Many consumers have found that putting money into CD's (certificate of deposit) accounts is a good way to earn additional interest over regular savings accounts. Just like the regular savings account that most of us are familiar with, money that you put into a CD will earn interest, and usually it will earn more interest than a simple savings account. One major difference between a regular savings account and a CD is that the money that you put into a CD has to remain in the bank or credit union for a specified amount of time in order to earn the full amount of interest. You can take the money out of a CD but you will have to pay a penalty. The basic rule of thumb for CD's is to not use money that you believe you will need to use before the maturity date. In other words, you should only buy into a CD if you can afford to leave the money alone for the amount of time required. All certificates of deposit will have a maturity date.
This is the date when you can withdraw the money without having to pay a penalty. The length of time for CD's varies, so make sure you understand what you are buying. In the event you should need to cash out the CD before it matures, most banks will charge an early-withdrawal fee. These fees are usually equal to about three to six month's of interest but, again, this can vary, so check with the bank. Generally, most CD's mature in three months to five years, although 10- and 20-year CD's are also available. The amount of interest offered will vary depending on the length of time of the CD. Consumers should know that CD's are protected under the Federal Deposit Insurance Corporation (FDIC) as long as they were issued through a bank.
This protects consumers from loss should the bank go out of business. Most certificates of deposit will earn compounded interest. Compounded interest means that the interest your money earns is added to the total amount of the CD so that the next time interest is calculated and added, you will earn even more. For those who have extra cash and can afford to invest it and leave it alone until maturity date arrives, certificates of deposit are a good idea. They are a safe and effective means of earning interest on your money. They may not be as exciting as some other forms of investments, but they allow the owner to sleep at night, knowing their investment is not going to vanish overnight. CD's can be great gift ideas for grandchildren and other members of the family. If they are bought early enough, they can be used to help fund future education needs as well.
Because they can be purchased for relatively small amounts of cash, they are often affordable to many families that otherwise might not be able to invest. Most banks and credit unions will have literature that you can read to learn much more about CD's and how they work.
Did you find this article useful? For more useful tips and hints, points to ponder and keep in mind, techniques, and insights pertaining to Internet Business, do please browse for more information at our websites.
10/30/2009
10/13/2009
A Toast to the Happy Couple!
If you are the maid of honor, best man, or father of the bride chances are you have been asked to give a toast at the wedding reception. If you haven’t been formally asked, you should know that traditionally these three people give the formal toasts, so you should prepare one just in case. If your suffering from a little stage fright, here are some helpful tips to help you compose a memorable speech for your happy couple.
1.)The best way to start is by jotting down notes to help you as you write your toast. You could jot down how you know the couple, which one you know the best, and any funny memories you have about them together or separate. If you are married you could jot down some advice or some things you wish people would of told you before you took the leap. After you have some great material the best thing you can do is work with it.
2.)At the beginning of your toast, you should plan on introducing yourself. Not every one at the reception will know you or how you came to know the happy couple, so be sure to take a minute and let every know whose addressing them.
3.)After the introduction, you could lead into a great story. If you are the best man who has know the groom since his college days, maybe you could tell a great dorm room story that will have everyone laughing. Or if you’re the maid of honor, a friend of the bride since childhood, maybe you could tell a touching childhood story about your best friend. You should make sure the story is appropriate and not crude, since there will probably be children present. The point of your story should point to how great your friend is and how much fun you’ve had with them since you’ve known them.
4.)The end of your speech should be when you give advice and well wishes to the happy couple. Maybe you could include a poem that appropriately reflects your well wishes, or you could give one or two sentences of advice. Like, “Be sure to never go to bed angry and kiss each other goodnight” or “you should always remember what brought you to this day, because it is what will carry you through the tough times”. By ending on a sentimental note, you will be able to send the couple off in a memorable way.
Giving a wedding toast is nothing to worry about and by following these simple tips you will be on your way to giving a truly wonderful toast. You should choose to say what you feel in a well written and well rehearsed way, but be sure to keep it no more than two minutes in length so as not to allow yourself to be long winded. Remember these are your well wishes to the happy couple, and it’s not about you. You are, in a way, representing all the other guests with your toast, and saying some of the things that may be on the minds of those who won’t be able to give a toast. You should do everything in your power to take your job seriously and present your friends’ guests with a touching and memorable send off.
1.)The best way to start is by jotting down notes to help you as you write your toast. You could jot down how you know the couple, which one you know the best, and any funny memories you have about them together or separate. If you are married you could jot down some advice or some things you wish people would of told you before you took the leap. After you have some great material the best thing you can do is work with it.
2.)At the beginning of your toast, you should plan on introducing yourself. Not every one at the reception will know you or how you came to know the happy couple, so be sure to take a minute and let every know whose addressing them.
3.)After the introduction, you could lead into a great story. If you are the best man who has know the groom since his college days, maybe you could tell a great dorm room story that will have everyone laughing. Or if you’re the maid of honor, a friend of the bride since childhood, maybe you could tell a touching childhood story about your best friend. You should make sure the story is appropriate and not crude, since there will probably be children present. The point of your story should point to how great your friend is and how much fun you’ve had with them since you’ve known them.
4.)The end of your speech should be when you give advice and well wishes to the happy couple. Maybe you could include a poem that appropriately reflects your well wishes, or you could give one or two sentences of advice. Like, “Be sure to never go to bed angry and kiss each other goodnight” or “you should always remember what brought you to this day, because it is what will carry you through the tough times”. By ending on a sentimental note, you will be able to send the couple off in a memorable way.
Giving a wedding toast is nothing to worry about and by following these simple tips you will be on your way to giving a truly wonderful toast. You should choose to say what you feel in a well written and well rehearsed way, but be sure to keep it no more than two minutes in length so as not to allow yourself to be long winded. Remember these are your well wishes to the happy couple, and it’s not about you. You are, in a way, representing all the other guests with your toast, and saying some of the things that may be on the minds of those who won’t be able to give a toast. You should do everything in your power to take your job seriously and present your friends’ guests with a touching and memorable send off.
Ghostwriting Services - 7 Big Mistakes When Hiring a Ghostwriter
Using ghostwriting services can be a pain. You're gambling with time and money on whether the ghostwriter will deliver for you, as promised. Here are 7 mistakes which entrepreneurs make when they hire a ghostwriter. Take note of these every time you use a company's ghostwriting services.
1. How Did You Find Them?
Whenever you give a project to a ghostwriting company, ask yourself where did you find them. This is very important.
If they were referred to you by a friend then you're pretty safe that the writing will be good. If you found the company via a forum or email spam, then you have to be extra careful. Do your investigation first.
If you've read a good article by them or you found them by using the search engines, then that's fine too. If they take the time to write articles to promote themselves and do search engine optimization, it means they take their business seriously.
2. What is their selling point?
When you look at the ghostwriting services listed out on the website, ask yourself "what is their selling point?". Do they specialize in writing ebooks only? Do they write technical articles only?
Make sure their selling point matches what you want.
3. What additional services do they provide?
If you are having an information product created such as an ebook, does the ghostwriting company provide services such as writing a sales letter or press release? It would make your management of the project much easier if you only have to deal with one party.
4. Samples of writing
Before making your decision to hire the ghostwriter, take a look at their samples. Does the tone of voice and the depth of information suit your project?
The worst mistake you can make is using ghostwriting services which is not for your market. For example, choosing a ghostwriter who writes for children while you want a medical ebook written.
5. Quality Of Website
Take a good look at the ghostwriting company's website. Does it give you an impression that they're a professional company and that they mean business?
The ghostwriting services that you will receive will be reflected by the look of the website. If they are not serious with their company's image, they won't be serious with the work they deliver to you.
6. Communication
Contact the ghostwriting company and make a note on whether they respond in a timely manner. Look at the way they answer your questions. Do they know what they are talking about and do they seem confident in delivering what you need?
Lack of communication at the start is not a good sign. You can expect to chase up for their progress after the promised delivery date.
7. Online Reputation
Search for the ghostwriting company's reputation online in forums and in blogs. See what other people are saying about them. If you see some bad experiences with the company being posted online, think twice before deciding to go ahead with using their ghostwriting services.
Disasters happen because of the lack of due diligence when a company decides to use ghostwriting services. If you manage to avoid these 7 mistakes, you should be fine. It is advisable that you choose a ghostwriting company that delivers a line of services such as writing an ebook, creating the website, writing the sales letter and creating the marketing material. It will save you a lot of trouble when you create your information product
1. How Did You Find Them?
Whenever you give a project to a ghostwriting company, ask yourself where did you find them. This is very important.
If they were referred to you by a friend then you're pretty safe that the writing will be good. If you found the company via a forum or email spam, then you have to be extra careful. Do your investigation first.
If you've read a good article by them or you found them by using the search engines, then that's fine too. If they take the time to write articles to promote themselves and do search engine optimization, it means they take their business seriously.
2. What is their selling point?
When you look at the ghostwriting services listed out on the website, ask yourself "what is their selling point?". Do they specialize in writing ebooks only? Do they write technical articles only?
Make sure their selling point matches what you want.
3. What additional services do they provide?
If you are having an information product created such as an ebook, does the ghostwriting company provide services such as writing a sales letter or press release? It would make your management of the project much easier if you only have to deal with one party.
4. Samples of writing
Before making your decision to hire the ghostwriter, take a look at their samples. Does the tone of voice and the depth of information suit your project?
The worst mistake you can make is using ghostwriting services which is not for your market. For example, choosing a ghostwriter who writes for children while you want a medical ebook written.
5. Quality Of Website
Take a good look at the ghostwriting company's website. Does it give you an impression that they're a professional company and that they mean business?
The ghostwriting services that you will receive will be reflected by the look of the website. If they are not serious with their company's image, they won't be serious with the work they deliver to you.
6. Communication
Contact the ghostwriting company and make a note on whether they respond in a timely manner. Look at the way they answer your questions. Do they know what they are talking about and do they seem confident in delivering what you need?
Lack of communication at the start is not a good sign. You can expect to chase up for their progress after the promised delivery date.
7. Online Reputation
Search for the ghostwriting company's reputation online in forums and in blogs. See what other people are saying about them. If you see some bad experiences with the company being posted online, think twice before deciding to go ahead with using their ghostwriting services.
Disasters happen because of the lack of due diligence when a company decides to use ghostwriting services. If you manage to avoid these 7 mistakes, you should be fine. It is advisable that you choose a ghostwriting company that delivers a line of services such as writing an ebook, creating the website, writing the sales letter and creating the marketing material. It will save you a lot of trouble when you create your information product
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