FINANCE

Savings

Making deposit accounts pay

Mortgage-switching is in the news again, thanks to research from the Central Bank showing that as many as 21 per cent of all mortgage holders could save money by switching their mortgage provider. We have covered this topic extensively already, but adopting a similar switching approach to your deposits can also reap rewards. Yes, deposit rates are on the floor, given the low global interest rate environment, which means the savings are likely to be considerably lower. But this doesn’t mean you shouldn’t bother. Benefiting from an extra 50 basis points or so on your deposits will help you make the most of what you have.

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Energy Efficiency Council - Efficiency Providers

Home Membership Our members Energy Efficiency Council members are Australia’s leading providers of energy efficiency products, services and expertise in the commercial, industrial, government and residential sectors. EEC members include Australian and multinational companies, technical experts, equipment manufacturers and installers, policy experts, government bodies and major energy users with a particular interest in energy efficiency. They all share a common goal – to be part of a network of trusted efficiency advocates, working collaboratively to make sensible, cost effective energy efficiency measures standard practice across the Australian economy.

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How to Check the Cash Redemption Value of a Premium Canada Savings Bond

My children have a collection of Canada Premium Bonds given to them over the years by a kind relative. The rate of return in recent years on these bonds has been shockingly low but the principal is safe and the donor is happy. Recently, though, I’ve been able to coax the donor into allowing me to move some of the money into another investment for the children which will at least keep up with the rate of inflation so the value of the gift is not diminishing over time. That led me to wonder how I could determine the value of any given Canada Savings Bond or Canada Premium Bond if it is redeemed early.

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WSJ Web Slice

Check out the 529 plans offered in your state, since they may provide extra tax breaks. Compare between a prepaid plan or an investment plan, which tends to be the better deal. Enroll in Upromise and consider channeling credit card rewards into a 529. Send Feedback on this How-To Guide » You can choose a 529 plan in just three steps that will take you less than five minutes. After you pick your plan, enrolling might take a half hour or so. 1. First, check out the 529 plan in your state. More than half of states offer a state income-tax deduction or income-tax credit on residents’ contributions to their state’s own plans.

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Macy’s Wow Pass – $10 Off $25 or 20% Off

Discount: $10 off $25 During the Spring Sale, Macy’s has wow pass coupon for $10 Off $25 purchase or 20% Off select sale and clearance purchase in store with printable pass. Valid on select sale & clearance clothing purchase. You can also use the below coupon to get the same discount of 20% Off online using the coupon code plus Getfree shipping on $49 purchase. On top of it, Macy’s is running a special sale where items are discounted up to 40% Off on Clothing, handbags, jewelry and home items. Also 20% off on kitchen appliances. Some notable deals are: – 50% off Dresses – Up to 50% off Swimwear.

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How do banks calculate interest on your savings a/c

Jun 25, 2012 11:58 AM IST | Source:Moneycontrol. com RBI's deregulation drive on saving interest rates has created a competitive environment across banks in an effort to retain and capture a loyal customer base. The second quarter of the monetary policy review instructed banks to implement deregulation of savings bank rates with immediate effect, allowing banks to set their own interest rates. The rate of interest in savings bank account was 4% per annum as mandated by the government in May 2011. However with the recent change banks are now allowed to fix their interest rates for saving account customers.

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Here's the Average American's Savings Rate

Image source: Getty Images. You may have heard that Americans are bad at saving money, but exactly what does that mean? The personal savings rate is simply defined as the amount of money you've saved as a percentage of your disposable personal income, and the latest data tells us why Americans may not be as prepared for retirement and emergency expenses as they should be. The personal savings rate in America According to the latest data from the U. S. Bureau of Economic Analysis, the personal saving rate in the United States is 5. 7%. This means that out of every $100 in after-tax income Americans bring in, approximately $5.

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Clock Changes in Sacramento, California, USA in 2012

Home   Time Zones   Time Change Dates   USA   Sacramento ◢ Next change: 1 hour Back Nov 5, 2017, 2:00 am Start DST:Sunday, March 11, 2012   1 hour forward End DST:Sunday, November 4, 2012   1 hour backward When local standard time was about to reachSunday, March 11, 2012, 2:00:00 am clocks were turned forward 1 hour to Sunday, March 11, 2012, 3:00:00 am local daylight time insteadSunrise and sunset was about 1 hour later on Mar 11, 2012 than the day before. There was more light in the evening. Also called Spring Forward, Summer Time, and Daylight Savings Time.

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High Interest Savings Accounts - Get the Best Rates

7 million Canadians have compared and saved1-866-462-4779 Compare 100+ Bank Accounts in Minutes Are you getting the best savings rate in the market? Compare savings accounts to make sure your money is working for you. Compare Savings Accounts What are you looking for in a chequing account - unlimited transactions, or no monthly fees perhaps? Compare Chequing Accounts A Tax Free Savings Account (TFSA) gives you the benefit of growing your savings - without paying taxes on the interest you earn. Compare TFSAs Money experts say that a child needs their own bank account as its a great financial learning opportunity.

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Reminder: Daylight Saving Time 2017 Time Change

Barbecue grills, flip-flops, garden plants – don’t break them out just yet. Well, we’ve all grilled out already during one of the warmest February months on record in Maryland and Virginia. While spring doesn’t pop up on the calendar until March 20, the first hint of it comes when Daylight Saving Time officially begins on Sunday, March 12. The time change officially takes place at 2 a. m. , so change your microwave and old-school clocks before you head to bed Saturday night. The change is automatic for most smartphones, computers, tablets and other digital devices.

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