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2012年8月21日 星期二

When Will Online Savings Account And Certificate of Deposit (CD) Rates Go Up?


For many money-savvy Americans, the current interest-rate environment is very frustrating. Imagine spending years being frugal and responsible with your money, spending as little as you can and saving as much as you can, only to be rewarded with a savings account rate of 1.25%. Very frustrating indeed. Even online savings accounts, which typically offer better yields than traditional savings accounts, are offering less than 2%.

The situation with Certificates of Deposit (CD's) is no better.

The reason for the lousy rates is quite simple: the Federal Reserve is currently letting banks borrow at no more than 0.25%. So, if a bank can borrow at 0.25% -- which is the current fed funds target rate -- why would it borrow money from you at 5% via a savings account or a CD? That's the gist of it. This is why CD and savings-account rates rise as fall in tandem with the target fed funds rate, the Fed's most important monetary policy tool.

So the big question is: when will savings rates start to rise?

The answer, unfortunately, is not any time soon. Any experienced rate watcher will tell you that the Fed is going to keep the benchmark fed funds target rate at 0%-0.25% for the rest of the year, and probably well into 2011. The fed funds futures market, a very good predictor of where interest rates are headed, is currently 100% certain that the Fed will keep short-term rates at record low levels for the rest of 2010.

Who's to blame? Why, the Great Recession, of course. The Fed can't raise rates while unemployment is high, economic growth is weak and the very real threat of deflation persists. Moreover, many seasoned economists believe that the very recent Great Recession will soon become the Great Double-Dip Recession.

The Fed is just as frustrated as the unnumbered folks around the country trying to find stronger yields for their hard-earned savings. The Federal Reserve is currently dealing with what's called a liquidity trap. It has lowered rates as much as it can, and has pumped massive amounts of new cash into the economy. Despite these actions, the economy is still not expanding in a sustainable way. That's the trap. It's the same trap that has kept Japanese central bankers scratching their heads in frustration since the 1990's.

And if you think you might do better with US Treasury securities, think again. The Fed has been pumping many billions into Treasury securities, thus driving the yields associated with these super-safe investments down. This not only keeps mortgage rates low, which is good for the languishing housing market, but it also makes Treasuries less appealing to investors. To help bolster the anemic US economy, the Fed would much rather prod Wall Street to put its money into riskier investments like stocks and corporate securities, which aren't as safe as Treasuries but do offer higher yields. The Fed wants your 401K to look like it did back in 2006, which would certainly help to make you and millions of other American feels prosperous again.

So what is the responsible saver to do?

The best course of action a money-savvy American can take is to simply continue to scan the Internet for the best available rates on CD's and online savings accounts. Definitely not a good idea to lock up a significant amount of cash for 3 or 5 years. Best to stick with 6 to 12 month CD's while yields are low. There are lots of easy-to-find blogs out there that report on the latest and greatest from around the country.




The US Prime Rate website at FedPrimeRate.com recommends some of the best Certificate of Deposit and online savings accounts available.

The website at BalanceTransfer.cc offers advice on how to use credit card balance transfer checks to earn money via 0% credit card offers.





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張貼者： 於 清晨6:26 0 意見
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2012年8月2日 星期四

Yoga Teacher Training Online - The Hidden Catch


People are used to "hidden catches" in everything, so where is the hidden catch in an online Yoga certification course? Have you ever priced a personal computer or software, only to see the price double or triple? People get used to the idea of surprises when ordering anything these days.

What are the extra costs of a Yoga teacher correspondence course? If you have books, CDs, or DVDs shipped to you, there may be some shipping costs. People, who buy products online, have seen price gouging in shipping before, so be aware of the cost to have a course shipped to you.

If you live outside the country, from where a Yoga teacher course is shipped, there may be import fees. Each country has different rates for import taxes. Depending on the country, you may get a break if they are marked, "educational materials."

An organization that exports anything cannot claim it is a gift. Making false claims on exported packages is a sure way for the certifying organization, and the shipper, to end up in "hot water."

Other potential hidden costs, such as exam fee, membership fee, and a re-test fee, are a possibility. Many on-site courses charge these fees as well. However, some online and on-site yoga courses do not charge any hidden fees at all.

Over all, online certification courses for Yoga teachers have hardly any hidden costs, in comparison to their on-site counter parts. Onsite programs are well known for mentoring fees, and this may be thousands of dollars on top of the tuition cost.

On-site Yoga courses often charge extra for books, CDs, and DVDs. Onsite courses often have a non-refundable deposit, which is usually more than the cost of an online Yoga instructor course. Online courses usually include books, CDs, and DVDs - at no extra charge.

Many hands-on training programs will not teach you anything about marketing or business. They may tell you that Yoga and business do not mix. If that is really so, why are they charging you so much?

The real reason to avoid teaching you about business and marketing is to prevent local competition. Typically, this is because the ownership of the Yoga studio imagines only a finite market share and does not know how to expand into other markets.

If you are a self-starter, online Yoga training will save you a small fortune, in comparison to a face-to-face training.

© Copyright 2008 - Paul Jerard / Aura Publications




Paul Jerard, E-RYT 500, has written many books on the subject of Yoga. He is a co-owner and the Director of Yoga Teacher Training at: Aura Wellness Center, in Attleboro, MA.

http://www.aurawellnesscenter.com

He has been a certified Master Yoga Teacher since 1995. To receive Free Yoga videos, Podcasts, e-Books, reports, and articles about Yoga, please visit: http://www.yoga-teacher-training.org/member-offer.html





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張貼者： 於 凌晨4:15 0 意見
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2012年7月3日 星期二

Tax Lien Investing: Investing Online and by Mail


One of the questions that I frequently get from visitors to my web site, http://www.taxlienlady.com, is "Can I invest in tax lien certificates online or through the mail?" Many people want to invest in tax lien certificates but don't have the time freedom to physically attend the tax sales, so they want to do it online or by mail. A couple of tax lien states do hold online tax sales, and a few will allow you to mail in your bid. I don't, however, recommend investing in tax lien certificates by mail or online unless you can look at the properties or have someone else look at them for you.

First let's talk about online tax sales. As tax lien investing has become more popular with the average person (it's not just the secret of the wealthy anymore), it's also become more competitive. Over the last three or four years, in states where the interest rate is bid down, the bidding has been going lower and lower - as low at .25% in some sates. And in states where the amount of the lien is bid up prices have been bid higher and higher. Online auctions increase the competition even more. Now instead of bidding against every interested party who can come to the sale, you're competing with every interested party with a computer.

Three things happen at these online tax sales. First of all a lot more bidders show up because all they have to do is get to their computer to register for the sale. Secondly, more money - or lower interest rates are bid for tax lien certificates because there are an increased amount of bidders. And thirdly more properties are sold at these sales. You see, at most tax sales there are "left-over" liens that no one bids on that go to the county. A lot of these properties are junk properties. They are really not worth anything and that's why the owner stopped paying the taxes. Any bidders that have done their due diligence will know this and will not bid on these properties. But when sales are held online these properties will typically be sold. Don't you be one of those online bidders who buys a tax lien on a worthless piece of property!

Would you purchase real estate that you didn't look at first? Even though you are not purchasing the property when you buy a tax lien (you are only paying the past due taxes and penalties and putting a lien on the property), you still need to make sure that the property is valuable. There is always the chance that the lien will not be redeemed and that you will wind up with the property. And if you do have to foreclose on the property, you want it to be worth much more than you have invested in it. Your investment isn't only the amount that you paid at the sale, but all of the subsequent taxes that you paid, any legal fees and foreclosure costs, and any costs that you incur to fix up the property before you sell it.

Here is something else to consider if you decide to go ahead and tax lien certificates online anyway. You will pay more money for tax lien certificates online than you would at a regular tax sale. First of all you will have to have a hefty deposit just to register for the sale. If you do not purchase any liens your deposit will be refunded. If you do make a purchase it money will be deducted from your deposit. Even if you make a purchase by mistake, the money will be deducted and it will not be returned. If you do not complete the transaction you could be banned from any future sales. In addition to that you will have to pay the online auction company a commission, which could be as high as 10% of the purchase price of the lien(s) that you buy.

What about purchasing tax lien certificates through the mail? Many states do allow for purchasing of tax lien certificates through the mail. Most states allow this for their "left-over" liens and a couple of states will even allow mailed in bids for their tax sales. Buying tax lien certificates through the mail does not have all the problems that I described for online tax sales, especially if you are able to do your due diligence on the properties before placing your bid. You are, however, at a disadvantage when you mail in your bid for a tax sale. I suggest that you find out what the procedure is at the sale. If your bid is read out loud at the sale and those present at the sale have the opportunity to out bid you, than you are at a disadvantage. It is the investors who are present at the sale that have the advantage over you.

There are opportunities in some states that sell leftover liens (sometimes these are referred to as "over-the-counter" liens or "assignment" liens) that are available for purchase through the mail. Be very careful though to do your due diligence on these properties before you placing a bid. Very often, as I mentioned earlier, there is a reason that these liens were not purchased by other investors. If no-body else wanted it maybe there is something wrong with it! Check the property out before you buy. With tax lien investing, there are no refunds!




Joanne Musa is a Tax Lien Investing Coach and Consultant who works with investors who want to learn how to buy profitable tax lien certificates and tax deeds. She is the president of Tax Lien Consulting LLC, a consulting firm for tax lien investors. She is the author of the e-books: Tax Lien Investing Secrets and Tax Lien Lady's State Guide to Tax Lien and Tax Deed Investing, available at http://www.taxlienconsulting.com For more tips on investing in tax lien certificates send an e-mail to MoreTips@taxlienconsulting.com





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張貼者： 於 凌晨12:31 0 意見
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2012年6月26日 星期二

How to Compare Savings Accounts Online


Over 50% of American adults don't have any savings. It's all to easy to buy what you want now with credit and loans within easy access to fund purchases. If your looking to get debt free and save for purchases or have a cash reserve for lifes unexpected costs then a online savings account could be the answer. Before rushing off to apply you need to look out for features to compare such as introductory offers, interest rates, minimum investment and any fees or interest penalties.

Banks, of course, are always looking to attract new customers, and introductory interest rates are one way they do that. Just as credit cards may offer zero-percent rates to bring in new customers, banks offer higher-than-normal interest rates for a specific amount of time. When comparing savings accounts, this is one thing to take into consideration, but not the only thing.

If your planning on a longer term investment then the ongoing rate will be of far greater importance than a short term introductory offer. If on the other hand you have a large lump some cash investment, such as a home deposit, that you know you'll be using within six months or so then you may be able to make use of the high introduction rates.

Some of the best long term savings accounts do have opening offers but others use the offers to pull you in but have downsides hidden in the small print. In some cases banks require a minimum balance to be maintained either permanently or for a certain period after you open the account to avoid being penalized by fees. If you withdraw before the specified time period is up, you'll pay for it. In some cases the penalty amount can more than negate the interest you earned.

Some accounts may be assessed fees, either to open, to close, or on an ongoing basis. Again, these must be disclosed, but they're usually in the fine print. Especially if you choose an online high interest account, you'll want to think carefully if there are fees involved. One of the main advantages of online accounts is low or no fees, since the bank doesn't have to maintain brick-and-mortar branches. If the best savings rates are offset with high fees, you may be better off looking elsewhere.

Another thing to look for are hidden interest penalties in the month you withdraw your funds. Many people overlook these in the fine print, but they can make a difference in the amount of money you receive. Getting less than you thought could put a crimp in your plans.

Sometimes, in order to get an advertised rate, you need to deposit a fairly high minimum. This can be $10,000 or more, in some cases. The minimum deposit amount can be combined with an early withdrawal penalty, turning a high interest savings account effectively into a short-term certificate of deposit. Make sure an account with these restrictions will serve your needs before signing up and sending your money.

High interest saving accounts are a great tool whether you make use of an online account or something offered by your regular bank. Just be sure you read all the information about the account before you sign up, and know about any dates for withdrawal and any fees that might be associated with the account, either on a one-time basis or on an ongoing basis.




Richard Greenwood is Director for the Click 4 Group who run a range of websites to help consumers compare savings account products from leading banks including Raboplus savings.





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張貼者： 於 下午3:01 0 意見
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2012年5月11日 星期五

When Will Online Savings Account And Certificate of Deposit (CD) Rates Go Up?


For many money-savvy Americans, the current interest-rate environment is very frustrating. Imagine spending years being frugal and responsible with your money, spending as little as you can and saving as much as you can, only to be rewarded with a savings account rate of 1.25%. Very frustrating indeed. Even online savings accounts, which typically offer better yields than traditional savings accounts, are offering less than 2%.

The situation with Certificates of Deposit (CD's) is no better.

The reason for the lousy rates is quite simple: the Federal Reserve is currently letting banks borrow at no more than 0.25%. So, if a bank can borrow at 0.25% -- which is the current fed funds target rate -- why would it borrow money from you at 5% via a savings account or a CD? That's the gist of it. This is why CD and savings-account rates rise as fall in tandem with the target fed funds rate, the Fed's most important monetary policy tool.

So the big question is: when will savings rates start to rise?

The answer, unfortunately, is not any time soon. Any experienced rate watcher will tell you that the Fed is going to keep the benchmark fed funds target rate at 0%-0.25% for the rest of the year, and probably well into 2011. The fed funds futures market, a very good predictor of where interest rates are headed, is currently 100% certain that the Fed will keep short-term rates at record low levels for the rest of 2010.

Who's to blame? Why, the Great Recession, of course. The Fed can't raise rates while unemployment is high, economic growth is weak and the very real threat of deflation persists. Moreover, many seasoned economists believe that the very recent Great Recession will soon become the Great Double-Dip Recession.

The Fed is just as frustrated as the unnumbered folks around the country trying to find stronger yields for their hard-earned savings. The Federal Reserve is currently dealing with what's called a liquidity trap. It has lowered rates as much as it can, and has pumped massive amounts of new cash into the economy. Despite these actions, the economy is still not expanding in a sustainable way. That's the trap. It's the same trap that has kept Japanese central bankers scratching their heads in frustration since the 1990's.

And if you think you might do better with US Treasury securities, think again. The Fed has been pumping many billions into Treasury securities, thus driving the yields associated with these super-safe investments down. This not only keeps mortgage rates low, which is good for the languishing housing market, but it also makes Treasuries less appealing to investors. To help bolster the anemic US economy, the Fed would much rather prod Wall Street to put its money into riskier investments like stocks and corporate securities, which aren't as safe as Treasuries but do offer higher yields. The Fed wants your 401K to look like it did back in 2006, which would certainly help to make you and millions of other American feels prosperous again.

So what is the responsible saver to do?

The best course of action a money-savvy American can take is to simply continue to scan the Internet for the best available rates on CD's and online savings accounts. Definitely not a good idea to lock up a significant amount of cash for 3 or 5 years. Best to stick with 6 to 12 month CD's while yields are low. There are lots of easy-to-find blogs out there that report on the latest and greatest from around the country.




The US Prime Rate website at FedPrimeRate.com recommends some of the best Certificate of Deposit and online savings accounts available.

The website at BalanceTransfer.cc offers advice on how to use credit card balance transfer checks to earn money via 0% credit card offers.





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張貼者： 於 清晨7:29 0 意見
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2012年1月31日 星期二

About Online Paralegal Certificate As an Entry Level Qualification


An online paralegal certificate is not enough as an entry level qualification into the legal profession. Although lawyers are in the end responsible for all legal services they do for their clients, the volume of legal work and scope is so vast that the necessity for well trained legal assistants is now inevitable.

The career is one of the fast-flying careers in the United States. Students are able to obtain training both off line and online. The qualifications range from online paralegal certificate to degrees. You can even read for a doctorate or for a special certification.

A Paralegal is defined by the American Bar Association as a person who is capable through education, work experience or training to discharge assigned legal work by a lawyer in a law office or in the legal department of a Government agency or a corporation. Jobs are usually delegated jobs for which a lawyer should otherwise handle. A qualification above an online paralegal certificate is therefore very vital.

Attorneys receive valuable assistance from these legal assistants. Preparation of files for trials, hearings, closings, client interviews or depositions are some of the jobs in a law firm. Other duties include legal documents research, locating witnesses, arranging affidavits, and indexing and retrieving case files. Computer literacy is very important. You will also draft agreements and contracts. Considering all the above you can see that you require more than an online paralegal certificate to be able to discharge your duties excellently.

There are job openings in all aspects of human endeavor. They assist the public in matters of law in the legal departments of both public and private corporations and in the legal departments of both governmental and none governmental organizations.

In the past training was mostly on the job or obtained via an online paralegal certificate, but today you can obtain an associate degree from programs offered by the community. An associate degree program is generally a 2-year program and as such not quite good for the vast work you may be responsible for. The basic entry level qualification is now a 4 year degree program.




Certificate programs are usually for people who already have? bachelor's degrees.? It is no more favorable to go for a certificate program with a? GED? or high school diploma for admission. Employers no longer favor candidates who have no degrees.? The most employable applicants are graduates with bachelors and/or master's degrees, not those with Online Paralegal Certificate.





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張貼者： 於 凌晨4:47 0 意見
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2012年1月12日 星期四

Selling Online With a Merchant Account and an SSL Certificate


So you have a product or idea and are ready to start selling online? You need to think about how you will get paid. With the simplicity of buying online, you need to reciprocate with the simplicity of paying online with a credit card. You can start simply by accepting PayPal, but as much as PayPal has grown, it is still not the preferred form of payment for most buyers.

To maximize your sales, you will need to accept credit cards. The easiest way for most people to accept credit cards through a web store is to use an existing shopping cart software package. All of the popular shopping carts are preconfigured for a variety of popular credit card payment gateways. If you go the custom route, it means hiring a programmer to handle setting up your site to process and send payment details to the payment gateway. As a budding entrepreneur with limited funds, using an off the shelf product saves money and time and can allow you to be up and running in a few days.

If you are going to accept credit cards, all payment processors require that your website be encrypted for all financial transactions. This can be accomplished by purchasing a secure socket layer or SSL encryption certificate. It is necessary to protect your customers' financial information. Ideally you will want to use 256-bit encryption although the industry standard is current 128-bit. An SSL certificate authenticates that the certificate has been issued to the business or individual that requested the certificate and that said individual or company controls the domain on which the certificate was issued. An SSL certificate will typically cost you anywhere from $20 to $200 depending on the level of verification performed by the certificate issuer. Often an SSL certificate can be issued in a few hours if all of the documentation is readily available.

Once you have purchased the certificate and installed it on your domain, you can then shop around for a merchant account and payment gateway to process your credit card payments. When shopping for a merchant account, you need to ensure that they utilize a payment gateway that will work with your shopping cart software. Pay attention to the discount rate charged on purchases. It can be as high as 4 or 5% if you aren't careful, but you should be able to find a reasonable merchant account with a reputable provider for less than 3%. You will also want to pay attention to transaction fees and monthly charges. These can add up quickly.

Once you have selected a merchant account, you will need to apply to the program. The approval process normally takes a day or two. You will want to know how charges are settled. Typically online transactions are approved at the time that a buyer places the order. When the merchant packs and ships the order, the authorization is captured. Typically captured transactions are batched once per day and processed for deposit to the merchant's bank account. Make sure to reconcile your deposits to the orders received less fees on a regular basis to make sure that all payments are received.

While there are a number of steps involved in getting your website set up to accept credit card payments, the process usually only takes a day or two before you can accept payments and then another two days before payments begin showing up in your checking account. Accepting credit cards is a safe, secure and popular means to receiving payments and maximizing your online sales.




Tim Knight is a work from home dad who specializes in internet marketing and investments. He runs a website at http://www.cashresidual.com where he provides assistance to those looking to establish an online business or presence.





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張貼者： 於 凌晨12:50 0 意見
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2011年12月10日 星期六

When Will Online Savings Account And Certificate of Deposit (CD) Rates Go Up?


For many money-savvy Americans, the current interest-rate environment is very frustrating. Imagine spending years being frugal and responsible with your money, spending as little as you can and saving as much as you can, only to be rewarded with a savings account rate of 1.25%. Very frustrating indeed. Even online savings accounts, which typically offer better yields than traditional savings accounts, are offering less than 2%.

The situation with Certificates of Deposit (CD's) is no better.

The reason for the lousy rates is quite simple: the Federal Reserve is currently letting banks borrow at no more than 0.25%. So, if a bank can borrow at 0.25% -- which is the current fed funds target rate -- why would it borrow money from you at 5% via a savings account or a CD? That's the gist of it. This is why CD and savings-account rates rise as fall in tandem with the target fed funds rate, the Fed's most important monetary policy tool.

So the big question is: when will savings rates start to rise?

The answer, unfortunately, is not any time soon. Any experienced rate watcher will tell you that the Fed is going to keep the benchmark fed funds target rate at 0%-0.25% for the rest of the year, and probably well into 2011. The fed funds futures market, a very good predictor of where interest rates are headed, is currently 100% certain that the Fed will keep short-term rates at record low levels for the rest of 2010.

Who's to blame? Why, the Great Recession, of course. The Fed can't raise rates while unemployment is high, economic growth is weak and the very real threat of deflation persists. Moreover, many seasoned economists believe that the very recent Great Recession will soon become the Great Double-Dip Recession.

The Fed is just as frustrated as the unnumbered folks around the country trying to find stronger yields for their hard-earned savings. The Federal Reserve is currently dealing with what's called a liquidity trap. It has lowered rates as much as it can, and has pumped massive amounts of new cash into the economy. Despite these actions, the economy is still not expanding in a sustainable way. That's the trap. It's the same trap that has kept Japanese central bankers scratching their heads in frustration since the 1990's.

And if you think you might do better with US Treasury securities, think again. The Fed has been pumping many billions into Treasury securities, thus driving the yields associated with these super-safe investments down. This not only keeps mortgage rates low, which is good for the languishing housing market, but it also makes Treasuries less appealing to investors. To help bolster the anemic US economy, the Fed would much rather prod Wall Street to put its money into riskier investments like stocks and corporate securities, which aren't as safe as Treasuries but do offer higher yields. The Fed wants your 401K to look like it did back in 2006, which would certainly help to make you and millions of other American feels prosperous again.

So what is the responsible saver to do?

The best course of action a money-savvy American can take is to simply continue to scan the Internet for the best available rates on CD's and online savings accounts. Definitely not a good idea to lock up a significant amount of cash for 3 or 5 years. Best to stick with 6 to 12 month CD's while yields are low. There are lots of easy-to-find blogs out there that report on the latest and greatest from around the country.




The US Prime Rate website at FedPrimeRate.com recommends some of the best Certificate of Deposit and online savings accounts available.

The website at BalanceTransfer.cc offers advice on how to use credit card balance transfer checks to earn money via 0% credit card offers.





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張貼者： 於 凌晨2:06 0 意見
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