If your idea of “HIGH YIELD” is a 5 month a CD, you are seriously missing out. You don’t know what you don’t know. I didn’t either. http://www.justbeenpaid.com/?r=GUk0ihlvzd
Duration : 0:0:33
SAVINGS ACCOUNT DON’T MAKE YOU WEALTHY: CREATE REAL PASSIVE INCOME
Retirement Savings Rule 1: Reduce Investment Risk as the Day Nears
This is the VOA Special English Economics Report , from http://voaspecialenglish.com | http://facebook.com/voalearningenglish
Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.In many countries, employers may offer some kind of retirement savings plan. The plan could be linked to the company’s stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your only way to save for retirement.Pete D’Arruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks. “There’s three stages of life there when we look at it. There’s the part where you’re earning money. And when you’re earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more.” By risks, Pete D’Arruda means investing in stocks and other financial instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings. “But then we get to the transition phase when we’re within five years or so of retirement. I call it the financial red zone because now is the time when you need to protect what you have, you need to start transitioning away from the risk of Wall Street and into safe places that guarantee lifetime income.” Pete D’Arruda has a simple way of deciding how much of your retirement savings should be at risk. He says take your age and put a percentage after it. That is the percentage of your retirement savings that should be fully protected from losing value. So, for a sixty-five-year-old, “sixty-five percent of the money must be in a place that can’t lose it. The reason why is when you’re in retirement it’s impossible to get the money back that you lost because you don’t have a salary coming in.”One recent survey by the Charles Schwab company found that forty-four percent of baby boomers feel secure in their readiness for retirement. Baby boomers are the generation of Americans born after World War Two. For VOA Special English, I’m Alex Villarreal.(Adapted from a radio program broadcast 28Oct2011)
Duration : 0:3:59
Savings – Lloyds TSB For The Journey
We’re all looking for new ways to save money these days. But some are more practical then others. At Lloyds TSB you won’t only find saving accounts with great rates, we’ve also got loads of practical tips that could save you hundreds of pounts. Be a savvy saver. Lloyds TSB, for the journey.
For more information please visit http://www.lloydstsb.com/savings.asp
This archive commercial is no longer being broadcast. Interest rates and other financial information may no longer apply.
Duration : 0:0:30
Ratelines, finding the best SAVINGS RATE for you
There are various savings accounts and savings account rates that can benefit customers in different ways. However, it is essential that the customer understands factors such as how long he can tie up the cash, when he will need it, and if he can pay the taxes.
Duration : 0:1:11
Personal Financial Management – for the OFW in South Korea
As of 2010, approximately 50,000 Filipinos have been helping fuel and strengthen the many industries of South Korea.
Their remittances help their families back home and contribute to the economic development of the
Philippines.
However, recent studies show that overseas Filipinos have a low savings rate. This DVD explores the
challenges that a Filipino in South Korea must face,
in particular as they relate to Financial Management.
It tackles issues related to culture and migration,
including common problems and solutions from
protecting one’s self against scams to actual business start-up.
This video also contains practical insights from
Philippine Government officials and
Filipino Community leaders in South Korea.
Duration : 0:25:15
Checking and Saving Accounts For Dummies
This video is for Consumer’s Ed class, which our class had for some reason the LAST week of school right before finals. Actually no, this video IS our finals for that class. Anyway, we got to choose between doing a live performance or a video, and as you can see .. I’m not exactly Natalie Portman when it comes to acting, so I managed to persuade my fellow group members to make a video instead. Enjoy.
Original script (some changes have been made):
_________________________________
Narration: This is Jessica. She loves shopping and today she got her first payment from her summerjob. Today, she’s going to the bank for the first time. (Poster of a bank)
Teller (M): Welcome to Lincoln Bank
Jessica: Hi, I want to open an account
Teller: what kind of account do you want to open?
Jessica: whichever account that lets me take money out.
Teller: we have two kinds of accounts: a savings account and a checking account.
Jessica: what’s the difference?
Teller: Well, a checkings account allows you to deposit and withdraw money from it at any time, whether it’s electronically, via your ATM, or by paying with a check. You will also receive a debit card and a checkbook to withdraw money from that account. A savings account lets you save money and you can watch it grow with interest. Withdrawals, however, are harder to make from a savings account than by a checking account.
Jessica: Can I open both accounts?
Teller: Yes, just fill out these papers… (hands her papers)
Jessica: I dunno what to do.. I got to go home and look up the stuff
-end scene-
Narrator: This is how you’re supposed to do it. Remember, if there is anything you don’t understand, go home and research the different accounts at your bank. (Jessica at home, typing on her computer)
Jessica: (typing and on phone) hmm… I think I’ll go to Koehler Bank instead of Lincoln Bank- they don’t charge a monthly fee for checking and savings accounts. I only need a minimum opening deposit $25. Well gotta go Mom! Soon I’ll have my own bank accounts!
Narrator (M): Thanks to researching, Jessica found another bank that was more suitable for her. She’s now going to Koehler Bank to open her accounts.
Teller (A): Good evening, how can I help you?
Jessica: Hey, I would like to open a checkings account and a savings account, thanks. Also, I’d like to know any specific information related to the accounts.
Teller: Sure! Unless most other banks who do not offer interests, our checking account has a 0.25% annual payment yield! However, you’ll need to have at least $25 on your account every month. If you don’t, we’ll charge an additional $10 every month until your the minimum limit is met. You can withdraw money from your account whenever you want to as long as your have money available in it.
Jessica: I see, how about the savings account?
Teller: Our savings account gives you a 1% apy. Also, you are restricted to 6 withdrawals per month.
Jessica: What about the fees?
Teller: For the checking account, beside the $25 limit there is ATM usage fees, online access and bill fee, as well as an overdraft fee. There’s no fee for the savings account.
Jessica: I see. Well, then I’d like to open both accounts here, thank you!
Teller: Very well, just sign here and you’re good to go. (Jessica signs) Here is your debit card and your check book. Have a good day!
Narrator: And just like that, Jessica opened her first bank accounts. She can now go shopping using her debit card and check book from her checking account and earn money with her savings account. She lived happily ever after. Thank you for watching.
Duration : 0:3:34
7 Ways to Spend Less-Save More
More tips on how to save money! Kerry and Vivi discuss paying yourself first through automated savings and how to pay down high interest credit cards.
Feel free to visit Premier America Credit Union’s website at http://www.premier.org. Premier America is committed to providing exceptional service to individuals and small businesses. We offer checking and savings accounts to individuals and businesses; business and auto loans; high yields on certificates and money market accounts; insurance; home mortgages and lines of credit; as well as a full line of investment services. Our members enjoy free access to 28,000+ CO-OP ATMS and 3,600+ shared branches nationwide along with free online services including home banking, eStatements and bill pay. We are proud to serve the communities of Chatsworth, Simi Valley, Thousand Oaks, Valencia, and Woodland Hills, California as well as Houston, Texas.
Duration : 0:5:24
CVS and Walgreens Savings for 9-11-11 through 9-17-11
This is my haul for walgreens:
Orbit gum-$.79 (not $.49)
Sinful Nail Polish-$.99
Pure Silk Shaving Cream-$.19
Aqua FreshTooth Paste-$.99
Tampons-$1.99
TOTAL-$6.35 rec’d $1.00 Register Rewards
CVS
Colgate Optic White Tooth Paste-$.49
Rec’d $1.50 Extra Care Bucks
thanks for watching-please comment,rate and subscribe
Duration : 0:3:53
Amy talks about saving for a holiday
Amy uses the MoneySmart savings goal calculator to work out how to save for her European vacation.
Duration : 0:0:37
Sharing the Savings: Hawaii Shopping Haul (Walgreens, Target, CVS/Longs in Hawaii, Home Depot)
Hey chickies – Planned a cool Sunday shopping trip and here are the awesome results! Just some corrections – my nephew is only 6 months old and I mispronounced Iwilei (lol – my husband caught both mistakes – after I finished the video :p). Hope you liked the video – rate it, subscribe, find us on Facebook, Twitter, and our blog: allcouponedout.com!
Mahalo!
Duration : 0:7:42