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2012年9月9日 星期日

Should You Save Money With a Certificate of Deposit?


There are numerous ways to save money, but there are several things that will determine which savings vehicle you will choose. Most people save and invest their money in several different ways. No one method is best for saving. How long you want to keep your money in the account, how accessible you want it to be, what you want for a return on investment and what your tolerance for risk are just a few of the things that will help determine what savings vehicle is best for you.

A certificate of deposit is an option for saving money. This vehicle locks your interest rate for a designated period of time. You will not be able to withdraw the money for this period of time, but the interest rate is higher than a traditional savings account. If you are not sure that you can keep your money in the CD for the fixed period of time required, you may want to opt for a money market account.

You do have options with CDs when it comes to managing the interest that the savings plan is accruing. You can have the interest deposited into one of your accounts periodically, usually monthly or quarterly. Some CDs have the option of being added back into the CD or paid at the end of the CD term. You must be aware that some CDs will rollover automatically and you must make arrangements to withdraw the money at the end of the term if that is your choice.

There are many savings vehicles and they all work for specific types of investing. CDs are a short to medium term investment. If you are looking for a long term investment with a better rate of return, you may want to consider a different type of investment.




Arlene is an author that enjoys writing about health and finance. You can visit her latest site at http://cheapdanskoclogs.org where you can find information on cheap Dansko clogs.





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張貼者： 於 清晨5:55 0 意見
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2012年8月23日 星期四

Certificate of Deposit Interest Rates - Things You Should Know


The most important aspect of a certificate of deposit (CD) is the interest rate. After all, it would not make any sense to invest your money into something that has no return associated with it. It is important to know as much as possible about how interest rates work before you purchase a CD.

The interest rate that you get when you purchase a CD generally depends on several factors such as the amount you invest, the length of time you invest for, and the issuing financial institution that you are dealing with. For example, if you invest the minimum amount allowed for a short period of time, your interest rate will probably be lower. However, if you invest a large amount of money into a long-term CD, there is a good chance that you will be offered a higher interest rate.

In most cases, you will get a fixed interest rate with a certificate of deposit although they are available with a variable rate. With a fixed interest rate you are locked in at the rate that was assigned at the time of purchase. However, some issuers do offer a no penalty feature, also known as a "bump up" feature. This feature allows you one chance to bump up to a higher rate before your maturity date without being assessed a penalty. Normally, the only way to accomplish this would be to withdraw your money early and reinvest it into a higher rate CD, in which case you would be charged an early withdrawal fee.

As noted above, if for some reason you decide to close your CD before it expires, you will be charged an early withdrawal fee. That does not necessarily mean that you can not receive the money that you make from the interest on it. Many financial institutions will allow you to periodically withdraw just the interest earned without penalizing you but be aware that if you do this you will be decreasing the amount that you would otherwise earn if you leave it alone until it matures.

Ultimately, you want the highest interest rate possible with your certificate of deposit. There are some things that you can do to help you get it. Purchase it from your local hometown bank because they tend to offer better rates than the bigger, well known banks. Although it is not advisable, forgoing FDIC insurance could also help raise your interest rate. It also raises the risk level associated with your CD. Lastly, make sure that you are purchasing a personal certificate of deposit and not a business one.

Before you run out and purchase a certificate of deposit, arm yourself with information. Know what the best interest rates are, who offers them, and what stipulations are attached to them. Do not settle for the first offer you come across as you could lose out on a lot of money. While there are other important factors to take into consideration when purchasing a CD, it is the interest rate that determines how much of a return you will get on your investment.




If you would like information on Best Certificate of Deposit Rates [http://www.cdinterestratesguide.com/best-certificate-of-deposit-rates.htm] be sure to visit www.cdinterestratesguide.com [http://www.cdinterestratesguide.com] today!





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張貼者： 於 下午3:14 0 意見
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2012年7月15日 星期日

Should I Buy Gold Now?


The question is should I buy gold now? Recent studies have shown that it is far better to own five to ten percent of gold in physical form. However, many people have expressed that owning a gold certificate is no more than a piece of worthless paper. Owning a cold certificate is far safer and does not present any risks, although having the real thing is better.

However, having gold coins in your possession means that one would have to buy an expensive safe to secure the cold coins. A safe needs to be secured into the floor and also needs to be fire and theft proof. Having a safety deposit box at the bank can present major problem as the Patriot Act legislation has been changed.

When a bank holiday has been declared, the banks have full right to open these safety deposit boxes and if they find any precious metals or guns they are legally allowed to remove and confiscate them. This has caused many people to secure their gold coins and other valuable possessions at home.

Are you still posing the question "should I buy gold now". The answer is yes as you can secure your cold in a Bullion vault of which a low insurance rate is included. Bear in mind as the value of the dollar drops, world gold continues to rise. However, when buying gold bullion or gold bars you need to have a good idea of what you are doing.

Should I buy gold now? Yes this is the right time to purchase gold. You can go online and visit goldworldtoday.com and view the selection of coins and bars. You could also speak to a broker who will give you advice on what to buy and when to buy gold. You can also compare prices and what your returns would be on a gold investment.




World recognized trends forecasters, known by many around the world most addictive & highly accurate. Sign up for a FREE Trends alert at: http://www.forecastfortomorrow.com.





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張貼者： 於 清晨7:05 0 意見
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2012年7月11日 星期三

Reasons Why You Should Invest In CDs


Certificates of deposit, also known as CD's, are a terrific tool for building your savings. With a CD, your money is guaranteed to earn a set rate of interest for an agreed upon time. Because you cannot withdraw your money for the term of the account, the interest rate you are paid is typically higher than that offered on a standard money market or savings account. The rate of return on CD's is generally low but safe, therefore they are a good way to safeguard your money.

One risk associated with investing in CD's is that interest earned might not keep pace with the stock market. Plus, if you need to withdraw the money in the CD before the date that it matures, it will cost you early withdrawal fees as penalties. CD's are not ideal accounts for IRAs; mutual funds are better suited to this purpose.

You have a few alternatives for how interest will be disbursed on your CD. With some CD's, the interest is deposited into an account on a quarterly or monthly basis. With other CD's, the interest is put into the CD account itself, or, held back until the CD matures. Plus, some CD's are set to automatically roll over into a new CD at whatever current interest rate is being offered. If your account is set up in this manner, it's important to note the maturity date on your calendar so that, if you wish, you can move your money to a higher income investment.




Certificate Of deposit Accounts are a smart and safe investment. For CD's in your area, look into local CD rates.

If you are looking to invest a larger sum of money, consider jumbo CD rates.





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張貼者： 於 晚上9:16 0 意見
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2012年6月1日 星期五

Should You Save Money With a Certificate of Deposit?


There are numerous ways to save money, but there are several things that will determine which savings vehicle you will choose. Most people save and invest their money in several different ways. No one method is best for saving. How long you want to keep your money in the account, how accessible you want it to be, what you want for a return on investment and what your tolerance for risk are just a few of the things that will help determine what savings vehicle is best for you.

A certificate of deposit is an option for saving money. This vehicle locks your interest rate for a designated period of time. You will not be able to withdraw the money for this period of time, but the interest rate is higher than a traditional savings account. If you are not sure that you can keep your money in the CD for the fixed period of time required, you may want to opt for a money market account.

You do have options with CDs when it comes to managing the interest that the savings plan is accruing. You can have the interest deposited into one of your accounts periodically, usually monthly or quarterly. Some CDs have the option of being added back into the CD or paid at the end of the CD term. You must be aware that some CDs will rollover automatically and you must make arrangements to withdraw the money at the end of the term if that is your choice.

There are many savings vehicles and they all work for specific types of investing. CDs are a short to medium term investment. If you are looking for a long term investment with a better rate of return, you may want to consider a different type of investment.




Arlene is an author that enjoys writing about health and finance. You can visit her latest site at http://cheapdanskoclogs.org where you can find information on cheap Dansko clogs.





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張貼者： 於 下午2:20 0 意見
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2012年5月12日 星期六

Certificate of Deposit Interest Rates - Things You Should Know


The most important aspect of a certificate of deposit (CD) is the interest rate. After all, it would not make any sense to invest your money into something that has no return associated with it. It is important to know as much as possible about how interest rates work before you purchase a CD.

The interest rate that you get when you purchase a CD generally depends on several factors such as the amount you invest, the length of time you invest for, and the issuing financial institution that you are dealing with. For example, if you invest the minimum amount allowed for a short period of time, your interest rate will probably be lower. However, if you invest a large amount of money into a long-term CD, there is a good chance that you will be offered a higher interest rate.

In most cases, you will get a fixed interest rate with a certificate of deposit although they are available with a variable rate. With a fixed interest rate you are locked in at the rate that was assigned at the time of purchase. However, some issuers do offer a no penalty feature, also known as a "bump up" feature. This feature allows you one chance to bump up to a higher rate before your maturity date without being assessed a penalty. Normally, the only way to accomplish this would be to withdraw your money early and reinvest it into a higher rate CD, in which case you would be charged an early withdrawal fee.

As noted above, if for some reason you decide to close your CD before it expires, you will be charged an early withdrawal fee. That does not necessarily mean that you can not receive the money that you make from the interest on it. Many financial institutions will allow you to periodically withdraw just the interest earned without penalizing you but be aware that if you do this you will be decreasing the amount that you would otherwise earn if you leave it alone until it matures.

Ultimately, you want the highest interest rate possible with your certificate of deposit. There are some things that you can do to help you get it. Purchase it from your local hometown bank because they tend to offer better rates than the bigger, well known banks. Although it is not advisable, forgoing FDIC insurance could also help raise your interest rate. It also raises the risk level associated with your CD. Lastly, make sure that you are purchasing a personal certificate of deposit and not a business one.

Before you run out and purchase a certificate of deposit, arm yourself with information. Know what the best interest rates are, who offers them, and what stipulations are attached to them. Do not settle for the first offer you come across as you could lose out on a lot of money. While there are other important factors to take into consideration when purchasing a CD, it is the interest rate that determines how much of a return you will get on your investment.




If you would like information on Best Certificate of Deposit Rates be sure to visit www.cdinterestratesguide.com today!





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張貼者： 於 上午9:49 0 意見
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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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張貼者： 於 下午2:24 0 意見
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2012年1月18日 星期三

What Should You Keep In Your Safe or Deposit Box?


"What should I keep in my safe or in my bank?" is a common question in my line of work. Like so many other areas of organization, this is a personal decision. The following questions may help when determining what to lock up:

Will it be needed to prove ownership in case of an insurance loss?
Will it be needed to claim a future benefit, such as an annuity?
Is it difficult to replace?
Is it small and valuable?

I can't list every document you'll need for your vital records because each person's household requires different sets of paperwork based on their needs and purchases but here are the big categories and then you can fill in the blanks:

Identification & Family
Health & Medical
Finance & Property
Insurance
Estate Planning & Taxes
Emergency Planning & Contacts
Other

Just to give you an example of "fill in your blanks", under Identification you would have your certificates such as: birth certificates, education certificates, religious certificates, marriage certificate and death certificates as it relates to your immediate family.

I often use the "PortaVault" (a binder that you can store, identify, organize, store and transport your vital records to and fro) as my guideline while helping clients collect all their documents. Then when we complete the binder we put it into the client's safe.

Putting all your important papers together sounds like a tremendous undertaking but it's really similar to any other organizing project. You just take one little step at a time. Maybe this week/month you pull together all your insurance policies and update your beneficiary forms and when finished with that goal you'll create a Living Will for you and your husband. Some people find this mission is so daunting that I have provided this month's coupon (below) to help one attack this task.

Do you own a safe or rent a safe deposit box? If not, here's why you should:

The first reason is of course to protect yourself from theft, not just for your valuables but also from identity theft regarding your vital documents.
The second one would be in case of fire or natural disaster.
Near and dear to my heart, a safe provides a home for all your critical paperwork. Should a crisis come into your life and you have all your papers "in order" this will help ease tension by not having to find things under duress.

Many people are opting to own a safe mostly for the convenience of it. If you chose to rent a safe deposit box, make sure you have a second name on the rental, someone who you can trust to access the box. Also, remember that you would be subject to the opening hours of a bank and that the bank is not insured for your valuables. Lastly, do not forget where you put the keys to your box!

The idea of having your own safe replaces the need for renting a safe deposit box. I personally like the idea of having a safe in the house with the originals and copies of the paperwork in the bank but that's my professional organizer mindset of always having a "back-up". At the very least, have one or the other.

Tips on buying a safe or safe:

Figure out what is going to go into the safe first because safes come in many sizes and prices.
At the same time, decide where the safe is going to go because "out of sight" is out of mind. It must be a convenient place for you to keep your valuables or you're just not going to use it.
Do you like a combination lock or would you want a keyed entry?
Would you want it bolted down or do you want a "microwave" safe that you can move around?
Buy a safe with a fire protection of at least 1-2 hours.
Make sure you purchase one from a locksmith who is licensed, bonded and insured.




At POSSE (Professional Organizing Solutions Serving Everyone) we cater to homeowners who want one-on-one help with their organizing endeavors whether it's their space, papers or time. Besides transferring these organizing skills to our clients, we also hold organizing classes called Clutter Corrals, have a monthly forum for supporting each other called POSSE's Pen and we also give organizing presentations as well. To learn more about the author and owner, Jean Marie Herron, and sign up for her free newsletter go to http://www.POSSEPartnersLLC.com.





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張貼者： 於 晚上7:37 0 意見
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2011年12月23日 星期五

Should You Save Money With a Certificate of Deposit?


There are numerous ways to save money, but there are several things that will determine which savings vehicle you will choose. Most people save and invest their money in several different ways. No one method is best for saving. How long you want to keep your money in the account, how accessible you want it to be, what you want for a return on investment and what your tolerance for risk are just a few of the things that will help determine what savings vehicle is best for you.

A certificate of deposit is an option for saving money. This vehicle locks your interest rate for a designated period of time. You will not be able to withdraw the money for this period of time, but the interest rate is higher than a traditional savings account. If you are not sure that you can keep your money in the CD for the fixed period of time required, you may want to opt for a money market account.

You do have options with CDs when it comes to managing the interest that the savings plan is accruing. You can have the interest deposited into one of your accounts periodically, usually monthly or quarterly. Some CDs have the option of being added back into the CD or paid at the end of the CD term. You must be aware that some CDs will rollover automatically and you must make arrangements to withdraw the money at the end of the term if that is your choice.

There are many savings vehicles and they all work for specific types of investing. CDs are a short to medium term investment. If you are looking for a long term investment with a better rate of return, you may want to consider a different type of investment.




Arlene is an author that enjoys writing about health and finance. You can visit her latest site at http://cheapdanskoclogs.org where you can find information on cheap Dansko clogs.





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張貼者： 於 上午9:59 0 意見
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2011年11月29日 星期二

Certificate of Deposit Interest Rates - Things You Should Know


The most important aspect of a certificate of deposit (CD) is the interest rate. After all, it would not make any sense to invest your money into something that has no return associated with it. It is important to know as much as possible about how interest rates work before you purchase a CD.

The interest rate that you get when you purchase a CD generally depends on several factors such as the amount you invest, the length of time you invest for, and the issuing financial institution that you are dealing with. For example, if you invest the minimum amount allowed for a short period of time, your interest rate will probably be lower. However, if you invest a large amount of money into a long-term CD, there is a good chance that you will be offered a higher interest rate.

In most cases, you will get a fixed interest rate with a certificate of deposit although they are available with a variable rate. With a fixed interest rate you are locked in at the rate that was assigned at the time of purchase. However, some issuers do offer a no penalty feature, also known as a "bump up" feature. This feature allows you one chance to bump up to a higher rate before your maturity date without being assessed a penalty. Normally, the only way to accomplish this would be to withdraw your money early and reinvest it into a higher rate CD, in which case you would be charged an early withdrawal fee.

As noted above, if for some reason you decide to close your CD before it expires, you will be charged an early withdrawal fee. That does not necessarily mean that you can not receive the money that you make from the interest on it. Many financial institutions will allow you to periodically withdraw just the interest earned without penalizing you but be aware that if you do this you will be decreasing the amount that you would otherwise earn if you leave it alone until it matures.

Ultimately, you want the highest interest rate possible with your certificate of deposit. There are some things that you can do to help you get it. Purchase it from your local hometown bank because they tend to offer better rates than the bigger, well known banks. Although it is not advisable, forgoing FDIC insurance could also help raise your interest rate. It also raises the risk level associated with your CD. Lastly, make sure that you are purchasing a personal certificate of deposit and not a business one.

Before you run out and purchase a certificate of deposit, arm yourself with information. Know what the best interest rates are, who offers them, and what stipulations are attached to them. Do not settle for the first offer you come across as you could lose out on a lot of money. While there are other important factors to take into consideration when purchasing a CD, it is the interest rate that determines how much of a return you will get on your investment.




If you would like information on Best Certificate of Deposit Rates be sure to visit www.cdinterestratesguide.com today!





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