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What Are the Best CD Rates Today?

However, it might not be the case when you factor in some high-yield savings accounts online, which I’ll return to later in this article.

Cons

What Are the Best CD Rates Today?

CDs aren’t known for their high yields...
Simply input your desired term and minimum deposit to find some of the best CD rates available.

How Can I Maximize My CD Interest Rates?

While CD rates are low, there are a few investment strategies you can use to boost your return, with the added bonus of creating more chances to access your money penalty-free.

CD Laddering

Laddering, the most popular CD investing strategy, helps you enjoy a higher interest rate while maintaining access to at least some of your cash — making a CD ladder a candidate for part of your emergency fund...
Additionally, with most CDs, you can “set it and forget it”: That is, once you’ve opened your CD and put your money in, you don’t have to do much else.

  • Higher interest rates (at most traditional banks): Traditionally, CD rates are higher than savings account rates to entice you to part with your money for the specified term...
    This is best if you’re betting interest rates will rise, or you’re saving for a particular purpose and won’t need the money until after the CDs mature...
    That makes these accounts a better pick for any money you need to be able to withdraw quickly and penalty-free, such as an emergency fund.

    Of course, if you opt for a high-yield CD online or open one with a higher balance or longer term, a CD can still beat these accounts when it comes to APY...
    More >>>

    Merchant Services

    Independent providers are more flexible and may offer you the best merchant service rates available on the market...
    What makes this processor a number one solution is that you can link a debit card to your account and you will get your money in the system in no time...
    Due to lots of sales (many of such sales may turn to be fraudulent), it is important for both merchant service providers and the businesses themselves to keep a clean reputation and their money intact or with minimum losses...
    It collects payments worldwide with more than 2 million users ready to send money to your account every year...
    With a merchant account, your funds can be accessed within 2-3 days after transactions...
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    Balance Transfer Offers

    This provides ample ground for comparison, so people can move their money to companies offering more acceptable terms...
    This gives you an opportunity to track your savings on a long-term basis so that you see how much money comes and goes over a fixed period...
    If you wish to find the best balance transfer credit cards, you are going to have to study the market and keep track of its dynamics...
    You can count and compare different options by aid of a balance transfer calculator, so you can choose the most suitable deal and make some money....
    As a result, lots of people moved their funds from companies with higher charges to those with lower or zero charges...
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    Online Merchant Account



    The advantages of working with offshore accounts are as follows:

    If your business is on a global scale, the use of an offshore merchant account can be very beneficial for you...


    Free Online Merchant Account

    An offshore merchant account is usually established to address the following needs: By establishing your merchant account online, you can get a transaction processing account within the frames of the territory located outside your business area...
    If you send money to an Asian payment processing system, the merchant will be charged more because the transaction will be considered international...
    However, if you a US offshore merchant account , payments will be considered domestic and you will save money on each transaction...
    In case the bank fails to process transactions, you may lose money...
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    Where to Look for Savings Account Options

    Not only do they provide check writing through their money market account, they make a pledge that their rate will always be in the top 5% of competitive bank offers nationwide...
    This account gives you easy access to your money over the phone, with an optional ATM card, or by transferring funds to another account online...
    That’s a hard pill to swallow for savers who want to have their cash in a safe account far from the effects of the global market turmoil we have experienced over the last few years.

    The key to finding the best online savings account is to look for rates close to 1% APY – roughly 16 times the national average!

    Fortunately, there are several lucrative offers on the market, including the newest offer from Capital One 360...
    Although your money will be safe there, the average American is hardly capitalizing getting rich on rates today.

    According to CNN Money, the average savings account last year had only a 0.06% APY (annual percentage yield, or interest)...
    The Fed Funds rate is the rate that banks lend money to each other overnight...
    More >>>



    Down Payment

    After President Bush signed the Housing and Economic Recovery Act on July 30, 2008, which took effect on October 1, 2008, the seller-funded support was excluded from FHA-backed assistance programs...
    It takes a little time and consideration to choose a lender, because lenders offer different terms and rates, which actually make up the total FHA loan down payment size ...


    Until October 1, 2008, sellers had the right to help buyers build sums of money for down payments by contributing up to 6% of the home value...


    Down Payment Assistance

    Down payment assistance programs are intended for helping potential home buyers, as well as those willing to purchase other luxury objects, build up an amount of money to cover part of the total value...


    Once you find a home that suits your preferences and wallet, with a 20% down payment, you can calculate the amount of money to be paid down as follows: multiply the original price by 0.20...
    More >>>


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