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Our professional expertise allows us to offer you secure returns on investments. We plan our investment portfolio in order to mitigate the risks inherent in trading. We use various investment strategies and always diversify our investments. Diversification in trading is its most important part which minimizes the risks and generates larger profits.
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How Much Should I Save?
Goal amount $
Current savings $
Rate you earn %
Years to invest
Latest FDA Recalls
* AngioScore Incorporated Announces Worldwide Voluntary Field Removal of the AngioSculpt® PTA Scoring Balloon Catheter, 0.018” OTW, balloon sizes: 4.0x20mm, 5.0x20mm, and 6.0x20mm
* La Placita Botanas Mexicanas, Inc. Recalls Wheat Snacks with Chile, Potato Chips with Chile, and Corn Churritos with Chile Because of Possible Contamination with Salmonella
* Boncheff Greenhouses, Inc. Recalls For Wegmans Food Markets, Inc., Budwey Markets, Wades Market, Cuba Giant Food Market, And Hegedorn’s Cilantro, Curly Parsley, And Italian Parsley Because Of A Possible Health Risk.
* Triad Group Issues a Voluntary Nationwide Recall of All Lots of Alcohol Prep Pads, Alcohol Swabs, and Alcohol Swabsticks Due to Potential Microbial Contamination
* Teva Pharmaceuticals, U.S.A issues a voluntary nationwide recall of Metronidazole Tablets USP, 250mg Due to Low Weight Tablets
More from the Food and Drug Administration »
Bank of America Set to Overhaul Account and Fee Structures
Martha C. WhiteMartha C. White RSS Feed
Jan 6th 2011 at 5:30PM
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Filed under: Banking, Banking - Checking Account
man walks past bofa atm machine - bank of americaWe've learned not to get too excited around here when a bank executive says they're "very excited" about a new rollout or offering. As it turns out, we were right to hold onto our hats when it came to Bank of America's conference call earlier today. The behemoth bailout recipient says it's overhauling its checking account options, and the results could mean more of us are paying fees.
BofA executive Susan Faulkner spoke about the need for change in the face of "a new economic reality." While other big banks have made changes and implemented new or higher maintenance fees on accounts, as our sister site Daily Finance points out, BofA's sheer size -- roughly half of us have some kind of relationship with the bank -- makes these changes significant. Faulkner wouldn't say, when asked, how much revenue the bank expects to earn by implementing these changes, but analysts have said that banks stand to lose a bundle from restrictions on overdraft and interchange fees, so it's clear that they have to make up that shortfall somewhere.
Bank of America will divide its checking account customers into four categories, with four different types of accounts. Faulkner told reporters that "most of our customers" would fall into the category the bank is now calling "enhanced." This lets a household have two accounts -- helpful for budgeting -- and will cost around $15 a month, although that fee can be avoided if a user deposits $2,000 a month, keeps a balance of $5,000 or uses their Bank of America credit card a certain number of times per month. The bank is also heavily promoting the online-only banking product it rolled out last year, which costs $8.95 a month if a user decides they want to speak to a teller.
For the non-computer-savvy among us who want a simpler product, Bank of America is rolling out a single-account option called "essentials." At $9 a month, Faulkner called it "affordable," but we're betting that many of the bank's customers who opt for this (probably seniors on a fixed income), will think otherwise about paying $108 a year for their checking account. Finally, Daddy Warbucks types will be able to access a "premium" account, intended for those with higher balances and/or a mortgage with the bank. For users who have $50,000 in their Bank of America account or related Merrill Lynch brokerage accounts, BofA will enroll them in a new rewards program called "platinum privileges" that will offer them perks like a dedicated customer service number.
Bank of America is rolling this out as a pilot program to new customers this month in Arizona, Georgia and Massachusetts; it'll start coming to the rest of the U.S. in the second half of this year. If you're a Bank of America customer, read through any material the bank sends you in the coming months very carefully.
Fortunately, it's still possible for many customers to avoid monthly fees, but you have to be savvier about how you use your account to do so. If none of the fee-waiver options -- savings, direct deposit or credit card use -- are an option for you and you don't want to pay a monthly fee, you have a little bit of time to experiment on your own and see if you're comfortable with an online-only banking relationship.
New Year's Resolution: Get Out of Credit Card Debt With a Lending Club Loan
Josh SmithJosh Smith RSS Feed
Dec 29th 2010 at 1:00PM
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Filed under: Banking, Personal Loans
Cutting up a credit cardAs 2010 winds to a close, New Year Resolutions are on our minds and as always, getting out of credit card debt remains a big goal for many of our readers. There are many ways to cut credit card debt, but one of our favorite ways is to get a lower interest rate and a fixed repayment term with a personal loan from a peer-to-peer lender like Lending Club.
Joshua McElravy of Fremont, Calif., recently used lending club to consolidate credit card debt into a personal loan and was able to cut his interest rates from 24% to 26% down to 7.88% with a fixed 36-month term.
In an email interview, McElravy told WalletPop that he chose Lending Club over local banks because the banks all wanted collateral and he didn't want to put up his car, which he had already paid off, for a personal loan .
"I resolved in 2009 to get a hold of my credit card debt. I have been able to refinance about $10,000 total in credit card debt that would have taken several years to pay off, due to the high interest rates," McElravy told WalletPop, adding, "Although my monthly payment is about the same, I will have all of it payed off within the next two or three years. I plan on making extra payments when I can."
This experience is similar to what we found when we looked at what it is like to get a loan from a peer-to-peer lender in our review of Lending Club back in March. After 9 months with a new, lower loan rate and a fixed payment schedule, we are still happy with our peer-to-peer loan.
"As many Americans resolve to get rid of debt in the new year, a Lending Club personal loan offers a refreshing alternative to the traditional lending institutions," said Rob Garcia Sr. Director of Product Strategy at Lending Club. in an email to WalletPop, "better loan rates, instant rate quote, and fixed monthly payments mean our borrower can pay off existing balances faster and more cheaply."
The rates on peer-to-peer loans from Lending Club are favorable when compared to the credit card rates offered from many big issuers. The national average interest rate from Lending Club on a 36-month loan is 9.8%, while it is 14.34% on credit cards as reported on Creditcards.com. There are even greater savings to be had for borrowers with a good credit score.
*
*
How Much Should I Save?
Goal amount $
Current savings $
Rate you earn %
Years to invest
Latest FDA Recalls
* AngioScore Incorporated Announces Worldwide Voluntary Field Removal of the AngioSculpt® PTA Scoring Balloon Catheter, 0.018” OTW, balloon sizes: 4.0x20mm, 5.0x20mm, and 6.0x20mm
* La Placita Botanas Mexicanas, Inc. Recalls Wheat Snacks with Chile, Potato Chips with Chile, and Corn Churritos with Chile Because of Possible Contamination with Salmonella
* Boncheff Greenhouses, Inc. Recalls For Wegmans Food Markets, Inc., Budwey Markets, Wades Market, Cuba Giant Food Market, And Hegedorn’s Cilantro, Curly Parsley, And Italian Parsley Because Of A Possible Health Risk.
* Triad Group Issues a Voluntary Nationwide Recall of All Lots of Alcohol Prep Pads, Alcohol Swabs, and Alcohol Swabsticks Due to Potential Microbial Contamination
* Teva Pharmaceuticals, U.S.A issues a voluntary nationwide recall of Metronidazole Tablets USP, 250mg Due to Low Weight Tablets
More from the Food and Drug Administration »
Bank of America Set to Overhaul Account and Fee Structures
Martha C. WhiteMartha C. White RSS Feed
Jan 6th 2011 at 5:30PM
Text SizeAAA
Share
Filed under: Banking, Banking - Checking Account
man walks past bofa atm machine - bank of americaWe've learned not to get too excited around here when a bank executive says they're "very excited" about a new rollout or offering. As it turns out, we were right to hold onto our hats when it came to Bank of America's conference call earlier today. The behemoth bailout recipient says it's overhauling its checking account options, and the results could mean more of us are paying fees.
BofA executive Susan Faulkner spoke about the need for change in the face of "a new economic reality." While other big banks have made changes and implemented new or higher maintenance fees on accounts, as our sister site Daily Finance points out, BofA's sheer size -- roughly half of us have some kind of relationship with the bank -- makes these changes significant. Faulkner wouldn't say, when asked, how much revenue the bank expects to earn by implementing these changes, but analysts have said that banks stand to lose a bundle from restrictions on overdraft and interchange fees, so it's clear that they have to make up that shortfall somewhere.
Bank of America will divide its checking account customers into four categories, with four different types of accounts. Faulkner told reporters that "most of our customers" would fall into the category the bank is now calling "enhanced." This lets a household have two accounts -- helpful for budgeting -- and will cost around $15 a month, although that fee can be avoided if a user deposits $2,000 a month, keeps a balance of $5,000 or uses their Bank of America credit card a certain number of times per month. The bank is also heavily promoting the online-only banking product it rolled out last year, which costs $8.95 a month if a user decides they want to speak to a teller.
For the non-computer-savvy among us who want a simpler product, Bank of America is rolling out a single-account option called "essentials." At $9 a month, Faulkner called it "affordable," but we're betting that many of the bank's customers who opt for this (probably seniors on a fixed income), will think otherwise about paying $108 a year for their checking account. Finally, Daddy Warbucks types will be able to access a "premium" account, intended for those with higher balances and/or a mortgage with the bank. For users who have $50,000 in their Bank of America account or related Merrill Lynch brokerage accounts, BofA will enroll them in a new rewards program called "platinum privileges" that will offer them perks like a dedicated customer service number.
Bank of America is rolling this out as a pilot program to new customers this month in Arizona, Georgia and Massachusetts; it'll start coming to the rest of the U.S. in the second half of this year. If you're a Bank of America customer, read through any material the bank sends you in the coming months very carefully.
Fortunately, it's still possible for many customers to avoid monthly fees, but you have to be savvier about how you use your account to do so. If none of the fee-waiver options -- savings, direct deposit or credit card use -- are an option for you and you don't want to pay a monthly fee, you have a little bit of time to experiment on your own and see if you're comfortable with an online-only banking relationship.
New Year's Resolution: Get Out of Credit Card Debt With a Lending Club Loan
Josh SmithJosh Smith RSS Feed
Dec 29th 2010 at 1:00PM
Text SizeAAA
Share
Filed under: Banking, Personal Loans
Cutting up a credit cardAs 2010 winds to a close, New Year Resolutions are on our minds and as always, getting out of credit card debt remains a big goal for many of our readers. There are many ways to cut credit card debt, but one of our favorite ways is to get a lower interest rate and a fixed repayment term with a personal loan from a peer-to-peer lender like Lending Club.
Joshua McElravy of Fremont, Calif., recently used lending club to consolidate credit card debt into a personal loan and was able to cut his interest rates from 24% to 26% down to 7.88% with a fixed 36-month term.
In an email interview, McElravy told WalletPop that he chose Lending Club over local banks because the banks all wanted collateral and he didn't want to put up his car, which he had already paid off, for a personal loan .
"I resolved in 2009 to get a hold of my credit card debt. I have been able to refinance about $10,000 total in credit card debt that would have taken several years to pay off, due to the high interest rates," McElravy told WalletPop, adding, "Although my monthly payment is about the same, I will have all of it payed off within the next two or three years. I plan on making extra payments when I can."
This experience is similar to what we found when we looked at what it is like to get a loan from a peer-to-peer lender in our review of Lending Club back in March. After 9 months with a new, lower loan rate and a fixed payment schedule, we are still happy with our peer-to-peer loan.
"As many Americans resolve to get rid of debt in the new year, a Lending Club personal loan offers a refreshing alternative to the traditional lending institutions," said Rob Garcia Sr. Director of Product Strategy at Lending Club. in an email to WalletPop, "better loan rates, instant rate quote, and fixed monthly payments mean our borrower can pay off existing balances faster and more cheaply."
The rates on peer-to-peer loans from Lending Club are favorable when compared to the credit card rates offered from many big issuers. The national average interest rate from Lending Club on a 36-month loan is 9.8%, while it is 14.34% on credit cards as reported on Creditcards.com. There are even greater savings to be had for borrowers with a good credit score.