Can you answer caramelhoney20042000’s question about Bonds?:

I am looking for an investment option that yields high interest and that is not required to be a long term commitment. I would like to start out investing $50 a month / 600 a year.

Buy Savings Bonds Online

As the Internet continues to grow, the popularity of online banking has simply exploded in recent years. Along with that has come the growth in opening savings accounts online. There are many reasons to open a savings account online. Among them include:

· Convenience. You can add money to your savings account online at any time of day. There is no driving to the bank or credit union during normal banking hours. · Simple to open an account. The process may take 15 minutes at most. · A high yield savings accounts. Online savings accounts most always pay a significantly higher rate of interest than regular neighborhood banks. How is that possible? There are fewer expenses with online bank accounts. The overhead expenses are nominal. · Ease in tracking your balance. Everything is available to you online 24 hours a day. You’ll always know the activity in your savings account.

Finding A Bank

Finding a bank online to open a savings account is really quite simple. Perhaps the bank you are with now offers this option. You can also do a search on the Internet to find the best savings account to open up a new account with. Three very good banks that offer a high yield savings account come to mind immediately:

· Bank of America · HSBC · Chase Bank

All three of these banks offer special programs for online customers and make doing business extremely easy. They also offer top-level security for making online banking transactions. (This is important when doing business online)

Opening An Account

Opening up an online savings account is a fast process that is easily done over the Internet. You can open up an individual account, or a joint account. You will need only to type in your personal details and a checking account that will be linked to your new savings account.

The online bank will generally verify your identity and your linked checking account by doing a test deposit, then ask you to login and write in the deposit amounts to finish the verification. This usually takes 24 -48 hours at the most.

That’s it. You can then begin depositing money into your new online savings account. The bank will also mail out an information package that will include your ID numbers, as well as an ATM card to use in making withdrawals.

Opening up a savings account online is a great way to begin any savings plan. With all of its conveniences and higher paying interest rates, it’s a sound financial decision for everyone.



Thanks to Terry Edwards for contributing this article to our Bonds blog:

Us Savings Bonds Series Ee

Many people who have their own home business want to

make money online with affiliate program but some others invest in HYIPs.

Solid Investment, a well known player in the HYIP scene stole millions of dollars from their investors in July.

“It was very predictable, that Solid Investment would scam away in July, leaving many investors behind angry!” said Domenik Andre of http://www.DrHomeBusiness.com/solid_investment.htm. Reasons why the date could actually be foreseen was obvious. It was clear that Solid Investment was a properly planned scam from day one. They offered ridiculous returns on your investment of up to three percent each business day.

In early March Solid Investment came up with a new plan that offered even higher returns. Instead of paying out daily their three percent, they changed it to a sixty day plan. So nobody could take out any money until those sixty days were up. The promised returns of up to six percent per working-day should have been paid out in the beginning of June but likely for scammers they find a way to give themselves some extra time. Early in June they stated that due to the high amount of payouts, all payouts have to be done at the beginning of the new month. When July third arrived they sent out confirmations of payouts but of course they were already gone with the money.

When Solid Investment changed their investment plan, this should have been the biggest red flag but many investors fell into the trap.

Its wise to remember for the future that every time a HYIP changes its plan, then this might be an indication that it will close its doors in the near future.

Even more cruel is that the same scammers are running multiply ponzis and that very successfully. Estimates assume that only with Solid Investment they stole an eight figure sum of the investors but accurate numbers will never be found out. The similarities to other past scams like Jungle Ventures, Vasco Investment, Tinger Invest or ASC Fin are just a few to mention, all very likely run by the same professionally organized scammers.

To protect your investment from fraud in the future, it might be wise to stay away from HYIPs. Good alternatives with the potential of making nice returns would be managed accounts. You can have managed accounts in the forex market, but also futures, commodities and stocks provide high return investment opportunities. Of course these are still high risk investments but the chance of fraud is close to none.

With a managed account the opening person is the only one who can transfer money and the money can only be wired to the same bank account it was initially wired from.

Managed accounts start from as low as five thousand dollars up to over one hundred thousand dollars minimum investment capital.

If one, for whatever reason, still wants to invest in HYIPs, proper due diligence is a must. Mostly it is best to do research in popular HYIP forums, what other investors think of a program but you can also do some research using tools like whois, neotrace or the wayback machine to analyze a program. Of course this is no guarantee that the chose program is reliable but it sorts out many other obvious scams.

Domenik Andre is the founder of http://www.DrHomeBusiness.com where you get helpful tips to get more traffic and make more money online!

To get more information visit http://www.DrHomeBusiness.com/solid_investment.htm or to know more about affiliate programs and how to

make money online with affiliate program click on the link!



Thanks to Domenik Andre for contributing this article to our Bonds blog:

High Yield Corporate Bonds

What are savings interest rates? These are payments made by the bank to you for leaving your money in the bank. By depositing your money in the bank, your bank utilizes a portion of it in its loan operations where it subsequently earns through interest and loan charges. In effect, the income they receive trickles down to you, their source of money. This savings interest rate is actually an effective incentive system. Why so? If you save more money in your bank account through your deposits and savings, you end up receiving a higher return on the savings interest rate than other people would.

The last one is perhaps the most obvious feature of the bank that people do not take advantage of. A bank, being a financial intermediary, can actually help you save money efficiently. Here’s how.

First, you are required to keep what is called a maintaining balance in your bank account. This means that even if you make deductions in your account, the bank requires you to save a bare minimum in order to continue enjoying their services. And yes, that translates to a forced saving on your part.

When it comes to financial management, even business professionals reach a consensus as to what is the most effective, reliable, and secure means to manage your money, and that is through the bank. Your bank is an effective means to manage your bills payments, keep track of your transactions, receive your income and whatever extraneous cash inflow, and help you save effectively.

Another feature of bank saving is the fact that you are free to continuously add to your account whenever you can. Otherwise, your money will remain safe in your bank. Moreover, while it’s staying in the bank, you are actually earning interest rates on your money.

Banks have a threshold amount for you to be able to participate in the bank’s long-term, higher yield savings schemes. Time-deposit accounts, mutual funds and the like require you to leave your money untouched for a longer period of time. In exchange for the bank’s use of your money for a longer period of time, the percentages of interest return are double those that you would get in a regular savings account. You can add increments of a certain amount in order to increase the capital you invest in your time-deposit account or mutual fund. An increased account obviously translates to bigger interest gains.

Talk to your local bank about their savings schemes. They offer various mechanisms to encourage us consumers to entrust their money to them. In a bank, your money is in a safe place, and it is growing while it stays there.



Thanks to Fred Peters for contributing this article to our Bonds blog:

Us Treasury Savings Bonds

Some people spend their whole life struggling to earn enough money, so that when they are old, they can retire to a lovely destination and enjoy the remaining of their life. Today’s baby boomers are planning for retirement at younger ages than previous generations ever did. Many of us plan to travel from our homes each year, in search of beautiful spots, when we will retire. Whether it is by the water, in the mountains or near the desert, we will need money to pay for our vacations.

A solution would be to simply deposit a part of our income at some bank. But the truth is that banks had and will always have a really low interest rate. Some of us may feel very unsatisfied by this state of things. That is why I have to say that I am really happy High Yield Investment Programs (or simply HYIP’s) were invented.

HYIPs typically claim to offer interest rates of 1% or more per day on invested funds; some claim to offer much higher daily rates exceeding 200% a day. Allegedly, the highest-return HYIP on record has offered 1,100% ROI in one day. Still, I would recommend for diversity, instead of subscribing to programs with such big interest rates. HYIP’s are offering probably the most profitable investments available today. Conventional wisdom (if there is such a thing) in HYIP tends to suggest that the more you can start with, the less time it will take to become self sustaining. You can start with any amount… it is a combination of determination, discipline, knowledge and well being that will steer success or failure.

As to how long it could take to ‘make a living’; I venture to say that depends on what it takes to “live”. More is better, but it’s what is essential that matters. Reinvesting profits 100% is ideally the fast track, but some money is needed for life while ‘earning a living’. These “games” might be considered as lotteries. However, the odds of winning cannot be determined, as one cannot know whether one is playing early enough to win money (that is, whether a sufficient number of new participants will follow). Thus, these activities are unlike a lottery or other forms of gambling, where a player has an equal chance of winning no matter when a ticket is bought, or where the odds of the game are known.

Given all this information, I would like to add that from my experience as a hyip player, I am more the just satisfied by the results of my hyip investment. The phenomenon of Hyip’s is growing bigger and bigger on the internet today. Every day new programs are being launched. Lots of people are earning fortunes investing in these programs. Still, there is a big part of hyip’s that are scams. Many, many new players loose their savings to these guys. This is the place here Hyip Monitor comes into play. “Hyipbeings Monitor” is constantly studying and researching the hyip market, and they are also investing in a number of HYIP’s to be able to analyze them and keep track of their payments.



Thanks to J. Peterson for contributing this article to our Bonds blog:

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