• Keep your banking information secured

    Keep your banking information secured

    Don’t be astonished choosing a password for your Internet banking account is very important. Before you put your password for Internet Banking, make sure that you choose a password that only you can remember. A strong password has ideally at least 14 characters or more – certainly the more the better. The password must be composed of letters, numbers and other symbols. You can use upper and lower case to improve the complexity of...

    http://bank-rates.org/financial-consultant/keep-your-banking-information-secured
  • Alluring bank rates and easy profit

    Alluring bank rates and easy profit

    The banking industry is alluring. In the last ten years, competition among financial institutions has created many opportunities to make extra money with the best Bank Rates. There are two main reasons for this new competition: reduced regulation and appearance of the Internet. With widespread access to broadband, online banks can now offer loads of features that traditional banks can not. In addition, these online banks can offer the best...

    http://bank-rates.org/financial-consultant/alluring-bank-rates-and-easy-profit
  • Online banking: advantages and disadvantages

    Online banking: advantages and disadvantages

    Most online banks offer higher interest rates or other offers on savings accounts and other banking products because these banks have less overhead. There is not much building to pay and there are fewer employees. Account information and services are available 24 hours a day, every day. An exception to this rule would be for online banks may need to go offline for a couple of hours to update and maintain systems. Most online banks have no fees...

    http://bank-rates.org/financial-consultant/online-banking-advantages-and-disadvantages
  • What you need to know about bank rates

    What you need to know about bank rates

    People need the loans for different reasons and things. You can choose different loans, such as home loans, car loans, student loans, business loans and other types of loans. Don’t forget that the percentage varies in different types of loan . Banks will typically have lower percents in regards to percents match to other financial institutions. Before apply for a loan, you must know the rate of bank loans. If you need to buy a house for...

    http://bank-rates.org/financial-consultant/what-you-need-to-know-about-bank-rates
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Modest savings bond yield looks savvy

By Admin | Feb 03, 2010

Dear Dr. Don,
I purchased I bonds between 2004 and 2006. I downloaded the Savings Bond Wizard and it is indicating that the bonds purchased August through October 2005 are now earning zero percent. Should I sell those bonds?

It is also telling me that the bonds purchased in June and July 2005 are earning 4.28 percent. I don’t understand why the July rate would be so different than the August rate. Is there something wrong with the Savings Bond Wizard?
– Georganne Goose-Egg

Dear Georganne,
You can trust the Savings Bond Wizard on this one. All of the Series I savings bonds you reference were purchased during the same interest rate period between May 1, 2005, and Oct. 31, 2005. That means they have the same fixed rate of 1.2 percent. They’ll also have the same inflation component.

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Tags: Bond, Savings Bond
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Hang Onto Your Bank Rates — It Could be a Bumpy Ride for Stocks

By Admin | Feb 03, 2010

Frustrated with low bank rates? Understandable, but as you think about alternatives, take a careful look at recent signs that the stock market might be in for another dive. If so, it could make those meager bank rates look like a real bargain.

Last year saw a tremendous recovery for the stock market, after the steep declines of 2008. Sometimes, though, stock markets overreact on both the downside and the upside, and it is entirely possible that stocks got a little ahead of themselves by the end of 2009. Certainly, market participants have been showing signs of buyer’s remorse of late.

The reason for concern is not in the recent economic news itself, but in the stock market’s reaction to that news. For example, last week it was announced that the U.S. Gross Domestic Product grew at an annual rate of 5.7% in the fourth quarter of 2009, at least according to the first estimate of economic growth. Thi

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Tags: Bank Rates, Rates
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Doral Bank Direct: CD rates and Review

By Admin | Feb 02, 2010

Doral Bank, based out of New York, is currently offering some decent CD rates through their online banking division – Doral Bank Direct. Doral Bank Direct is a wholly owned subsidiary of Doral Financial Corporation. (NYSE: DRL), a diversified financial services company headquartered in Puerto Rico with 35 years in the banking industry.

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Tags: Bank Direct, Cd Rates, Doral Bank Direct, Rates
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Lots of Fed news this week

By Admin | Jan 29, 2010

The Federal Open Market Committee meets this week, with an announcement due Wednesday Jan. 27 at approximately 2:15 p.m. EST. While no rate change is in the cards, the Fed will still be in the news this week for a couple of reasons.

First, of course, is the aforementioned FOMC meeting and any adjustments to the accompanying statement. The focus is always on whether the phrase “for an extended period” will remain, an indication of how long the Fed expects to hold off on raising interest rates. So while I expect that phrase to remain, it’s the phrase right before it “exceptionally low levels of the federal funds rate” that is most subject to tweaking. Specifically, I expect the Fed to remove “exceptionally” — whether at this meeting or an upcoming meeting — as an admission that even once they begin to raise interest rates, that rates will still be low.

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