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Quick news about games, health, travel, tv, movies

What is a Certificate of Deposit (CD)? Tips To Buy a Certificate of Deposit

A good trusted and fixed deposit investment vehicle is known as the Certificate of Deposit or CD in short. Certificate of deposit as the name suggests are savings certificates which give its owner certain fixed interest. CD’s however give more returns than an ordinary savings account. Another notable feature of CD’s is that it has federal insurance coverage by FDIC – that is up to $250000. CD’s can be issued in any denominations. Certificate of Deposits are issued usually by Banks or other lending...
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Cash Management

Cash is king. This saying definitely holds true for all the corporates in all possible scenarios. Companies that manage their cash effectively and diligently are always one step above the rest. The top management of the companies should diligently study their cash inflows, outflows and make the future plans or projections accordingly. However, in the recent slowdown, owing to liquidity issues, many companies faced turbulent times. This is when they realized that when the going was good, they just...
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Private Equity Investments

Equity ownership in companies could be acquired by private individuals and private companies. Private equity is the sum of these investments in the company for the purpose of buying out the profits of the company. Private equity funds are meant for investment into privately owned assets of the company. The investments are also made into funds that are not open to the public, but the private equity buyer makes them private by buying them. Investments are thus made into both public enterprise companies...
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Different Types Of Bonds

We all hear about Bonds and their significance as a financial instrument. What are bonds actually?Bonds can be well described as a debt instrument that is issued by different companies, various municipalities and also government in order to raise different funds so that they can finance their capital expenditure. Whenever a bond is purchased, it means, an investor is loaning money for a fixed time at a specific rate of interest which is determined earlier. Interest is usually paid to the holder ...
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How to Invest in Bear Market Funds and Top Funds for Bear Market

In this article we will list down some good Bear market funds (mutual funds or bear market exchange traded funds) for investors. Howard S. Rubin managed ProFunds UltraShort Latin America Inv Fund (is a good pick more so because of its lower expense ratio and has a year to date return of 10.98%), ProFunds UltraShort Latin America Svc Fund (returns 10.8%), ProFunds UltraShort Emerge Mkt Inv Fund (returns 10.33%), ProFunds UltraShort Emerge Mkt Svc Fund (returns 9.73%), ProFunds UltraShort Japan Inv...
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Advantages and Benefits of Investing in ULIPs

During the past few years, ULIP’s have been the hot selling cakes in the market. This investment cum insurance product has come a long way since the time of heir inception. Various traditional policies such as term plan and endowment plan have not been able to keep pace with the ULIP’s. There are various benefits of investing in ULIP.Advantages of investment in ULIP:ULIP gives you an exposure to the market. Other traditional policies such as endowment policy and term policy do not give any exposure...
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Benefits of Investing in Depositary Receipts & Global Depository Receipts

Depository receipt (DR) is a type of transferable financial security. It is usually issued in the form of equity by a company that is listed publicly in a foreign exchange. It allows investors to hold shares of foreign companies.An example of DR is the ADR (American Depository Receipt) that has been offering opportunities to traders and investors since 1920s. DRs have spread all over the world in the form of GDRs (Global Depository Receipt).While ADRs are traded on U.S. Stock Exchanges like NYSE...
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Banking: Investment, Trusts, Savings and Commercial

Banking in short can be defined as the activity where the money belonging to any other individuals is accepted and safeguarded in order to gain profit. Banks are of different kinds and can be differentiated according to their functions and working.Commercial BankingSaving BankingOn the counterpart the saving bank is another type of financial establishment which allows its user to deposit and withdrawal of funds. However the saving banks are free to put limits on the number of transitions in any ...
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Reasons for Investing in Bank Fixed Deposits

Bank fixed deposits have been historically considered as an ideal and risk free investment avenue. Your investment portfolio shall comprise of bank FD’s in order to negate the risk in your portfolio. Majority of savings of middle income households are invested in bank fixed deposits. Bank FD’s have been the preferred investment route on account of following reasons:Less risky:Bank FD’s are always considered to be less risky as compared to the other investment avenues. Deposits in the banks offer...
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Bank Certificate of Deposit

How would you like to invest your money in a low risk and short-term way? Bank Certificate of deposit would be that way for you, your money will not only grow in interest it will also be safe even from your own self. What is a Bank Certificate of Deposit and how does it work? It is actually similar to an ordinary savings account; it allows you to save your money while it earns interest at the same time. However the only difference that it has against your savings account is that you cannot withdraw...
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Benefits of Forex Trading

It is time to add some zing to your portfolio. Consider investing in forex market that has proved to be rewarding for many investors. Trading in foreign (for) exchange (ex) or currency is termed as forex.Since the currency market has been opened up for retail investors there has been a steady rise of prudent traders as well as investors to make money from it. Some obvious reason for such rise is the benefits offered by this market.Easy liquidity is attractive feature of forex. Size of the market...
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Selecting an Investment Manager

Investment managers have become very popular in the recent times, especially after the real estate bubble. Those who are not aware or heard about investment managers should know that these are specialized organizations or companies which help in placing the money of their customers in determined values so that pre-accorded goals can be easily achieved.Investment managers are usually financial experts with expertise in several investment sectors. Usually they are a group of people who have researched...
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Commodity Mutual Funds

Investing in stocks and shares is a great way to make money;however, you need an appetite for risk if you wish to be successful. If you do not want to risk your hard earned money you can invest in commodity mutual funds which are safer and effective.It is best to choose commodities such as wheat, wool, rice, beef, minerals and more as you are investing in the price of the products. Prices vary, yet commodity mutual funds minimize the risk as it is distributed among many people. Your financial return...
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Home Buying Tip & Important Suggestions For Buying a Home

Buy a home only if you have a stable job or BusinessIf your job or work doesn’t allow you to stay in the same place at least for few consecutive years, then probably owning a house at this juncture will not be a wise decision. The transaction cost of purchasing a house and then again selling it earlycan lead to huge losses , even if you sell your house at a time when prices of property are soaring high, and when the prices are falling, loss is even more.Keep your credit history as clean as possibleMost...
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Useful Tips To Choose A Real Estate Agent To Sell Your House

If you are planning to sell your house due to some reasons and are not able to decide which real estate agent to choose, then, here are some tips that may help you to make a right decision.Real estate agent should be aware of your localityThe agent should know about your locality well. He or she should have a fair idea about the current market value of your house. The agent should also know about the various amenities present near your house such as markets, schools, colleges, transport / conveyance...
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Fundamentals of Mutual Funds

An investment that involves gathering money from a group of individuals who hire a professional manager to invest their money in different businesses is the common answer to the question, what are mutual funds?A simpler answer to the question, what are mutual funds is this example.If you and your spouse along with some friends gather your money into a collective, hire a financial manager or funds manager and ask that person to invest your money in a business, you have created your own mutual fund...
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What are Blue Chip Stocks? How to Invest in Blue Chip Stocks

While trading in the stock exchanges one might have heard this term a thousand times and would have wanted to own each and every single available stock it has. Yes, in this article we are discussing about the famous and the most preferred ‘blue chip stocks’ and what they really are:Blue chip stocks as the name suggests have something to do with the color blue. No, the stocks are not blue in color but they symbolize the most valuable chip in a casino poker game which is the blue chip. That’s exactly...
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What is a Commercial Paper

A major investment option in the global money market is the Commercial Paper. In this article we will hence deal more about this leading debt and short term instrument:Commercial paper is used for short term period only. They usually have a maturity period of one to two hundred seventy days (that is a maximum of 9 months only). For all commercial papers with maturity period less than 270 days, there is no regulation from the SEC. They are usually sold in a lot of $ 100,000, hence the buyers include...
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When To Sell A Mutual Fund & Tips for Mutual Fund Investors

Contrary to recommendations of financial experts, there are situations when you may need to dump a mutual fund. Holding for indefinite period is not always a prudent choice.Changes in financial market and for shifting investments to better asset class you may need to sell some non- performing or low performing mutual funds. Here are some cases when selling a mutual fund is a reasonable choice.Reallocation of assets according to the trends of financial market is crucial for a balanced portfolio. ...
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What is a credit union? Advantages & Disadvantages of Credit Union

Not satisfied with your savings account and the other usual investment options provided by your bank? Then try investing in a Credit Union. In this article we will discuss more about Credit Unions and its advantages & risk involved for investment.Credit Unions are very similar yet different from Banks. For one, Credit Unions are smaller in size when compared to a Bank (average asset value is in millions only, where as for Banks it is in billions). And secondly, Credit Unions are nonprofit organization...
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