Best High-Yield Money Market & High-Interest Savings Account - Nightly It is a good idea to review your banking strategy periodically to know that you are capturing the best interest rates and services available. This is why we created a tool that monitors the rates of more than 500 financial institutions (banks, credit unions, savings banks, and savings and loan associations) and displays the top 50 highest rates.These are weekly rate updates to help you find the best online high-yield savings account rates currently available. You can change the search criteria to look for the best rates for the type of account you're interested in as well as the amount you'd like to deposit. When I first started monitoring savings account rates, I literally kept a list by hand. Minimum to earn APY $0 Rates as of 4/13/2014 FDIC Insured Minimum to earn APY $25000 Minimum to earn APY $5000 Rates / APY terms above are current as of the date indicated. Previous Rates12...9Next Rates » Show all bank rate listings An online savings account is a helpful tool in your financial life.
10 Sentences that Can Change Your Life The power of a sentence is tremendous. A single destructive sentence can ruin somebody’s life, make your day, or change your mood. Fortunately, there are some sentences that can give us power to go on. #1 “People aren’t against you; they are for themselves.” #2 “Climb mountains not so the world can see you, but so you can see the world.” #3 “You learn more from failure than from success; don’t let it stop you. #4 “The most dangerous risk of all – The risk of spending your life not doing what you want on the bet you can buy yourself the freedom to do it later” #5 “Go where you’re celebrated, not where you’re tolerated.” #6 “The person that you will spend the most time with in your life is yourself, so you better try to make yourself as interesting as possible.” #7 “If you accept your limitations you go beyond them.” #8 “People often say that motivation doesn’t last. #9 “Everyone you meet is afraid of something, loves something, and has lost something” #10 “Comfort is the enemy of achievement.”
Does Your Investment Advisor Have an Audited Track Record? By Howard Aschwald, CFA. Chief Investment Officer, Quantum Capital Management With the recent market turmoil, investors are looking for more credibility and transparency from their investment advisors. Many investors have become disappointed with the investment results achieved by their advisors. Their performance doesn't look like anything they were shown in the presentation made by the advisor when they signed up. Perhaps it's because the track records shown to them in the presentation were not actually achieved by the advisor directly. According to a survey of 4000 investors conducted by the Paladin Registry, 91.4% of investors want their advisor to have a track record of their investment performance. These advisors are similar to professional buyers that shop on behalf of the investor to scout out investment opportunities. Track Record: Reflection of Advisor's Investment Judgment Investors should be careful when an advisor claims to pick only "the best" manager(s) or fund(s).
Free High Resolution Textures - Lost and Taken I get a lot of requests to release more seamless textures here on L&T, so this set is for you guys. It includes a giant selection of thirty repeatable textures ranging from paper to fabric to subtle grunge and noise. Each one of them is fully tile-able and will work perfect for website background or pattern overlays in photoshop. The zip file includes each texture in both 1200px and 500px sizes as well as a Photoshop .PAT file for easy integration. Enjoy! Dos and Don'ts For My Financial Advisor In this turbulent investment environment, I want the most effective and reliable advisor representing my interests. My financial advisor is a nice guy. He sends out material. He returns my calls. He remembers my kids' names. He sends a holiday card. 1. 2. 3. 4. 5. Managing Risk 6. 7. Asset Allocation 8. 9. 10.
No. 1 rules by men! We always hear “the rules” from the female side. Now here are the rules from the male side. These are our rules: Please note… these are all numbered “1″ ON PURPOSE! 1. 1. 1. Subtle hints do not work! 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. 1. Pass this to as many men as you can – to give them a laugh. Pass this to as many women as you can – to give them an education Comment the Rule your liked most…! How to choose a good financial advisor “There was a time when clients trusted professionals automatically . . . Sound character and reputation were assumed, and business was conducted with confidence . . . Although that world may be gone, the need for trust has not disappeared.” – David H. Maister, Charles H. Green, Robert M. Galford, The Trusted Advisor You are unlikely to achieve financial peace of mind if your financial advisor does not understand or agree with your goals and is unwilling to consider or discuss your investment concerns. Investors looking to choose or change a financial advisor usually decide to go with the first prospective advisor they interview. To give yourself a fighting chance of finding a financial advisor who will match your needs, you should interview at least three candidates. Examine the advisor’s level of experience. Avoid choosing a financial advisor who is too successful to find time for you. Find out what size of accounts the advisor specializes in and how many clients she has. 1. 2. 3. 4.
How To Give Your Photos a Dark Processed Lomo Effect This post was originally published in 2010 The tips and techniques explained may be outdated. Follow this step by step post processing guide to give your photos a dark lomo style effect with high contrast, blue tones and vignette burns. The effect is based on the popular lomographic technique and is similar to the processing effect used in many fashion shots and advertisement designs. Overall this effect does a great job of adding impact to a plain photography with cool colour casts and unusual saturation. View full size photo effect Begin by opening your photograph of choice into Adobe Photoshop. Go to Image > Adjustments > Levels and tweak the tones of the image. At the bottom of the Layers palette, click the Adjustment Layer icon and select Curves. Change the drop down menu to Green and tweak the graph for the green channel to further alter the tones of the image. Finally alter the Blue channel, creating an inverted ‘S’ shape to enhance the blues to give a cool colour cast.