下载
Many investors find it more efficien
by kim
Many investors find it more efficient to trade and manage their portfolios online. This requires a fair amount of education and research. Through our Online Investing section, we offer investors everything from the basics to the latest financial tools.
Investor Resource of the Week
Analyst Info - This page shows graphical representations of a company's Consensus Recommendation, Detailed Analyst Recommendation, 12 Month Price Target Range, Earnings Surprise, Momentum (4 Weeks), Detailed Estimates Submitted, Earnings Growth, Price/Earnings, Consensus Earnings Forecasts and PEG Ratio.
Online Investing Articles
Diversification, Planners, and Brokers
10 Things Bank Customers Have to Be Happy About in 2011
Geoff WilliamsGeoff Williams RSS Feed
Jan 7th 2011 at 4:00PM
Text SizeAAA
Share
Filed under: Banking
Customers outside a CitibankIn a lot of ways, 2010 ended up being a pretty good year for anyone with a bank account. For instance, the Federal Reserve stepped in and offered up some regulations that somewhat tame the overdraft fee situation. The best part of the new regulations? If you want your debit card to be declined because there's not enough money in your account for the purchase you're about to make, you can direct your bank to do that. No, it's not fun to be turned away by a cashier, but a lot of people see it as much more preferable to being stuck with one or more $30-something overdraft fees.
So what do we have to look forward to in 2011?
Quite a bit actually. There's plenty not to be happy about, of course, but for now, let's think about raindrops on roses and whiskers on kittens and, you know, focus on the positive.
1. More Oversight
July 21, 2011, is going to be a big day in the personal finance world. That's when the Consumer Financial Protection Bureau (CFPB) will officially open its doors. Elizabeth Warren, special adviser to the president and someone who's been a thorn in every banker's side, is heading up the launch. Among other things, the CFPB will be establishing a consumer complaint system and overseeing financial products and services offered by banks, including credit cards, mortgages, private student loans, payday loans, credit bureaus and debt collection. If you've ever been irate at your bank for foisting a $35 fee on that $4 cup of coffee (that admittedly you shouldn't have purchased, given that you didn't realize you didn't even have $4 in your bank account, because of charges you'd made with your debit card that hadn't yet been accounted for, making you think you had more money than you actually had), you should consider Ms. Warren a national hero.
2. More Bank Loans to Small Businesses
Sure, if you don't own your own company, this doesn't affect you. Or does it? Maybe you work for a small business, which really needs a bank loan to expand and bring in more revenue. The Federal Reserve has reported that commercial and industrial loans from commercial banks are on the upswing and have been for the past two months, and the economic research and analysis firm, Moody's Analytics, as The Wall Street Journal recently reported, estimates that commercial and industrial lending from banks will rise 3% this year. And Bank of America just announced they're planning on hiring 1,000 small-business lenders. At any rate, this is good news for businesses, which is refreshing.
Of course you want your investments to grow. Here are some tips on diversification, choosing a broker and choosing a financial planner.
Before you can invest for the future, you need to have money put aside for the present. Don't be forced to liquidate some investments when an emergency arises. Build an emergency fund of three to six months' living expenses, and you'll be giving your online investments the best possible chance to grow.
Online Investing Basics
Investing in Stock
Equities have been the road to wealth for many investors, but selecting the right ones for your portfolio is a difficult process. Chasing after the latest hot tip is no better than taping a newspaper stock page to a dartboard and throwing a dart. Take time to do some homework. This article is a good place to start in your search for unbiased advice for investing online..
Investor Resource of the Week
Analyst Info - This page shows graphical representations of a company's Consensus Recommendation, Detailed Analyst Recommendation, 12 Month Price Target Range, Earnings Surprise, Momentum (4 Weeks), Detailed Estimates Submitted, Earnings Growth, Price/Earnings, Consensus Earnings Forecasts and PEG Ratio.
Online Investing Articles
Diversification, Planners, and Brokers
10 Things Bank Customers Have to Be Happy About in 2011
Geoff WilliamsGeoff Williams RSS Feed
Jan 7th 2011 at 4:00PM
Text SizeAAA
Share
Filed under: Banking
Customers outside a CitibankIn a lot of ways, 2010 ended up being a pretty good year for anyone with a bank account. For instance, the Federal Reserve stepped in and offered up some regulations that somewhat tame the overdraft fee situation. The best part of the new regulations? If you want your debit card to be declined because there's not enough money in your account for the purchase you're about to make, you can direct your bank to do that. No, it's not fun to be turned away by a cashier, but a lot of people see it as much more preferable to being stuck with one or more $30-something overdraft fees.
So what do we have to look forward to in 2011?
Quite a bit actually. There's plenty not to be happy about, of course, but for now, let's think about raindrops on roses and whiskers on kittens and, you know, focus on the positive.
1. More Oversight
July 21, 2011, is going to be a big day in the personal finance world. That's when the Consumer Financial Protection Bureau (CFPB) will officially open its doors. Elizabeth Warren, special adviser to the president and someone who's been a thorn in every banker's side, is heading up the launch. Among other things, the CFPB will be establishing a consumer complaint system and overseeing financial products and services offered by banks, including credit cards, mortgages, private student loans, payday loans, credit bureaus and debt collection. If you've ever been irate at your bank for foisting a $35 fee on that $4 cup of coffee (that admittedly you shouldn't have purchased, given that you didn't realize you didn't even have $4 in your bank account, because of charges you'd made with your debit card that hadn't yet been accounted for, making you think you had more money than you actually had), you should consider Ms. Warren a national hero.
2. More Bank Loans to Small Businesses
Sure, if you don't own your own company, this doesn't affect you. Or does it? Maybe you work for a small business, which really needs a bank loan to expand and bring in more revenue. The Federal Reserve has reported that commercial and industrial loans from commercial banks are on the upswing and have been for the past two months, and the economic research and analysis firm, Moody's Analytics, as The Wall Street Journal recently reported, estimates that commercial and industrial lending from banks will rise 3% this year. And Bank of America just announced they're planning on hiring 1,000 small-business lenders. At any rate, this is good news for businesses, which is refreshing.
Of course you want your investments to grow. Here are some tips on diversification, choosing a broker and choosing a financial planner.
Before you can invest for the future, you need to have money put aside for the present. Don't be forced to liquidate some investments when an emergency arises. Build an emergency fund of three to six months' living expenses, and you'll be giving your online investments the best possible chance to grow.
Online Investing Basics
Investing in Stock
Equities have been the road to wealth for many investors, but selecting the right ones for your portfolio is a difficult process. Chasing after the latest hot tip is no better than taping a newspaper stock page to a dartboard and throwing a dart. Take time to do some homework. This article is a good place to start in your search for unbiased advice for investing online..