Social networks not only are revalued in stock (up to 377% percent in the last year), but also help predict the vagaries of stock market, according to some studies. In this context, it is easy to see why over 80% of financial adviser believes that over the next five years, social networks help to attracting customers and also enhance the relationship with them. Currently, between 15% and 20% of the investment is captured through social network.

Behind this trend, in the words of Marc Garrigasait, president of Koala Capital SICAV, the transparency that social networks provide the financial world. “If you are transparent, investors will appreciate what this means more empathy and more benefits,” he says.

Over 70% of financial advisors are registered in any of the social networks, especially Facebook, LinkedIn, and Twitter Unience, according to a survey on the use of social networks by EFPA Spain (European Association of Advisers and Financial Planners -Heritage). The vast majority believe that social media are very useful for several reasons: because they represent an efficient channel of communication, constitute a direct and easy communication, are a good tool to keep abreast of new trends, and consider marketing tool  and online advertising.

Since most banks currently offer various types of fixed accounts, there are certain tips you can use to maximize your profits. Using fixed account is one of the easiest ways to break into investing since the majority of them are sure fire as long as your are good with your money and can stick to a plan. Use some of these tips to maximize the effectiveness of accounts like these.

• Comparison Shop- Many banks will have close to the same interest rate, but special promotions are very common, especially with CDs. Certificates of deposit tend to different interest rates between banks, so see who has the best offer at the time. Since they tend to start at 6 months, you can roll it over between several different banks depending on who is offering the best interest rate when your accounts are liquid.

• Leave It In The Bank- An investment requires that you leave them money in the bank, especially when it is a sure bet. You know the return you’ll be getting on it, so there is no need to worry. Just don’t touch it and you’ll be fine. One way to keep it this way is to make sure you have enough liquid assets to last you in an emergency. Keep a saving account with available cash in it should the need arise and leave your investment alone.

• Calculate- Figure out how much you will be getting from your investment, and never leave that to the bank. One minor miscalculation on their part could take money away from you. Have a good idea of what you should get. Banks are not perfect, as many people have discovered, and they do make mistakes. (more…)

If you had already thought about your future after you no longer had anything to do with the office duties, it is wise to plan for your future involving gold IRA. This is the kind of investment that does not degraded with time because the total value of this investment will always soar with time.

When you want to invest on IRA gold, it is recommended that you choose the very safe and secure deposit service. However, the service should not burden you with high costs. The current rate for deposit service is around $60. But if possible, you should also equip your pension investment of gold 401k with secure transport service. This service is very important for times when you are happen to wish to sell your current wealth. But it is wise if you hold your current wealth for longer time as its value will be higher with time.

But in case you are forced to sell your 401k gold, it is recommended that you also contact the police department so that you can have maximum security. In every gold IRA transfer, you also have to make sure the security parameters are enforced with as many people as possible.

Interest rates are very low. In previous articles we gave some advice on high-yield deposits that could still recruit even earlier this year, but at this stage of the crisis and Euribor from soils (an advantage for those with mortgage), it is really hard to find deposits have the same yields as last year.

However, not everything is gray. Experts predict a future rise in interest rate, possibly later this year or early 2010. That would be a very propitious moment to hire a good deposit of these to one year with an attractive interest.

Until that moment, what we can do is opt for the existing short-term deposits in the banking system today. They come in 3 or 6 months. It is true that when returns are handled very small (between 1 and 3%) but otherwise have a very low CPI (1%) resulting in a range of customer purchasing power to the tank.

Before hiring a deposit, always assure the cancellation policy. Most, to cancel early, forcing you to pay compensation but it never exceeds the interest earned. What is sacrosanct is the initial capital that you have deposited.

The Department of Consumer Law in New York City has this bulletin on different ideas of how to take advantage of the refund you receive to complete your taxes. These tips also apply to any amount of money you receive might not be part of your monthly income: A panel, double salary, an inheritance, a raise, etc… Here goes:

A tax rebate puts money in your pocket that can help you pay your bills. If you are careful in handling the refund, you can also use it to achieve other financial goals.

Reduce your debt
Debt interest cost money, so if you cut it, eventually it will help save more. If you have loans or multiple credit cards, first pay the debt with the highest interest.

Start an emergency fund
Place a portion of their refund into a savings account to hold funds for emergencies or financial need. (more…)