If you have some hard earned savings to invest that can generate high interest rate, you should deposit it in a high-yield savings account. It is a risk free investment because you can open a savings account and put in the maximum amount protected by the FDIC. During these uncertain times, savings accounts, money market and certificates of deposits represent the surest way to invest your money.

Right now, as an alternative or to complement your business with a traditional bank is online banking. If you have not yet tried it, you should invest some time and take stock of what it is all about. In this information technology age, all the important data and factors for your serious consideration are accessible right up your screen monitor with simple clicks here and there. Via the internet, you can review, compare and analyze the best high of interest your offline bank is giving you as against what is being offered by online banks. You don't have to close your account with your bank where you are a loyal customer for years. Nonetheless, this is the moment to roll with the times and the trend now is online banking.

First thing you have to do is to access the web for the latest info about the subject of high yield savings account. You can then visit as many websites of online banks such as those of American Express, SmartyPig, Ally Bank High Yield Online Savings Account, HSBC Advance, WTDirect, EverBank Yield Pledge, Dollar Savings Direct, ING Direct, etc. Once you do this, you have just acquired firsthand foundation knowledge.

About the Dollar Savings Direct, you will find out that they are offering a 2.65% APY interest rate with a $1,000 minimum to open and no minimum balance and no fees. For a 16-month CD, you can get a 3.00% APY with compounded daily interest and monthly crediting. You get peace of mind knowing that it is a FDIC insured member with Certificate no. 12054. If your curiosity is aroused, you can go deeper and learn more on the details of their customer service. You can review some client testimonials, company profile, financial reports and account management fees and charges.

If you take a snap at the features of WT Direct, you will know that their current APY interest rate is 2.18% which is in the top 5% among US banks. It takes only $1.00 to open with no minimum balance required. They have no monthly fees, zero liability guarantee for unauthorized transactions, no checking account required for high rate. Again, it has a FDIC insurance certificate no. 33911. With ING Direct, it is also FDIC insured with Certificate no. 35489. They pioneered the concept of online savings account and have more than 17 million customers in 9 countries where they operate. Money Magazine voted it as the "Best money market account in the United States. "Its opening deposit and maintaining balance requirements are similar with WT Direct.

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Dear Debt Adviser,
Why is it that nowadays every organization that you do business with, from insurance to employers, wants to access your credit report?

I can understand if you were applying for a job that involves handling money that they might want to see if you have the potential for embezzling, but my homeowners insurance company accesses my credit report every year and raises our insurance based on the amount of credit we have. If our debt owed is high, they assume that we are a high risk for filing a claim down the road. They do not take into account that we are never late on any of our debt and that in 10 years we have never filed a claim on our home or auto or motorcycle insurance policies. Why should we be included in some sort of risk-based assessment, and is this legal?
-- Gina

Dear Gina,
The reason so many companies and individuals use credit reports as an assessment tool is because they work. And I hate to be the one to tell you, but you can expect a lot more of it in the future.
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Saveology, an innovative daily deal startup that features national, regional and local daily deals in 42 markets, is proud to announce an exciting partnership with Bank Atlantic Center of Miami , the home of infamous hockey team the Florida Panthers, it was announced today.

Fort Lauderdale, FL (PRWEB) November 04, 2011

"This partnership is a great way to create more local exposure for Saveology while simultaneously allowing us to give back to the community," said Rachel Tabari , VP of Saveology Daily Deals. "We are so proud to not only be partnering with the Bank Atlantic Center but also to have a presence at the Florida Panthers home games, a team we've stood by and supported for years."

The Saveology giveaways at Bank Atlantic Center are also exciting because few daily deals companies have been able to step into the arena-sponsorship business, proving the compatibility of the daily deals structure across different platforms while also


exemplifying Saveology's unique branding approach.
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Mumbai, Nov 29 : Calling for the need for introspection and developing business plans that help larger participation, SEBI chairman U K Sinha asserted that India definitely has an opportunity to figure as a favoured financial destination.

Addressing the Confederation of Indian Industry's (CII) third Capital Markets Summit, he also mandated the market players to innovate products with a social purpose taking into account the customer needs.

Mr Sinha informed that Securities and Exchange Board of India has enhanced its surveillance capability and has also introduced mechanism to examine its organizational structure to strengthen investor trust.

He observed that in the recent past, certain risky products were introduced in the markets across the globe and these products failed between regulators. Hence, a clear regulatory mechanisms need to be devised, he said.

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*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

Having spent over 10 years as a Financial Adviser and over 11 years as a mortgage banker I can tell you without hesitation or reservation that you should never, ever use a Consumer Credit Counseling Service.

First of all, to a mortgage banker as well as to an institutional lender, when we see that your credit is under third party management it sends a clear and not so subtle message that you are not responsible enough to handle your personal financial matters. Quite frankly, there is nothing that these Consumer Credit Counseling Services do for you that you cannot do for yourself.

When you go and turn over your accounts to a Consumer Credit Counseling Service several things happen to you and your credit report; most of which will not be disclosed to you until it is too late.

- Your accounts have to go to collections! Whether it is the company's internal collections department or a third party debt collector is irrelevant. The account has to be in collections before a Consumer Credit Counseling Service can assist you. If the account is not in collections they will normally cease payments until such time that the account does go into collections. The fact that the account defaulted and went to collections is clearly reported on your tri-merge credit report.

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In these troubled times, financial advisers can be worth their weight in gold. Having a professional on side to guide you through the money maze is even more important when the economy is slow. After all, the savings, investments and pensions you hold have to work substantially harder when inflation is high, and you certainly wouldn't want disaster to strike when times are hard.

You might not have considered getting help from an independent adviser, but there's an important reason why you should. Most high-street banks now try to cajole customers who visit their branches into having something called an "account review". This is usually dressed up as offering help from one of their advisers, but in reality is merely an attempt to sell you the bank's products. The simple truth is that the people who work in banks are there to increase that bank's profits, so they're not going to tell you to invest your money down the road, even if that's a much better option. An independent financial instructor, on the other hand, can take an overview of all the products on offer, and find one that works best for you.

Why do I need financial advisers to help me?

There are many reasons you might require a specialist's help: if you're concerned about the state of your pension, for example, or if you'd like to work out how well your savings are performing. If you have children, you might wonder how you can start saving for their university education, and finance specialist will be only too happy to help with that. If you're in a comfortable position, but believe you could benefit from stock investments, then an independent financial adviser is the first person to speak to.

One very common reason that people contact advisers is inheritance. If you're the recipient of a sum, then it's vital that you don't leave it earning pitiful interest in a standard bank account. Conversely, independent financial advisers are experts in minimising your exposure to inheritance tax, so you'll be able to leave more of your hard-earned money to your loved ones when you're gone.

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Although Egypt’s cabinet has been in power for more than two months now, they have been unable to solve Egypt’s unrelenting political tension, which has taken its toll on the economy. The ongoing trials and tribulations of the deposed president’s court case have also had a huge effect investor sentiment.


But it seems some have gotten used to the turmoil. The Egyptian Exchange’s three main indices recorded stable performances, with some even recording small gains at the beginning of the reporting period starting August 21. All that changed after thousands of protesters broke down a security wall in front of the Israeli embassy and then storming the building on the evening of September 8.


When authorities finally intervened, the streets became a war zone throughout the night and into the early hours of September 9. The subsequent call for stability from the government raised more concerns about security issues.


By the end of the period, the EGX 30 had dropped 8.1%, settling at 4,364.60 points from 4,747.17 points. It was more of the same for the EGX 70 and EGX 100, which recorded losses of 4.5% and 6.6% to end at 540.55 and 826.99 points.
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London - The growth in Africa's Facebook numbers show that it has touched a chord with users at a near mass level. Social media played a part in the Arab Spring and they've been arguing about what part ever since. Here at Balancing Act we decided to engage with social media about 12 months ago and this article looks at what we've discovered since then.

Balancing Act's universe of users is about 11,000 people, around 70% of whom are interested in telecoms and Internet in English and French and 30% in broadcast and film: that's those topics from Africa, not anywhere else. We are a specialist, niche media so bear these figures in mind when looking at the stats below.

Readers sometimes write and talk about "in your blog" and the "the blog you write" but besides the Top Story every week in these e-letters (which are based on facts but are opinionated), the rest is a newsletter. It comes out at a particular time so people know when to expect it and it has sections so they know where to look for things that might interest them. We could do a blog separately but somehow what's the point when you have a weekly opportunity to say something?

So about 12 months ago we decided to get engaged with social media to see in practical terms what it meant. Since it eats time like some minor addiction, you have to decide what you're going to do and how much of it. We chose to put time into LinkedIn because it is a site for professionals rather than Facebook that has taken advantage of corporate interest but is still fundamentally individuals.

You can't appear on all social platforms so we chose Twitter rather than the slightly more long-form Tumblr and we chose You Tube rather than Vimeo. In other words, we made somewhat safe choices on the basis that it's easier to be on platforms that are well-known and established with existing audiences. So for example in African terms, You Tube is up in the Top 5 most-used sites in those African countries analysed by alexa.com whereas Vimeo and Tumblr are not.

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BANGKOK - World stocks fell Wednesday after a meeting of Europe's finance ministers failed to stem fears that the euro currency union is hurtling toward a breakup. Banking stocks slumped after some of the world's top financial institutions were slapped with a credit rating downgrade.

European shares headed south in early trading. Britain's FTSE 100 fell 0.8 per cent to 5,296.40. Germany's DAX shed 0.7 per cent to 5,760.28 and France's CAC-40 lost 0.6 per cent to 3,007.73. Wall Street was also headed for a lower opening. Dow Jones industrial futures fell 0.6 per cent to 11,501 and SP 500 futures were 0.6 per cent lower at 1,189.40.

Sluggish trading began earlier in the day in Asia, where Japan's Nikkei 225 index dropped 0.5 per cent to close at 8,434.61. South Korea's Kospi dropped 0.5 per cent to 1,847.51. Hong Kong's Hang Seng dipped 1.5 per cent to 17,989.35. Australia's SP/ASX 200 swung back and forth until settling 0.4 per cent higher at 4,119.80.

Mainland Chinese shares plummeted, with the benchmark Shanghai Composite Index falling 3.3 per cent to 2,333.41. The Shenzhen Composite Index dropped 4 per cent to 994.02.

Sentiment was dented after a meeting in Brussels of finance ministers from the 17 countries that use the euro ended without an announcement on plans to contain the debt crisis that is threatening to shatter the currency union.

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Like the little girl in the old jingle, when student loans are good they are very, very good, and when they are bad they are horrid. President Obama and his new Consumer Financial Protection Bureau are trying to do something about it.

At best, they make it possible for students to attend college without having to pay up front the constantly rising tuition and fees and living expenses.

At worst, the loans can hang like a millstone for many years, whether or not the borrower can get and keep a job and make enough to keep up regular payments. A default can mean a poor credit rating that could block buying a car or a house.

Americans now owe more on student loans than on credit cards, reports the Federal Reserve Bank of New York. It puts the total student-loan debt at $550 billion. The FinAid.org website puts the total even higher, at $830 billion, with the average 2011 graduate owing $27,204. The nonprofit Project on Student Debt says the average debt of 2009 Maine graduates was $39,237.

Outrage over this debt load has led to an online petition asking the president to forgive the student loans altogether. Signon.org , an offshoot of Moveon.org , already claims more than 600,000 signatures. Some signers pledge to stop all payments on their loan debts when one million have signed. Total forgiveness is unlikely, if only because federal aid money could be better spent elsewhere.

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It should be the most exciting tech company on the block. Instead, it remains a media wallflower. The notion that Linkedin is boring has become something of a media meme.

TechCrunch once called it " the boring social network that won’t find you a date but may land you a job ." My colleagues openly admit that they ignore Linkedin . In fact, most Linkedin members rarely look at the site.

Are you seeing a pattern here? Linkedin is just not sexy .

This is a huge injustice, of course. Other tech companies with IPOs get all the media limelight, even though Groupon is an infamous disaster area which may or may not go belly up if its revenues decline, Zynga's business model consists entirely of Damocles Swords , and Twitter may or may not have a viable revenue model.

Linkedin, meanwhile, continues to plod away. It's latest new feature? A business card scanner . Zzzz.

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by Elizabeth Waibel
Nov. 29, 2011

The Penguin, a restaurant at One University Place, will have its grand opening this Thursday at 3 p.m. The restaurant (1100 John R. Lynch St., Suite 6A) serves a casual lunch menu with daily specials and more sophisticated dinner entrees, such as duck a l'orange and steaks. A reincarnation of a restaurant that was located in the same area in West Jackson that closed in the early 1980s, The Penguin is open Monday through Saturday, from 11 a.m. to 11 p.m. Visit thepenguinms.com or call 769-251-5222 for information.

Small Business Grants

The City Council approved grants yesterday for three small businesses in Jackson to buy equipment and technology. Brent's Drugs (655 Duling Ave.), Myers Insurance Group (4915 Interstate 55 North, Suite 206 B) and The Copper Iris Catering Co. (115 N. State St.) will receive up to $5,000 to $10,000 each under the Small Business Development Grant program.

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