Cd Rates And More – A Look Back At 2010 And A Look Ahead To 2011


Your financial planning for the retirement should be more on spinning a considerable profit form your retirement saving. Keeping all your saved eggs in one basket is not a good idea, but diversifying into number of pies at a given time is a brilliant idea. The whole concept here is about diversification in retirement planning and how, about the whole thing.

So, how to proceed? Assume that you are so fed up with stocks that you are willing to tie your money up in a five year Treasury note. This “chaining yourself to the mast” approach will get you a 2.8% yield as you sail through the troubled waters. There is a better alternative. It is easy to construct a portfolio of a basket of blue chip stocks with an aggregate dividend yield in the range of 3.5% to 4.0%. Further, these companies are like to increase or at least maintain those dividends. This gets some of your cash, one third is a good target level, back in the market with downside protection from the dividends. In fact, your return will surpass even the ten-year Treasury note.

We have all been captivated by the human drama that has unfolded before our very eyes since Hurricane Katrina slammed ashore this past August. People plucked off of their roof tops by the U.S. Coast Guard, children separated from their parents, bedlam at the Superdome, bodies floating in streets throughout the ninth ward, and more. These are some of the images we have all seen. Only a hard heart could fail to be affected in some way by the scenes we have witnessed on our televisions.

Is there risk in the above investment? All investments Funds recovery carry some risk. The strength of the tenant in the above example suggests the risk will be minimal. However, not all people can afford to purchase a revenue property and pay cash for it.

Richard Cavalli, a Trust Beneficiary, induced the Trustee, Ms. Bowles, to sell directly to him Trust property for less than full value. To handle this transaction properly, Ms. Bowles would have sold the property at fair market value and the earnings would be put into the Trust to be shared by the Beneficiaries. Because Mr. Cavalli got all the property for less than its value, the other Beneficiaries were cheated out of their inheritance. These Beneficiaries included his brother and four of Ms. Bowles grandchildren.

If we were to add a political crises or two, that could be the last straw to break the camel’s back. Lord knows there are enough options to qualify. Of course the wars the U.S. is fighting now could take a turn or grow in scope. Certainly Israel comes to mind. Iran seems to be hell bent to crash one way or another – into Israel, or the rest of the world as we all tire of annihilation as an agenda. Throw in an earthquake in a major financial center… Think that a little crazy – did you ever think a volcano could do what it did to much of Europe? We are all so tied together today that it is like a big house of cards. If we learned anything in late 2008 it has to be that.

And how could a stimulus plan slapped together by Beijing bureaucrats really solve the issue of internal domestic demand – China’s biggest hurdle and a challenge that simply will not succumb to short-term fixes?

So what does that mean to me as a small business owner? I’m not interested in a large loan with a lot of paperwork. I simply want a streamlined loan application where I can receive unsecured monies in the neighborhood of 5K to 50K . The last thing anyone wants to see is this type of loan going away. Well, you are in luck. Because of these incentives, banks are actually making these loans under a popular program called SBA Community Express. It does not require business plans, tax returns, or financials , and is now running at the rate of approximately 7.75% or $60 per month for every $5,000 borrowed. We can only keep our fingers crossed that this golden egg laid by Congress remains available.