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The judge said Norman Hsu stole more than $50 million from hundreds of investors in a 10-year fraud by winning their confidence with a pristine reputation, even as he ripped them off in a complex Ponzi scheme, a recipe that the judge noted fits many white-collar crimes.
The last few years have seen the emergence of a new generation savings accounts that offer unprecedented flexibility and competitive interest rates to investors - online savings accounts.
So what are online savings accounts? Put simply, they are savings accounts with high interest rates that can only be managed online with no direct branch access. This saves the banks a lot of money in staffing costs and other overheads, so they can offer competitive interest rates and increased flexibility. We are going to focus on the main plus sides to online savings accounts.
Flexibility
Many standard high yield savings accounts place all kinds of restrictions on what you can do with your money. Many demand minimum deposits, limit access to your funds and require frequent deposits. Online savings accounts are, for the most part, more flexible and some have no restrictions at all, leaving you free to access your money whenever you want.
High interest rates
The other big benefits of online savings accounts is high interest rates and this is a good place to start when comparing products. Many of the big names in the banking business are offering competitive interest rates so you will have no shortage of options.
Security
All reputable online savings accounts will be FDIC insured. This will be clearly stated on the bank’s website but you can double check on the FDIC website to be totally sure that your investment will be secure.
One concern with anything financial online is online fraud. All the big banks will have excellent security and encryption measures to make sure your money and your personal information is safe from fraud. Of course, you will have to play your part by keeping all bank account numbers and passwords secret and safe.
Convenience
High street banking is quickly becoming a thing of the past. A good online savings account will allow you to everything you need from the comfort of your home at any hour of the day. Ideally you should be able to transfer money to and from any account or accounts of your choosing at no charge, and should even be able to pay off your credit card balance. Do a good comparison of what is on offer to find a savings account online that meets your requirements.
Savings Goals
Online savings accounts, or indeed any saving accounts, offer the distinct advantage of keeping your savings separate from the rest of your finances. Ideally, you should deposit what you want to save each week or month and leave your money grow. Online accounts can help keep your savings out of sight and out of mind so you don’t overspend.
So it can be seen that online savings accounts are a new departure in banking that offer distinct advantages over standard savings accounts. Here are some of things to look out for when choosing the right account for you. Be careful of any fees such as fees for set up, monthly account fees, transfers and so on. Also, many online savings accounts do not cater for ATM withdrawals, so you may not have immediate access to funds.
However, online savings accounts are designed for investing, and with high interest rates and good flexibility their benefits far outweigh their drawbacks.
Article by Richard of the Click4Group - the group run a network of finance comparison sites comparing products including St.George Direct Saver.
This week, in Business Etiquette in Brief, we’ll be taking a look at the art of business conversation in the workplace.
How to Start & Sustain a Conversation:
Listen more than you speak-Ask open-ended questions that will require more than a simple ‘yes’ or ‘no’.
Be a good listener- Not sure whether or not the other person is done speaking? A good rule of thumb is to count to two before opening up to speak.
Paraphrase- A good way to let others know that you’ve heard what they said is by reiterating the point.
Different Kinds of Talk:
Small Talk- While many people loathe small talk, it can be a great way to get a conversation going as well as break the ice if you’re meeting someone for the first time.
Medium Talk- This type of talk deals with information specific to a group. For example, two employees might be having a conversation about the companies they represent while others may not be able to participate in the conversation.
Large Talk- Large talk deals with very specific information.
How to Gain Control of a Conversation:
Be open and friendly.
Take risks.
Be the first to say ‘Hello.”
Be genuinely interested in people. They’ll be flattered and interested in you.
Any marketer who’s successfully made the move to social media will tell you the rules of traditional marketing have to be reexamined. That’s particularly true with Twitter, where brands have just 140 characters to inform, evoke emotion and inspire action. One of the most basic and critical rules for brands on Twitter? Be authentic and transparent in all you do.
Check out these 5 Twitter tips for staying authentic and transparent:
1. Reveal who’s behind the Tweets. It doesn’t necessarily matter who it is—the CEO, the social media manager or a marketing intern. It just matters that the person is in fact a person. Putting a face and name behind your Tweets through a photo and brief bio can help followers relate to and connect with your brand.
Kodak is an excellent example of a company that’s put a face to the brand on Twitter. The company’s official Tweeter, chief blogger and social media manager Jennifer Cisney , leaves no guesses as to who she is and what she does. Her Tweets strike a healthy balance between letting her personality shine through and offering too much irrelevant information (i.e., “Sitting on my couch watching Desperate Housewives and eating popcorn.”)
2. Show some personality. It doesn’t have to be all business all the time. Have some fun with your Tweets by telling humorous stories or poking a little fun at yourself every now and then.
Part of what makes Ford Motor Co. head of social media and Tweeterati Scott Monty so successful and popular is his ability to make followers feel like he’s an old college buddy or family friend. His bio tells his followers he’s “a generally nice guy.” But his genuine Tweets—a combination of marketing insight, Ford and auto news, and his own personal anecdotes—lets them know that’s the case.
3. Admit when you’re wrong. With the explosion of social networks over the past few years, bad decisions and unfortunate snafus are exposed sooner rather than later. So it’s important for brands to fess up first and show their willingness to rectify the situation. With that said, why not turn a negative situation into a positive one?
After you’ve admitted to a mistake, strike up some friendly competition by asking your followers to submit their own “biggest oops moment.” Choose—or better yet allow followers to vote on—the best story. Offer some sort of an incentive to the winner, whether it’s a coupon, a free product or a gift certificate.
4. Get to know your followers. Let’s face it: Your followers—and potential customers—have more on their minds than just your brand. Ask your followers questions about themselves, gain a sense of who they are and customize your responses to them based on their personal details.
In the end, not only will you be viewed as an authentic and trusted brand on Twitter, you’ll also obtain valuable information on customer demographics.
5. Don’t get carried away by your accomplishments. With trial-and-error, know-how and a little luck, you’re likely to find much success in your social media and Twitter efforts. But don’t let it go to your head. Keep in mind that it’s your followers who gave you that success.
You’d be hard pressed to find a Twitterati that’s been more successful at using Twitter for customer service than Frank Eliason from Comcast. But what keeps them relevant and useful for followers over the long term is their ability to remain genuine and humble amidst widespread popularity.
While there are any number of ways to fail while trying to effectively market on Twitter, social media usage by companies has matured enough for a growing number of good examples to emerge. Being aware of what’s working for others can be priceless insight for how to develop your own genuine communications and brand experience with customers on the social web.
What are some brands that have done a good job at staying authentic and transparent on Twitter? What other Twitter tips do you have for remaining authentic and transparent?
California is about to become the first state to regulate how much energy flat-screen TVs use. If the new rules go into effect in November as planned, many flat screens sold in California in 2011 will have to use a third less energy than they do now. Some retailers have banded together to oppose the regulations.
The Yen rose to a 7 month high versus the Dollar as Japan's new government reiterated its opposition to pursuing deliberate currency devaluation strategy. The Sterling dropped to a 3 month low versus the Dollar last week after Bank of England Governor Mervyn King was quoted as saying the Pound's weakness is aiding in stabilizing the U.K.'s economy. Today's trading day will likely experience the markets reaction to the G20 leaders' decisions, mainly their pledge to continue supporting the stimulus efforts.
USD - USD Falls below 90.00 Yen
The Dollar weakened on Friday after a set of mixed U.S economic reports as well as reports that the G20 leaders will continue to provide support for the global economy. The Dollar index fell to 76.774 Friday, down from 76.901 late Thursday. The Dollar remained down more than 1% versus the Japanese Yen after statements by Japan's Finance Minister Hirohisa Fujii that he opposes intervening in the currency markets to curb the rise in the Yen.
Orders of durable goods unexpectedly fell 2.4% in August. Sales of new homes rose 0.7% to a 429,000 pace in August, much slower than the expected 442,000. On the other hand, the Reuters-University of Michigan consumer sentiment index was revised to 73.5 in September, compared to a previous estimate of 70.2 and 65.7 in August, beating analysts expectations.
No news events are expected today form the U.S; therefore, it is likely that Dollar sentiment will be determined by investors' reactions to the G20 concluding statements.
EUR - Sterling Trades at a 3 Month Low vs. USD
The Sterling dropped to a 3 month low below $1.60 last week after Bank of England (BOE) Governor Mervyn King was quoted stating the Pound's weakness is aiding in the recovery of the U.K economy. The EUR traded at $1.4665, up 0.2% from Thursday.
The Sterling slid 2.1% versus the Dollar last week following very dovish announcements by BOE Governor Mervyn King, calling the Pound's recent drop “very helpful.” The Pound fell Friday to $1.5918, the lowest level since June 8, and depreciated to 91.19 per ERU, the weakest level since April 1.
While a rather slow news day is expected today, ECB president Trichet's speech at 2:30 GMT is likely to provide volatility to the EUR as interest rate targets and exit strategies are likely to be discussed.
JPY - Yen at a 7 Month high versus the Dollar
The Yen registered sharp gains Friday, breaching the significant Y90.00 barrier against the Dollar and reaching the highest levels versus the greenback in over 7 months. Japan's currency benefited from supportive comments from Japan's finance minister Hirohisa Fujii who said that he opposes intentional devaluation of the Yen.
The JPY advanced 1.8% this week to 89.64 per Dollar from 91.29 on Sept. 18, briefly touching 89.51 Friday, the strongest level since Feb. 5. The currency also gained 2% to 131.70 per ERU, from 134.33.
Crude Oil - Crude Prices up Slightly on Mixed Data
At the end of a very volatile trading day Friday, Crude Oil futures rose slightly, for the first session in 3, following the release of mixed economic data from the U.S as well as on increased odds of broad based sanctions against Iran, the world's 4th largest Oil producer. Crude for November delivery rose 13 cents, or 0.2%, to end at $66.20 a barrel on the New York Mercantile Exchange, after dropping as low as $65.05, the lowest level since July 30. Overall futures tumbled more than 8% this week, the biggest weekly loss in more than two months.
The unexpected jump in the Reuters/UoM Consumer Sentiment Index to 73.5 in September helped push up Oil prices; however, concerns over weak demand dampened Friday's gains. Furthermore, several worse than expected economic data from the U.S stemmed further Oil's Gains.
With last Wednesday's report by the Energy Information Administration (EIA) stating that inventories of Crude Oil, gasoline and other petroleum products all rose last week and a lack of any significant economic news today, Oil prices will likely continue to stay subdued throughout today's trading day.
You are owner of a big amount of money! Moreover, you are interested in what a way you may increase your funds. This article is devoted directly to this question. One of the quickest ways to gain money with the help of your funds is to start gambling at the stock market. Nevertheless, it is not news for you, as you are educated person and obviously have thought about this variant. For a long time you have been interested what kind of stock market to chose! However, do not make the decision until now. Therefore, we would try to help you with this problem.
First thing you should know, is the distinguishing the stock markets as for their characteristic features. We belong to them such as: stability of the stock exchange, visibility of it, dividends it possesses and also the international exposure.
Let us talk about each of them in details. The first one characteristic feature of the stock exchange is its stability. It is the most significant feature of the stock market. The stability of the stock exchange means that the company usually does not have strong grows rates of the smaller cap stocks. So, the visibility of the stock market means that the market has constant, stable and solid gaining. The very kind of stock exchange is the less risky among other stock markets.
The second important characteristic feature of stock market you should pay attention to, is the visibility of the gambling on the stock. The visibility means that all information related definite stock market is available to everyone who wants to get more about the activities of the stock exchange.
The stocks in such markets are widely held by the common public, pension funds, endowments, large investors and of course mutual funds. These funds are usually covered by great deal of analysts. Such kind of stocks is less risky than the smaller cap stocks. The next characteristic feature we are going to talk about is dividends of the stock exchange. Great deals of large companies pay out their dividends as their earnings. Many investors are seeking for such valuable holdings to income. The other feature of the stock exchange is international exposure. It proves that large cap companies tend to do business globally. This fact provides their geographical diversification for their operations and earnings. They may capitalize in the way of moving operations to low – coast corporations in other country. They also tap world –wide pools of talent. In their home economies, they are not depended on slumps.
If you analyze all given to you information, but still not sure that your decision is right, try to get the portfolio of the stock exchange you want to deal with. It would answer all your questions.
Lots of people who take care of their retirement investing or any other kind of investing activity use stocks to diversify their sources of income.
We highly recommend to visit this website with stock market news, and without the latest stock market news your trading activity with stocks can bring big problems.
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