Your Financial Guide

Summary: Are government bonds safe? With the economy in recession, it’s natural to worry about where you are putting your money. Government bonds are almost always a safe bet, but you shouldn’t expect to see a great interest rate.

Q: My wife and I are both happily and comfortably retired. During our younger years, we were both heavily invested in stock and mutual funds. But, after accumulating a nice little nest-egg, over the past ten years we have been very conservative and have very little in stock and mutual funds. The majority of our investments are in laddered fixed-income, such as some corporate bonds, government agency bonds and most in broker CD’s. At one point, some funds were transferred to my credit union in one year CD’s paying 3.25%.

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Chances are, you are already planning your holiday shopping. You might even be looking ahead toward Black Friday and Cyber Monday. With retailers still trying to lure customers into spending, this year offers the potential for some great deals on the biggest shopping days of the year. Here are some shopping tips that can help you get through the mess and score the deals.

Black Friday

This day is famous for ridiculous door-busters, long lines and emergency room visits by the trampled. While there isn’t much you can do to avoid the frenzy (other than stay home, of course), there are some things you can do to make your own shopping experience a little less harried:

Make list: In any shopping maneuver, a list can help you plan ahead and shop more efficiently. L Read more…

Here I am working as an Electrician (30 years) in a struggling economy in San Francisco. My hours have been cut down to 28 a week and my savings account is going fast. Having the responsibilities of a single father, mortgage, and child support (50%), and college coming soon for my daughter. I had to make a move to make some extra income. I can no longer crawl under houses or through attics to do wiring or remodels like I used to. It was time for me to get off my butt and start making something happen or I was going to loose everything I had accomplished for the last 35 years.

I thought if I could find a way to make an extra 500 to $1000 a month it would keep me above water. What to do?? After doing lots of research on line to find a company or business that would be able to support me if I joined.

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Over the past couple of years things have been very difficult for first time buyers, and one of the things that has really affected the abilities of first time buyers to get onto the property ladder is the huge deposits that lenders have been demanding since the onset of the global credit crunch.

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What’s a piece of Bernard Madoff worth? A Saturday auction of personal items that once belonged to the Ponzi schemer gave a few clues.

While potential bidders and curiosity seekers milled around the ballroom of the Sheraton New York Hotel and Towers early in the day, there were as many empty chairs as full ones. Among the items on the block were a boogie board with Madoff’s name scrawled on it, monogrammed stationary and Madoff’s insignia ring from Hofstra. The items, about 100 in all, were mixed in with another 400 pieces of jewelry and other articles seized by the U.S. Marshals Service.

Proceeds from the event, staged by Gaston and Sheehan Auctioneers, will go into a forfeiture fund overseen by the Department of Justice. The a

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Wheter you wait for to usually pay your monthly bill in full–and other features for instance frequent flyer miles do not interest you–your great selection may be a card that has no annual fee and allows a longer grace period.

When you sometimes take over a balance from month to month, you may be extra interested in a card that carries a lower interest rate (stated as an annual percentage rate, or APR).

When you wait for to purpose your card to accomplish cash advances, you’ll seek to look for a card that carries a lower APR and lower fees on cash advances. Some cards charge a higher APR for cash advances than for purchases.

What are the APR?

The annual percentage rate–APR (Annual Percentage Rate)–is the way of stating the interest rate you will pay when you carry over a balance, choose out a cash advance, or transfer a balance from another card. The APR s

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When you hear the term “internet marketing“, what do you think of?

For many, that term conjures thoughts of websites or spamming or search engines like Google, Yahoo and Bing. For others, it’s all about graphical design, writing fancy code or even affiliate programs. All of those answers correct, but the essence of internet marketing is much simpler.

At its core, internet marketing is about these things:

* Understanding the target market to which the product/service/cause you’re marketing will appeal
* Determining exactly how your target market interacts with the internet
* Positioning your content on the internet to attract the attention of your target market
* Collecting information about your target market (also known as “leads”) for follow-up and conversion into sales
* Design of offers or incentives to induce the desired actions from your leads

Since there is insufficient space in this article to give all of these topics adequate attention, let’s focus on just one specific topic with the realm of internet marketing: Email Marketing.

My best payoff has always come by focusing on permission-based email marketing. Permission-ba

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