for the CD and the maturity periods of each CD product. In addition to this, the Internet can also provide helpful advice to an investor in timing his investments because the Internet also provides information on the current interest rate environment, which also determines the rate that is offered for a CD.

In canvassing for a CD, an investor can be assured of higher earnings if he seriously considers investing on a CD with a longer maturity period, as the interest rates on them are higher. Apart from this, another good way to get higher returns is to consider the option of bulk buying CD?s, as most banks offer even higher rates for investors who do so. Moreover, investors should not look only at banks, as there are also other sources of CD products, which include credit unions, which offer higher rates than what commercial banks offer.

Investing in certificates of deposit has become a very popular investment option because of the high interest rates that they provide to investors. However, there are still a number of ways to get better rates that can ensure higher earnings. These include doing the adequate amount of research and employing the right canvassing strategy in searching for a CD product, which can give investors access to some of the best deals on CD products.




CD Rates provides detailed information on Best CD Rates, CD Rate Calculators, CD Rate Comparisons, Certificate Of Deposit Maturation and more. CD Rates is affiliated with Cash For Future Payments.





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Tax Lien Certificates -- Pro's and Con's


Would you like to receive 15% to 50% return on investment (ROI) guaranteed by the government? Tax lien certificates (TLC) offered in many states and counties in the U.S., U.S Virgin Islands and Puerto Rico offer returns that high. While most states offer less than 50% your investment may be safe because it is secured with real property. A TLC is a note issued by the county or municipality on properties that are in arrears with their property tax. Some states allow these notes to be senior to all other mortgages and liens, including federal tax liens. These notes are sold at auction by the individual counties, municipalities and/or states that issue them. Investors receive a fixed amount of interest monthly written on the note for a specific time period. This amount is state mandated. If the outstanding debt is paid before the term of the loan ends, the government will send the investor a check for the initial investment and all outstanding interest due. These note terms typically run for one to three years. If the property owner does not pay, you may have foreclosure rights; the government may send you the deed to the property. This means you may realize a huge ROI.

There is some risk involved with the purchase of TLC's. The purchase of tax sale liens of properties under the control of Federal Deposit Insurance Corporation (FDIC) and those affected by the Drug Enforcement Administration (DEA), or if the owner files bankruptcy could possibly result in the loss of your investment. With due diligence, this risk can be reduced. Remember, not all TLC's are equal, some are better than others. Sometimes you will have to fight it out in court with other lien holders if it gets to the foreclosure stage. Proper title and bankruptcy research should be done or your tax lien may end up worthless. Inspect the property to insure you are getting some value. I heard of a man in Texas who found the property the lien was written on flooded twice a year. His research saved his investment. Don't trust the description of the property, have a look for yourself. TLC's can be lucrative, but it may take quite some time to realize and you are sometimes responsible for the tax payments during the foreclosure. Again, do your research on the property, legalities and taxes.

Anyone who can legally own property in the U.S. may purchase a tax lien. These sales are conducted by lot for cash, either on the spot or within a time frame of within 48 hours. There may be a pre-registration requirement before the sale. There are also rules of sale to be studied. Online sales are available. This is a time, labor and money intensive investment that is best done locally. The sales and auctions vary widely state to state. More information is available from the county offices. A list of unsold TLC's may be available from the county as well. Research of public records is to be expected for due diligence.




With three startup businesses before he was 21 years old, Matt Fox has the experience to help you create your own businesses for your financial future. See his blog at http://www.bizmaker.blogspot.com.





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2012年2月27日 星期一

Investing in a Rocky Economy


With all the talk about a recession (Are we headed for one? Are we already in a recession?), many people are unsure where the safest options are for investing their money. Stock values and retirement accounts are plummeting and whether or not you're in them for the long haul, you may still want to invest some of your money in investments that are considered "less risky" in an effort to combat the situation of the current economy.

Certificates of Deposit are an option for a reasonably safe investment that also offers the opportunity to earn interest. It's a bit like loaning money to the bank; and in return - they pay you interest on the money you've loaned them. The CD is a note from the lending institution that states you are investing a certain amount of money for a specific time period; and during that time period, the lending institution will pay you a guaranteed interest rate when the CD matures at the end of the designated time period.

You can choose the investment period you prefer, with options ranging from a few months to several years. Usually the longer you invest the higher your interest rate, but the amount of your deposit will also play a role in the interest rate you secure. High yield certificates of deposits are typically offered around 4% interest for deposits of $5,000 or more, but it will vary from one lending institution to another. The varying interest rates are a good example of why it's important to take some time and compare your options for investing in certificate of deposits. Just as an online bank can offer better rates and terms on checking accounts and money market accounts, they are often likely to have the ability to offer higher rates on their certificate of deposit accounts due to having lower overhead costs for operating expenses.

During times of economic difficulty, a certificate of deposit is a nice option for investing money you can't afford to lose. The potential of losing your money in the stock market is a much greater risk and you can easily lose your money just as fast as you invest it in stocks. Putting your money into a certificate of deposit, on the other hand, guarantees that the interest rate you are given when you invest is locked in for the life of your certificate of deposit and will not change. You know exactly how much money you'll have at the end of your investment term.

While safe investments, the downside of a certificate of deposit is that you are committed to investing for the full length of time you arrange when you set up the investment. If interest rates increase after you've invested your money, you can't just pull the money out of your CD and move it to a new investment (at least not without paying early withdrawal penalties on your certificate of deposit!)

In an uncertain economy, and any time you want to invest money in secure, interest earning options, a certificate of deposit is a practical investment. If you have enough money to deposit to qualify for a high yield certificate of deposit, you'll earn an even more attractive interest rate that does not decrease in value and does not pose any risks of losing your initial investment.




Debra Dragon is a freelance writer for DepositAccounts.com. She writes about how to make your money work better for you through various deposit accounts, including savings accounts, interest checking accounts, IRAs, and money market funds.





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Ways to Find the Best CD Rates


Worried that your CD rates are too low? Read here for ways to find the best rates!

With the stock market being as inconsistent as it has been over the past few years, many people are looking for safer ways to invest their money. For many people, opening certificates of deposits with banks could be a great idea. Certificates of deposit offer customers a guaranteed rate with absolutely no risk. While getting CDs could be a great way to invest, they often come with very low rates. Luckily, there are several ways you could find the best rates and earn extra money.

Look At Online Banks

The first way that you could find the best rate would be to look at online banks. Like most banks, online banks offer certificates of deposits to their customers. While CD rates at all banks are low right now, many online banks are able to offer better rates on their CDs than traditional banks. Since online banks do not have the same overhead expenses associated with maintaining and staffing traditional bank branches, they have the flexibility to pass on the additional savings to their customers. In some instances, the savings may be passed on through lower rates through their certificates of deposits.

Shop Around

The second way that you could find the best CD rates would be to shop around and negotiate. While most banks are not able to offer high CD rates right now, all banks have different rate structures. By shopping around at various banks, you could end up finding a banks that has a much better deal than the rest.

Put Forth More Money




The third way that you could receive better rates on Certificates of deposits would be to put forth more money into the account. Banks want people to open CD accounts with them because it increases their deposit level and gives them more assets to invest. Because of this, many banks are willing to give better CD rates to customers that open larger accounts. Jumbo CD accounts, which usually require a deposit of $50 thousand or more, could receive much better rates than smaller accounts.

Stacey Nelson





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2012年2月26日 星期日

Stocks, Bonds, and CDs - Ways to Invest


It's natural to be wary of the stock market in today's era of recession. However, if you have the money to spare, right now is a great time to invest your extra cash, whether in the stock market or in other modes of investment. The stock prices are lower, and generally investment prices are less as well. To help you feel more confident in navigating the investing world, this article will take a look at the various options you have for investing your money.

Perhaps the most obvious place to infuse your cash is the stock market. Basically, publicly traded companies offer their stock for sale on the stock exchange. This means that they are giving out shares in the company, and those who own shares in the company go along with the ups and downs of that specific business. For instance, if you buy shares in a start-up computer company, if the company does extremely well, your stock value can rise considerably. However, the same goes for downturns. If the start-up loses its momentum and begins to suffer in the amount of profit they bring in, your stock values will decrease.

The stock market is good place to invest because it can offer a quick turnaround on your investment. On the other hand, people have also lost millions of dollars if the stock exchange plummets into a recession.

Another place to put your money is in bonds. Bonds are like debt I.O.U.s. With bonds, the issuer needs capital in hand to complete a project. For example, let's say that the state government needs money to finance a highway building project. It can sell bonds to the public which pays back a certain amount of interest during the term of the bond, as well as the face value of the bond whenever it expires, or becomes due. Bonds tend to be much less risky than stocks, especially when government-issued. They pay back a fairly predictable amount in interest.

Lastly, another money-raiser is a CD. No, not a listening CD or compact disc, but a Certificate of Deposit. CDs are another fairly low-risk way to invest your money and earn interest. Basically, a person can go to a bank and deposit a certain amount of money. They agree to a specific time span of the deposit, as well as the interest rate. The interest rates for CDs are normally higher than the regular savings account interest rates. After the life span of the CD is up, a person can go to the bank and claim the original deposit, plus all of the interest that it accrued.

Luckily, the FDIC insures CDs up to $250,000, which is very helpful in the investment world because things like stocks aren't really insured, and you can suffer huge losses. However, a downside is that if you need the deposited money before the life span of the CD expires, you will probably have to pay a fee-kind of like paying a buyout fee in contracts.

Navigating the many places to invest your money can be confusing.




For more information regarding your investment options as well as other business-related topics, check out the helpful Business Directory today.

Joseph Devine





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Opening Up a Bank Account


Opening up a bank account primarily depends upon a customer's choice where he or she can open a current account or may be student account. Savings and Money market accounts are next to follow; however, on a long-term basis Certificate of Deposits are the best deal.

What type of bank account one needs to open? How one can open a bank account? The answer relies upon how an individual chalks out his plans to use the respective bank account. Opening up of a bank account solely depends what kind of account a person needs. If someone wants to assemble up all the savings and there is no consideration of using the money in the near future than the Certificate of Deposits are the best option to go for.

If someone needs his money at hand then saving and checking accounts are the best options. In Opening a regular cheque account, one will not incur any interest, where a person has to write several cheques for instance payment of bills etc. fees are likely in these accounts however, there is no limitations on withdrawals from such a bank account. It's better to go for Interest checking accounts which will pay you interest as well and you have no limitations of withdrawal. Yet the factor of fees and writing cheques all the time do come. These are most common types of bank accounts also known as Current Account. A current account or cheque account is usually that type of account the by and large comes with a cash-card which can be used for the withdrawal of money ATMs up to a maximum limit on daily basis. Different banks have different charges if a person uses one bank's ATM machine to draw money from another bank's account. As said earlier, a current account plays an important part as it allows a customer to set up a mode of regular payments, usually known as a Direct Debit. The tuition fees, rent and other accommodation fees like hostel fees are paid as Direct Debits. Besides that, phone and mobile bill payment are debited directly from the current account.

If someone needs to keep a lot of money in an account, which is not used regularly than saving account is the next best option to go for. In this type of account one receive a better return from the bank where the accessibility of the funds from the saving account is not that convenient as with that of the current account so one should be clear enough in his mind before opening a saving account as to what is the modus operandi. A customer will not be able to formulate a Direct Debit from a savings account.

But if an individual does not write many cheques and stick on two or three cheques every month then opening a money market account would be a better deal than cheque accounts. Money market accounts generally pay a higher rate of return than other bank accounts, but minimum balance conditions are usually on the higher side as well.

Away from the normal bank accounts, some bank accounts are especially created for the convenience of the customers. For instance, a student account is the most common account seen now days. Student accounts can be without a doubt is a top priority if someone is a university or college student. There are clusters of banks, which offer student accounts, which have all the characteristics of a normal current account; however, they come with various terms and conditions. In today's world, most of the students have easy access to the internet, so they can manage their funds very conveniently on a real time basis. Mostly in UK, banks provides a basic overdraft facility, however, with student accounts this can differ significantly.

No matter what kind of bank account you are using, it is important to check out as what are the charges and conditions to avoid any problems as these things can bring financial comfort into financial hardship.




Humaira





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2012年2月25日 星期六

CD Savings Rates


One of the keys to successfully investing in a certificate of deposit (CD) is being aware of the interest rate that are offered by the financial institutions that offer them. This is because being aware of the prevailing interest rate on CD's can help an investor know if a CD provider is offering a rate that is lower or higher than the average rate in the market. This in turn can help an investor pick the best CD product with regard to the rates that are being offered by CD providers. In addition to this, gaining information on the prevailing interest rate on CD's can help an investor decide if it is the right time to invest in a CD. This is because given that CD's have fixed interest rates, investing during the times that are considered ideal to do so can give an investor higher returns.

A good source of information on CD rates

One of the best sources of information on the prevailing interest rates on certificates of deposit is the Internet. This is because apart from the fact that the Internet is host to the web sites of a large number of CD providers, the Internet can also provide information on rates from a number of notable sites that offer financial advice, which includes the government. As to the web sites of the CD providers, investors can gain access to the interest rates that they offer by browsing through the different CD products that are being offered by the CD provider. This can be very helpful, as an investor can canvass among different providers and choose the one that offers the best deal.

With regard to the financial advice that investors can get online, they can be very helpful in guiding an investor with regard to his investment on CD's. This is because the advice that is given focus on how investors can successfully invest in CD's, which includes knowing the right time to invest in CD's given the interest rate environment.

For people who are thinking of investing in CD's, it is very important that they get the necessary information they need with regard to this kind of investment, which includes information on the interest rates that are offered by CD providers. This is very important, as information on interest rates can help an investor successfully investing in CD?s because he can pick the CD provider that offer the best deals and he would know the right time to invest in CD?s. The good news is that information on rates is readily available online, as with other helpful information regarding CD investments.




CD Rates provides detailed information on Best CD Rates, CD Rate Calculators, CD Rate Comparisons, Certificate Of Deposit Maturation and more. CD Rates is affiliated with Cash For Future Payments.





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Resources to Get Cash Now


If you're looking for ways to get cash now then consider the following options:

Credit Card Cash Advance: If you have a credit card, you probably have received blank checks from your credit card issuer. You can use the checks in an emergency to pay a bill or get some quick funds. It's a good idea to save these checks so you have them available to use in a crunch. They provide a good alternative to the pawnshop. If you have a credit card but you haven't yet received any cash advance checks then contact your credit card company to obtain them. If you don't have a credit card, you may want to check out Credit Search Pro.com to apply for an instant approval credit card.

Payday Loans: If you need to get fast cash you can likely do so by obtaining a payday loan. But don't run out and get a payday loan if you don't have a plan for how to pay it back! If you have decided that you must get a payday loan then make sure you have proof of employment and a driver's license or other photo ID when you go to the payday loan store. As an alternative, there are online options for getting payday loans.

Pawnshops: It's easy to get some fast money from a pawnshop. Just take personal items that have some value to a nearby pawnshop and use them as collateral to obtain a loan. Gnerally, the loan will be about 10% of the actual value of your property. You simply give the pawnshop your items and the pawnshop will give you a pawn ticket. After that you pay interest on the loan. There are several repayment options.

The following will allow you to get cash quickly but will likely take a bit longer than the foregoing alternatives:

Certificates Of Deposit: There are two options to get quick cash from your Certificate of Deposit. You can cash it in early if you need immediate funds. The problem with doing that is that you pay a large penalty for doing so. Another choice is to borrow against your Certificate of Deposit. You can usually borrow up to 95 percent of the value of your CD. Before you decide to do this you should be relatively sure that you will be able to repay the loan.

Peer To Peer Loans: There are online peer to peer lending websites such as Lendingclub.com and Prosper.com where you can borrow money relatively quickly if you qualify. A borrower pays an interest rate based upon his creditworthiness. Borrowers can apply for loans that range from $1,000 to $25,000. The funds borrowed can be used for many things including auto purchases, debt consolidation, and personal loans.

Sell Something: If you must make some cash quickly and you have something of value then you might think about selling it. One option is to sell items on Craigslist. Craigslist.org is an online classified ad website where you can list property for sale. It is usually free to list your items for sale and it only takes a few minutes to get your ad set up. The great thing about Craigslist is that you will get paid cash. And, since most transactions will be local you are able to complete them quickly.

If you want additional information regarding any of the foregoing cash now methods, please visit Quick Cash Corner.com today.




Visit us at [http://www.cashnowspot.com].





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2012年2月24日 星期五

How to Search for the Best Certificate Deposit Interest Rate?


Everyone wants to earn money as easily as possible. One of the easiest ways of acquiring new funds is to shop around for the best certificate deposit interest rate available. In order to ensure that you are getting the best deal possible you need to do the following:

First, check your current certificate deposit interest rate as well as the time length on that rate.

Second, Look inside of the bank your currently are doing business with. Your banking institution may offer varying interest rates based upon the amount of monies within a CD. It may be more beneficial for you to combine two or more certificates of deposit into one larger CD to receive the higher interest rate.

Third, see if the term of your CD can be extended. This is an excellent way to ensure that a great rate you have continues for a longer duration of time or to secure a higher certificate deposit interest rate because you are investing more over a longer period of time and bumping you up to the next interest tier level.

Of course, if you are getting the best interest rate that you can from your current institution, it is time to shop around and see what other banks and financial institutions can offer you. Like any other profession, the banking industry is a business and they need customers to survive. Compare what another bank can do for you using the rates of your current bank. Ask questions and see what this new bank can offer you that are positive to the restructuring of your assets. A little bit of investigating could easily ensure that your CD interest rate will be increased.

Before you make any moves with your money, you need to consider banking regulations and whether changes to your CD will incur penalties if you decide to roll them over when the CD comes up for renewal. If it is more advantageous to incur a small withdrawal fee in order to acquire a CD with greater interest payouts to you, you have to do what is in your best financial interests, even if it costs a little to make much more.

When looking for information related to interest rates, don't just focus on one source but do a little bit more research so that you are aware of various perspectives. In this information age we live on, there's a lot of valuable input you can find on any subject so take your time to find out what you need. Because of this, we have gathered some information for you to save you some time since research is always difficult. Yet without proper research there is no way to acquire the material you need to understand. Please see below for more information on Certificate Deposit Interest Rate.




For more information on Certificate Deposit Interest Rates or visit http://www.interestratespro.com/Articles/Certificate_Deposit_Interest_Rate.php, a popular website that offers information on Interest Rates. Please leave the links intact if you wish to reprint this article. Thanks





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Find the Highest Yield CD: Here's How


Those who have been investing their money long enough are probably already familiar with certificates of deposit. However, for those who are not, here is a brief explanation on what a certificate of deposit is and how it works.

A certificate of deposit is an almost risk-free investment method that allows you to profit off your money. You can compare a Certificate of Deposit to a time deposit, wherein you, the investor, deposit a certain fixed amount of money to a financial institution for a fixed period of time. Since you are discouraged to alter or withdraw this money before the fixed period of time elapses or before the money matures, financial institutions offer higher interest rates as some sort of 'payment' for your inability to withdraw or alter that said amount during the fixed period.

Now, a certificate of deposit is a great idea but of course, there are certain factors that you want to consider plus, you want to make sure that you get a certificate of deposit with the highest interest rate and as such, you earn the most off your money. Here are a few options that you may want to consider when investing your money in a CD.

Use the Ladder Strategy

One downside to investing in a CD is the fact that you won't be able to access your money for that fixed duration of time. So just in case there is an emergency or you need that money fast, you will be given a penalty when you withdraw or alter that money you invest in a CD. You will still be allowed to take out your money, of course, but as penalty, the bank or credit union might withhold the accrued interest that your money has earned for a certain period of time (usually accrued interest for the last 6 months).

The best way to do this would be to use a ladder strategy. By laddering your investment, you are not just investing on one CD but rather, taking a couple of CDs that will mature in different period of time like in a year, or two apart. This way, you can still access your money with a part of it still earning interest.

Fixed or Variable Interest Rate

Before you invest your money in a CD, financial institutions give you the option on whether you want a fixed or variable interest rate. When you go for a fixed variable interest rate then you will be protected from plummeting interest rates and such but at the same time, you won't be able to enjoy the benefits of rising interest rates. This is really more on your preference and if you think that the fixed interest rate is high enough to satisfy you.

Don't withdraw the interest

You will be given the option if you want the accrued interest deposited in your savings or checking account. The best way to earn more off your money is to not do so and let the interest be added to the principal. By doing this, you are increasing the amount that interest is being paid of.




Jane Sanders writes at Certificate of Deposit Rates about getting the best CD rates. Read our Highest Yield CDs article here.





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IRA CD is a Safer Investment - But Will Limit the Money You Have When You Retire


As the stock market has been causing many investors to cringe over their losses on a regular basis, people start looking for safer options for their retirement funds. Fixed rate IRA Certificates of Deposit is an option that attracts many investors for building their retirement nest eggs, but there are four reasons why IRA CDs (even those with the best IRA rates) can limit the amount of money you have when you retire. All investors are faced with this decision - put your money in a safe retirement option, so you know you won't lose what you're saving; or look for other options with higher returns (but with higher risk!). Here are the four reasons why your IRA Certificate of Deposit will limit the amount of money you have when you retire:

1) Low Fixed Rate of Return on Your Investment. When compared to other investment options, an IRA CD has zero risk, but the rate of return you'll earn on the money you park at the bank is low. Banks know you're going to deposit the money into your IRA CD and forget about it until it's time to make your yearly contribution so they're happy to pay you a fixed interest on that money.

2) Your Money Earns the Financial Institution an Equal (or better) Rate of Return. While your fixed rate IRA CD guarantees you have a fixed rate (although low) on your retirement contributions, your money is also making the financial institution that same rate (or more). Other investment options allow you to earn much more of the total rate of return that you may want to consider rather than sharing the earnings of your money with the bank.

3) You're Not In Control of Your Investments. When you get an IRA CD through a bank, broker or financial institutions, you don't get to manage your own investments. The financial institution is in control, which allows them to profit from your contributions, as well.

4) Most IRA CD's Invest in Common Securities. Stocks and mutual funds experience the ups and downs of the market shifts every day, which is why you may shy away from the stock market. But common securities are what most IRA Certificates of Deposits invest in, too.

Many investors see the benefits of an IRA Certificate of Deposit to be a guaranteed rate of return, year after year. They know the money they contribute will be there, plus a little more, when they retire. There are other investors who consider IRA CD's, even those with the best IRA rates, to be a complete waste of investment dollars that would be better off earning you higher returns somewhere else.

One way to diversify would be to set up your fixed rate, guaranteed and FDIC insured deposit accounts, and then contribute a portion of your retirement savings into another option that may earn you a higher return. One possibility that interests many investors is the self directed IRA. Self directed IRAs allow you to choose where to invest your money and how to invest it, and you have a wider range of investments from which to choose from. In addition to common securities, your investments might include mortgages, businesses, real estate, or alternative fuels and green technology.

Despite the "self-directed" name, you still have a custodian to hold the funds and file required paperwork, and ensure you are within governmental regulations. Self-directed IRA's can experience returns between 12 and 30%




Debra Dragon is a freelance writer for DepositAccounts.com She writes about how to make your money work better for you through various deposit accounts, including savings accounts, interest checking accounts, IRAs, and money market funds.





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2012年2月5日 星期日

A Historical Look at Guaranteed Investment Certificates


Guaranteed investment Certificates, (GIC) are Canadian investments that provide a guaranteed rate of return over a fixed period of time. GICs are normally provided by banks, credit unions, and trust companies.

The earliest forms of guaranteed fixed-income investments included such investments as bank notes and mutual funds. The first Canadian fund, Canadian Investment Fund Ltd. (CIF), was established in 1932. It changed its name to Spectrum United Canadian Investment Fund in 1996, and this fund changed name at the end of August 2002 to CI Canadian Investment Fund. Investing in guaranteed investment certificates, or GICs, has been the safe and sound choice from the time when registered retirement savings plans became available in 1957. GICs were created to give people a guaranteed return on an investment. Back in the 1970's, interest rates on investments were higher averaging about 7.7 per cent and as much as 15.8 per cent in 1982. Part of that high interest rate was due to higher price inflation than today.

Interest rates are lower now. Over the past five years, GICs with a five-year term have paid an average of less than 3 per cent a year. Because Guaranteed Investment Certificates are low risk, there is normally a lower rate of return. With a GIC, the financial institution will borrow the person's money for a specified amount of time which can be six months, one year, two years, or up to 10 years. When the GIC period has ended, your initial investment will be returned plus any accrued interest.

To own a GIC you must deposit at least $500.00. When the period has ended, one can then cash them as taxable income or renew it for another term. If you cash out before the term as ended, you will be required to pay a fee. GICs tend to pay a higher interest rate than bank savings accounts, but less most other investments. Interest rates tend to range from 1-9%.

There are other types of GICs such as Market Growth GICs. Their interest rates depend on the rate of growth in the stock market. This is a bit more risky as the market rates tend to fluctuate. Just like regular GICs, Market Growth GICs are low-risk because your original investment is guaranteed to be returned.

GICs are a popular investment choice due to their safety and security, guaranteed growth. (The interest rate is guaranteed with fixed-rate GICs,) flexible terms, and flexible payments. With some GICs, you can decide how you collect the interest you earn, such as monthly, annually or at maturity.

Guaranteed Investment Certificates make for a sound investment if you want a protected place to save your money. GICs could be used as a part of a fixed income portion of your portfolio, used for retirement supplemental income, or just to hold your money until you come up with a number of long-term financial strategies.

Guaranteed Investment Certificates have had a long history of providing Canadians with low risk financial planning investments for retirement or other investment endeavors. Investment portfolios will benefit from having an investment with a guaranteed rate of return. As well, these investments are often selected during periods of market volatility.




Whether you're looking for mortgage rates or great GIC rates, with Meridian Credit Union you'll have a customized financial plan that makes sense for you.?Just for you.





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Be Prepared for Testimony With an Expert Deposition Checklist


I have a 3rd degree black belt in jujitsu, with many related studies of other martial disciplines. Skills I learned in the dojo have served me quite well over the years of being an expert witness. One attorney even hired me for a 250 million dollar lawsuit because he felt that this background would enable me to more calmly react to what he expected to be an aggressive testimonial experience for any expert.

What may be simple for me to resist might be impossible for someone without the necessary preparation. This applies equally well to a physical attack by an opponent on the mat or a verbal attack from a lawyer in a deposition or trial. Anticipation of these kind of questions is fundamental to a martial artist's training. As an expert witness, you will need to similarly anticipate what lawyers may ask you regarding your work, your background, your investigation, your report, and your testimony.

Lawyers often prepare their questions by creating a starter series of generic questions in the form of a checklist. You should peruse the Expert Deposition Checklist found at the link in the resource box below.

Although your C.V. may already contain many of the answers, you should expect that they may ask you in deposition or trial to answer these questions nevertheless. Lawyers will often start by asking you personal questions regarding your professional background and job experience. You should know these things instantly. Questions about education, licenses, and certifications are also fair game, and you should have the answers at the tip of your tongue. Questions about your publication history and any prior expert witness experience are natural follow on questions. You should equally be instantly conversant and ready to answer confidently about all of these. If you were a attorney, what would you think of an expert who hemmed and hawed about a book (s)he spent a year writing, or a job (s)he spent three years working at?

You should have kept careful records regarding your specific retention in each matter in which you are an expert, and in which you have been retained as either an expert witness or expert consultant. You should be fully ready to express your expert opinions when asked. As the questioning becomes more detailed, and the dangers of weak responses become more obvious, you need to have pre-thought out reasonable answers to potential questions. For example, the Checklist ends with a section about verbal directions from attorneys. Some of the possible conversations you had with your retaining attorney may be problematic, and some of the potential actions of your retaining attorney could very well be damaging, such as attempts to influence the specific content of your expert report.

The checklist does not contain the answers. But it does include a significant number of questions that lawyers are taught to ask or consider asking. If you read through it with an eye toward your own answers, you will be well prepared for the possibilities. Your success during depositions and trials relies greatly on preparation and anticipation, exactly as it does in a martial arts context. All in all, the referenced expert deposition checklist is a useful resource for your preparations for both depositions and trials. Read it completely to better prepare for the scope of an attorney's questions in both settings.




Judd Robbins has been an internationally recognized expert witness since 1986 in the US and in the UK. He has testified in State and Federal courts and has been featured as a testifying computer forensics expert on MSNBC, Court TV, and Tech TV. His cases range widely from intellectual property infringement to murder. He has been a best-selling author of more than 30 training and computer books and has created more than 25 training DVDs and videos. Robbins has advanced degrees from UC Berkeley and the University of Michigan, has been an Information Systems manager and an Education Systems manager, and consults in both computer and legal issues. Mr. Robbins has created a series of books and other training materials for expert witnesses. This and other details about Mr. Robbins can be found at http://www.juddrobbins.com

The original deposition checklist can be found on the web at:
http://www.daubertontheweb.com/Deposition_Checklist.htm





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2012年2月4日 星期六

CD (Certificate of Deposit) Accounts


Certificate of Deposit accounts are a an extremely safe situation for you to deposit your money. Educating yourself about CDs is a benefit to you if you want to keep your money safe and sound.

On one hand there are a couple of facts that you need to know about a CD from the onset. One is; they force you to leave your funds in the bank for a particular amount of time. In addition, they commonly have a higher interest rate than savings accounts.

Most banks want all of your money deposited with them. If they are not offering a good rate after you've shopped around, speak with an area manager. Sometimes to keep your money with them, they will make an exception. If not, move your money.

As you are about to open your CD Account, you will be given an option: length of time you want to 'tie' up your money. Remember, you are agreeing to leave your money in the CD for a certain period. This can be anywhere from 7 days to 7 years or more.

The rationale banks use; if you assign them your money to have and you assure not take it out before the end of the term, they can take that money and invest it. This makes them a bundle of money. So, they are willing to pay you a high interest so that you will choose to leave your money with them for a long time.

An addition to leaving your money for a certain term, there will also be a minimum amount to open your CD. Unlike a savings account, you can not add to it. You can expect some minimum amounts to open an account like this can be as much as $1,000.

An additional fact to find out is how your bank pays interest. Is is simple or compounded? Compounded means you are getting interest on interest plus principle. How often does your bank pay. Monthly, quarterly?

Many banks will offer you the opportunity of having the interest deposited into another account, such as your checking, but if you are trying to make and save money this isn't recommended. If you let the interest accumulate, you can wind up with a substantial amount after the term is up.

Also, keep in mind if you withdraw your interest along the way, you now have a different interest rate. If you leave it, it is annual percentage yield. If you keep withdrawing interest, this will affect the Annual Percentage Yield for the CD. Talk to your banker or accountant about this.

Once the agreed upon time frame is up, the money plus interest (if you did not take it out) is now yours to do whatever you want with. However, there is a 'grace' period after maturity, usually 7 days. So after the CD matures you have a certain amount of time to go to the bank and get your money. If you don't, the CD will renew itself. If you try to get it after it renews itself after the 'grace' period, you will be penalized.

CD (Certificate of Deposit Accounts)

Retirement USA provides complete solutions for your lifestyle Certificate Of Deposit Accounts




Ric Dalberri is a graduate of Columbia State University & has been involved in his own business (sold) employing over 100 people. Ric was also a top producer as a Financial Specialist for over a decade with one of the largest financial institutions in the U.S.
Ric is the founder of Retirement USA which provides complete solutions for your lifestyle. Please visit and sign up for the free newsletter.





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Best Rates For Certificates of Deposit


As we have written quite often, finding best certificate of deposit rates is no small task. Our goal is to save you some time and point you in the right direction. The FOMC (ie Ben Bernanke) are still promising to hold rates down for an extended period of time. So here are some rates that may soften the blow a bit.

Nordstrom fsb's interest rates are not the highest, but their customer service excels. I've heard nothing but good comments from those that have opened up CDs. For customer service I would give them a 15 out of 10.:O) In addition, they have excellent bank financials. The bank basically supports the credit card business of the Nordstrom department store and given their clientele, they don't seem to be having too much trouble with loan losses. Their current profit is a whopping 15% of assets. You won't see that very often.

FDIC# 33497 -- Star Rating: 5 (*****). They are located in Arizona, but will take a CD from anywhere in the Us with proper documentation, including trusts.

Nordstrom fsb has a competitive 1-year term and okay 5-year. One of the big draw backs is their large early withdrawal penalty. Also, I'm sure the above URL looks strange, but believe me it will save you a lot of time trying to track down the right section for the CDs. That is another potential frustration. The website is designed to feature the store and credit cards. The CD and checking account info is kind of tucked away.

Current CD Rates -- Minimum: $100,000

1-Year: 1.30%

3-Year: 1.80%

5-Year: 2.30%

Current CD Rates -- Minimum: $50,000

1-Year: 1.05%

3-Year: 1.55%

5-Year: 2.05%

Flushing Savings Bank, FSB comes out with good deposit rate specials often and their recent offering will not disappoint. They have a 4-star rating and tied with their offering makes it look quite enticing. It is an online only application, but they will take funds from anywhere in the US.

FDIC# 16049, Star Rating: 4 (****). Penalty: 6-Month loss of interest (5-year CD)

They use their online identity for the CDs: igobanking [dot] com.

Flushing Savings Bank has a very strong 2-year and 3-year rate. There are some good and bad reviews out there. Some noted an easy time at the beginning and then subsequent CDs were more difficult. Primary frustration was a rate drop during the time it took to get the CD set-up and the bank not honoring the higher rate. Of course in a falling rate environment that is frustrating, but what if the rate had increased would they still complain?!?.

1-Year: 0.50%

18-Months: 1.50%

2-Year: 2.25%

3-Year: 2.25%

4-Year: 1.00%

5-Year: 2.50%

North American Savings Bank is another strong player in CD Rate late. Their financial health also looks really good, so your CD is more than likely going to last the term. It is an online only application and they will take regular personal funds from anywhere in the US. They use to take IRAs and trust accounts, but it was too much hassle for them.

FDIC# 9708. Star Rating: 5 (*****). Penalty: 6-Month loss of interest (5-year CD)

North American Savings Bank has a strong 14-month rate, but that is about it. There are other higher interest rates out there on the other terms.

14-Months: 1.51%

30-Months: 1.50%

3-Year: 1.70%

4-Year: 1.70%

5-Year: 2.05%




Chris Duncan is a FINRA Registered Representative. He works for Jumbo CD Investments, Inc., a leading CD research and placement firm. He specializes in helping clients find the highest CD rates nationwide. His clients include individuals, financial institutions, corporations, and public agencies. Visit us for Credit Union CD Rates

Also check out our new section of Featured Banks





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2012年2月3日 星期五

Cash in Or Borrow From Your Certificate of Deposit to Get Quick Cash


There are two ways that you can get quick cash from your Certificate of Deposit.

Most people are aware that they can cash in their CD early if they need access to immediate funds. Of course, the problem with doing that is that you will pay a hefty penalty for doing so. The penalty for early withdrawal differs but usually it is between three to six months' interest. But cashing in your CD isn't the only alternative that you have to get cash from your CD.

Another option is to borrow against your Certificate of Deposit. You can generally borrow up to 95 percent of the value of the CD Before you decide to do this you should be relatively sure that you will be able to repay the loan. Otherwise, you may lose part or all of your investment. That being said, this is a quick, flexible, and low cost way to get some fast money.

The good thing about using this method is that the CD will still earn interest for you during the life of the loan. The interest you pay on the loan will be 2-3 percent above what you are earning on the CD. However, note that you will also have to pay a loan origination fee.

You should also be aware that most banks will only lend you money against CD's that you have in that particular bank. These days you'll have a difficult time going to Bank 1 and asking them to loan you money on a CD that you have in Bank 2.

Naturally, each bank differs as to repayment terms. However, your repayment choices will likely be varied and flexible. You will probably be able to pay principal and interest, or principal only, or interest only.

Before deciding whether or not to borrow against you CD, you should compare the cost of the loan against the cost of the penalties associated with a cash out of the CD.

Here's Hoping Some Quick Cash Comes Your Way!




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Are Your Bank Deposits Safe? Financial Facts - What You Need to Know About Your Savings


If your bank deposits are covered by the Federal Deposit Insurance Corporation (FDIC), your money is safe up to $100,000 personally and $250,000 in eligible retirement plans. In fact, depending on how you have structured your accounts, coverage can significantly exceed $100,000 per bank. We have been negative on the outlook for U.S. Bank stocks since early last summer, but FDIC insurance has added a level of safety since its inception shortly after the Great Depression. Social Security and greater flexibility by the Federal Reserve to inject liquidity into the financial system are two other key safety measures helping to prevent another 1929-type collapse.

One of the biggest risks regarding this country's current financial malaise is more from a "crisis of confidence" in which worries about the banking system creates a run on certain banks, forcing otherwise solvent banks into insolvency.

This is one reason the Fed acted so swiftly when problems erupted with Bear Stearns in March, and more recently, took measures to instill confidence in both Fannie Mae and Freddie Mac with promises of financial backing. Only a year and a half ago, the number of troubled banks on the FDIC list were at record lows, as most banks were enjoying record earnings and soaring stock market valuations. Excess liquidity brought on by historically low interest rates coupled with relaxed, or non-existent, loan covenants created a massive bubble in real estate that has pushed a growing number of banks to the edge. This problem was many years in the making and with real estate representing approximately 60% of all bank assets, investors should not expect a dramatic turn around anytime soon. It is important to keep in mind that the plight of many bank stocks, with many down 70% or more over the past year, does not necessarily correlate with the safety of your deposits in these banks. As long as you make sure all of your bank accounts are FDIC insured you will be fine, and there is definitely no reason to panic. But what are the rules and stipulations of FDIC insurance?

FDIC insurance was started in 1933 after thousands of banks failed following the stock market crash of 1929. The deposit insurance coverage was initially set at $2,500 and steadily increased until it was raised to the current amount of $100,000 in 1980. The FDIC has the power to increase the insurance limits on all deposits every five years, based on inflation, but has demonstrated a very conservative stance by electing not to do so.

In April of 2006, the FDIC established $250,000 of insurance coverage for deposits that are held in IRA and select other retirement accounts. It should be noted that accounts not covered by FDIC include mutual funds, annuities, life insurance policies, stocks and bonds. In addition, an uninsured money market mutual fund should not be confused with an FDIC-insured money market deposit account.

After the first quarter of 2008, the FDIC released its list of 90 troubled banks, up from 53 in the first quarter of 2007 and 76 in the fourth quarter. Very few banks that make the list are destined for failure. Among all the troubled banks listed last year, only three actually failed. The recent collapse of IndyMac was a shocker to many, as the bank wasn't even on the FDIC's watch list. After its failure, it was reported that IndyMac received 100% of FDIC insured funds, and 50% of non-insured funds. Many times in the past, uninsured deposits have been partially insured, but there is no guarantee that trend will continue. For trust account holders, depositors have to wait to get their deposits until the beneficiaries of trusts can be verified.

It is important that you take the necessary steps to help navigate through this crisis:

1. Don't panic. Confirm that all of your assets in banks (savings accounts, checking accounts, money market deposit accounts and certificates of deposits) are insured up to the $100,000 per account and $250,000 per retirement account. For example, make sure if you have a joint account with over $100,000 that it is structured properly to receive up to $200,000 of coverage.

2. Establish a secondary banking relationship to have liquid assets (emergency money) available from two separate sources, should your bank become insolvent. This can also be helpful to compare yields and fees to make sure you're getting the most from your bank for every dollar of savings. Remember that insured deposits in trust accounts may not be immediately accessible and recovery of broker CDs may also experience delays.

3. If you have considerable assets, consider the Certificate of Deposit Account Registry Service (CDARS), a program designed to accept deposits of more than $100,000 and still receive FDIC coverage by spreading funds among many FDIC insured institutions. Your deposits can be insured for up to $50M with CDARS without having to set up accounts at multiple banks.

One final point - as with all banking relationships, yields are negotiable. The current credit crisis has created strong demand for loyal "credit worthy" clients so investors have never been in a better position to negotiate the best rates, and lowest fees, for each banking deposit or service.




Article presented by LanczGlobal.com

Alan B. Lancz is a nationally recognized authority on investing and financial analysis. He is the president of Alan B. Lancz & Associates, Inc. (http://www.ABLonline.com), a registered investment advisory firm and Director of Research at LanczGlobal.com (http://www.LanczGlobal.com).





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2012年2月2日 星期四

Birth Certificate Copy - The Untold Value


Unfortunately birth certificates are rarely acknowledged for their importance, until you need them. A copy is perhaps the most valuable piece of paper you can have, aside from the original document itself.

Many processes require a birth certificate. A child enrolling in school needs to have this document. You cannot obtain a driver's license without it. Even replacing your national insurance card, or opening most bank accounts without your birth certificate are exercises in futility.

Because our lives are a shuffle of paperwork and documents, a birth record is easily lost - sometimes, even easily stolen. A move is one main way to lose this document, but an unexpected fire, a flood or other natural disaster, and even accidental disposal are ways that a certificate can be lost. When a child needs documentation to be enrolled in youth sports, the best way to do this is to send him with a birth record copy, protecting your valuable original. The same holds true for you, so that an accidental misplacement does not become an issue.

Keep the original in a safe place, preferably not in the home! A safe deposit box is a likely place to hold all valuable items that you do not want to lose due to an unfortunate event. Also, it is a good idea to keep the birth certificate copy in a safe place as well, though it hardly needs to be placed in a bank vault when the original is already there. Identity theft is on the rise, so try keeping it somewhere other than your wallet or purse for safe-keeping, only bringing it out when it's really needed.

A birth record is a record of a child's birth, documenting such information such as time of birth, weight, where the child was born, and various other data. Birth certificates are usually issued numbers as well, which is another form of identification. These important documents are needed to prove such things as age and nationality. Very little of the activities we do that come under any type of government scrutiny, such as school enrollment, military enrollment, and even securing a passport in the UK, are all impossible to do without proper identification.

It's inarguably an intelligent act to obtain a copy of your birth certificate because emergencies do come up, and you do not know when you may need this document at any given time. Almost everything we do is directly affected by our ability to prove who we are. Remember to keep important documents in a safe place, and have backup copies in case they are needed at some point. Don't leave your documents in an unsecure location, unless you are willing to risk the rising tide of identification fraud. Always keep copies of your certificates to keep your originals safe.




If you need a birth certificate copy in less than 24 hours then check out AncestryShop as they can email you a birth certificate replacement which will be with you in less than a day.





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A Quick Look Into SSL Certificate Reselling


In the broad and lucrative field of web hosting, one area that has not been touched on as often as the various other aspects is SSL certificate services reselling. This is a subject that may be well worth your time and effort to investigate as it can greatly increase the value of the services that you can offer to your clients. This will in turn have the possible effect of increasing your client base substantially, which will of course result in greatly increasing the income that you can realize from this particular business.

Many people who are just beginning to get started in this whole reseller web hosting business are quite content to provide only the most basic web hosting services to their clients. While there really is nothing wrong with that and many people have indeed already racked up a considerable track record of successful ventures by focusing on that aspect alone, you may find that the relatively meager personal investment in terms of time and finances that will allow you to offer SSL certificates to your customers could very well be worth the extra effort.

A quick glance through the results page of your search engine will yield dozens upon dozens of companies offering SSL certificate reseller packages many of which are a tremendous value. Imagine not only being able to offer all of your clients web and domain hosting but SSL certificates as well in one convenient package. This will serve to make your company stand out in a sea of similar looking web hosting services that only offer the same basic feature sets over and over again.

If you are already in the business of providing a comprehensive set of web hosting solutions to your clients and have been doing so for quite some time, you will probably have no need for a package that offers web hosting services combined with SSL certificates. In this case you may prefer to purchase a package from a company that deals with SSL certificates exclusively. In this way you will have no competition when it comes to offering web hosting solutions with your own customers.

To simplify matters greatly it may also be worth your while to look into a package that allows you to integrate SSL certificates into your existing services profile seamlessly. Many companies do offer this and it is a great way to avoid any difficulties later on.

It is surprisingly easy to begin offering SSL certificates to your customers as many companies offer very attractive packages with extremely low start up rates. Some will even offer packages with zero cash outlay on your part. These packages will typically only charge you for each SSL certificate that you sell to your customers with no unreasonable obligations such as account deposits. Of course there are still companies that require these non-refundable account deposits so if you encounter any of those in the course of your SSL certificate reseller program hunting, you may want to steer clear of them.




The author has been writing online articles since 2006 as well as publishing websites on a number of topics since 2004. Check out the latest website about Laparoscopic surgery, sometimes also referred to as minimally invasive surgery. Please visit LaparoscopicSurgeryGuide.org for more information.





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2012年2月1日 星期三

All About CDs (Certificates Of Deposit)


When the richest people in the world are asked to give advice about how to earn and retain money, their response almost always resounds with the same principles: Your money should always be working for you, instead of you working for it.

The ideal situation is to put your money into something with a high rate of return. Then, while you are enjoying life, your money is constantly returning more. One option is to put your money in a CD (Certificate of Deposit), which is a type of account offered by many banks. They don't work like regular bank accounts. So if you've been contemplating ways to make your money work for you, read on.

CDs are characterized by being registered for at a fixed amount of time. When you put your money in, you tell the bank that you are going to leave it for a certain amount of time. The most common amounts are 3 months, 6 months, or any amount of years up to 5. The specific interest rate is set at the beginning, and does not change over the period of time.

The money in the CD is held until it 'matures', at which point the customer can withdraw it without bringing about any fees (which are applied if he or she withdraws before the date of maturation).

This may sound like a bad deal, but consider this: since the customer has to put up with having their cash unavailable for so long, they have their diligence rewarded with a particularly high interest rate. This is the aspect that attracts people to using CDs. Since they are offered by regular banks, they are completely insured. This makes them an almost entirely risk free investment, as long as you know you won't need the money.

If you've got a large sum of money sitting around and you're not doing anything else with it, then you should make every effort to put it to work. Some people are not cut out for high risk investments like the stock market. If this is the case, then the calm assuredness of CDs could be perfect for you.

Talk to people at your local banks to find their specific terms and conditions for CDs. Look for things like flexible liquidity, high interest rates, and time periods that suit your needs. Hopefully you will find something that is perfect for your finances, and will put your money to good use.




Find great cd rates at http://www.gotalkmoney.com/





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Certificate of Deposit


Certificate of deposit or also know as CD is a time deposit, financial goods that are offered by credit unions, savings institutions and banks to the consumers. Certificate of deposits are virtually free of risk as they are similar to the savings account as they are insured. Howsoever they are bit different from the savings account as they are fixed for specific period of time (that can be from three months even five years i.e. user specific) and of fixed rate of interest. It is anticipated that CD is to be held by the customer until is matured and only then it can be with drawled from bank with the given rate of interest. They are also called a fixed deposit which is made in banks. This is a way of collecting money by the banks from its customers for the purpose of lending. This brings money in the market and it helps increase liquidity in the market which makes it an integral part of the market.

In this exchange of keeping the money in deposit section on an agreed term, banks pay us the interest but the question where do they get the money to pay interest, the answer is simple they collect the money from customers and lend this money as loans at higher interest rates to firms and people. Usually there are fixed rates in CD but banks also offer variable rate. Other than local banks CD are also offered by the independent sales person and also brokerage firms to the investors that are going for safer investments. These sales persons are called deposit brokers. Mainly these brokers offer higher interest rate on CD by assuring to get specific amount to the institution.

However early withdrawals i.e. before CD is matured as a rule are subjected to considerable penalty. These penalties make sure that the investor's best interest is not to withdraw its money until it is of utmost importance. Usually banks mail notice to the investor that its CD matures shortly and further directions are required. Notice mainly offers the principal amount along with the rate of interest or rolling it over i.e. depositing the total amount into another CD. Generally there is a given time after the CD has been matured that the CD holder can collect the cash without paying any penalty. The more the duration of the deposit, the more interest it fetches.




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Certificate of Deposits Make the Best Investment Plan Ever


If you are a person who has realized the importance of investments and if you're thinking about investment plans that could be very beneficial to you, you would then need to consider investing in certificate of deposits. Certificate of deposits or CDs, as they are commonly referred to, are one of the best investment plans available for any investor who wishes to have the best out of their investment.

Such deposits are for a minimal period of one year thus making it very useful if you need to withdraw the earning or earned interest after a year. You need to know that the earning of a certificate of deposits is definitely taxable each year. Depending on the tax bracket you come under, the earnings are thus taxed are directly affecting your returns. Just like most other investment plans, the return on investment earned by these deposits are purely based on the time frame of maturity and also the market fluctuations. If you let the deposits or the investments mature for a longer period of time, you can be rest assured that the returns are higher.

Certificate of deposits are definitely the answer for short term investment plans, but that does not mean that they are flexible or liquid as some of their other counterparts. When you invest in a CD, you are bound to have your investment locked in for that period of time. You can not break your investment or take a portion of the principal amount during the lock-in period. If you do withdraw the returns before maturity, you would have to incur a substantial penalty. Certificate of deposits are also prone to be affected by rollover rates during the time of maturity and withdrawal of the earnings.

As for the security of your deposits with this investment plan, you can be rest assured that your money is very safe. Each certificate of deposit holder is protected by the government through FDIC or the Federal Deposit Insurance Corporation. Currently, the Federal Deposit Insurance Corporation has set an upper limit of $250,000 as insurance for each depositor. In any circumstances, if your bank goes into a loss or due to certain unavoidable circumstances or if the bank is not able to honor your investment, you would still be insured for the above stated amount that would be paid to you by FDIC.




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