• 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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Insights into retirement savings- The birth of Roth IRA

By Admin | Oct 26, 2011

roth iraKeeping in mind the tough economic times, the American government formulated and released a unique retirement plan: the Roth IRA (investment retirement agreement) plan. In the late 90s it was passed as a law under The Tax Payer Relief Act, this particular IRA scheme gives more personal control to an individual, over his or her money. It is named after the senator William V.Roth Jr of Delaware, who contributed majorly towards the funding during the legislative effort in order to release this as a law. roth-ira.org is indeed much different from the usual IRA plans, in more ways than one!

A Roth Ira is considered as one of the most ‘reliable’ retirement investment plan one can choose in the United States. Wha Read more…

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Ultimate debt relief: Understanding the psychology of debt

By Kenneth Moore | Oct 24, 2011

You’ve dug yourself into a hole with credit card debt and wonder what’s next. Digging out of debt is important, but first you may have to dig deeper for understanding psychological factors leading to credit card debt.

Devil in the details: discover what you’re buying, where and why you’re using credit

Financial anthropologist and money coach Denise Hughes identifies factors contributing to problems involving credit card debt:

  • Having a different “money-style” than your spouse or partner: Using credit cards for funding purchases you want to keep secret, or revenge shopping when you’ve had a domestic spat are examples of how conflicts over money can create credit card debt.
  • Compulsive shopping: Rewarding yourself with a plastic-funded shopping spree after a bad day at work may seem therapeutic, but it can lead to family problems, divorce and bankruptcy.
  • Entitlement and deserving: Do you treat yourself because you “deserve it”? Do you over-spend

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Tags: Debt, Psychology Debt
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Alliant Credit Union CD rates October Review 2011

By Thomas Lee | Oct 21, 2011

This Alliant Credit Union CD rates October Review 2011 is the first one of the year for the fifth largest credit union in the nation. This CU was first established for the employees of United Airlines. Since 1935, they have been offering quality financial services to their membership which has grown to 260,000 worldwide today.

For investing your money the certificates of deposit have a higher than average rate for the US at this time. The CD rates are also in a tiered format with the minimum levels of deposit being $1,000 and $25,000.

The current bank CD rates include the 1 year to 17 month CD that is earning an APY of 1.20% and 1.30% respectively.

The 18 to 23 month CD is earning an APY of 1.45 and 1.55% APY. The 2 year to 35 month CD is earning an APY of 1.60% to 1.70%.

The 3 year to 47 month CD is earning an APY of 1.80% and 1.90%.

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Tags: 2011, October Review, October Review 2011, Review 2011
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RULE ONE MEANS YOU KNOW YOU KNOW

By Kenneth Moore | Oct 20, 2011

Stockpiling a stock requires a high degree of certainty.  I try to think that its the only business I’ll buy. Ever.  Y’all know that already of course.  

Its easy to say it, but it puts up a heck of a bar, doesn’t it?  Last year I bought 3 businesses.  This year I bought one.  I’m getting pretty comfortable with several more but I have to learn a lot before I get past the first M.  

The key is the first M, isn’t it?  Knowing the Meaning of business and the industry; understanding where the profits come from, how durable they are and what the real value is and whether there is a MOS – all that follows from the first M.  

If you’re having trouble finding a good Rule One business, you may be working in too many industries (or too few).  BP at $27 required some understanding of the first M, didn’t it?  The best

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12-Month CD Rate Deal of the Day: First Basin Credit Union at 1.00% APY

By Allison Jones | Oct 17, 2011

First Basin Credit Union has their members best interest at the forefront of their products as seen with a CD rate of 1.00% APY. In only 12 months depositors can watch their investment grow competitively, and best of all, get access to their principal and earned interest in only one year.

CD rate terms and conditions

A minimum $1,000 deposit is required to open a CD account. The CD rate disclosed above is specifically toward 12-month terms only. Early withdrawal penalties against dividends may apply.

About First Basin Credit Union

First Basin Credit Union is a non-profit financial institution which promotes the financial health and success of its members. Each member is considered an owner and shareholder, and never just an account number.

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Tags: Apy, Basin Credit, Basin Credit Union, Credit Union
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