2012年3月16日 星期五

How to Use a Safe Deposit Box


Most of us do not have the money to have fire proof safes built into our homes. We can purchase small ones, but they are subject to theft, as when located, they can just be carried out of our homes. For this reason, many people rent secure safe deposit boxes. There are companies that specialize in this type of storage, or you can rent one from your bank. It may seem like an unnecessary expensive, but there are documents that are vital to your family that you must keep protected from both fire and theft. Unfortunately, with the increase in identity theft, sadly even within families, these documents are not even safe within our own homes.

WHAT YOU SHOULD KEEP IN A SAFE DEPOSIT BOX

Here is a list of some of the vital documents that you should keep in a safe deposit box.

- A copy of your will and any papers pertaining to your estate and last wishes.

- Life insurance policies

- Stocks and bonds

- The deed to your home

- Vital records, such as birth and marriage certificates

- A record of your personal property for insurance purposes, including pictures and

receipts.

- Small personal items of value.

There will come different periods in your life when you will need access to these important records. If you do not have them, you are creating a lot misery for yourself. If, on the other hand, you are organized and these documents are secure, dealing with the demands of insurance claims, death, and social security will be much easier.

It is hard to pay more money for your personal finance protection, but it is a form of insurance for you, your family, and the future. Insurance brings us peace of mind, and is always a good foundation for our security.




Nikki Willhite has been writing and publishing articles on the Internet on the topic of Frugal Living for over a decade. Visit her at http://www.frugalhappyfamilies.com, where you will find hundreds of frugal living tips and articles. Frugal Happy Families- more than just money!





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CD Ladders: Hedging Against Risk With Fixed Interest


The certificate of deposit has long been revered as a low-risk investment with a fixed income reward. It is often considered the fail safe investment of both pre and post retirees. However, a certificate of deposit, while less risky than many investments, does have its own set of risks that can be avoided with the right strategy.

What is interest rate risk?

Interest rate risk is the risk involved in any fixed-income investment that locks you in to a fixed interest rate for a set period of time. Because you are locked in to that fixed rate, you are at risk for missing out on the higher interest rates offered during your term.

Anticipating the Risk-and Protecting Yourself against It

There is an easy way to hedge against interest rate risk, and that is by creating something called a CD ladder. With a CD ladder, instead of investing all your money in one CD that is locked in for one term, you spread your money out into several different CDs with graduated maturation dates.

For instance, let's say you have $20,000 to invest in a CD. You can invest the entire $20,000 in one 5-year CD at a given rate. If CD rates increase in 12 months, you may not be able to capitalize on the increase because your early surrender fees could negate any benefit the additional interest would give you.

However, if you invest just $5k into a 5-year CD at a current rate, then invest the rest in small increments and varying maturity dates, then you will have CDs maturing throughout the years and will be able to roll that money over into new CDs at (hopefully) higher rates.

Facing a Financial Emergency with a CD Ladder

If you have a financial emergency and need to tap into your CD before it matures, then you may be charged a penalty. With a CD ladder, your CDs can be maturing often enough that you might not need to take an early withdrawal and pay a penalty when you run into financial need. Additionally, because certificate of deposit are so easy to renew, you can just roll the money over if you decide that you don't need it after it matures, and you will still be taking advantage of an improved rate you will likely consider savings accounts, certificates of deposit and money markets. Unlike CDs and savings accounts, money markets offer two different options-money market accounts and money market funds. Each offers different money market rates. Depending on which you choose, they might even have a variance between annual percentage yields and rates. While this might sound overwhelming at first glance, it is actually pretty easy to understand the difference between each money market type and rate structure.




Yolander Prinzel is a financial writer with over a decade of financial industry experience including as an underwriter, agent and director of marketing. She has written for a number of publications and websites like http://www.DiscoverBank.com, Advisor Today, and the International Travel Insurance Journal (ITIJ).





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2012年3月15日 星期四

Can a Landlord Hold a Tenant's Deposit?


There has been many different theories on this topic and I would like to clarify what landlords are legally allowed to do with a tenants deposit.

Okay so you have had a tenant move into your property and you have taken a bond/deposit in case they damage the property or cause you to have other costs (Non payment of rent etc.)

Previously landlords could hold the deposit themselves and take money should the tenant give them reason to do so. However a few rogue landlords took advantage of this and would keep the tenants deposit without reason, this instigated the government to introduce the tenancy deposit protection scheme.

The idea behind this scheme is that the money taken from the tenant as a deposit would be taken by the landlord or agent and sent to the government custodial scheme. This basically meant that the deposit was no longer in the landlords hands. Any disputes with owed money to the landlord would have to be taken up with the custodial deposit scheme.

Okay so this sounds fair but from a landlords perspective, this has its drawbacks! If there is money owed, the dispute can take a long time and may result in you battling to get what is fairly owed to you.

The scheme is very much in favour of the tenant and should a tenant go missing with owed money, a landlord has a hard time convincing the custodial scheme that you no longer have any contact with the tenant.

The reason for this is that the government scheme needs the tenant to confirm release of the held monies to the landlord.

So you ask...............can I get around this........the answer is YES!

You MUST under all cases have the deposit registered in the government scheme but you don't necessarily have to send the money for custodial holding.

A company called mydeposits allows you to hold the money yourself but will INSURE IT under the government scheme. This means that they will provide you and your tenant with a certificate. Should there be a dispute they will act as the intermediary.

There is a fee for this service but it is not much, and in my opinion is the preferred option for many landlords.

Letting agents who manage or let your property may try and take your deposit into the custodial scheme. You are able to request that you will hold and insure the deposit for them under your own insured scheme.

Hope this is of some help! Happy Letting




If you are a Landlord from either London or Swansea reading this we would like to recommend a new website.

London2let.com is an easy and cost effective way for Landlords to advertise their property to rent in London

Swansea2let.com is the biggest source of flats to rent in Swansea





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Are CD's With No Penalties a Good Thing?


There are certificates of deposits (CD's) available that do not accrue penalties for money withdrawals. These types of CD's also offer the consumer convenience and the option to benefit from better interest rates than your standard savings account. No-penalty Certificate of Deposits have been available to the consumer for many years and they are a popular choice amongst bank customers.

Getting the Guarantee

With the current state of the economy, a no-penalty CD will provide you with a guaranteed interest rate, as well as the ability to have convenient access to your cash, unlike a typical money market account where the interest rate can change. Along with the plus side of making withdrawals from your CD account without penalty, there is a downside because often the interest rate on a no-penalty CD account is much lower than with a regular CD account.

If you are looking for a place to keep your money safe, a no-penalty CD is a good choice but it is in your best interest to explore all of the options available to you first before taking action. If you are specifically looking to open a no-penalty CD account, you may find that different financial institution will refer to them by different titles. Each bank will also offer different terms and restrictions. Essentially, the only common factor between each facility when it comes to no-penalty CD's is that you can take out your money without having to pay a fee for the transaction.

Variation of Terms

Each bank will require a different amount of initial deposit. Commonly, the average deposit will range from $1,000 - $5,000. The terms and stipulations for minimum balances will change from bank to bank. It is important you read the fine print and understand the conditions before agreeing to commit to any one bank. Some banks will only allow you to open a no-penalty CD to customers who already have established a checking or savings account at the same institution.

Investigate the Time Period

There are also other regulations imposed by banks that may affect the time period of withdrawals without penalty. Some banks will allow you to access your cash after only a seven day waiting period. There are others that require you to wait an extended period of time - say, 90 days - after opening the account before you are allowed to withdraw funds without penalties being imposed. Depending on any needs you may have to access the money, you want to be sure you open an account that will work with your own financial requirements.

Research the Source

As you are shopping for rates and terms, keep in mind that such information changes frequently and you will need to be diligent about the information you are reading if it does not come from the banking institution's website or promotional materials directly. Check with the banks you are interested in dealing with and be sure to ask any question you may have about the in and outs of having a CD account. Be certain the terms and conditions regarding the no-penalty CD's are understood and applicable to your situation.

While a no-penalty CD offers liquidity, which is important to consumers during these economic times, it will always come down to what is right for the individual consumer. Terms and conditions that seem right for one person will not always be the best choice for another. Investing your money involves a lot of personal decision making so explore what is out there before committing.




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3月14日 星期三

CD Rates May Be Robbing You Blind


Beating the House - CD rates are low because it helps the banks make a profit.

Are CDs really the best place to "park" money? Besides liquidity (quick access) what benefit does your CD have? In the case of CD rates, there are great big penalties that are forced by the banks or institutions offering the certificate of deposits; most of the time, we aren't disciplined. We don't think long term to let our money grow. Is it any surprise that 60-70% of Americans aren't prepared for retirement. No wonder 65% of Americans are worried about Retirement!. If your money is supposed to grow shouldn't you make sure you leave your money alone so your money can go to work for you. If your funds were untouchable for 6-12 months and you could still receive returns of 11-15%, why would you pass that up?

You may not realize it, but banks are doing the exact same thing with your CD money when you put it in the bank. Almost immediately the bank turns around, deposits it, and loans it out to someone else for a much higher rate. Why not cut out the middle man? One more detail that is more often than not unnoticed is that the interest rates for CDs are generally equal to to the inflation, which negates the idea that CD rates increases money intended for the investors. If your CD isn't beating the CPI or PPI by 1-3% you're probably losing money rather than securing it.

The feeling of security. Isn't that the lone saving grace for CDs? But as the CD's rates are desirable only in case of less significant banks or institutions, the notion of them being safe is offset. After you compare CDs with high yield private mortgages, the later trumps in all aspects: High yield private mortgages gives much larger returns making it an delightful investment option, and although the Federal Deposit Insurance Corp (FDIC) insures CD deposits, many citizens are bothered that the Federal Deposit Insurance Corp. (FDIC) is running in the red. Compare that to a mortgage which is protected by a portion of real estate as a rule worth 1-2X more than the mortgage. When you consider the benefit of operating a high yield private mortgages, it ranks way higher than CD rate as well as any other investment option.

As I type this, the FDIC is in the hole 8 billion dollars and Bank of America is putting warnings in their branches indicating they're not insuring some accounts above the required minimum of $100,000. Hows that for security?

One thing to consider. Since the early 1900's, homes have survived the depression, the stock market crash, booms busts and other economic issues. Regardless of how bad things are today - they will improve! Literally billions of people look at our way of life and want it - who doesn't want a place of their own. Why not name your own rates and get in on the biggest fire-sale in history and start earning what you're worth? We have several friends who have done this and have had great success they said they'd be willing to sit down with us and share their experiences.




Jason Gray is a Real Estate Entrepreneur started out with humble beginnings. At age 35 and nearly retired his goal is financial literacy for all Americans. To find out more about High Return Private Lending Ideas and get free educational materials, to to http://BetterThanBankCDs.com or click CD Rates.





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What are CD Rates


For people who are looking for a way to invest their money, one of the most important considerations they look into is the return that they would get from the investment. This is because investors would want to invest their money in something that would give them the highest returns. However, investors are also wary of the security that the investment provides, as they also want an investment that is relatively low risk. Given this, investors are always on the look out for investments that offer both decent returns and minimal risk. The good news is that there are a number of investment options that people can take, which fit this profile. Among these, one of the most popular is investing in a certificate of deposit in banks or other financial institutions that offer them.

What determines the returns on a CD?

Investing in a CD involves lending to banks or other financial institutions an amount of money that the investor cannot withdraw for a certain period of time. In exchange for not being able to withdraw the investment for a period of time, investors are assured of a predetermined rate of interest that the bank would pay the investor on top of the principal amount of investment when the CD reaches its maturity. In addition to this, investors can also gain access to higher earnings from the investment if he opts to get a CD with a longer maturity period because the interest rates on them are higher. This means that the earnings from a CD are solely dependent on the rate of interest that would be given to the CD. While the factors that determine the CD rates include the length of maturity and the current interest rate environment.

Risk

With regard to the risk involved in investing in a CD, most investors and experts consider this kind of investment as one of the ?safest? investment options. This is because apart from the fact that an investor is assured of fixed earnings, which means that the principal is not at risk, CD investments are protected by the Federal Deposit Insurance Corporation.

For all investors, one of the biggest considerations in picking an investment option is the return that they would get from the investment. However, another equally important consideration is the risk that is involved in the investment. The good news is that there is an investment option that can offer decent returns while providing very low risks, which is investing in a CD. This is because investing in a CD assures the investor with a fixed rate of interest and the government insures these kinds of 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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Self Certificate Mortgages - Prove Yourself!


Bank managers are probably the most risk-averse individuals you are likely to meet - without proof of a regular salary and sound financial track record you may presume a frosty reception when you ask about borrowing. However, there are options available for people who don't conform to the norm.

If you are self-employed or have an erratic income, you can consider a self-certified mortgage. As the overall mortgage market has become more flexible and competitive in the past few years, the amount of lenders offering self-cert mortgages has increased. Whereas they used to be the preserve of specialist lenders, and come with pretty strict terms and conditions, you can now find self-certs from most of the major high street banks and building societies.

The set up

Normally, lenders will look for a larger deposit when you take out a self cert mortgage - 25% is usual. As far as proving your earnings, some lenders such as the banks and building societies, will look for certified accounts for the last 3 years. They may also require bank statements and carry out credit checks. However, there are some mortgages available where the lender only asks for you to verify that you can afford the repayments.

Who's it for?

This type of mortgage usually caters for self-employed people, but there are others who can benefit. People who work overseas, or who earn bonuses that do not show as part of their salary may choose to self-certify. Business owners and company directors sometimes award themselves a minimal salary, but have a larger income through dividends, for example. This can be useful when it comes to tax management, but make finding a conventional mortgage harder. If you have an erratic income, you may want a more flexible mortgage that allows you to increase or decrease your monthly payments according to your current situation.

The drawbacks

You may find the terms less generous than with other types of mortgage, and the lender may apply Higher Lending Charges or an indemnity to protect them. The FSA recently highlighted the disturbing trend of some brokers encouraging borrowers to inflate their reported income in order to gain a larger mortgage. Remember it is a criminal offence to lie about your income, and over-estimating what you earn could mean that you find yourself with monthly repayments that you cannot afford. If you are subsequently unable to meet repayments your home could be repossessed.




Joseph Kenny writes for the Loans Store and offer more information on personal loans and other loan topics available on site.
Visit today: http://www.ukpersonalloanstore.co.uk/





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2012年3月13日 星期二

Should You Exchange Liquidity for the Best CD Rates?


Certificates of deposits can't be withdrawn from without penalties, so is it worth it to set up long term accounts for the best rates?

Certificates of deposits are by far on of the safest investments available. While they may not offer returns that are comparable to the stock market, there is virtually no risk involved. Cd rates are almost always higher than the interest that can be earned by a savings account, and they are competitive with treasury bonds. Some of the best rates are offered by certificates of deposit that have a longer maturity period. Money can't be withdrawn from the account before the maturity date without penalties, so is it worth it to invest in the best CD rates, or is it smarter to set up an account with lower rates and a sooner maturity date?

CD Rates and the Future

The biggest disadvantage of a certificates of deposit is the fact that the money can not be withdrawn before the maturity period without facing penalties. This means that it is often better to put emergency funds in a more liquid account such as a savings account. If you feel that there are enough funds in your savings account to protect you during an emergency, it might be worth it to invest in accounts with the best CD rates. There is one thing to take into consideration, however, which is the fact that CD rates change.

Certificates of Deposits and the Influence of the Economy

To be smart about CD rates, it is important to understand that they can change. While the best rates available now are almost always offered by longer term CDs, today's best rates can also be tomorrows worst. In most cases, the interest rates are fixed on CDs, which is good when the rates go down, and bad when they go up.




If it makes sense to think that the economy will improve in the near future, it may be a better idea to place money into shorter term certificates of deposits. This may mean that you will earn less interest in the short term, but the money will be available sooner to reinvest if economic changes take place.

Stacey Nelson





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Foreign Solutions to Domestic Problems


People interested in the safety of investing short term cash in certificates of deposit who are unhappy with yields they've been receiving may want to consider some other options. The total return on CD's has been hammered throughout the economic crisis by the compounded effects of the declining U.S. Dollar and the fiscal stimulus packages designed to lower interest rates and create inflation. This has created a net negative return for the people who are most reliant on income generating, principal protected investments.

The fiscal stimulus plans have been designed to keep interest rates low with the intention that low rates will spur economic growth. The hope has been that businesses will take advantage of these low rates by borrowing money and putting it to work increasing their gross revenues and hiring more workers in the process. However, early on in the economic crisis when the Federal Reserve Board began printing money and slashing rates, the money they created was bottlenecked by the banking industry trying to heal their own balance sheets and make up for their own overextension into the sub prime real estate lending market. Thus, much of the initial stimulus never made it to small businesses that might have been willing to borrow early on. The depth and severity of this crisis has since scared off those same businesses as it has dragged on and on with no pickup in consumer demand. Now that the money is finally flowing, businesses have no need to ramp up production.

The official unemployment rate is 3.5% higher now than it was when the economy collapsed in October of 2008. I have a hard time cheering about an unemployment rate just because it's less than 10%. Perhaps a more telling statistic is that the number of employed people aged 16 and over has declined by 5.8 million people over the last two years. The fiscal stimulus package has not been designed to create employment. The effect is a mild opiate for the masses in the form of increased subsidies and treatment of the economic symptoms like home and auto loans without establishing a rigorous protocol for fixing the economy and weaning the public off of its pain medication.

The haphazard way in which the fiscal stimulus has been doled out has been viewed by the world as U.S. Dollar negative. The U.S. Dollar Index, which is down approximately 14% since the crisis began, only tells part of the story. This index is calculated by the value of our Dollar against a basket of foreign currencies. The Euro Currency, Japanese Yen and the British Pound dominate that currency basket. These three countries, which total more than 80% of the U.S. Dollar Index each have their own economic crises to deal with and are therefore, not reflective of the global value of our currency.

The only real source of global inflation at the moment is in the emerging countries. China is main headline and rightfully so. China holds the key to the next wave of developing middle class. Their growing consumer base will fuel the next round of global economic recovery, along with India, Brazil and numerous smaller Asian economies. These countries are experiencing their very own, "Industrial Revolutions." Their metamorphosis is happening much faster than the one in our history books and it is their healthy economies that can provide those seeking principal protected earnings some measure of value.

Those of you invested in domestic money markets and CD's are well aware of the deleterious effects of declining interest rates and a falling Dollar. The compressed yields aren't enough to offset the waning value of the principal denominated in U.S. Dollars. Fortunately, the global economy brings global alternatives. Our firm trades currency futures. We do not have access to foreign certificates of deposit or, global money market accounts. These ideas are from my personal finance management and are being passed along because they are investments that I'm personally entertaining.

A brief survey of domestic six month CD's provides us with investment opportunities ranging from a low of 0.05% at Fifth Third Bank to a high of 0.20% at Chase and PNC Bank. Compare those with the following six- month foreign currency deposit rates; South African Rand- 3.68%, Norwegian Krone - 0.6%, Mexican Peso - 2.14% and the Australian Dollar at 3.25%. These investments are not free money and the risks need to be understood. These risks include but are not limited to, the currency exchange rate between the U.S. Dollar and the currency you choose to invest in and also include interest rate policy shifts within the individual countries. However, as it becomes clearer and clearer that the United States' Federal Reserve Board is going to continue to push for lower rates and flood the market with cheap Dollars via their second round of Quantitative Easing, it becomes increasingly important to protect the value of what we have and that means trading shiftless Dollars for global industrial development.




Andy Waldock
http://www.commodityandderivativeadv.com
http://www.cotsignals.com
866-990-0777





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2012年3月12日 星期一

The Advantages And Drawbacks Of A Self Certification Mortgage


When self certification mortgages were originally introduced into the marketplace, the defining concept was that, unlike traditional mortgages, they would allow self-employed people who were unable to produce proof of income from an employer to get a mortgage. Over time, this has changed to include people who work primarily on commission or for other reasons are unable to produce proof of income. The main drawback is that you will be asked to produce a significantly larger deposit and in some cases you will finish up paying higher interest rates. The trade-off is essentially one of higher levels of flexibility against a higher level of cost to you as the consumer.

When the time has arrived to get a self certification mortgage, like anything that comes from a financial services business, you will probably encounter that some of the language that is in routine use by service providers can often be quite difficult to decipher but it's very crucial that you persevere as it is extremely crucial that you have a reliable basic awareness as inevitably this will endow you with an even playing field when it comes to do business with any single financial service provider.

Once you need to apply for a self certification mortgage, the net and various web sites can be an excellent resource in terms of getting in some background research and this researched information is really going to give you a strong hand wants the time comes to actually do a deal with any of the financial institutions. There is a range reasons why engaging in research is a good idea but the heart of the matter is, when your research is good then you put yourself on solid ground when it comes to a time that you need to make a determination on which provider and deal is good for you.

One vital element that you must try not to lose sight of is that the central tenants of what a good deal is (given market conditions) will not fluctuate too heavily. Bearing this information in mind, you can see why it's important to be quite circumspect when looking at the short-term aspects.

One specific thing that you would do well not to attach too much credence to is the figures in the headlines in financial services advertising as those figures are not going to show you a rounded picture. I'm fairly positive that you can't have avoided those ads with the headline so much bigger than any of the other details in the advert. There is one fundamental point here that you must take in. The service provider is absolutely not going to be just giving away their profits for no good reason and one detail you can always be certain of is that if you look closely you will be able to figure out where they will get back that supposed free lunch and you can be sure you will be where that money is coming from!

In recent times, several new transformations have affected things in the financial services industry and possibly the most radical of the changes is the wide adoption of the Internet based application as this has pushed this area of the industry to be far more competitive and on the back of this it has become possible for service users to save a lot of money in relation to what was achievable only a few years ago.

Ultimately, whether you decide to go with an online application or you prefer to deal with a broker or agent for a company directly, doing proper research and understanding all of the potential advantages and drawbacks of this type of mortgage product is absolutely key to making the best decision in the long run.




For useful information about mortgages without the sales pitch please check out the Self Certification Mortgage site.





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Calculate CD Rates


When people invest in certificates of deposit (CD), one of the first things they want to find out is on how much they are going to earn from the investment. To help them find out, they need to arm themselves with knowledge on how to calculate for the earnings that they can expect using the tools that they would be provided with, which include the interest rates that would be offered on their CD investments. Among these rates, two of the most important are the Annual Percentage Yield (APY) and the Annual Percentage Rate. This is because these are the tools that can help investors to accurately calculate or compute for the earnings that they can expect to gain from the CD investments that they are about to make.

The APY

The APY is used to compute for the expected earnings from a CD investment wherein the investor decided to have the interest compounded until the CD reaches its maturity. However, investors do not necessarily have to invest in a bank that offers a higher APY. This is because the frequency by which a bank would compound the interest can determine the amount of earnings that an investor gets. Given this, it would be a good idea to invest in a CD that has an interest that is compounded daily, as these can provide very high returns.

The APR

The APR is used for calculating the expected earnings from CD investments wherein the investor opted to get monthly interest payments. However, in the same way that people should not always go for the CD provider that offers the higher APY, investors should also do the same thing with APR's. This is because the frequency by which a bank would compound the interest to determine how much an investor earns every month also determines the amount of earnings an investor gets.

One of the first questions that investors ask when they invest in a CD is how much earnings they can expect from a certain investment. Answering this question requires that investors learn how to compute for the earnings they can get using the tools that they would be provided with, which include the interest rates that are offered for various CD products. This is very important because the right information on these tools can help investors make the right decision with regard to investing in CD?s, which would not be solely based on the rate but also on other important factors as well.




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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2012年3月11日 星期日

How to Find the Best CD Rates


Certificates of Deposit (CDs) are a safe, secure and straightforward way to invest for both short term and long term goals. A CD works in much the same way as a traditional savings account: you invest a certain amount of money and earn interest on it for a set time period. The difference is, you make more money depending on how much you invest into the CD and how long you keep your funds there. The amount you make depends on your CD rates, but you don't have to go far to find the best rates.

What to Look for When Comparing CD Rates

Because of the fierce competition between local, national and even online banks, you can get great CD rates without a lot of legwork or research. There are plenty of banking comparison sites online which will show you the different rates, but you'll want to search a little deeper to find out what the terms are in order to get the highest CD rates for your needs.

For example, you'll want to look at the interest rates - are they compounded daily and posted monthly? This allows you to earn new interest in your invested funds every single day, and see how much your investment has grown every month. You'll also want to see what the minimum deposit amount is. Some banks require a substantial minimum deposit, but others will let you deposit as little as $1,000 to lock in your CD rates.

Then, you'll also want to consider the term lengths, which can vary from as little as six months, to a full five years, with the option to automatically renew your CD when it hits its maturity date. Look for an easy to understand rate table which shows you both the interest rate and the APY (Annual Percentage Yield) so you can see exactly what you're earning in one year.

Finally, you'll want to make sure the bank you're investing with is FDIC-insured. This means that your funds are backed by the stability and security of the federal government. If you're looking for a low-cost way to invest money without the risks and volatility of the stock market or a money exchange, CDs are a solid way to help you build and plan for the future. Whether you're saving for short or long-term goals, getting the best CD rates can help your investment go farther.




Jess Hall writes out of Jersey City about different investment opportunities, including what to look for to find the best CD rates online. Always looking for a trusted financial institution for advice and tips she tends to look up information at https://www.aurorabankfsb.com more often than not.





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Negotiable Instruments


Types of Negotiable Instruments

There are four types of negotiable instruments: drafts, checks, notes, and certificates of deposit. Drafts and checks fall under a classification as "promises to pay". A promissory note is a written promise made by one person (the maker) to another (usually the payee) payable either on demand or at a definite time. A certificate of deposit (CD) is a type of note issued when a party deposits money with a bank, with the bank promising to repay the money, with interest, on a certain date.

Requirements of Negotiability

Before an instrument can be negotiated, it must meet the following requirements:

1) Be in writing.

2) Be signed by the maker or the drawer.

3) Be an unconditional promise or order to pay.

4) State a fixed amount of money.

5) Be payable on demand or at a definite time.

6) Be payable to order or to bearer, unless it is a check.

Liability Associated with Negotiable Instruments

There are two kinds of liability associated with negotiable instruments - signature liability and warranty liability. Those who sign negotiable instruments are potentially liable for payment of the amount stated on the instrument. Makers and acceptors (drawees that promise to pay an instrument when it is presented for payment at a later time) are primarily liable. Drawers and endorsers are secondarily liable only if the instrument is properly and timely presented, the instrument is dishonored, and timely notice of dishonor is given to the secondarily liable party.

Warranty liability extends to both signers and nonsigners. It falls into two categories- transfer of liability and presentment liability. One who transfers an instrument for consideration makes the following warranties to all subsequent transferees and holders who take the instrument in good faith:

1) The transferor is entitled to enforce the instrument.

2) All signatures are authentic and authorized.

3) The instrument has not been altered.

4) The instrument is not subject to a defense or claim of any party that can be asserted against the transferor.

5) The transferor has no knowledge of any insolvency proceedings against the maker, the acceptor, or the drawer of the instrument.

A person who presents an instrument for payment or acceptance makes the following presentment warranties to any other person who in good faith pays or accepts the instrument.

1) The person obtaining payment or acceptance is entitled to enforce the instrument or is authorized to obtain payment or acceptance on behalf of a person who is entitled to enforce the instrument (there are no missing or unauthorized endorsements).

2) The instrument has not been altered.

3) The person obtaining payment or acceptance has no knowledge that the signature of the drawer of the instrument is unauthorized.

It is through negotiable instruments that the world's daily business is transacted. Any business person must be familiar with the basic types of negotiable instruments, their proper transfer, the responsibilities of the parties to such instruments, and factors that may affect their value.




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2012年3月10日 星期六

How the Best CD Rates Can Become the Worst


Are the best rates today the worst Cd rates on certificates of deposits in the future?

If you are looking for a way to save your money for the future, there are few, if any, better choices to make than certificates of deposits (CDs). CDs are a great way for banks and investors to benefit from one another. The investor can place their money into a CD, where they will not have access to the money for a specific period of time. The bank will guarantee a certain interest rate on the deposit, and will use the deposit to provide loans to customers. Rates are much higher than the interest rates on savings accounts in most cases, and the best CD rates look like a good investment. But if you aren't careful, you could be losing out on a chance to earn a higher return.

CD Rates and the Economy

Certificates of deposits are in a state of constant flux. The interest rate that the bank is willing to offer will vary with supply and demand. When the economy turns downward, investors become less willing to risk their money on the stock market. Instead, they will look for the the best CD rates, and invest their money there instead. When certificates of deposits are in high demand, the banks feel confident in lowering the interest rates, meaning that the rates go down, and the returns on the investments are lower.

When the Best Rates can Become the Worst

Before investing money in certificates of deposits, it is important to take into consideration the way that CD rates might change in the near future. If there is a reason to expect the economy to improve, for example, the interest rates will go up in order for the Best rates to remain competitive.




The problem is, the previous CD rates are fixed, and will not change. This means that today's best rates could be equivalent to tomorrow's worst. In other words, it may be worth holding off on an investment if the economy is expected to improve. On the other hand, if the economy is expected to take a downturn, it is a good idea to invest in the highest yielding CDs as soon as possible, before the rates drop.

Stacey Nelson





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The Advantages of Investing in a CD Account


Certificates of deposit or CD's are extremely well-liked by personal traders. These are much like bonds, however they possess a couple of unique benefits over that fixed investment. CDs have just 1 structural distinction to the typical bond, and that is that interest is paid out on maturity instead of sporadically through the existence of the account. But you can find other distinctions to retain in thoughts, such as that interest on CDs are completely taxable and that CDs are obtainable only via banks and thus carry FDIC protection. A well-liked use of certificates of deposit is by the exercise of making laddered CD investment portfolios, which offer an extremely tailored and risk-free way to create income streams.

You can find two methods to start buying CDs. A simple way is immediately via a financial institution, which can be fairly simple and you will find no commissions. Typically speaking, banks provide various estimates of return based on their individual demand to draw consumer deposits. Furthermore, FDIC insurance policy only safeguards a limited quantity of cash per lender. Which means you might have to shop all over to obtain the most effective rate and completely guard your assets.

In these types of situations, investors frequently work with a brokerage house instead of looking from financial institution to financial institution so that you are able to conserve time. Simply because brokerage houses don't sell CDs, only dealer them, any CD bought via a broker can be traded just like a bond and commissions tend to be included. By itself, this exercise is harmless, but when you offer using a commissioned merchant or investments markets, warning is justified.

You have to be on the watch for all points when working with brokerage houses, the very first of which can be how commissions can have an effect on the yield to maturity (YTM). Even though a CD might pay out a stated quantity of interest, the precise YTM might be reduced based on fees. Next, you also have to be mindful of what may occur might you have to liquidate your CD prior to maturity. This really is a thing brokers frequently don't mention until right after the purchase is concluded, or never in any way, and it may charge you.




Get started with a CD account and earn higher rates of interest. Learn more about CD accounts at http://CDAccounts.net.





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2012年3月9日 星期五

JP Morgan Chase CD - Rates and Key Details


JP Morgan offers various types of certificate of deposits. Fixed Rate, Fixed Rate Step-up, CPI-linked, Index Participation and Minimum Return CD are some of them. Certificate of deposits offers high rate of interest to the customers. It has mutual benefits. It is beneficial to both customers and the bank. Customers deposit money for certain time period. During that period, the bank will reinvest the money. Customers depositing huge amount gets high interest. Important details about various categories of CD are mentioned below here.

JP Morgan Chase CD Rates:

For a minimum investment of $1,000, the rates vary from 3.50% to 4.00%. The term period may vary from 6 Months to 24 Months.
For a minimum investment of $10,000, the rates vary from 4.25% to 5.25%. The term period may vary from 7 Months to 60 Months.

Details about JP Morgan CD:

Fixed Rate:

Features and benefits of this scheme are listed below here.

There is 100% security to the principal amount.
Investors will get interest payment at regular intervals.
After the tenure period, investors will get back the amount. At the time of maturity, they will surely get the principal amount.

CPI-linked:

In this type, the investors gain coupons on basis of Consumer Price Index.
The interest amount also varies depending upon the Consumer Price Index. The bank adds the Consumer Price Index value for calculating the amount.

Index Participation:

It provides 100% security to the principal. For protection purpose, the investor gives up an equity portion.
The maturity period varies from three to seven years.




Click here---> To start up a JP Morgan CD. Get to know more about JP Morgan Recent CD Rates

Divya Kannan





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How Do CD Rates Work?


Investing in certificates of deposit (CD) has become one of the most popular investment choices for people looking for a relatively safe way to invest. This is because investing in a CD assures the investor with a fixed interest without risking the principal investment. Moreover, the interest rates on these investments are usually higher than the interest that people can get from their savings accounts. As a result, more and more people have now become interested in investing in CD's. However, as with any kind of investment, investing in a certificate of deposit requires that an investor gather as much information he can on the type of investment he is interested in so that he would know how it works and on what he can expect from the investment. Fortunately, investing in a CD is covered by very clear rules that have been put in place by the government to make investing in a CD safe and above board.

How it works

When people invest in a certificate of deposit, the bank or the financial institution would provide the investor with a bankbook or a paper certificate, which represents the investment. In addition to this, the bank would also issue the investor with periodic statements with regard to the CD. Certificates of deposit come with a fixed interest rate, which depends on the maturity of the CD. As a rule of thumb, higher interest rates are given certificates of deposit that have a longer maturity period. Investors have the option of either getting the interest regularly or to have the bank compound the interest. The latter option has become very popular because it allows investors to earn more from their investments. However, for people who prefer the first option, the bank can automatically credit the interest payments to their savings accounts.

When a CD approaches its maturity date, the bank would inform the investor and provide them with the option of either getting their investment outright or to ?roll over,? which means to invest the amount and the interest into another CD. If in case investors would want to withdraw the amount in the CD, they would have to pay a penalty fee, which can mean a loss of six month?s worth of interests.

As with other investment decisions, investing in a CD requires that an investor cover his bases by learning as much as he can about the investment. As to CD's, this would involve learning how the investment works especially with regard to the interest that the investment would earn, which is very important, as this can help an investor know what he can expect from the investment.




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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2012年3月8日 星期四

How To Use A CD Calculator


When reviewing Certificate of Deposit (CD) offers from banks, you can use a CD calculator to evaluate these offers to see what is the best one for you. A CD calculator uses data about the CD to illustrate to you which offer is the right one for you.

In this article we will look at the data and results from the CD Calculator located at Finance News Today. To begin let's look at the data needed.

The certificate of deposit calculator uses four pieces of data from your CD offer; the amount of the initial deposit, the annual interest rate, the term of the CD, and how often interest is compounded.

The initial deposit is the dollar amount you will be investing into the certificate of deposit. Be advised that many CD's have a set minimum you will be required to invest. Some dollar amounts are as low as $500 while others may be $50,000 or higher.

The amount of interest you earn on your CD is a direct result of what is known as the annual percentage rate (APR). This is the interest paid to you over the period of one year. Generally, the APR is lower on shorter term CD's and higher on longer term CD's.

The CD maturity date is the number of months until the CD matures. Some CD's have short terms of as little as 6 months to as long as 60 months or longer. Be sure to review the information on maturity dates in the CD literature.

Interest on CD's are compounded at set intervals. These intervals are known as the compounding intervals. This is the process where earned interest is added to the balance so that interest is compounded upon itself. The CD calculator at Finance News Today allows you to select daily, monthly, quarterly, semi-annually, or annual intervals.

Closing Comments

The CD calculator will then take this data and determine what the future value of the money is, how much interest you've earned, and what your annual percentage yield (APY) will be.




Finance News Today is a free resource website on personal finance. We offer a free Roth IRA calculator and a free CD calculator to aid in your financial planning.





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Top CD Rates


There are a number of short-term investment options that people looking for good investment options can consider. Some of these include investing in the stock market, the foreign exchange market, and the commodities market. Investing in these different markets can potentially give an investor some of the highest returns on their investment in a short period of time. However, investing in them is also considered high risk because it can also wipe out their entire investment in a very short period of time as well. As a result, people looking into more stable options look to other alternatives. Fortunately, there is an investment option that can provide them very high returns without much risk. This option is to invest in certificates of deposit, which assures an investor with a fixed rate of interest and adequate protection for their investment.

What certificates of deposit can offer investors

Although it is true that the returns that an investor can get from other short-term investment options like investing in the stock market can be significantly higher than the rates that investing in a CD offers, investing in CD?s can still be considered one of the best options for investments. This is because investing in CD?s can offer investors the top or the best rates in the truest sense of the term, as investing in a CD offer higher interest rates especially for those with long maturity periods, without risking the principal investment. In other words, investors are offered top rates together with the safeguard that the principal investment would not be at risk and the fact that the government insures CD investments. In addition to this, investors are also provided with a wide selection of CD products in the market, which allows them to compare them and to get the best deals or even higher interest rates on various CD products.

There are a number of short-term investment options in the market that claim to provide investors with top rates or the highest rates on their investments. Although this is true especially in the stock market, the risk that is involved in investing in them can eliminate the benefits that people can get out of investing in them because there is a possibility that their whole investment would be wiped out in an instant. Given this, one of the most viable option for investors looking for good short-term investments is to invest in a certificate of deposit, which provide minimal risk and top rates in the truest sense of the term.




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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2012年3月7日 星期三

CD Rate History


Apart from the rate of return and the risk involved in investment options, another very important factor that can help an investor to make the right decisions with regard to his investments is the timing of the investment. This is because investing during the times that are considered to be ideal for a certain type of investment can allow an investor to maximize the earnings he can get for the investment. As to investing in certificates of deposit, this is also very true because given that they have fixed interest rates, buying a CD during the times when interest rates are at their highest can give an investor higher returns. Given this, investors who re planning to cash in on CD?s would do well to research on the history and the trends of CD rates, as this can help them plan on when would be the best time to get in on the action.

Doing the research

There are a number of sources from which an investor can get information on the behavior of CD rates in the past. Among them, one of the best sources is the Internet because most of the web sites that provide the history of CD rates provide very extensive discussions, which can allow an investor assess the trends of rates more effectively. In addition to this, the rates that are provided online are updated daily, which allows investors to analyze the trends from the very distant past up to the most recent interest rate environment.

However, there are some people who may not be able to fully appreciate the histories that are provided by various web sites because of the ?financial? language used in the histories and also because of the graphs that may not be easily understood by investors. Given this, investors can opt to go to another source of information, which is to go and ask a financial advisor or a CD broker who can explain the history in layman?s terms.

One of the most important factors that can determine whether an investor can get very high returns on an investment is the timing in making the investment. This is making an investment during the times when it is considered ideal to do so can provide an investor with large earnings on the investment. As to CD investments, this is also true because getting in on the action when interest rates are very high can provide investors with higher earnings. Fortunately, the tool that can help investors plan, which are rate histories, is readily available from a number of sources that include the Internet, CD brokers, and financial advisors.




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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Climbing Up the Ladder: The Ladder Strategy in CD


If you're thinking about what to do with your extra income and the best way to invest it, then you have probably heard about certificate of deposits. A certificate of deposit or CD is basically a time deposit that is usually offered by banks, credit unions, etc. In a sense, it is the same as a savings account since it is basically "money in the bank" but unlike a savings account, a CD has a fixed period as well as a fixed interest rate. Also, unlike a savings account, you cannot withdraw that money until the time that it matures or the end of the fixed period where you get to enjoy your initial investment plus the accrued interest.

Sounds like a great option? Yes, investing in CDs is a great way to invest money but there is also a downside to this particular strategy. You won't be able to access this money for that duration that usually last between three months to five years. Also, while the longer you invest the money in a CD, the bigger income it will yield, you will also lose opportunities in investing during a time with higher interest rate. There is a way however around this dilemma and still maximize the best profit by using a strategy called the ladder strategy.

The ladder strategy or laddering is basically distributing your deposits over a period of several years instead of investing all your money into one CD. To better put it clearly, if you have $3,000 then you can use the ladder strategy by investing $1000 each to three CDs, with varying intervals - usually a 3-year CD, a 2-year CD and a 1-year CD. This way, you get faster access to your money but still reap the benefits of a higher interest rate given by the longer-termed CD.

The ladder strategy is a great strategy since this allows you to invest your money and earn interest while your money 'sleeps' in a way but still have access to this money. In fact, what most people do in the ladder strategy is to re-invest the money after the CD matures and keep it going in a cycle, just keeping the accrued interest as income.

You don't have to do it with just one bank in mind though. You can do the ladder strategy with a number of banks, particularly since larger banks offer longer terms while smaller banks may offer a higher interest rate. It is up to you to choose the bank and to continue to keep 'rolling' or to continue investing the principal and accumulated interest into a new CD.




Jane Sanders writes at Certificate of Deposit Rates about getting the best CD rates. Learn more about Ladder Strategy here.





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Building a CD Ladder


During this time of certificate of deposit rate uncertainty, it is good to examine a strategy that can protect your CD Investments from the extreme lows of the rates, yet provide opportunity to take advantage of higher rates. CD Laddering is that strategy.

CD Laddering works best with larger CD investment amounts, but it can be done in smaller increments as well. However, for ease of math, let's use $300,000.00. In this rate environment I wouldn't go beyond 3-year CDs unless you already have a ladder established or a phenomenal rate becomes available on the longer-term CDs.

The basics are to spread out your funds across multiple terms. Then as those funds mature you reinvest them for the longest term you want for your ladder. For instance, taking the investment we suggested above, you can split that in to $50,000 increments. You could invest $50,000 in a 6-month CD, a 1-year CD, an 18-month CD, a 2-year CD, a 30-month CD, and a 3-year CD. Looking at rates listed on bank rate [dot] com that would give us current rates of 4.00%, 4.25%, 4.10%, 4.25%, 4.36%, and 4.50% APY.

It is best to not try to out guess the market, but you also want to be smart. For instance, at this point, it is unlikely for certificate of deposit rates to go much lower. Matter of fact, supply and demand issues, as well as, inflation concerns have pushed rates up a little bit. That is why I suggest no longer than a 3-year ladder. Also when it seems rates may be peaking, extend your ladder out. Many people are wishing they had locked more 5-year rates in at the 5.50% to 6.00% levels that were available back in 2006. Don't pass up good deals though.




We've bee in the financial industry for over 10-years. We have seen rates come up and down during that time. We spend our time looking for high CD Rates so that you don't have to.

Visit our blog for more Top CD Rates





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2012年3月6日 星期二

Compare 5 Year CD Rates - How to the Find Best Rates?


There are various banks in the United States of America that offers Certificates of Deposit as an investment option for the investors. There are various deposit terms that are available for the CD.


3 months
6 months
1 year
3 years
5 years

You have to choose the deposit term which would be suitable for you. If you want to invest in 5 year CD, then you have to compare the various interest offered by the banks and then have to invest.

Some of the 5 year CD rates offered by the banks are listed below. These certificate of deposit rates vary periodically and you have to check the latest rates from the bank website.

Discover Bank - 2.96%

Ally - 2.9%

Aurora Bank - 2.73%

How to find the best rates?

There are many ways to find the best 5 year Certificate of Deposit rates. You can find some useful guidance for the same.


First you have to list out the banks that offers 5 year CD rates near to your location. Because the Certificate of Deposit rate vary periodically for various locations also. So first you have to list out the banks near to your location.
Once you have listed out the same, then you have to get the complete details offered by them for 5 year CD.
You should compare the same with the other banks and then analyze the best.
There are several reputed websites that provides those details instantly. You can refer those websites also.




Click here to compare the -------->> Best CD Rates. You can also find the details of Bank of America CD rates.
Balajee Kannan





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Safe Scuba Diving Requires First-Rate Diving Practice, Taught In A Scuba Diving Certification Class


Scuba diving is a huge exploration. However it is as well naturally hazardous. Beginner divers find out near the beginning in a scuba diving certification group how to dive safe and sound. That's the single means to take pleasure in the dive, this instance and in the upcoming dives. Here are a number of tips on how to continue to dive safely.

This first tip ought to be needless, except that it's, for the most part, the most vital and must be said: In no manner screw around at any point in a dive. No practical jokes, no fights - even good-natured ones, no hide and seek... you can create the listing yourself. Diving is completely safe - if you dive sensibly. If you won't, the danger of grave harm or fatality is genuine and elevated - as a lot of acquaintances and family of deceased divers can confirm.

Prior to you even getting lessons, or you going off on your initial learning dive, you ought to include a medical assessment. Diving can be safe and sound and pleasantly practiced by anybody from the very youthful to the mature. Nevertheless it takes considerable vigor. You ought to be in first-rate form and have reasonable or superior leg and shoulder strength.

At the same time and just as important as what you have, is what you must not have. Refrain from a dive if you have a head cold, bad allergy or some additional sort of medical circumstance so as to affect inhalation or trouble-free passage of air all through the lungs, throat, nasal cavities, etc.

If you're taking medication, confirm with your physician concerning scuba diving. Whichever medicine that hinders your judgment must keep you away from the water.

Gaining knowledge of the apparatus so you can us it even blindfolded. Visual circumstances throughout a dive can fluctuate from breathtaking transparency to gray murkiness from stirred up deposits, kelp and the numerous additional substances frequent to dive locations even to being jet-black.

Proper Use Of Scuba Diving Equipment

The regulator is intended to convey breathing air beginning at the tank at the ambient force of the water - the pressure of the environment all the way to your lungs. That's vital for havinging the lungs working correctly as you dive. Allow it do the work by in no way holding a lungful of air as you rise or go down.

Holding your breath at some point in a dive be capable of resulting in severe damage to the lungs, because you're blocking the capability to transport gas at the correct force. The air in your lungs will increase or decrease - or be unsuccessful to - causing dangerous force on the rib cage and your lungs. It might be able to affect blackouts, even in water that is not very deep.

If the valve mouthpiece isn't inside your mouth, keep on exhaling gradually a steady flow of bubbles as you go up. Of course, you can just maintain that for a small distance - one of the numerous reasons you ought to keep your mouthpiece in apart from as a momentary crisis to divide up oxygen with a friend.

At all times dive with a partner. Devise beforehand a succession of signals, equally observable and physical, that will permit you to converse vital information below the surface and in dark environments. In no way let your partner out of view or easy contact.

Endeavor at all times to continue in a composed frame of mind. There are scores of astounding things to see undersea, but a number of things can scare the greenhorn diver. Moray eels, sharks, unexpected formation collapses, dreg stir-ups... the listing is protracted.

Maintaining your composure is hardest when situations are most perilous. However that's the most imperative instance. There is not as much leeway under the surface for wrong moves. Maintaining your reason about you can maintain a insignificant danger from increasing into a major threat.

Following first-rate diving practice, taught in a scuba diving certification class, and by means of ordinary intelligence, is capable of putting together a safe dive with the purpose of giving you the freedom to enjoy the astounding parts of our world that happen to be under the sea.




If you're still looking for the best scuba diving wetsuits you need to visit http://www.best-scuba-diving-resources.info, a popular scuba diving website that provides tips, advice and resources to include information on scuba diving fins, scuba diving masks, scuba diving computers and the dangers of nitrogen narcosis





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2012年3月5日 星期一

Best 12 Months and 36 Months CD Rates From Melrose Credit Union


Melrose Credit Union has a different approach in accepting Certificate of Deposits. It accepts Certificates of deposits from any US citizen who stays anywhere or works anywhere. Currently it is the leading provider of CD with high interest rates as on July 2010. It is because some of the banks like "Incredible Bank" does not receive any Certificate of Deposits now. The other top banks like "First City Bank has slashed the CD rates for 12 months CD and 36 months CD, which makes Melrose Credit Union the best provider for 12 month CD and 36 month. You have to check the latest CD rates offered, from the related websites.

For receiving the membership benefits, you have to pay a one time membership fee and also you have to deposit a minimum opening deposit in the savings account. You can get the exact membership fee and the minimum opening deposit details from the related websites or by visiting the bank. It is also offering best rates for a 24 month and 60 months certificate of deposit.

Currently Melrose credit union is offering the best interest for most of the certificates of deposits. Most of the banks cuts the rates, after a week or two when the schemes were launched with the best interest rates. So you have to check the latest rates frequently by visiting the related websites.

How to Apply?

You can either apply online or apply by visiting the bank directly.

How to check the latest rates and other fees?

You can check the latest CD rates online from the related websites.




Click here to get the latest --->> best CD rates from melrose credit union. The best cd rates offered by the other banks are also available at http://www.bestsavingsaccountrates.net/category/cd-accounts. You can choose the best rate accordingly.
Balajee Kannan





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Best IRA CD Rates


Did you know that IRAs can hold CDs (Certificates of Deposit)? If you are nearing retirement and are tired of fretting over your nest egg, your best and safest return may be with a federally insured bank (FDIC) or credit union (NCUA) CD.

Although many brokers offer CDs for IRAs, the rates available are generally much lower than what you can find direct. You may have to do a little more searching and a little more work up front but you could earn $500 - $1000 more each year.

Direct IRA CDs also have other advantages. First, you are in complete control of the funds. The CD is opened up under your title and social security number. You are not just a numbered account at the bank. Secondly, many banks waive early withdrawal penalties on IRA CDs. As a result, if your "Best" rate, is no longer the best, there is a good chance you can move your funds to another IRA CD with a higher rate.

Finally, as of April 1, 2006, the FDIC (banks) and NCUA (credit unions) raised the insurance limit for IRAs to $250,000 per institution. Now you can put even more of your funds at the bank or credit union with the best rate. How can it get any better? Best Rate, Best Service, Flexibility, & Control.

Please visit our IRA rates Page




Chris Duncan is a NASD 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. Visit us at http://www.jumbocdinvestments.com





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2012年3月4日 星期日

Safe Investments - How Safe Is Your Money


After working hard to build a nest egg for retirement, you want to know that your investments provide a good return but remain safe. Although well managed stocks, mutual funds, and corporate bonds can provide superior returns, risk goes hand in hand with reward. Your principal and earnings are not guaranteed and can be dramatically affected by a down turn. As people near retirement, it makes sense to move investments into fixed income products such as Treasuries, Government Agency Bonds, or Certificates of Deposits.

Here is a safe investment guide with pros and cons for each product.

Treasury Bills, Notes, and Bonds

The only difference in the above is the length of the term. T-Bills are offered with a term length of 1-year or less. T-Notes are offered with a term length of 1-year to 10-years. Finally, T-Bonds are offered with term lengths greater than 10-years. We will collectively call these Treasuries. Treasuries are issued by the Federal Government and you are basically loaning them your funds for which they guarantee to pay you a certain interest rate. They are guaranteed by the 'full faith and credit' of the United States Government. You will always get your principal back at maturity. Treasuries can also be purchased in large denominations. Their safety and ease comes with a relatively low rate of return. They can also be bought and sold in the secondary market. Treasuries are a safe investment, but as with any of these fixed income investments, they do carry the risk that interest rates and/or inflation will rise during the term, thus eroding their spending power. Treasuries are exempt from state and local taxes.

Government Agency Bonds

Government Agency Bonds are issued by agencies of the Federal Government and with the exception of the GNMA (Ginnie Mae - Government National Mortgage Association) they are NOT backed by the 'full faith and credit' of the government. As far as safe investments go, GABs are considered next in safety to Treasuries and Certificates of Deposit. GABs carry a AAA rating, but because they aren't backed like Treasuries and there can be a prepayment or call risk, they offer superior rates to Treasuries. A prepayment risk comes into play if the underlying loans that the security is backed by, pay off early and thus decreases the life of your bond. GABs are usually offered with maturities from 2-years to 15-years, but have call periods where the principal can be returned to you without having to pay further interest. This is a call risk. In a falling rate cycle, your bond will most likely be called and your re-investment rate will be lower than what it was. Many people find themselves having to buy long-term bonds to try to maintain an attractive rate. In a rising rate cycle, your funds may go the life of the bond and miss out on higher rates. Many GABs are exempt from state and local taxes. Government Agency bonds can be purchased in large denominations and are considered a very safe investment.

Certificates of Deposit (CDs)

Banks and credit Unions offer Certificates of Deposit for terms usually from 90-Days to 5-years. As long as the CD is offered by an FDIC insured bank or NCUA insured credit union, your principal is guaranteed by the federal government up to $100,000 for a single account; $200,000 for a joint account; and $250,000 for an IRA. If you open a CD that compounds and open it for less then the interest you will earn, the principal and interest would be guaranteed up to the above amounts. Because, they carry no risk (as noted above), certificates of deposit are an attractive and very safe investment. The interest from CDs is fully taxable. Most CDs are fixed for the term you select, but there are banks that offer callable CDs and even CDs linked to different market indices. Certificates of deposit generally offer yields that are better than Treasuries and GABs, but you may want to do a tax analysis to see what the Tax Equivalent Yield is. You can open Certificates of Deposit at multiple institutions and receive $100,000 of FDIC insurance at each institution. Searching for multiple institutions can be time consuming. Deposit brokers can assist you and save you time with this search.




Chris Duncan is a NASD 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. Visit us at http://www.jumbocdinvestments.com or our Certificate of Deposit rates page.





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Jumbo CD Rates - Are the Returns Worth the Time Locking Up Your Money?


If you are the kind of investor who is looking for high interest rates from secure investments, then jumbo CD rates will definitely catch your attention. While regular CDs are appealing because of how they are setup and how safe they are, jumbo certificate of deposit's are even more appealing because of how high the rates of interest can be.

Jumbo CD rates come from the type of certificate of deposit investments of $100,000 or more. Without a doubt, this is a serious type of investment for people who have that kind of money to put away for a fixed period of time. Nonetheless, jumbo CDs are low risk certificates of deposit that are beneficial for anybody who chooses to invest in them.

The concept with these types of CD's would be the same as with a regular CD, with the exception that there is lower risk and much better payouts in terms of interest. The terms that investors can be locked into can range from three months to as long as six years. Of course, the longer term, the better the interest rates at the end of the day. After all, the main reason people invest is to earn interest on their money!

The one downside to jumbo CDs is the fact that they are not FDIC insured. This is mainly because the investment for these certificates of deposit would start at $100,000 putting them out of the range for FDIC insurance. Nonetheless, you can still expect to have better potential for higher returns with these CDs than with regular certificates of deposit.

One main thing that investors should bear in mind as it relates to finding the best CD rates is that if you remove some or all of the principal prior to the maturity date, you will be forfeiting a portion of the returns you would have been able to earn if you kept the money there. Your best bet would simply be to allow your money to sit there for the duration of the term agreed-upon when you initially started out.

Jumbo CD rates will definitely give you better value for your principal; the only drawback is that you need to have a lot more money than you would with a regular certificate of deposit investment. However, if you are in the position where you can put that money away without touching it, then this will definitely be a beneficial type of investment for you.




For further information on Jumbo CD Rates and guidance as far as investing in Jumbo CDs visit our website for professional financial advice!





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2012年3月3日 星期六

Finding the FDIC Insured Highest CD Rates


The smartest thing anyone can do is to think about the future. While it is important to live in the present and do everything possible to improve your financial situation; it is of equal importance to plan ahead for moments such as retirement, vacation, paying for your children's education and such.

In order to help people reach their long-term financial goals, banks and financial institutions have created special accounts that are capable of earning interest that is higher than the average savings account, this type of account is normally referred to as a certificate of deposit or CD.

A certificate of deposit is a very stable account that can provide attractive annual interest yields without the need to risk your capital in the hopes of earning a higher return which is exactly the case of stocks, options, Forex and other types of investment that are constantly traded in global markets.

Finding the best CD rates

The best way to find interest rates on CD accounts that will earn you the most is to use the Web. All financial institutions have a website nowadays, in such websites they will post their interest rates on certificate of deposit accounts. While this is a very easy way to find out the CD rates a specific bank has to offer it is most certainly not the best. Using a comparison site that is able to gather information on CD account from several financial institutions is a much better way to find CDs with high interest rates. Doing a side-by-side comparison across different banks and terms will enable you to make an educated decision.

How does it work?

In order for a certificate of deposit to work properly and provide the most benefits to the account holder there needs to be a minimum deposit that has to be met in order for the returns to be worth the wait, in other words opening a certificate of deposit account with $100 would be almost pointless even if you're expecting a 5% return on that particular investment; if we calculate 5% out of $100 we will have five dollars and as everyone knows "$100 now" is better than $105 in one year.

CD accounts tend to work better with higher balances; this means that if a person has $100,000 sitting on a regular checking or savings account their funds may not be doing anything for them but, if those $100,000 were to be transferred to a CD account earning an interest of 5% the return will be, you guessed it, $5,000, this is a sizable return compared to the five dollars we were originally talking about.

Opening a CD account with $100,000 and leaving at account sit in the back for 10 years can create a return of approximately $50,000 and this is a figure which can definitely help people achieve their long-term financial goals. Please keep in mind that we are providing an example based on a six-figure deposit, some people may have less than that but still a CD is a very stable account that is injured by the federal government (FDIC) up to a specific amount of money.

Given the current financial situation of the country it is of the utmost importance to consider getting FDIC insured accounts, regardless of whether your account is a CD, a savings or a checking account; getting FDIC insurance can give you the peace of mind that if your financial institution get in trouble your funds will be secure and nothing will be lost. Since the FDIC insurance will in most cases go as high as $100,000 (around 300,000 for retirement accounts) it is highly recommended to split accounts that have a balance of over $100,000 into several smaller accounts that will be FDIC insured in case something were to happen.

At any rate, if you want to safely invest your capital there is no better way to do it than with a certificate of deposit.




Themoneyalert.com provides more information about FDIC Insurance on CD, savings and investment accounts. To find High CD Rates and earn more money make sure to visit our website today!





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One Year CD Rates


There are a number of certificate of deposit products that CD providers offer to investors, which include short-term and long-term CD's. Given this, investors need to research on the different kinds of CD products so that they can pick the best CD product for them. In doing so, it would be a good idea to start their research on some of the most popular CD products because doing so can give them access to the CD product that they would want even during the initial stages of their research. Among the different CD products, one of the most popular is the one-year CD, as it can offer investors decent returns and minimal risk. Below are some helpful information with regard to this kind of CD product.

What is a one-year CD?

One-year CD's is basically a time deposit that an investor makes to a bank or a credit union. As with other CD products, they also come with a fixed interest rate and investors are also generally not allowed to withdraw from the time deposit for a period of time, which in this case is one year. In addition to this, the FDIC also insures one-year CD's. For one-year CD's, the FDIC usually provides insurance up to $100,000 per person. The interest rate for one-year CD's are also higher than the interest rate for a savings account and as with other CD products, investors also have the option of getting regular interest payments or compounding the interest until the CD reaches it maturity. Lastly, some of the financial institutions that offer one-year CD's may require a minimum deposit for this kind of CD product. Among most institutions that do so, the amount can reach up to $50,000.

As of May 2006, the average interest rate for a one-year CD is about 4.74%, which is significantly higher than the rate six months before that, which was about 3.92%. Among the different institutions that offer one year CD's, the highest recorded interest rate during that period was 5.21%.

Among the different CD products that are available in the market, one CD product that has become very popular is the one-year CD. This is because apart from the fact investing in them can be considered low risk because the government insures this kind of investment and because the principal amount is not at risk. In addition to these, the returns on this kind of CD can also be considered good, as the interest rates for one-year CD's have shown a sharp increase recently. Given this, it can be expected that one-year CD's would remain as one f the most preferred CD investment option.




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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