We are an immediate loan specialist in Long Branch, and we are quicker and more advantageous than run of the mill retail facade banks since we're based on the web and are open constantly. No compelling reason to sit tight for "ordinary business hours" or invest energy flying out to the store — our short application can be finished in not more than minutes. You can even apply from a cell phone while you're in a hurry!
We can loan up to $500 to Long Branch occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.
Money Market funds are now covered by Uncle Sam for an amount well over FDIC coverage. So loss is not likely to be a concern. I used to be a money fund type of guy... but for the last 6-8 years I've found on-line savings accounts have better rates (consistantly). My favorites include; www.GMACBank.com www.INGDirect.com www.HSBCDirect.com www.EverBank.com If you want to keep it at eTrade... to keep it simple within the IRA.... Vanguard Prime 2.49% yield American Century 2.40% yield Fidelity Select 2.20% yield (as shown in Money Mag, page 104, FEB2009 issue)
Now is the absolute best time to be buying equities (stocks). What is your plan ? Wait until the market goes up, buy high and when it goes down again, sell ? Excellent companies with yields much higher than money market accounts are the lowest they've been in 25 years. Alcoa Aluminum $7per share , 8% yield. Dow Chemical $12/share, 13% yield Textron $9/share, 10% yield General Electric $12/share , 10% yield. In 5 years you'll look like a genius if you buy these now. new-jersey if you insist: All money funds are pretty much the same. They all use corporate paper to get a few more basis point yield than short term treasuries. Unless they also use hedging, derivatives or options, the yield will be within .25% of every other MM fund out there. Bottom line:Just choose one, they're all about the same. Increased yield always comes with increased risk. Money funds are uninsured. You might find a 6 or 12 month CD with an even higher yield than current MM. Check out ACG on NYSE. Lots of older, high yielding treasuries. Just get out before rates go up.
Most money markets never go down and if they do hopefully the manamagement will cover the losses - look at the Vanguard Money Markets - or even E-trade since they would probably charge you an extra fee for getting a competitors product.
There will be no penalties on the money market accounts. The CD's will have some kind of penalty depending on how early they are being cashed out before they mature. The IRA's will have penalties and tax consequences if you take out more than the allotted amount since those payments are spread out over a period of time.
If you are serious to invest, you can consider HSFX Asset Management, google then in search engine and start making consistent profits!