by Pete Veslick

Anyone who has money to invest is hurt by low interest rates. If you want to buy things on credit such as a car you might like the interest rates where they are now but people who have money sitting around are not happy. Right now the saying time is money does not really apply to bank cds and other investments where you make money by lending it to banks.

The people that are hurt by low interest rates are those people that like to invest in bank certificate of deposits (CDs) and other investment that are guaranteed by the government. Government bonds would also fall into that category. Seniors often have their money in this type of safe investment vehicle because they need to be guaranteed that they will not lose the money. In exchange for the low risk, they are willing to make less …

by Jessica Haug

The option of the 403b retirement scheme is a great way of saving for when you finish working. It is a plan that has been created specifically for employees of educational institutions, non-profit businesses and clergymen. There are a number of options available on this plan and it has advantages for both the employee as well as the employer.

The employer can rely on the fact that the plan features the facility for the funding to be shared by both parties. It is sometimes stipulated that only the employee can contribute, however. Employers can rest assured that the benefits an employee gets on the 403b retirement plan will keep them with that employer for a long time to come.

Workers will love the range of advantages that this plan has to offer them. Firstly, they can revel in the fact that they will get a reduction of tax …

by Alan Myers

There is no disagreement about the sad state of our economy. And, the experts unanimously agree that it will, at some point, bounce back.

The big question is, what to do until then. Here are some good tactics.

1. Meet with your supervisor to determine what new skills would make you more valuable. Then come up with a plan to acquire them.

2. Enroll in an online degree or Online certificate program which will give you the edge over people in your profession against whom you may find yourself competing.

3. Have an updated resume and cover letter ready at all times. Tailor them as necessary for each opportunity that presents itself.

4. Don’t dump good stocks or investments just because they have temporarily lost value.

5. Consider regularly scheduled investments in undervalued stocks or assets. Use only funds for which you will not …