Business and Personal Finance classwork && homework packet question.
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Thinking of investing your savings?
While increasing your savings is good, multiplying your money through smart investments feels great - there are lots of opportunities out there and you can be successful if you're arming yourself with the right information.
Where to start?
If you're going to try your luck on the stock market or trading options, first start by learning the basics and delay as much as possible buying real positions. One way of getting hands-on experience with the markets is through online trading - either forex or binary options are good learning grounds and most online brokers offer trial accounts free of charge (if you're wondering what are binary options, 24option.com has very good resources on it, besides offering a free practice account and a wealth of information about binary trading in general). Final warning for the very eager: binary options are exotic financial instruments; real trading involves substantial risk of monetary loss.
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is the bank FDIC insured? what interest rate does the bank pay for savings/charge for a loan? is there a shorter term program the bank has that pays higher interest than a standard savings account? (a lot of Christmas Clubs pay more and have a moderate cap on the $ you can put in.) on the loan is the rate fixed? is there penalty for early pay off? what will my monthly note be? when are the notes due? do i have a grace period? how many days? what is the penalty for being late? try to negotiate on any fees including interest.
What is the minimal deposit?
What are the current rates of interest?
What penalties or fee’s are there?
How many different tiers of savings are there, and what are the benefits of each?
There’s a lot to learn about personal finance, and so many lies and myth’s out there…your gonna have to do some research and find out which banks can be trusted, and deliver good products and services, and which can’t.
Just because it’s a big bank, doesn’t mean it can be trusted. same with any size…..
Also important to ask if they offer online banking/billing, anything that you can use to automate your financial life, can really be a life saver…
The biggest ones are what is the minimum balance required to maintain the account, when does it become inactive, what are the fees and penalties, finally how many transactions are allowed to be moved out of the account before it gets changed to a checking account. These are the key ones that I would ask, I am not sure what your class is looking for since I don’t have the book.
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What’s the interest rate? Can I get a standard amount deducted from my paycheck?