The Difference Between Money Market Accounts And CD's

By Sheila Korter

In tough times like these, it is best to save your money and put it in the bank. By saving your money, you are able to prevent yourself from spending too much. Another advantage of saving money is that you may be able to earn a passive income on it.

This is possible through the interest you earn from the money you have deposited. If you are serious about saving money and want to earn an ongoing passive income through bank deposits, you should think about several things first. The first thing that you should do is understand the different rates that are available and the terms that go along with those rates.

A money market account is an account that yields interest and also allows the depositer to withdraw funds with short notice or no notice at all. Every bank that offers an account of this type has its own rates and terms and conditions. It is advisable to choose the money market rate that does not only offer high interest rates but also has reasonable terms and conditions that are suitable to your needs and prevailing circumstances.

Meanwhile, a certificate of deposit is a kind of deposit that yields higher interests rates as compared to a money market account. In return for the higher interests rate, there are certain limitations in the time and frequency of withdrawing the funds deposited. A certificate of deposit is popularly known as time deposit. The philosophy behind a certificate of deposit is that a depositor earns a higher interest rate as compared to the ordinary interest rates offered to ordinary deposit accounts because the depositor is prevented from withdrawing the funds that he or she deposited within the agreed duration of time.

The two important factors that you should consider in making a choice between a money market or a CD are the interest rates and the terms. If you get a high interest rate, it does not necessarily mean that it is the best deal. It is wise to make sure you are loaning the money to the bank for the right amount of time and won't need the money sooner. If you were to get a great interest rate but then have to incur penalties because you needed the money sooner than you though, it would defeat the whole purpose of making the investment. - 23200

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Government Foreclosures - Buying Real Estate has Never Been Better !

By Claudia Smith

I'm sure everyone knows by now about the real estate crisis going on all across the United States. Bank foreclosures and pre-foreclosures are at record highs and both the home owners and banks are in trouble because of it. It's a material tragedy that many people, most with good intentions, could lose their houses. Some homeowners face bank foreclosure just after missing one or two payments. It's the reverse side of the American Dream.

If homeowners facing foreclosure can act quickly enough, they can go ahead and sell their home for low prices before the banks officially forecloses them. This is called "pre-foreclosure". Pre-foreclosure is a grace period that is given to many homeowners who are close to foreclosure. During the pre-foreclosure period, the home still belongs to the borrowers and they have a right to sell it to interested buyers. The pre-foreclosure grace period can last anywhere from 3 weeks to 6 months, varying from state to state.

The homeowners have a chance to earn a little money as well when facing pre-foreclosure. Pre-foreclosure is a grace period after the time they made their last payment and before they're officially facing foreclosure. The public is notified ahead of time that a home is facing foreclosure, which gives interested buyers time to make a deal with the homeowners before the bank officially takes the home back. Pre-foreclosures give homeowners enough time to sell the home at a very low price as well. They money they receive can help them in affording another place to live.

Bank foreclosures and pre-foreclosures also provide an excellent opportunity to earn a lot of money. Many Americans are learning that investing in bank foreclosure and pre-foreclosure homes can return an excellent profit. For instance, you can buy foreclosure and pre-foreclosure homes for as low as 10% of their market value, and then resell them for nine times that! Imagine all the money you can profit from buying bank foreclosures and pre-foreclosure homes! Even if you've never had an interest in real estate before, now is an excellent time to become involved in it!

There are many foreclosure and pre-foreclosure listing sites which will allow you electronic bids. Unfortunately though, many of them are only scams. Some so called "foreclosure" and "pre-foreclosure" listing sites will charge you a membership fee, but then neglect to give you access to promised listings! Many of these sites have no current listings at all and never update. They sure don't mind taking your money though.

Fortunately there are plenty of honest foreclosure and pre-foreclosure listings. Some can be found on real estate sites and some on government auction sites. So how can you tell the good from the bad? Well, you don't have to! There are government auction review sites that will do the dirty work for you. Experts that oversee government auction reviews go digging into government auction offers and test their legitimacy based on certain criteria. They have tested and scored the top government auction membership sites that offer real government auction listings.

Many of these membership sites offer real, top deals on real estate, bank foreclosures, and contact information for the pre-foreclosure homes. Government auction review sites will let you know which ones are the best. Make sure you read government auction reviews before you begin bidding on foreclosure homes. You will receive the best advice and information about the real foreclosure and pre-foreclosure listings! - 23200

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For free research and evaluation of the best most legitimate government auctions sites, research them on Government Auction Site Reviews. This way you'll be educated on how to get in on the greatest values available while avoiding the many government auction scam sites that exist.

Government Acquired Properties & Surpluses = Great Deals

By Clifford Carr

Government surpluses and abandoned properties are sold at government auctions to the general population at discounted prices. There are government auctions held in every state many times a month. No matter where you live in US or Canada, you'll be able to find great deals at these auctions. Consider the investment possibilities or even starting your own business.

The government surplus items sold at government auctions are items not required by the federal, state, and local government. These items can come from the government purchasing more than they needed, or technological equipment that has been updated.

Items sold at government auctions can also include items from a bankrupt businesses. Items examples could include furniture, jewellery, electronics, miscellaneous equipment, and more. Government auctions may not be the first place that comes to mind when buying these items, however, it is definately where you can get that best value on both used and new items.

The seized properties offered at these auctions can include foreclosure homes, bankrupt commercial properties, properties owned by convicted criminals, and more. Police have the right to seize a property if the owner is convicted and has to serve time in prison. The most common reason for property being seized is because their owners have neglected to pay their mortgage and/or taxes.

A property is considered abandoned if the owner dies and has no known relatives alive to inherit, or if the owner walks away from it for whatever reason. This can happen if the owner feels the house is worth less then he currently owes. This has been happening quit often lately in a declining housing market.

So how can you attend government auctions? You can find out where and when they will be held in your area by searching the Internet. There are numerous government auction membership sites that will offer you details on the abandoned/seized properties, and government surplus items that will be offered in your area.

Read government auction reviews on the web to find out where the best membership deals are. This will help prevent you from falling into the many scams that are on the web. - 23200

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To discover the best government auction sites check out government auctions review or more specifically check out Seized Property, Government Surplus, and Abandoned Property

Property Investing Advice - How to Prevent Costly Buying Errors

By Madison Sullivan

If you want to be really profitable in real estate investing, then do seek professional Property investing advice. You can try and learn the ropes the hard way (i.e., all on your own) but know now that this often entails losing a lot of time money. It will be more beneficial for you listen and heed the advice of experts who are already successful in the property investment market. This document proffers four guidelines to locating the best bargains when investing in property.

If you want to flourish in property investing, then you should start out by trying to locate positively geared property. This purports that the amount of money you stand to amass as rent will be more than the expense of possessing the real estate. Keeping this in mind, you should obtain property investment advice that includes great suggestions on how to unearth properties that you can turn for big money. Property investment education should also be addressed, which includes locating property management that will not increase the cost of owning the property to exorbitant levels. Get these expert tips and more from professionals who are known to be great at sniffing out positive geared property.

Positive cash flow property can be located on the outskirts of major Australian capital cities. For example, go to outer areas like, Blacktown, Liverpool and Penrith. You can also find positive cashflow properties in other areas nearby the Sydney CBD but locating them may take more time and effort. These areas include Leichhardt and Annandale. By narrowing your search to only a few suburbs you'll get a better understanding of exactly what properties are worth in those suburbs. This will allow you to spot real estate deals as soon as they are made public.

To find that perfect place with the perfect price tag is not easy. While a lot of property investment seminars state that you should look for great deals, Property investing advice that indicates you look at specific communities and properties will be more advantageous. This is why a coach and buyers agent are critical. These qualified professionals can provide the direction you need to invest wisely. They will do the necessary groundwork for you so that you invest your money sensibly.

Funding is one of the requirements when buying an investment property. If you want to have a lot of money for investing in various types of properties, you should not make ill-advised funding decisions. Procuring positive cash flow property doesn't indicate you should not tackle financing shrewdly; that is of course, if you aim to acquire more properties in the near future. Mortgage brokers cannot make things easier for you if you have numerous money problems. This may put in check the possibility of buying more real estate soon after. Maybe you should get in touch with mortgage planners to lend a hand in crafting a clever investment strategy? - 23200

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A deeper insight relating to investment property advice australia is found there. If you're on the hunt for top positive geared property information, make sure to visit them.

Understanding the Inside Spreads - How to Invest

By Sara Ferguson

One of the first steps in understanding trading is to define the players. What day traders really focus on are the activities of market makers. A market maker represents an institution (such as Lehman Brothers, Merrill Lynch & Co., Prudential Securities, and so on) that wants to make a market in a particular NASDAQ stock. The market maker is a specialist on an exchange or a dealer in the over-the-counter market who buys and sells stocks, creating an inventory for temporary holding. The market maker provides liquidity by buying and selling at any time. However, the market maker isn't under any obligation to buy or sell at a price other than the published bid and ask prices.

The downside of being a market maker is that you're obligated to purchase stocks when no one wants them. The upside of being a market maker is that you get to pocket the profits of a spread. A spread is the difference between a bid and ask price. For example, a stock with a bid and ask price of 15 1514 has a spread of 14. The bid price is $15, and the sell price is $15.25. By selling 1,000 shares at $15.25, the market maker profits by $250.

Spreads are often just a few cents for each stock. However, these pennies quickly become dollars because of high trading volume. Last year, NASDAQ market makers earned $2 billion from spreads. Day traders have sliced into some of these profits. Recent reports indicate that market maker spreads are down by 30 percent.

The existence of several kinds of spreads has caused some confusion. The following list defines some of these spreads:

Dealer spread: The quote of the individual market maker. A market maker never earns the entire spread. The market maker needs to be competitive on either the bid or offer side of the market. The dealer is unlikely to be at the best price (the highest price if selling and the lowest price if buying) on both sides of the market at the same time.

Actual spreads paid: The narrowest measure of a spread, because it's based on actual trade prices. The actual spread paid is calculated by measuring actual

Inside spread: The highest bid and lowest offer being quoted among all the market makers competing in a stock. Because the quote is a combined quote, it's narrower than an individual dealer quote. - 23200

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Sara enjoys to teach investors the art of how to invest.