>Create a $500,000 tax-FREE account”Pay NO taxes on your wealth ”>Avoid future tax increases””Cut investment fees; double earningsYour financial sales person may be taking 63% of your possible investment returns. Your employer's retirement plan may be taking over HALF your potential earnings. These are the results of recent analysis of our investing opportunities. Unless you learn to do your own comparison shopping on the Internet, your agent, broker, advisor, banker, etc are not likely to explain how to PAY LESS and GET MORE. Unless you are already wealthy, you have noticed that your income has remained flat for the last few decades—your purchasing power has fallen. Despite the political rhetoric, your prospects have been reduced. Many good jobs have been moved to other countries. Even now, some US companies—Walgreen, Pfizer, Medtronic—are denouncing citizenship; others evade taxes with legal gimmicks.http://www.nytimes.com/ 2014/07/06/business/when-taxes-and-profits-are-oceans-apart.html? They avoid paying their fair share of the tax bill for two wars and two tax cuts. We are paying more for less. Luckily, it is getting easier to make our dollar do more. We can shop online and avoid the commissions and fees that rob us of product value. We can save on insurance, banking, and especially investments. For instance, over time, we can avoid losing up to 63% of our retirement nest egg by using funds that cost 0.05% instead of 2.00% or more. Instead of having $250,000 at retirement, we could have $500,000 just by using low-cost investments. We can also save on taxes like the rich. It takes 1 hour to set up a low-cost tax-FREE account.
*Few stock-picking gurus do well for long*Last year's genius is this year's loser*Gurus' forecasts are correct less than 50% of the time*Gurus attract money which then dilutes high returns*Computer trading beats the best gurus consistently“My wealth has come from a combination of living in America, some lucky genes, and compound interest.” Warren BuffettI have been in the financial services business for over 20 years. I have seen a lot of changes. I am ready to retire. I hope this book will be useful to the next generation of investors. Most of the changes in the financial advice business have involved the trend to the commoditization of most financial products. The trend has led to a bifurcation of the industry. On the one hand, Registered Investment Advisors, (RIA) provide advice for compensation as fiduciaries. This means they have a “fundamental obligation to provide suitable investment advice and always act in the clients' best interests.” High-end RIAs provide personal service to wealthy clients with fees tailored to their millions of dollars invested. Their fee schedules are 0.01-0.05% not the retail rates of 1.5-3%. Clients get richer by compounding high returns. On the other hand, most retail brokers and financial advisors work for a major firm, building their sales the traditional way. They share commissions and fees as they offer their firms' products to customers with less than a $1 million. Most products are structured to provide the firm with revenue and are not the best products available for the average investor (earning 2.56%*). The trend leader in the industry is the discounter. For $5 or less, you can now buy and sell shares of companies, mutual funds, and market index funds (ETF) online without assistance. You can trade more sophisticated securities too. Direct to consumer insurers and agencies have joined discounters on TV.
Spend $80,000 or $20,000 a yearIn my experience clients most satisfied with their retirement income were those that “did the numbers” themselves. They created the income level they enjoyed in retirement by working the numbers backward to determine how much to save and invest. After estimating their Social Security and pension benefits, they decided they wanted $40,000 a year from investments. They knew that inflation will reduce their retirement dollar to fifty cents over time. That meant that they needed a nest egg of over $1 million in order to take $80,000 in future dollars ($40,000 current). Since retirement plans (pensions and IRAs) allow money to compound WITHOUT taxes now, they used them at work and on their own. Younger clients have used Roth IRAs since it allows them to completely avoid income taxes on that money in time. I showed these clients how to use a calculator to find the http://www.moneychimp.com/calculator/compound_interest_calculator.htm amount they needed to invest each year to reach their goal. You can reach $1 million in about 33 years by investing in a low-cost stock market index mutual fund inside a tax-FREE account. If you use a “managed” advisor/broker account, you lose. The average managed-investment account returns were 3.69% over the last 30 years according to Dalbar QAIB study. During the same period your returns could have been over 11% if you had chosen a low-cost stock-market-index mutual fund—your $250 monthly deposits would be worth only $200,00 instead of $1,000,000.
Professionals with “badges” can steal your money legally. Commissions, fees, charges can reduce your wealth by 40%. Buy financial services direct and keep more.I have been in the financial services business for over 20 years and I am getting out now. The changes I have seen do not bode well for Wall Street's way of doing retail business. Most of the changes in the financial advice business have involved the trend to the commoditization of most financial products. The trend will continue to reduce our commissions, fees, and charges so I am leaving. The old way is dead. Smart investors just don't need our fancy “badges”—the titles, trappings and costs that go with the traditional Wall Street model. The new model has a fee schedule of 0.05-0.50% not the old rates of 1.5-3%. Most retail brokerage products are structured to provide the firm with revenue and product features that compete well with other retail firms. It is really the fault of Mr Bogle's Vanguard Group. John Bogle started his index fund of 500 stocks in 1976 with a low-cost ownership model. Cost matters is his motto. He says: Stop trying to find the needle in a haystack. Invest in the haystack. http://www.vanguard.com/bogle_site/bogle_speechesequity.html Now the industry has stock discounters. For $5 or less, you can now buy and sell shares of companies, mutual funds, and market index funds (ETF) online without assistance. You can trade more sophisticated securities too. Direct to consumer insurers and agencies have joined discounters on TV. You can create your own portfolio and manage it for less.
To re-balance, or not to re-balance--that is the question: Whether 'tis nobler in the mind to suffer The slings and arrows of outrageous [fees] Or to take arms against a sea of [charges] And by opposing ... end them. Inspired by William Shake-speare New research by Campbell Harvey, Duke, found that "investors need to understand that rote re-balancing is an active investment decision that increases risk. In an up market, you are selling soaring stocks; "all of a sudden your portfolio has done worse than if you had just let it run." Re-balancing kills compounding. Almost every broker/advisor tells you to sell when your stocks are soaring and buy something else in order to maintain your 60/30/10 or 80/20 asset allocation. But Warren Buffett says: We continue to make more money when snoring than when active. Berkshirehathaway.com Could it be that broker/advisors want you to sell every quarter to fit the brokerage firm's need to justify their advisory fee schedule? Most firms take their fees as part of the quarterly review and re-balancing myth. But does it help you to sell your soaring stocks when they are increasing in value? Perhaps selling at that time only helps the firm. Research tends to show that if you change asset allocation by using your annual contributions to buy the more depressed assets, you will earn more in the long term. You let compounding work. John Bogle, inventor of retail index funds, says that when we buy and sell securities, especially in the average mutual fund family, our costs can reduce our final nest egg by 63%. Conclusion: Don't re-balance and don't use high-cost funds.
Create a $500,000 tax-FREE account Pay NO taxes on your wealth Avoid future tax increases Boost your savings by 30% Your generation faces the worst financial prospects since the Great Depression-low wages and higher taxes. Your parents' Uncle Sam has created the a financial disaster for you. Some have moved their corporations and the good-paying jobs to other countries. Many use tricks to avoid taxes. Some have even renounced their US citizenship to avoid paying their fair share of the tax bill for two wars and two tax cuts. You're screwed. Luckily, there is still a way out for you. You can use a special IRS tax haven to protect all your investment earnings. You can build a $1/2 million fund by investing $250 a month over time. You can use the tax laws for your benefit like the people in the top 1% of income do! How does Warren Buffett pay only 17% total tax? http: //www.youtube.com/watch?v=Cu5B-2LoC4s. How does Mitt Romney and John Kerry pay less than 15%? Your tax shelter is not overseas using high-cost legal power. You don't have to hide assets in multilayer corporate shells like Apple and Google. You can go tax-FREE with your investment earnings. Pay 0% tax! How do you build a $500,000 account with just $9 a day? You use the Buffett strategy: Compound high investment earnings. Compounding is money earning money on its earnings over time. Simple but powerful.
Meek means patient, humble, unassuming, modest.Are you an patient investor? We have had a 3-year bull market: 18.45% a year. Are you letting compound interest make you rich?“My wealth has come from a combination of living in America, some lucky genes, and compound interest.”Warren Buffett credits compound interest for his success not market timing. He turned $6,000 from his paper route into $60 billion in his 60 years of investing. He buys and holds the stock of companies that we use everyday: Coke, GEICO, Fruit of the Loom, Benjamin Moore, Heinz, Burlington Northern. We continue to make more money when snoring than when active. Berkshirehathaway.com He doesn't “trade” stocks. His favorite holding period is “forever.” This allows the miracle of compounding to work. His lesson for us: Wealth comes from compounding, NOT from trading by your broker or “professional” money manager. This chart illustrates the Miracle of Compounding Buffett says the IMPATIENT give their money to the patient when they “play” the market. Since he is the most successful investor of our age we need to listen to him.You can create and manage your own portfolio in 1 hour a year.
=The best guarantee for the future is having money=Financial advisors can't predict the future=Make a plan for the future or the government willI have been in the financial services business for over 25 years. I have seen many investors succeed in their retirement years. I have seen a lot of people crash and burn in their “golden” years. Believe me, you want to be among the investors who succeed. The best way to protect your family's future is to have assets. Pure and simple. When you have assets, your money compounds at higher rates because your account fees are 0.01-0.05% not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide the firm with high revenues. The average investor earns 2.56%, not 10-12% market rates. (QAIB) When you have money, you can use all the legal means to avoid taxes. For instance, Warren Buffett, with $54 billions, pays only 17% total tax: http://www.youtube.com/watch?v=Cu5B-2LoC4s; Mitt Romney only 14%; John Kerry only 13% and Apple just 9.8%. Buffett admits that his staff pays 32.9%—DOUBLE! Wealthy people are going to compound their money faster because they pay less in fees, commissions, charges and taxes. Their accounts will compound faster because they keep more of their money. They also take more income out of the economy. The top 1 percent's share of national income is over 23 percent. The average inflation-adjusted hourly wage declined by more than 7 percent from 1976 to 2007. “It is what you keep that counts.”
“My wealth has come from a combination of living in America, some lucky genes, and compound interest.” Warren BuffettWarren Buffett has turned his $6,000 paper route earnings into $60 billions during his lifetime. He credits compounding NOT stock trading for his success. He has bought and holds some great companies. He does not “play” Wall Street's games. He holds his stocks “forever.” Warren Buffett has learned that Wall Street only appears to be the place to make money. He works in Omaha. He says: “The market is a way to transfer money from the impatient to the patient.” Wall Street changes it's outfit every season but nothing has really changed. Wall Street exists to make the owners rich. I have been in the financial services business for over 20 years. We make it appear that traders and investors can make a lot of money by using special charts or doing in-depth analysis. It appears that if you follow the advice of people who appear smart, you can become wealthy very quickly. It appears that you can make a killing by using most of your money to buy great companies at low prices and then when prices go up, sell before prices go down. But that is only the way it looks to outsiders. Wall Street is really about separating most people from their money. Wall Street is really a huge casino. The casino owners provide intricate games that create illusions of wealth-building for the “players.” The odds of the average trader and investor becoming wealthy from their “play” are very long. The owners structure the odds so that they don't lose. The winners have information we don't have. Wall Street Mythology: Beat the market by doing your research or learning to be a trader or acting on cable TV tips. You need an advisor to win with securities. Buy low and sell high at the right times. Company success stories make good stocks to own.
Very few advisors can beat the market returns over time“In every period, low-cost funds beat high-cost funds”Last year's genius is usually this year's idiotAdvisors can't predict future returns over timeAdvisors want to attract short-term money for current profitsI have been in the financial services business for over 20 years. Commoditization has come to the financial advice business. Unless you have millions of dollars to let an experienced Registered Investment Advisors (RIA) build on, you are going to overpay for advice that can't beat the markets over time. The key question is what is your timeline. Are you investing to get rich quickly or are you investing to retire with $1 million in about 35 years? No legitimate RIA can promise the first goal yet many “professional” advisors imply that their work will make you wealthy. They don't mention a timeline. The fact is that over time, very few advisors can beat the stock market returns that average 10-12% a year. As you know, there is no way to know which advisors will succeed in the future. So, how can we maximize our investment returns over time? Some of us have decided to go the “do-it-yourself” route. We figure that since an advisor can't beat 'em, we'll join 'em. We join with others as owners of shares of a market index fund. This mutual fund owns the same stocks as a market index that represents a good sample of all stock companies. Others have already been using an advisor and believe that it is better to let this person worry about the ups and downs of the markets. They are willing to pay 1-3% for this “hand-holding” process. They are willing to pay for the costs of trading and the taxes that result from buying and selling. What may not be known about using an advisor is how to evaluate their products—investment strategies and securities. I show you how to evaluate and maximize your returns.
Authoritative in its reference to all Rudkin's work for theatre, cinema, radio and television, this profound critical study aims to prompt a reappraisal of his work in current dramatic, theoretical, and sexual contexts.
Dr. Rabey's profound critical study of David Rudkin's drama constitutes an in-depth evaluation of this unique dramatist, re-assessed in the light of his bi-sexuality and Anglo-Irish origins. This key study includes insights from noted performers of Rudkin's work, including Ian Hogg, Peter McEnery, Ian McDiarmid, Gerard Murphy, and Charlotte Cornwell. It is a fully authorized study with exclusive reference to archival material which includes some frank and urgent interview contributions from the dramatist himself, who is usually deemed reclusive. It is enhanced by Dr. Rabey's own experience of Wales, Ireland, and the English Black Country for his exposition of Rudkin's mythic sense of Celtic and Mercian history.
This two-in-one training kit delivers in-depth preparation plus practice for the required exam for the new MCTS: Microsoft Exchange Server 2010, configuring certification. Ace exam prep--and build real-world job skills--with lessons, labs, and practice tests.
The Java EE 6 Tutorial: Advanced Topics, Fourth Edition, is a task-oriented, example-driven guide to developing enterprise applications for the Java Platform, Enterprise Edition 6 (Java EE 6). Written by members of the Java EE 6 documentation team at Oracle, this book provides new and intermediate Java programmers with a deep understanding of the platform. This guide–which builds on the concepts introduced in The Java EE 6 Tutorial: Basic Concepts, Fourth Edition–contains advanced material, including detailed introductions to more complex platform features and instructions for using the latest version of the NetBeans IDE and the GlassFish Server, Open Source Edition. This book introduces the Java Message Service (JMS) API and Java EE Interceptors. It also describes advanced features of JavaServer Faces, Servlets, JAX-RS, Enterprise JavaBeans components, the Java Persistence API, Contexts and Dependency Injection for the Java EE Platform, web and enterprise application security, and Bean Validation. The book culminates with three new case studies that illustrate the use of multiple Java EE 6 APIs.
Job titles like “Technical Architect” and “Chief Architect” nowadays abound in software industry, yet many people suspect that “architecture” is one of the most overused and least understood terms in professional software development. Gorton’s book tries to resolve this dilemma. It concisely describes the essential elements of knowledge and key skills required to be a software architect. The explanations encompass the essentials of architecture thinking, practices, and supporting technologies. They range from a general understanding of structure and quality attributes through technical issues like middleware components and service-oriented architectures to recent technologies like model-driven architecture, software product lines, aspect-oriented design, and the Semantic Web, which will presumably influence future software systems. This second edition contains new material covering enterprise architecture, agile development, enterprise service bus technologies, RESTful Web services, and a case study on how to use the MeDICi integration framework. All approaches are illustrated by an ongoing real-world example. So if you work as an architect or senior designer (or want to someday), or if you are a student in software engineering, here is a valuable and yet approachable knowledge source for you.
This original and exciting new text examines the crucial role of innovation and entrepreneurship in achieving growth and ongoing success in the small business sector.
Brooks offers readers a succinct, lively and robust introduction to the subject of organisational behaviour. While aiming to encourage and promote the critical examination of the theory of organisational behaviour, this book also seeks to enable students to interpret and deal with real organisational problems. This new edition has major changes to the text to embrace international contexts and the modern realities of OB. It has proved a popular student choice because it combines relative brevity with thorough coverage and plentiful real-world examples. Popular features for todayÍs organisational behaviour course include: ‡‡ More prominent organisational theory coverage _ this key topic has been moved forward to provide students with an overview of the different ways OB can be looked at early on in the book. ‡ More coverage of modern communications technologies, cross cultural management, generational change and the gig economy. ‡ New and updated case studies and ïManagerial ImplicationsÍ boxes help to broaden studentsÍ knowledge and understanding of OB in real organisations. ‡ ïIllustration in FilmÍ boxes illustrate key ideas through famous films such as 12 Angry Men and The Devil Wears Prada.
This book constitutes the refereed proceedings of the IFIP-TC6 Third International Working Conference on Active Networks, IWAN 2001, held in Phildelphia, PA, USA in October 2001. The 10 revised full papers presented were carefully reviewed and selected from 22 submissions. Papers presented covered topics like active multicast, active QoS, active security, active GRIDs, management, architectures, language and API issues.
Everyone’s doing it — Web marketing, that is. Building an online presence is vital to your business, and if you’re looking for Web marketing real-world experiences, look no farther than Web Marketing All-in-One For Dummies. These eight minibooks break down Web marketing into understandable chunks, with lots of examples from an author team of experts. The minibooks cover: Establishing a Web Presence Search Engine Optimization Web Analytics E-Mail Marketing Blogging and Podcasting Social Media Marketing Online Advertising & Pay-Per-Click Mobile Web Marketing Web Marketing All-in-One For Dummies shows you how to please both customers and search engines; track your performance; market with e-mail, blogs, and social media; and more. It’s a one-stop guide to Maximizing Internet potential for your business and ranking high in searches Tracking how your ads, pages, and products perform Managing pay-per-click ads, keywords, and budget, and developing marketing e-mails that customers actually want to read Creating a blog or podcast that helps you connect with clients Using social media outlets including StumbleUpon, Facebook, and Twitter Leveraging mobile technology Generating traffic to your site and writing ads that get clicks Not only that, but Web Marketing All-in-One For Dummies includes a Google AdWords redeemable coupon worth $25 to get you started! Begin developing your Web site strategy and start marketing your business online today.
In many systems, scalability becomes the primary driver as the user base grows. Attractive features and high utility breed success, which brings more requests to handle and more data to manage. But organizations reach a tipping point when design decisions that made sense under light loads suddenly become technical debt. This practical book covers design approaches and technologies that make it possible to scale an application quickly and cost-effectively. Author Ian Gorton takes software architects and developers through the foundational principles of distributed systems. You'll explore the essential ingredients of scalable solutions, including replication, state management, load balancing, and caching. Specific chapters focus on the implications of scalability for databases, microservices, and event-based streaming systems. You will focus on: Foundations of scalable systems: Learn basic design principles of scalability, its costs, and architectural tradeoffs Designing scalable services: Dive into service design, caching, asynchronous messaging, serverless processing, and microservices Designing scalable data systems: Learn data system fundamentals, NoSQL databases, and eventual consistency versus strong consistency Designing scalable streaming systems: Explore stream processing systems and scalable event-driven processing
This book takes a practical, step by step approach to working with email servers. It starts by establishing the basics and setting up a mail server. Then you move to advanced sections like webmail access, security, backup, and more. You will find many examples and clear explanations that will facilitate learning.This book is aimed at technically confident users and new and part time system administrators in small businesses, who want to set up a Linux based email server without spending a lot of time becoming expert in the individual applications. Basic knowledge of Linux is expected.
A comprehensive collection of problems, solutions, and practical examples for anyone programming in Java, "The Java Cookbook" presents hundreds of tried-and-true Java "recipes" covering all of the major APIs as well as some APIs that aren't as well documented in other Java books. The book provides quick solutions to particular problems that can be incorporated into other programs, but that aren't usually programs in and of themselves.
This book covers the processes of management and leadership in healthcare practices. Content focuses on increasing organisational effectiveness in service and practice. Theories and concepts from the fields of business organisational psychology and educational administration are applied to health care. Within the book are included simulation activities to provide practice experiences that illustrate the content of the chapters, as well as serving to expand the reader's range of experience within a safe, low risk practice environment.
Going beyond classic networking principles and architectures for better wireless performance Written by authors with vast experience in academia and industry, Wireless Mesh Networks provides its readers with a thorough overview and in-depth understanding of the state-of-the-art in wireless mesh networking. It offers guidance on how to develop new ideas to advance this technology, and how to support emerging applications and services. The contents of the book follow the TCP/IP protocol stack, starting from the physical layer. Functionalities and existing protocols and algorithms for each protocol layer are covered in depth. The book is written in an accessible textbook style, and contains supporting materials such as problems and exercises to assist learning. Key Features: Presents an in-depth explanation of recent advances and open research issues in wireless mesh networking, and offers concrete and comprehensive material to guide deployment and product development Describes system architectures and applications of wireless mesh networks (WMNs), and discusses the critical factors influencing protocol design Explores theoretical network capacity and the state-of-the-art protocols related to WMNs Surveys standards that have been specified and standard drafts that are being specified for WMNs, in particular the latest standardization results in IEEE 802.11s, 802.15.5, 802.16 mesh mode, and 802.16 relay mode Includes an accompanying website with PPT-slides, further reading, tutorial material, exercises, and solutions Advanced students on networking, computer science, and electrical engineering courses will find Wireless Mesh Networks an essential read. It will also be of interest to wireless networking academics, researchers, and engineers at universities and in industry.
This introduction to Event Sponsorship provides students with an essential understanding of the important role of sponsorship in an event, how this can be gained and successfully managed to the benefit of both the sponsor and sponsee. The text starts with an investigation of the origins of sponsorship and then considers all important elements of Events sponsorship management. It considers what sponsorship is, its history and evolution, what its marketing uses are, how it can used efficiently; the benefits it can bring to an event; and how its results can be measured. It also considers other funding sources for events including government grants, crowd source funding and merchandising. To reflect changes in the way firms communicate with their customers, there is a strong focus on the use of social media, e – marketing and technology in sponsorship. The text uniquely considers topics of sponsorship from perspective of both the sponsor and the sponsee (the event) to provide a holistic view of the sponsorship process. Case Studies are integrated throughout to show how both small and large scale events have successfully gained and used sponsorship as well as potential pitfalls to avoid. Learning outcomes, discussion questions and further reading suggestions are included to aid navigation throughout the book, spur critical thinking and further students’ knowledge. This is essential reading for all students studying Events Management.
If you want to build applications that take full advantage of Windows Vista's new user interface capabilities, you need to learn Microsoft's Windows Presentation Foundation (WPF). This new edition, fully updated for the official release of .NET 3.0, is designed to get you up to speed on this technology quickly. By page 2, you'll be writing a simple WPF application. By the end of Chapter 1, you'll have taken a complete tour of WPF and its major elements. WPF is the new presentation framework for Windows Vista that also works with Windows XP. It's a cornucopia of new technologies, which includes a new graphics engine that supports 3-D graphics, animation, and more; an XML-based markup language, called XAML, for declaring the structure of your Windows UI; and a radical new model for controls. This second edition includes new chapters on printing, XPS, 3-D, navigation, text and documents, along with a new appendix that covers Microsoft's new WPF/E platform for delivering richer UI through standard web browsers -- much like Adobe Flash. Content from the first edition has been significantly expanded and modified. Programming WPF includes: Scores of C# and XAML examples that show you what it takes to get a WPF application up and running, from a simple "Hello, Avalon" program to a tic-tac-toe game Insightful discussions of the powerful new programming styles that WPF brings to Windows development, especially its new model for controls A color insert to better illustrate WPF support for 3-D, color, and other graphics effects A tutorial on XAML, the new HTML-like markup language for declaring Windows UI An explanation and comparison of the features that support interoperability with Windows Forms and other Windows legacy applications WPF represents the best of the control-based Windows world and the content-based web world. Programming WPF helps you bring it all together.
Build an online presence for your business with web marketing Why buy several books on web marketing when you can buy just one? With this must-have resource, five marketing professionals team up to share their expertise in the field of web marketing so that you can benefit from their know-how. Covering everything from site building, search engine optimization, and web analytics to online advertising, e-mail marketing, and harnessing the potential of social media, this team of web marketing gurus brings their insight and experience to the table and it's yours for the taking. Provides invaluable advice for establishing a web presence and getting your message out with online advertising Zeroes in on search engine optimization so that your site can be discovered by search engines and, ultimately, consumers Explains how web analytics can offer you a better understanding of your web marketing efforts Details ways to establish an online voice with blogging and podcasting Walks you through the potential of social media marketing with Facebook, Twitter, and Google+ Looks at various options for getting your message onto mobile platforms Web Marketing All in One For Dummies, 2nd Edition shows you how to get your online name out there so that customers can find you easily.
World's greatest investor's retirement advice Retirement income for life from 2 Vanguard fundsAvoid “high-fee managers” Warren Buffett's will provides for his family by directing that his cash assets be invested in just two Vanguard funds: One will provide cash for the coming year and the other will provide a sound future. The best way to protect your family's future is to be invested in the stock market. Pure and simple. When you have stock assets, your money compounds at higher rates when your account fees are 0.01-0.05%, not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide the firm with higher revenues. The average investor earns 2.56%, not the 10-12% market rates. (QAIB)
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