by Melinda Torbay
Debt or Savings?

I guess most of us dream about living without debt. If you are like me, you sit down and pay bills, and think about how much money you would have if you did not have to service credit card bills, car loans, or a mortgage. Maybe a picture of a shack on an island even comes to mind.

I really think that those end of the world books became popular as an escape. Even if something awful happens, like a zombie invasion, it would still wipe out all of our creditors too.

But are we better off without debt, or should we had onto cash? I think the answer is complex, and like most things in life, it depends.

Move Credit Around

Maybe you can improve your debt situation even if you cannot eliminate it. It is tough these days, but many people can still find offers for …

Dr Stock Pick HOT News & Alerts!

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FREE Daily Stock Alerts From DrStockPick.com

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Thursday September 24, 2009

DrStockPick.com Stock Report!

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DISH Network Corporation (Nasdaq: DISH) today announced that its subsidiary, DISH DBS Corporation, plans to offer approximately $300 million aggregate principal amount of debt securities. The net proceeds of the offering are intended to be used for general corporate purposes.

Seaway Valley Capital Corporation (OTC Bulletin Board: SWVL), a diversified holding company with its subsidiary, Hackett’s Stores, Inc. (Pink Sheets: HCKE), today announced that newly hired Vice President Herbert Becker will be promoted to President of Patrick

by May Eastwood Elenore Lewis Brenda Warden Pamela Stewart

What’s the FDIC?

The world financial crisis has dried up the credit market, caused money giants like Lehman Brothers to crash, and forced gigantic banks to combine, making many folks wonder where their money will be safe. Through the FDIC or the Federal Deposit Insurance Corporation the bank is still the best place to keep your money regardless of what occurs to your bank. In October 2008 the deposit insurance was briefly raised to $250,000 per depositor thru December 31, 2009, so if your area bank falls down you can still be guaranteed your deposit up to $250,000.

FDIC 101

Established in 1933, the FDIC was made to guarantee public confidence in the banking system. This worked by providing all depositors in FDIC-insured banks coverage up to $5,000 ( in the thirty’s ), and second by taking over for a failed bank …

With so many exchange traded funds available now, it has become possible to maximize investment return by creating a strategy that rotates assets between exchange traded funds – such a technique can permit a trader to find sectors that are increasing in price no matter what the current market climate is.

Broad Market ETFs

Index ETFs were introduced about 20 years ago to track the broader stock market indexes such as the famous Dow Industrials and the index tracking etf, SPY which tracks the S&P 500 Index. These exchange traded funds generally follow the major indexes and are fairly less volatile (move less in each direction) than other more specific sector and country ETFs.

Sector ETFs

Such ETFs as OIL (oil), GLD (gold) and SHY (short term bonds), allow a system to be developed that seeks to find which narrow market segment is likely to outperform in the near term and …