Bonds

Bond basics

When you buy a bond, you become a lender. The bond issuer is the borrower. The bond issuer might be a company, a city, a state, or a federal government agency. They may borrow for short periods to manage cash flow or cover operating costs, for example. They may also borrow money for longer-term goals such as to build new facilities or pay for new technologies. Cities or states may need to build bridges or provide other community services. One common way to borrow money is to issue a bond series and sell units of the series to the public.

Why own bonds?

Bonds are a good choice if you're looking to earn a steady income with the potential to beat inflation. Bonds are sometimes referred to as "fixed income" securities. They pay you interest based on a fixed rate for a specified period of time, thus earning you "fixed income."

If you are thinking of buying a bond, consider some of the following questions:

• How much will you earn?
• When will you be paid the interest?
• How long is the loan?
• How reliable is the borrower?
• How much do they want to borrow?

How much will you earn?
The amount that you earn will be based on the bond's face value, coupon rate and yield.

The face value, or par value, of a bond is the value of the bond at maturity, the date when the loan is paid off. A common face value is $1,000 per bond. It's important to keep in mind that the actual market price of a bond may be higher or lower than the bond's face value. A bond's market price can fluctuate over time, depending on a variety of factors including investor demand, interest rate movement, the bond's maturity date and the creditworthiness of the issuer.

A bond's coupon rate refers to the interest that will be paid based on the face value of the bond. A bond with a face value of $1000 and a 7% coupon will pay $70 a year in interest. Interest may be divided into quarterly, semiannual or annual payments, depending on the issuer and the individual bond.

If you purchase a bond at face value, your coupon rate and actual earned yield will be the same. However, bonds are often sold at higher or lower prices than their face values. As a result, your actual yield can be different from the bond's coupon rate. Buying a bond at a discount, or less than its face value, results in a higher yield than the stated coupon rate. In contrast, buying a bond at a premium, or more than its face value, results in a lower yield than the stated coupon rate.

How safe is your bond?

When you buy bonds, you're taking a risk that borrowers with poor credit ratings may not repay their loans on time, or even at all. Two major services, Moody's and Standard & Poor's, rate the creditworthiness of bonds. Ratings are based primarily on the credit history and current status of the issuer.

The ratings use a letter system. They go by letters, like at school. The ones with only As in their rating are of high quality. The ones with a B in the rating are of medium quality (except for Moody's B rating, which is below medium quality). Bonds with a C are either low quality or extremely low quality.

Bonds are commonly labeled either "investment grade" or "junk" quality (often called "high yield" instead). The less creditworthy the borrower, the higher your risk is of not being repaid what you lend. For that reason, higher risk bonds usually provide a higher interest rate.

You can avoid the issue of creditworthiness entirely by investing in bonds issued by federal government agencies. Repayment of these loans is guaranteed by the Full Faith and Credit of the U.S. Government.

What do Bond Ratings Mean?

Moody's Bond Ratings

Aaa

Best quality, with the smallest degree of investment risk.

Aa

High quality by all standards; together with the Aaa group they comprise what are generally known as high-grade bonds.

A

Possess many favorable investment attributes; considered upper-medium-grade bonds.

Baa

Medium-grade bonds (neither highly protected nor poorly secured). Bonds rated Baa and above are considered investment grade.

Ba

Have speculative elements; futures are not as well-assured. Bonds rated Ba and below are generally considered speculative.

B

Generally lack characteristics of a desirable investment.

Caa

Bonds of poor standing.

C

Lowest rated class of bonds, with extremely poor prospects of ever attaining any real investment standing.

Standard & Poor's Bond Ratings

AAA

'AAA' is the highest rating assigned by Standard & Poor's. The bond issuer's capacity to meet its financial commitment is extremely strong.

AA

A bond rated 'AA' differs from the highest-rated obligations only to a small degree. The bond issuer's capacity to meet its financial commitment on the bond is very strong.

A

A bond rated 'A' is somewhat more affected negatively by changes in world and economic conditions than bonds in higher-rated categories. However, the bond issuer's capacity to meet its financial commitment on the bond is still strong.

BBB

A bond rated 'BBB' show signs of adequate financial protection. However, unfavorable economic conditions or changing circumstances are more likely to weaken the bond issuer's ability to meet its financial commitment.

'BB', 'B', 'CCC', 'CC', and 'C'

Bonds with these ratings are regarded as having significant risk, even though they may have some positive qualities. 'BB' indicates the least degree of risk and 'C' the highest.

D

A bond rated 'D' is in payment default.

Taxable or tax-free?
Depending on type of issuer and your state of residence, the interest you receive from a bond investment may be taxable or tax exempt. Generally speaking, all corporate bonds are taxable. Municipal and state bonds are typically tax exempt if you live in the same state where the issuer is located. Federal government bonds are not federally taxable but may be taxable at the state and local levels.

Do interest rates affect prices?
In short, interest rates and bonds work like a see-saw: when rates rise, bond prices tend to fall, and when rates fall, bond prices tend to rise. If the economy's interest rates rise, newly issued bonds will pay higher interest than the bonds you own. Typically, your older bonds will be worth less, and you'd have to sell them at a discount. If, however, the economy's interest rates drop, newly issued bonds will pay lower interest than the bonds you own. Then your older bonds will be typically worth more, and you'd be able to sell them at a higher price. If you hold a bond to maturity, you will not face these price changes.

Interest rates can also influence an issuer's decision to pay off the bonds early. Just as you can pay off a mortgage at any time without a penalty, many bond issuers have the ability to "call" in the bonds early. Typically, if interest rates drop significantly, a "callable" bond will get called. This allows the bond issuer to get rid of this high interest debt and borrow again at a lower interest rate.

How long are you willing to tie up your money?
Time also plays a big role in how much risk you'll be taking and how much interest will be paid. In general, the longer you're asked to lend your money, the higher the risk that something might go wrong, and therefore the higher the interest rate you can expect to earn. There are three main time-based categories:

• Short-term bonds (generally under 2 years).
• Intermediate-term bonds (generally 2-10 years)
• Long-term bonds (generally more than 10 years)

How can you manage risk?
To help manage these risks, many financial professionals recommend holding a variety of bonds with different maturity dates. As with stocks or most types of securities, you generally want to avoid holding a large bond position with a single issuer or type of bond. Bond mutual funds can also reduce risk because they invest in a pool of many bonds.

Types of bonds

In general, there are three main types of bonds:

• Municipal bonds
• Corporate bonds
• Government bonds

Municipal Bonds
These are issued by state and local governments or their agencies to pay for public improvements, reducing debt, or other public purposes. If you buy bonds issued by your home state, you will not have to pay state income tax or federal income tax (or city tax, if you have one). If you buy bonds issued by another state, you will not have to pay federal tax, but you will pay tax to your own state (and city if applicable).

Corporate Bonds
These are issued by corporations that want to raise money for their business ventures, ranging from balancing their cash flow to buying new equipment, building new facilities, or spending on new research.

Interest earned from corporate bonds is taxable, so they tend to pay higher rates than government or municipal bonds, which have some tax benefits. Corporate bonds are often considered appropriate investments for the bond portion of your retirement plan investments, because you get the higher interest and still aren't taxed until the earnings are withdrawn. A municipal or government bond will pay you less interest and already offers a tax benefit, so they offer less incentive to include them in your retirement portfolio.

Government Bonds
Government bonds are those issued by the federal government or one of its agencies. From a credit perspective, these are the safest of all investments because they're backed by the "full faith and credit" of the U.S. government; so unless the U.S. goes bankrupt, you're guaranteed to get your money back. Common types of U.S. government bonds include Treasuries and Savings Bonds.

Treasuries
Treasury bills, notes, and bonds are collectively called "Treasuries."

• Treasury bills (T-bills): These are short-term securities that mature in a year or less. You buy them at a discount price and at the end of the term, you're repaid the full price. The difference is what constitutes your earnings. These earnings are exempt from local and state income taxes, but must be reported on your federal tax return.
• Treasury notes: These are issued for the intermediate term, such as 2 years up to 10 years. Expect to earn a little higher interest rate than what you could get from a T-bill. Interest is paid every six months. Earnings are exempt from local and state income taxes but must be reported on your federal tax return. You can sell your Treasury note before it matures, if you wish.
• Treasury bonds: These are issued for the long-term, generally from 10 years to 30 years. Expect to earn a higher interest rate than what you could get from a T-note. Interest is paid every six months. Earnings are exempt from local and state income taxes but must be reported on your federal tax return. You can sell your Treasury bond before it matures, if you wish.

Savings Bonds
Savings bonds are government bonds designed especially for individual investors. As such, they can generally only be redeemed by their original owner, except in limited circumstances. Savings bonds include:

• I Bonds: These are savings bonds that help protect against inflation. They pay a fixed interest rate combined with a variable interest rate that's updated twice a year based on the current inflation rate.
• EE Bonds: Series EE savings bonds issued on or after May 1, 2005 earn a fixed rate of interest. They increase in value every month instead of every six months. Interest is compounded semiannually. If you cash them in before owning them for 5 years, you will be penalized the last three months of interest. Interest earned on Series EE bonds is exempt from state and local income taxes. You can defer federal income tax until you redeem the bonds, which will stop earning interest after 30 years. Since interest isn't taxed until you redeem a bond, your savings grow faster. EE bonds can also assist you with tax planning, as you have the flexibility to redeem the bonds on your own terms.
• HH bonds. HH bonds also earn a fixed rate of interest. Unlike EE Bonds, HH Bonds pay interest every 6 months until maturity or redemption, whichever comes first. The U.S. Treasury discontinued the HH series of bonds in 2004, but will continue to honor outstanding HH bonds still held by investors.

Guide to Money Transfer Services

As the world becomes more and more intertwined, transferring money becomes more of a necessity as people and businesses need to conduct monetary transactions with many miles and oceans between them. As the need for wiring money has grown, so have new wire transfer businesses that are looking to fill this need.

The new money transfer solutions offer more flexibility and reliance on electronic sending and receiving of funds than their older counterparts. The newer money transfer companies also offer competitive rates and more countries where money can be sent.

Businesses using money transfer companies should keep a few things in mind:

1. The flexibility each company offers. In today’s fast paced world of instant connections, you want a money transfer solution that is as flexible as your business needs demand.

2. Businesses are always looking for ways to save money, so looking at the fees associated with money transfer companies is a way of keep your eye on the bottom line.

3. Beware of the many scams associated with wiring money. Make sure the person or company you are doing business with is reputable.

Action Steps

The best contacts and resources to help you get it done

Determine what's more important to you: flexibility or familiarity in a wire transfer Western Union and Money Gram are the best known and the largest of the money transfer services. Since they are the most popular, they are also the most used and have the highest fees and in many cases offer restrictions on what type of payment they will accept when trying to wire money. Many of the newer money transfer businesses offer lower fees and fewer restrictions when sending money to be transferred.

I recommend: Consider Xoom’s money transfer service because they place an emphasis on electronic transferal of money, which cuts down the need to find a location to send or receive your funds.

Understand the fees associated with wiring money It's important to be aware of the fees associate with wiring money, as they can drastically affect the amount the intended receiver actually ends up getting. Most wire transfer services base fees on not only the amount of money being sent but the destination it is being sent to as well. The further the money has to travel, the more money it will cost you to send it.

I recommend: Try iKobo money transfer because you can send up to $1000 anywhere in the world for just $5.

Beware of scams associated with transferring money Many scam artists use money wiring services as a way to part you from your money. It is important to be wary of any person or business that wants you to wire money to them as the only way to conduct business with them or pay for a service or product.

I recommend: Western Union’s guide Protect Yourself From Fraud gives a detailed look at how to avoid the many ways one can be scammed when conducting business using wire transfers. If you completed your wire transfer online and you feel you been defrauded, contact the Internet Crime Complaint Center.

Start your own money transfer service Instead of paying wire transfer services to send your money, start your own money transfer business. It is not as difficult as it sounds. With the right agents, commitment and money transfer software, you can begin wiring money for people and

Best Home-Based Business Ideas

Is this the year you'll to start a small business from your home? If so, what opportunities provide your best bets for success? Menlo Park (Calif.)-based Homestead Technologies, which helps entrepreneurs design and maintain their Web sites, has come up with a list of the best home-based business opportunities for 2007. Manvinder Saraon, the company's vice-president of marketing and business development, discussed a few of them recently with Smart Answers columnist Karen E. Klein. Edited excerpts of their conversation follow.

How did you determine which business opportunities have the most potential for home-based entrepreneurs in 2007?

We looked at the business areas where there's a lot of spending going on and the areas that are hugely popular right now. We also looked at commonly held "pain points" for consumers, and trends where there are markets breaking out. We also looked at how difficult it is to get started, in terms of experience, education, and money. For instance, we feel that one of the best opportunities presenting itself for the home business market is being a garage organizer.

Why specifically focus on garages?

Because there's been a popular trend toward home makeovers and interior design and closet organizing for a few years. You don't have a big barrier in having to educate the marketplace about whether this is a valuable idea. But the one area of the home that's not been focused on so far is the garage. And garages of typical Americans tend to be very cluttered. So there's a market there, and it also presents easy entry: You don't need a specific degree to organize a garage. You're offering your skills and your time and hard work.

What are some other categories with a similar familiarity in the marketplace?

Another one is a niche market created by the eBay phenomenon. There are more than 700,000 businesses selling on eBay, and many of them recognize that they would be more successful if they had access to market research like pricing strategies, shipping information, and product analysis.

Home-based entrepreneurs who have some experience with eBay themselves could provide educated recommendations to these sellers or would-be sellers on a consulting basis. It's a classic business-to-business niche, but with an application in a new and growing marketplace (see BusinessWeek.com, 9/7/06,

A similar idea would be doing specialized outsourcing jobs. Outsourcing is integral to many firms that have limited resources and need to focus on their core competencies, and a lot of companies prefer doing business with other small-business owners. So we could see home-based entrepreneurs doing outsourcing jobs for small companies.

What kind of outsourcing services would they provide?

It depends on their backgrounds. They could specialize in business functions like sales, customer service and support, human resources, recruiting, accounting—any competency that they have and that a small business cannot afford to build in-house, or chooses not to establish in-house. For instance, there are people who love interacting with the public and who are very good on the telephone. Small companies could hire a home-based person like that to answer telephone or e-mail inquiries and take orders, as long as they can get them the proper training and familiarize them with the company's products, policies, and services.

One of the specialized services that we pull out for inclusion in the list on its own, by the way, is running a home-based debt-collection agency. There is so much outstanding debt that we currently have more than 6,000 debt-collection agencies in this country. But we believe there is going to be more growth in that area and more fragmentation in terms of individual debt-collection services popping up to specifically service small businesses

Doesn't that require the entrepreneur to have education or some special training?

Yes, you do need to know about the federal laws that cover debt collection and small business, and those specific to your state and any other states where you'll be doing collections. There are also laws that are specific to home-based businesses and what they can do vs. what office-based businesses can do in terms of debt collection. The best way to familiarize yourself with the whole arena might be to get a job working for an established debt-collection agency for a while. That's also a good way to figure out whether it's something you are good at and enjoy doing.

Related to that idea is another outsourced service: doing background checks for employers who are considering potential hires. Small businesses with limited resources understand that pre-employment screening is becoming mandatory because of security concerns and issues like workplace violence. But they don't have a human resources department that can do this. So they are turning to background-check companies to handle reference checking, criminal background investigations, and due diligence. This business is ideal for startups who want to operate from home and provide a vital service to companies. Again, they will need to understand the legal requirements involved, particularly those having to do with privacy.

Here's another idea that you think is going to pop in 2007: pet sitting.

Right. Providing companionship for pets while people are out of town is another great home business idea that doesn't require specialized education, just a love of animals. People don't like to keep their pets at veterinary clinics in a cage, but they may be reluctant to impose on their friends and neighbors if they travel a lot. There's a $34 billion-a-year industry in pet services in this country, and 135 million dogs and cats in the U.S., so again we know there's a huge market out there.

Digital photography also provides what you think might be a huge market in "scrapbooking." But hasn't that trend already peaked?

You're right that people have been teaching scrapbooking workshops and selling products for several years now. But our idea is a twist on that, as an opportunity for the home-based entrepreneur to market herself as a professional scrapbook artist. The reality is that we all have these digital cameras that take beautiful pictures, but they're all stuck online or in a computer or a camera and nobody ever looks at them.

Also, most of us don't have the time or the talent to download the photos and put them together to make a tangible memory or a gift for a relative or friend. Someone creative who has done this for herself as a hobby could turn it into a business. We suggest they get started by doing things like donating their services to their kid's school as part of an auction, or teaching a summer class through a community college or local recreation center. Once they can show potential customers their work, those people will hire them to do the same thing with their own photos. It's a great gift business for holidays and birthdays.

Finally, you also recommend that creative types get into the business of providing children's art education.

Yes. The tutoring market alone is around $4 billion annually, so home-based businesses that create products or services aimed at educational companies should find a lot of customers. Schools long ago reduced art budgets, but parents are recognizing that creativity and innovation are important skills for their kids to have. And art, music, drama—these all foster those kinds of skills.

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Can You Really Get a Free Credit Report Without Getting Scammed?

As of September 1, 2005, everyone in the world is now entitled to get a free copy of their credit report from each of the three major credit bureaus each year.

Unfortunately, many people are finding that actually getting their free credit report seems close to impossible.

That's because bogus websites are tricking people into paying -- and even the major credit bureaus make it quite difficult.

In fact, by now you've probably seen the advertisements on the Web and in your inbox. Companies left and right are offering to provide you with your free credit report -- but for a fee.

OK. So how is it a free credit report if you have to pay for it? That's exactly what we were wondering.

Don't Pay For Something You're Entitled To

A bit of background: There are three major companies that track and report your credit history. These three companies are Equifax, Experian and TransUnion.

All US consumers are entitled to one free credit report each year from each of these three credit bureaus.

So while there are hundreds of companies who would like to charge you for receiving your credit report, the truth of the matter is, this is a service you're now entitled to by law each year at no charge.

So how do you muddle through the mass of free credit report offers without getting taken for a ride?

Surfing the Web

Many people simply type in "Free Credit Report" into their favorite search engine hoping to hit gold. Unfortunately, the majority of sites that come up on top are sites that don't really offer free credit reports, but rather are sites that are offering credit monitoring services.

While credit monitoring services definitely have their pluses and can be used to prevent identity theft, we believe they shouldn't be used as a bait and switch tactic for getting a free credit report.

Even worse, some of the bogus websites -- especially those you hear about via spam -- are simply phishing scams.

Action: NEVER respond to a spam offer to get a free credit report.

Another type of problem many people encounter when they try to get a free credit report is that it's almost impossible to find the free offer. Yes, it's there -- but it's so well hidden that many consumers simply give up in complete frustration.

Here's another more subtle problem we found: one free credit report site we visited offered a free credit report. In addition to asking for your personal information, they also asked for your credit card information.

It wasn't until we read the fine print that we realized we would be authorizing them to charge our credit card for their credit monitoring service after 30 days. Not exactly the type of company you want to be doing business with, is it?

Unfortunately, many "free" credit report websites do business like the free credit report sites mentioned above. The trick is finding the right website to use.

Getting It Right

So if there are so many sites out there trying to scam you out of your money for something you're entitled to for free, how do you go about getting a legitimate free credit report?

Knowing where to go for your free credit report is the key.

According to the FTC website, there is only one website that is authorized to give out free credit reports. Here's what the FTC website says:

"Important information from the Federal Trade Commission, the nation's consumer protection agency: annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer 'free' credit reports, but may charge you for another product if you accept a 'free' report."

The AnnualCreditReport.com website was easy to use and we were able to access all three credit reports without paying a penny.

You can also get your free credit report via phone by calling 877-322-8228. Just remember, you can only request one free credit report from each of the three credit reporting agencies each year.

Why do you need a copy of your credit report?

You might be wondering why you'd want a copy of your credit report. There are many reasons you should check your credit report, including making sure your information is correct (which is important if you want to apply for a loan or a new credit card). You very likely will find mistakes on your credit report.

Further, getting a copy of your credit report is important to help monitor against identity theft. You can read more about identity theft here.

Here are four tips for getting your free credit report:

Tip 1: Watch your spelling if you type in the web address (rather than click on our link) -- many of the bogus sites are just one letter away from the site you want.

Tip 2: To gain maximum benefit, you may want to space out your free credit reports from each of the 3 credit bureaus over the year. This will allow you to see changes that occur over time.

Tip 3: Print or download your credit report(s) immediately. You may not be able to gain access again for free later.

Tip 4: After you get your free credit report, quit your browser so no one else can access it.

Time to close. Order your free credit report now while you're thinking about it. We'll see you next week.

earn extra money fast

Everybody needs a quick infusion of cash from time to time. These ideas bring in money fast, and many can also be done at flexible times, so it's easier to arrange child care with a friend or family member for free.

• Have a garage sale. By using a few easy tricks, like posting fliers at grocery stores and Laundromats, making signs that can be seen from nearby busy streets and displaying your items in a department-store style, you can increase the amount your sale brings in. Find out how to earn more with Garage Sale 101 tips.
• Sell on eBay. Books, CDs, unused sports or exercise equipment, clothing, novelty items -- people buy all kinds of things. Even if you're selling several small items, the money can add up. Just make sure the buyer, not you, pays the cost of shipping.
• Put clothes on consignment. This is an especially good way to get rid of clothing like fancy dresses (think old prom gowns and cocktail dresses you'll never wear again), but anything in good condition can be put on consignment. You share the money from the sale with the consignment shop, but it's an easy way to squeeze some money out of clothes that would otherwise just take up closet space.
• Perform household services. You can earn some money informally by letting friends, family, church members and others in your community know that you're available to clean their houses or apartments, or to take in ironing. If you find you have a knack and stamina for cleaning quickly and thoroughly, you can turn this into a regular, reliable way to earn extra money every month.
• Have a bake sale. Do you make killera chocolate chip cookies? chocolate chip cookies? Are yummy breakfast burritos your specialty? If so, why not bring in your items once a week to your job and sell them to coworkers and other businesspeople in the vicinity? If you don't have a job, what about a friend's workplace, a community center or a nursing home? Put the word out beforehand and gauge the response as you go, so you don't end up with a lot of leftover food. By talking up your home-baked goodies and arriving at the same time every day or every week, you may find that people start to anticipate your arrival. You can start a cottage industry along the lines of Mary's Monday Cookie Break when you come around to hawk your wares.
• Sell homegrown fruits and vegetables. You don't have to have a farm to produce delicious, delicious, organic produce. By presenting your goods in an appealing way (save the plastic or cardboard produce containers from the grocery store and tie them with a distinctive ribbon or desktop-printed label), you give them niche appeal, and you can sell them much the same way as baked items, listed above.

Why Study University Degrees Online?

Studying for university degrees online is an ideal way to increase your prospects of promotion, or getting your dream job without having to leave your present employment to do so. Studying online means that you can complete the work in your own time, rather than having to give up your employment. For many of us, and particularly those who come to education later in life, this can prove to be the ideal solution.

For many people, finance is an obstacle to pursuing the career they really want. Often, by the time you actually know what it is you want to do, you will already have a family who relies on your income, as well as mortgage payments on your home. This means that it can seem almost impossible to study for the qualifications that you need to improve you life and that of your family.

However, there is a solution. Studying for university degrees online means that you do not need to give up your current employment, and therefore your income. Almeda University offers a wide choice of online university degrees, all of which can be studied through the Internet, at a time that suits you. These include Business Degrees, Bachelor of Art degrees as well as Bachelor of Science and degrees in Social Work.

Before you embark on an online university degree there are some issues that you need to consider. First and foremost, you will be investing a large amount of time and effort into gaining your degree, so take some time to honestly consider what you want to do with your future, and map out a career path. Look into your chosen career thoroughly to make sure that you know what qualifications you need. If you are already in the career of your choice, but want to progress, then speak to your human resources department and ask them about career progression within the company, and how your degree can help you.

Secondly, you need to consider the time involved in studying for an online degree. Studying online needs commitment and motivation. If you are looking into studying for online university degrees then it is likely that are you are already committed to improving your education and employment chances.

Thirdly, you need to understand exactly what is required of you in order for you to attain your university degree. Almeda University are more than happy to answer any questions that you have after reading their website. Read the degree descriptions carefully, as well the profile of the kind of person who is suited to a particular degree. Some degrees require that you have industry experience before you begin, and most will need a certain level of English skills, and some will also need specific math skills. If in doubt about your abilities to study for university degrees online, then ask for advice from the trained staff

The cost of studying for university degrees online is a fraction of the costs involved when studying using other methods. If you dream of a change of career, or gaining promotions and recognition for your skills, studying online provides a financially effective and attainable option for achieving your goals.

Best Buy gift cards are a pig in a poke

AS BEST BUY gives with one hand, it takes away with the other.

Once upon a time, Best Buy became the first Big Box store in the States to ditch its mail-in rebate program, instead giving "instant saving" to buyers. Previously, anything marked up for sale could have a complicated set of in-store rebates, company mail-in rebates, and manufacturer mail-in rebates.

Best Buy turned its mail-in rebate program into "instant savings", so there's one less set of receipts and envelopes to deal with when you try to milk out the last couple of bucks. You still have to deal with manufacturer mail-in rebates, but that's no big deal.

Best Buy also has a Frequent Buyer programme - it calls it "Reward Zone" and it is like many other such schemes. You buy something, you whip out your card to be scanned, you get points for the amount of money spent, and Best Buy mails you $20 discount coupons every time you spend so much cash. If you don't mind the fact that Best Buy doesn't have a wide selection of gear, typically buy brand-name products, and like the convenience of walking into the store to purchase and return kit, it's a decent place to shop. I had a TiVO die on me about nine months into warranty; Best Buy took it back, no questions, just pulled another one off the shelves, and thank you very much.

Best Buy is also going to try to give other advantages to "Reward Zone" members. Next Sunday, it's going to have a "Private Shopping Event" around the US. From 7:30 PM to 9:30 PM, there will be a "give away" to the first 100 customers, "Product demonstrations on great new technology" and a $50 dollar gift card drawing will be held every 15 minutes. Oh, and I mustn't forget that it's double points on all event purchases and triple points if I spend $2,000 or more!

Shame I'm not shopping for a plasma display HDTV, since I could rack up a lot of points that evening. I don't need the product demonstrations and I suspect the "give away" will be something like 256MB memory sticks or something equally worthless and gathering dust. It will also be interesting to see what kind of bargains are in the Sunday ad inserts. Will I get a good deal and double buy points?

Unfortunately, Best Buy has changed its policies on its return/display model gear. Once upon a time and up until a couple of weeks ago, you could find an open-box special simply marked down from the current list price. Very simple, you looked at the discounted price, how long the computer or monitor or printer had been sitting on the shelf, and decided if you wanted to buy it or not. Those days are gone, at least for now. Instead, you now pay list price for a display model and get handed a Best Buy gift card with a proportional dollar amount between five to 30 per cent. So if you bought a $300 printer, you might get a $20 gift card. An $1,100 list price computer yields a $300 gift card. It's an accounting gimmick, so it can show it sold off the unit at full market price in one column - boosting total dollars on the revenue sheet - and then can hand back dollars as a marketing expense. Gift cards also work because they make sure you have to come back to Best Buy to buy more stuff and they also get some of the money "back" if you don't spend the full amount on the gift card - all of it if you lose or forget about it

Online Banking is Easy on Budgets

Online banks offer high interest rates on savings accounts and time-saving online account management tools. Grow your savings while saving money with Internet banking.

Online Banking Advantages

• Most online banks offer higher interest rates or other great deals on savings accounts and other banking products because these banks have lower overhead. There is no big building to pay for and there are fewer employees.
• Account information and services are available 24 hours a day, every day. An exception to this would be that online banks need to occasionally go offline for a couple of hours to update and maintain systems.
• Most online banks have no fees and very low minimum balance requirements, which saves you money.
• Just like traditional banks, online banks provide FDIC insured accounts.
• Online bank websites are easy to navigate and to learn to use. The best online banks provide customer service by phone and email 24 hours a day.

Online Banking Security

A Javelin Strategy and Research study reveals how paying bills and receiving statements by mail is much more likely to lead to identity theft than online banking does.

Online banks use the highest security available. Your data is encrypted, so account details are unreadable without your password and firewalls prevent malicious attacks. Check the online bank's FAQ, Privacy Policy or Security link for security details. If you do not find these links at the top of the web page scroll down to the very bottom to find them.

Online Banking Features

Most online banks provide the features listed below, but be sure to verify the features you would use are available before you sign up.

• View and print transactions, statements and the front and back of canceled checks.
• Create spending reports, set up a budget and assign income and expense categories to transactions to track a budget.
• Set up alerts to be sent to your email, cell phone or other wireless device. These alerts let you know when you account is nearing a minimum balance you set, when transactions are posted to your account and when bills are due.
• Funds can be transferred between your online and local banks, so you can easily make cash or check deposits locally and then transfer to the online bank. You can also transfer funds from your online bank to your local account to have access to cash via an ATM or human teller.
• Pay bills online either as they are due or set up payments to go out in advance. Payments can be made electronically or a check can be mailed directly to the payee using the phrase, "signature on file" in lieu of your actual signature.
• Many online brokerages offer savings and checking accounts as well, making it easy for investors to move money from investment accounts to regular checking or savings accounts.
• Apply online at your convenience for mortgages and other loans.

Online Banking Drawbacks

Keeping a local no minimum balance savings or checking account defeats the potential pitfalls of online banking.

• Making deposits can be a hassle. If you elect not to keep a local bank account to deposit funds to, and then transfer funds electronically to the online bank you will need to mail in deposits.
• You do not need to keep a local bank to use an ATM card to get at money in your online bank account, but if there are no local branches of your online bank you could get hit with ATM fees. Some online banks reimburse for ATM fees.

Locking Up Online Banking Security

Add the following online practices to your identity theft prevention routine.

• Do not use public computers to do online banking. If you use a public computer and walk away without closing the browser, the next person to use the computer can possibly get into your account by using the back button on the browser.
• Before accessing an online bank or doing any work using public WiFi, be sure to use a VPN (Virtual Private Network) service so no one can intercept your information on the

  HotSpot VPN network. is a good VPN to try

• You need anti-virus, pop-up blocker, anti-spyware and firewall software whether you do online banking or not. Banking online without this protection is extremely foolish.
• Do not enter any account or personal information into an email form that looks like it is from your online bank even if the email is very convincing. It is best not to open any ,suspicious email period. Go out the to bank's web site to enter your information instead, and contact the online bank right away if you get suspicious email.

Choosing an Online Bank

Popular large online banks are Wells Fargo, Bank of America, ING Direct, E*Trade Financial and CitiBank. Other quality online banks may have names that are not as well known but may offer the best interest rates, so search the Internet to find options. Narrow down those options by comparing features and the length of time promotional rates will be in effect.

Online Banking is Easy on Budgets

Online banks offer high interest rates on savings accounts and time-saving online account management tools. Grow your savings while saving money with Internet banking.

Online Banking Advantages

• Most online banks offer higher interest rates or other great deals on savings accounts and other banking products because these banks have lower overhead. There is no big building to pay for and there are fewer employees.
• Account information and services are available 24 hours a day, every day. An exception to this would be that online banks need to occasionally go offline for a couple of hours to update and maintain systems.
• Most online banks have no fees and very low minimum balance requirements, which saves you money.
• Just like traditional banks, online banks provide FDIC insured accounts.
• Online bank websites are easy to navigate and to learn to use. The best online banks provide customer service by phone and email 24 hours a day.

Online Banking Security

A Javelin Strategy and Research study reveals how paying bills and receiving statements by mail is much more likely to lead to identity theft than online banking does.

Online banks use the highest security available. Your data is encrypted, so account details are unreadable without your password and firewalls prevent malicious attacks. Check the online bank's FAQ, Privacy Policy or Security link for security details. If you do not find these links at the top of the web page scroll down to the very bottom to find them.

Online Banking Features

Most online banks provide the features listed below, but be sure to verify the features you would use are available before you sign up.

• View and print transactions, statements and the front and back of canceled checks.
• Create spending reports, set up a budget and assign income and expense categories to transactions to track a budget.
• Set up alerts to be sent to your email, cell phone or other wireless device. These alerts let you know when you account is nearing a minimum balance you set, when transactions are posted to your account and when bills are due.
• Funds can be transferred between your online and local banks, so you can easily make cash or check deposits locally and then transfer to the online bank. You can also transfer funds from your online bank to your local account to have access to cash via an ATM or human teller.
• Pay bills online either as they are due or set up payments to go out in advance. Payments can be made electronically or a check can be mailed directly to the payee using the phrase, "signature on file" in lieu of your actual signature.
• Many online brokerages offer savings and checking accounts as well, making it easy for investors to move money from investment accounts to regular checking or savings accounts.
• Apply online at your convenience for mortgages and other loans.

Online Banking Drawbacks

Keeping a local no minimum balance savings or checking account defeats the potential pitfalls of online banking.

• Making deposits can be a hassle. If you elect not to keep a local bank account to deposit funds to, and then transfer funds electronically to the online bank you will need to mail in deposits.
• You do not need to keep a local bank to use an ATM card to get at money in your online bank account, but if there are no local branches of your online bank you could get hit with ATM fees. Some online banks reimburse for ATM fees.

Locking Up Online Banking Security

Add the following online practices to your identity theft prevention routine.

• Do not use public computers to do online banking. If you use a public computer and walk away without closing the browser, the next person to use the computer can possibly get into your account by using the back button on the browser.
• Before accessing an online bank or doing any work using public WiFi, be sure to use a VPN (Virtual Private Network) service so no one can intercept your information on the network. HotSpot VPN is a good VPN to try.
• You need anti-virus, pop-up blocker, anti-spyware and firewall software whether you do online banking or not. Banking online without this protection is extremely foolish.
• Do not enter any account or personal information into an email form that looks like it is from your online bank even if the email is very convincing. It is best not to open any suspicious email, period. Go out the to bank's web site to enter your information instead, and contact the online bank right away if you get suspicious email.

Choosing an Online Bank

Popular large online banks are Wells Fargo, Bank of America, ING Direct, E*Trade Financial and CitiBank. Other quality online banks may have names that are not as well known but may offer the best interest rates, so search the Internet to find options. Narrow down those options by comparing features and the length of time promotional rates will be in effect.

The copyright of the article Online Banking is Easy on Budgets in Building Personal Savings is owned by Shelley Elmblad. Permission to republish Online Banking is Easy on Budgets must be granted by the author in writing.

How Virtual Calling Card works

Our Virtual Calling Card service allows you to make international calls by providing you access to our network through many Toll Free and Non-Toll Free access numbers around the world. To place international phone calls:

• Dial the access number corresponding to the country you are calling from
• Enter your 10 Digit PIN number (Callback customers can enter last 7 digits of trigger/ access number & their account password when prompted)
• And dial your destination number

Features and Advantages

• Make international calls through local access numbers (toll free and non-toll free) in over 30 countries; it's a direct call at discounted rates!
  
• Benefit from low rates while enjoying high quality connections!
  
• Store up to 99 frequently called numbers in Speed Dial feature.
  
• No monthly fees, connection fees, or charges for incomplete or busy calls!
  
• Receive monthly statements by e-mail with call details at no additional charge!
  
• Excellent customer service!
  
• No fees, contracts, hidden charges, and no commitment. Pay only for your calls and nothing more!
  
• The highest quality international calling card at the best price compared to any phone calling card.
  
• Enjoy all the features of a traditional prepaid calling card and still have the ability to pay later for usage. You never have to go out and buy another prepaid phone card.
  
• Better than a long distance calling card because you can call anywhere in the world with the virtual phone card.
  
  

The Truth About Debt Consolidation

Myth: Debt consolidation saves interest, and you have one smaller payment.
Truth: Debt consolidation is dangerous because you treat only the symptom. Debt consolidation is nothing more than a "con" because you think you've done something about the debt problem. The debt is still there, as are the habits that caused it - you just moved it! You can't borrow your way out of debt. You can't get out of a hole by digging out the bottom. True debt help is not quick or easy.

Larry Burkett, noted financial author, says debt is not the problem; it is the symptom. I feel debt is the symptom of overspending and undersaving. Our certified counselors will not recommend debt consolidation for a client. Why? Because debt consolidation doesn't work.

Debt Consolidation Statistics
A friend of mine works for a debt consolidation firm whose internal statistics estimate that 78% of the time, after someone consolidates his credit card debt, the debt grows back. Why? He still doesn't have a game plan to either pay cash or not buy at all. He also hasn't saved for "unexpected events" which will also become debt.

Debt consolidation seems appealing because there is a lower interest rate on some of the debt and a lower payment. However, in almost every case we review, we find that the lower payment exists not because the rate is actually lower but because the term is extended. If you stay in debt longer, you get a lower payment, BUT if you stay in debt longer, you pay the lender more, which is why they are in the debt consolidation business.

Debt Consolidation Example
For example, let's say you have $30,000 in unsecured debt, including a 2-year loan for $10,000 at 12%, and a 4-year loan for $20,000 at 10%. Your monthly payment on the $10,000 loan is $517 and $583 on the $20,000 loan, for a total payment of $1,100 per month. The debt consolidation company tells you they have been able to lower your payment to $640 per month and your interest rate to 9% by negotiating with your creditors and rolling the loans together into one. Sounds great, doesn't it? Who wouldn't want to pay $460 less per month in payments?

But they don't tell you that it will now take you 6 years to pay off the loan. This may not sound that bad to you at first unless you realize how much more you will actually pay in additional payments. You will now pay $46,080 to pay off the new loan vs. $40,392 for the original loans, even with the lower interest rate of 9%. This means you paid $5,688 more for the "lower payment". Not such a good deal after all. This example shows you why they are in the business - because they make money off of you.

The Real Way to Get Out of Debt
The answer is not the interest rate; the answer is a total money makover. The way you get out of debt is by changing your habits. You need to commit to getting on a written game plan and sticking to it. Get an extra job and start paying off the debt. Live on less than you make. It is not rocket science, but it is emotional, which is why most people need help getting through it from someone like Dave Ramsey. Don't try debt consolidation!

Mesothelioma

Malignant mesothelioma is a rare cancer that occurs in the thin layer of tissue that covers the majority of your internal organs (mesothelium). Doctors divide mesothelioma into different categories based on what part of the mesothelium is affected by cancer. Mesothelioma that occurs in the tissue that surrounds the lung (pleura) is called pleural mesothelioma and is the most common form. Mesothelioma that occurs in the tissue in your abdomen (peritoneum) is called peritoneal mesothelioma and accounts for 10 percent to 20 percent of all mesotheliomas. In rare cases, mesothelioma can also occur in the lining around the heart (pericardium) and in the lining around the testicles (tunica vaginalis).

Between 2,000 and 3,000 people are diagnosed with mesothelioma in the United States each year. Men are more likely to develop mesothelioma than are women. It's more common in older adults — most people with mesothelioma are 65 and older — though mesothelioma can be diagnosed at any age.

Mesothelioma is closely linked to exposure to asbestos — a natural fiber that was once used in manufacturing a wide variety of industrial and household products. Mesothelioma rates have increased during the past 20 years in response to the widespread use of asbestos in the past. Many industrialized countries now limit asbestos use and enforce laws to protect workers who may be exposed. Researchers predict these efforts will lead to fewer cases of mesothelioma in the future.

Online Commodities Trading Benefits and Dangers

The lure of trading commodities and futures online has been a godsend to many and a nightmare to others. You can expect much quicker execution of your trades through an online broker as well as lower commissions and a sense of independence. However, there are some hidden dangers that many novice traders overlook before they open an account to trade commodities online.

Benefits of Online Trading

Trading commodities online is almost a one-stop shop. You virtually have everything you need when you log in to your trading account. Most online brokers will have real time quotes, charts, futures news, technical analysis programs and research available for their clients. This has opened the door for online traders to make more of their own trading decisions and implement trading strategies that once were not available to the average retail trader.

If you are going to day trade commodities and futures, you definitely want to trade online, unless you have someone else managing your account. Executions are almost instantaneous, which is a far cry from having to pick up the phone and call your broker to place orders and wait for your fill prices.

Low Commissions. The commissions are also much lower. Today, you can trade many of the futures contracts for under $10 per round-turn with most online brokers. Low commissions make several strategies more feasible to trade; including spreads, day trading and short-term trading. For example, if you wanted to do a more sophisticated trading strategy where you have to combine futures and options, the commissions might cost you $150 per trade with a full-service broker. However, with an online futures broker, it might cost you less than $30. That gives you a much wider range where you can be profitable on trades.

Dangers of Online Trading

No Mentor. There are two main issues facing online futures traders. The first is that you don’t have someone watching over your shoulder and to help you with your trades. Many new traders will make several foolish mistakes that will likely cost them money. Having an experienced broker with whom you can discuss trading strategies will likely keep you out of trouble and more than make up for the commission savings of online trading.

As with any new venture, having a mentor can prove invaluable. Just being able to ask a trading question and receive a good answer in a few minutes can save you many hours or days of researching on your own. Many traders take for granted how much they actually learn from their brokers and how much time and effort they have saved.

Over Trading. The second issue relates to the ever-increasing problem of over trading. This has been a problem with commodity traders for decades, but the advent of online futures trading has really accelerated the problem.

The commodities markets have the same lure to traders that Las Vegas has to gamblers. Typically, a new trader will come to the commodities markets with a trading strategy of holding trades for a period of weeks or months. As they watch the markets move up and down every day, they believe they can catch many of these smaller moves by getting in and out every couple of days. Commissions are cheap, so it seems like an easy proposition. Then, of course, the trader starts to get bored holding positions for a couple of days and starts day trading.

At this point, the trader is probably in way over his head. His account has probably suffered huge losses and a sizeable part of that is from commissions. His well-researched strategy for long-term trading does not apply to day trading, so he is trading without a good plan. In the end, he realizes he would have done very well if he just stuck to his original plan and his life would likely have been much less stressful.

The above scenario is a daily occurrence among those who trade commodities online. It is a lot for a new trader to handle. You have flashing quotes, scrolling charts with technical indicators and all it takes is a click of a button to place a trade. You don’t have to talk with a human to place a trade, so nobody will know what you’re up to.

Online trading can be a dangerous thing if you are not disciplined or have a gambling mentality. For those who are well disciplined and have a sound trading plan, trading commodities through an online broker is the best way to go.

Shift to them in 3 Simple Steps in www.exclusivehosting.net

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	CONTINUE WORKING ON YOUR WEBSITE After you have placed the order, you can immediately start working on your site and upload it when ready. You will be given a temporary URL with which you can start working. Thus, you can be sure that when you switch the hosts your domain name will not have any downtime and that all the scripts and databases will be fully tested by the time the DNS update is finished. If you have any problems transferring your site, please let them know and they will assist you.

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How to Make Money Selling Books Online

Things You’ll Need:

• Computer
• Internet Connection

Step1

SEARCH AROUND HOME- Do you currently have any books that are unneeded or you would like to sell? Gather these books to start your trial run.

Step2

SET UP YOUR ACCOUNT- You will need to set up an account with an online book service such as half.com or amazon.com. I prefer half.com myself.

Step3

CHECK THE VALUE OF YOUR INVENTORY- After you have gathered your books from home together enter the isbn number for each of them on half.com. See what other's are selling that title for. For instance, you have the book 'The 7 Steps of a Highly Effective Person'; you enter the isbn number in the search area, all sellers with this book will appear. If too many sellers are in possession of this book then it's value will be very low. I'm talking a few cents. Then this book will not be a book worth selling. If however the lowest price you can find for the book is $6.99 for example, then the book is worth selling. Personally I never sell a book unless it has a value of at least $5.00-$10.00. This makes it worth your effort including shipping.

Step4

PLACE YOUR TITLES ONLINE- Next you will want to add your books of value to half.com's online inventory. Here is where you will price and rate the condition of your book. Be honest when rating the condition of your book. Half.com is apart of EBay and runs the same sort of rating system. If you receive negative feedback it will make it very hard to sell books.

Step5

PRICING- You will want to underbid your competitors. Try to price below the lowest bid on half.com. This will bring your book to the front page when anyone inquires on this particular title.

Step6

MORE PRICING- Be competitive. Use www.addall.com. This is a book listing service that lists all titles for sale online. It compares pricing from booksellers on amazon.com, half.com and others. Check addall.com to see who the lowest seller with your title is. Try to undersell this person. Make your title the most competitive in pricing.

Step7

REPLENISH YOUR INVENTORY- After you sell the books in your home, you will need others to continue with your home based business. Go to flea markets, second hand stores, and library sales and purchase books to resale on half.com. If you are really serious you can even purchase a hand-held isbn scanner for your cell phone, which will tell you in a quick moment the value of any book online, that you are considering purchasing.

How to Increase Your E-Bay Response

Only a successful sale generates profits. You can encourage visitors to your auction, you can
alsvo get them to read it, but the most important thing is to get them to bid on it. Below are some tips that can help you increase response on your e-bay listing and make more money on each sale:

1) A lot depends upon how you design your auction. You have to attempt to put information on it in a manner that it gives the much required incentive to the casual or interested visitors to actually bid for your item. For example some people do not give enough importance to the accompanying picture they have posted on eBay. A professionally shot picture with proper lighting and un-intrusive background is as vital as the description of your item.

2) Most of the bidders are apprehensive about disputes and the hassles that they might get into after they pay up. To allay such fears the best policy is to sign up at SquareTrade and get permission to display their logo on your auctions which will assure the bidders that they will be not be shortchanged in any eventuality. It gives a professional look to your auction and you will always see it on PowerSellers auctions. To further your professional image and build confidence, put up all business practices in a visible place giving details, including shipping, time schedules, and refunds.

3) Nothing boosts confidence more than good feedback. Include all positive feed back comments prominently and in the event that you have 100% positive feedback, make sure that it is mentioned on all auctions. If you have a reserve price it is likely to discourage bidders. Displaying a NR (no reserve) along with your item’s name should take care of that.

4) Benefits not features: Make sure your description emphasizes on the benefits that your item can give to the customer, not just its features. This is a classic sales technique. If you have trouble with this, remember: 'cheap' is a feature, 'save money' is a benefit.

5) You can never be sure of which payment method a particular bidder might be comfortable with. Try to include unusual payment methods such as checks, which most of the sellers try to avoid. Also keep just two or three auctions going on for an item you have more than one of in stock rather than choosing the Dutch-auction route.

6) Remember that much depends upon the search results when it comes to categories that are crowded. To ensure that your product comes up in the first ten results and you get the maximum hits you need to upgrade regularly. The best upgrades may be expensive but they may be worth the money you spend for them.

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