Know more about the best CD rates A Certificate of Deposit is an agreement between you and your bank in which you promise to not withdraw any amount within a specific period of time, and in return, the bank gives you a higher rate of interest on the money used to fund the Certificate of Deposit. According to the deposit terminology, the term CD rates refer to the rate of interest on Certificates of Deposit. The factors affecting the bank CD rates are the length of time until the CD matures, and the current interest rate environment. Following is the list of the latest best CD rates available. What are the CD rates offered by Marcus by Goldman Sachs? Marcus by Goldman Sachs is the consumer lending platform by Goldman Sachs Bank, USA which is a large investment bank. Goldman offers very competitive rates and your funds are FDIC insured. The best thing is that there is only a $500 minimum deposit required. It offers the best CD rates in the market today. The following are their rates: 6-month: 0.60% APY 9-month: 0.70% APY 12-month: 2.55% APY 18-month: 2.55% APY 2-year: 2.60% APY 3-year: 2.65% APY 5-year: 3.10% APY 6-year:

An overview of cell phones A cellular phone, also known as a cell phone or mobile phone, is a telecommunication device which enables calls to transmit wirelessly over a wide range by using the network of the particular service provider. The cellular phone has a subscriber identity module (SIM) card that assigns a particular number to the phone and provides a network for calling and Internet services. How cellular phones help in daily life? Stay connected anytime and anywhere – The most basic and important benefit of a cell phone is that you can contact anyone from anywhere at any hour of the day. Information access – You can access any information by connecting to the Internet on your cell phone. You can access social media, websites, apps, and many other platforms to get the information you want. SMS – Today, the most widely used services around the world is the short messaging service (SMS). When you are busy in a meeting or any situation you can easily send an SMS. In case of emergencies and network issues, SMS can be very helpful. In emergencies – Cell phones are of great use in time of emergencies, you can dial up any number or the pre-stored emergency numbers to tackle any situation.

Best budget smartphones of the year A cellular phone, also known as a cell phone or a mobile phone, is known to us all. To define it in simple terms a cell phone is a telecommunication device that uses the radio waves over a networked area (cells), and it is served through a base station or a cell site at a fixed location, making it possible for the calls to get transmitted wirelessly over a wide range, to a fixed landline or via the Internet. Cellphones have undergone a big revolution to become smartphones. Most people today use smartphones. There are a plethora of options in the mobile phone market to choose from. From expensive smartphones to budget ones, there is a smartphone for everyone. Below is some information about the budget smartphones, their features, and more. Which are the best budget smartphones available in the market? Today, we are living in a world where there are plenty of cheap, good cellphones. The prices have dropped and the software is getting better. This means inexpensive cellular phones with the previous year’s part or parts from the year before are still going to serve well. Here are the top cheap cell phones available in the market:

A list of lucrative franchises to buy In the franchising model, you are borrowing some other company’s proven business model; thus can be much safer than starting a new business. Buying a franchise can be a very important decision in an entrepreneur’s life. In an industry that is filled with thousands of franchising opportunities, finding the right one that is suitable according to your needs can be a challenging task. Every franchising agreement is unique and the success of the franchise depends on the initial investment, eventual fees and the support they receive from the franchisor as well as the strength of the brand and the financial stability of their parent company. So here are some of the best franchises in the country that you can take a chance on. Who are Budget Blinds? The Budget Blinds franchise is a mobile business for sale and installation of window coverings, such as shutters, wood blinds, mini blinds, vertical blinds, pleated shades, draperies, cellular shades, roller shades, roman shades, and solar shades. The franchisor will train you and one other person free of cost at its headquarters situated in Irvine, California if you are taking its franchise for the first time. They have 971 franchises and it costs anywhere between $89,200-$187,100 to open one.

Frequently asked questions on loans Loans help an individual make an immediate purchase of items such as automobiles and electronics, plan for a second home, a marriage, or further studies. It is the aid required to tick things off your bucket list a little more easily. It is very easy to get loans nowadays. But before you are granted one, there is a set of checks and balances you must go through and a lot of factors you must consider. It is crucial to evaluate all the options and then make a suitable choice. This article answers certain doubts most people have at the prospect of applying for a loan. How do you know whether you will qualify for the loan or not? You are probably going to hurt your own credit by applying for a loan you are doubtful to get. It is just like when you get declined for the personal credit card, it only makes it more difficult to borrow in future. It is suggested that you ask the lending organizations about their specific requirements before applying for the loan. Many of them will inform you about the minimum credit score they require as well as the cash flow you need to show and other qualifying factors.

Things to know before applying for a loan The term loan means the process of lending money by one or more people, agencies, or any other entities to different individuals or organizations. The borrower incurs a debt and is usually responsible for the payment of the interest on that debt until the principal amount borrowed is not repaid. In times like these when income exceeds the expenditure more often than not, or people are desirous of having a higher standard of living, loans let people realize their dreams sooner. The lender gets an incentive through the interest to engage in the loan. Acting as a loan provider is one of the main activities of the financial organizations which includes banks and credit card companies. What are the types of loans? Secured Loan: In this type of loan a borrower pledges an asset like a car or a house as a collateral. Unsecured Loan: This type of loan is not secured against any of the borrower’s assets. Examples of such loans include credit card debt, personal loans, bank overdrafts, peer-to-peer lending, credit facilities or lines of credits. Demand Loans: These are short-term loans which typically do not have a fixed date for repayment.

An overview of students loans and the types Loans are just a part of life for most students. Without applying for student loans, most of us could not go to school, complete a degree, and find a good job. In fact, more than two third of the students attending college today will need to apply for student loans. Luckily, many student loans offer relatively low-interest rates and borrower-friendly repayment options. However, limits do apply for loans, as there are limits to the amount you can borrow by loan type and only up to the cost of education. Ensure that you don’t borrow more than your total education cost. Doing so may prevent you from receiving some of the gift aid you are eligible for. Federal loans provided by the government are usually the first choice for student borrowers. To cover college costs after exhausting the federal loan funding, institutional loans, which are offered through your school and private loans offered by private loan lenders are available. So what is the procedure to apply for student loans, the different types, and in what ways can you make them work well for you? How can you start off applying for a student loan?

Things to know when applying for student loans When it’s time to apply for student loans, think less about the massive debt and more about how much you actually need to pay back because in reality not everyone will pay the whole thing and some graduates might get away by paying nothing while the entire debt is forgiven after thirty years. The direct loan is a common federal loan. The interest rate on a direct loan is set by the federal government and has some terms and conditions, which are also set by the government. While the rate may change from one year to another, the interest rate that you are given when you apply for student loans is fixed for the life of your loan. It depends on how much you earn. After you are a graduate, you have to start repaying your debts if your earnings are up to the mark. A certain percentage will go as per paying your debts. So, if you earn less, you pay nothing. What are the two different types of direct loans? Subsidized Unsubsidized What is a subsidized loan? A subsidized loan means that no interest is accruing while you are in school, in a grace period, or when you have an authorized deferment.

Make your retirement secure with annuities Most people look forward to retirement. After all, it is a time when you can reap the benefits of everything you have sowed for your entire life. However, this is also the time when one needs financial security the most. The inflow of regular income stops and you have to survive on your life’s savings to spend your retirement peacefully. One option for the same is securing your retirement with annuities. It is a preferred option for regular cash flow once the period of the investment is over. Following is some relevant information that you may need to know while choosing retirement annuities. What is an annuity? An annuity is a type of insurance product that sets up a system of investment wherein you can get regular cash flows after a stipulated duration of the investment. Retirement annuities are a common addition to portfolios, which mainly aim at investing toward a financially secure retirement. The working principle of an annuity can be divided into two phases. First, you invest a pre-decided amount into the annuity. Second, you receive a payout on a pre-decided set of dates. These dates can be set as per your (the investor’s) convenience.

How can predictive analytics help finance managers The promise of big data and predictive analytics on data sets belonging to organizations is huge. Businesses can come out with customer-specific consumption patterns, spending behaviors, likes, dislikes, requirements, and improvements desired. That is quite an extensive area of study for any business manager. Predictive analytics finance can help you do just that with the help of tools. How to study behaviors with the help of predictive analytics in finance? Predictive analytics is now being extensively used by businesses to gain insight into various financial aspects of businesses. Most of these aspects revolve around the purchase behavior of customers. The purchase behavior of customers is guided by several factors. You can have a group of customers going for low-value products while others going for high-value products. While some customers purchase only for their children or parents, others may purchase for the whole family. There are still others who spend for themselves only. You can get all these data from the store data, credit card data and online data. This vast amount of data can throw up very detailed insight into the behavior of customer groups. What are the main components of predictive analytics in finance?