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Is adding a TIPS to your portfolio a good idea? Most investment advisors will tell you yes, of course it’s a good idea. But that’s not necessarily true. For the sophisticated investor, the decision to do so depends on your personal view of the economy and future inflation expectations. It also depends on what you think will happen with the budget talks in Washington and the US’s ability to rein in its massive Federal debt. Lastly, it depends on how others view the same prospects.

TIPS were created as a means to help safeguard and preserve consumer buying power in times of upward inflationary pressure on prices.  The Bureau of Labor Statistics publishes the CPI-U mid-month and it is used to adjust – up or down – the TIPS principal on a semi-annual basis.  

If you are new to TIPS or want some general information, see our TIPS primer.  TIPS can be purchased from the U.S. Treasury online and at many banks across the country in increments of $ 100 for terms of 5, 10 or 30 years.   They may be purchased by individuals, estates, trusts, partnerships or corporations. 

To briefly summarize, the yield on a TIPS is determined in auction.  Below are the

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This is an accurate Cathay Bank CD rates December Review 2011 disclosing the reduction of the CD rates since our last visit. The terms of 180 days and greater are the CDs that have seen a reduction in what they return to those investing their money in them. The amount of the reduction is from 0.10% to 0.20%.

The following bank rates are available for all the regions that Cathay Bank has branch offices in. These states include Northern California, Southern California, Texas, Washington, New Jersey, New York, Massachusetts and Illinois.

The certificates of deposits rates from Cathay Bank are offered in a tiered format. The minimum deposit levels are $2,500 and $50,000.

The current bank CD rates include the 7 to 31 day CD that is earning an APY of 0.05% and 0.10% respectively. The 32 to 89 day CD is earning an APY of 0.10% and 0.15%.

The 90 to 179 day CD is earning an APY of 0.20% and 0.30% respectively. The 180 to 364 day CD is earning an APY of 0.40% and 0.40%.

The 1 year to 23 month CD is earning an APY of 0.60% and 0.60%. The 2 year to 35 month CD is earning an APY of 0.70% and 0.70%.

The best CD rates are from the 3 to 5 year CD that is earning an APY of 0.80% and 0.90%.

Cathy Bank customers can also invest in jumbo CDs. T

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Corporate insolvency is a very painful process because it includes many financial and emotional issues. Corporate insolvency happens to a business when it is unable to pay back its debts. And if you have any issue of corporate insolsvency that need to be looked then it will good and helpful if you discuss this situation with a legal expert they will obviously give you some helpful corporate insolvency advice.

When a corporate insolvency happen to a business then they don’t keep longer there debts repayment. This situation is also known as insolvent and it soon it will not cure then it will become bankruptcy. Many people thinks that bankruptcy and insolvency are the same thing but insolvency is the situation when business is unable to pay its debts and this problem can be temporarily and can be cure. On other hand bankruptcy is official declaration of company that it have no more money for paying debts.

Many business face the problem of insolvency due to different reason but the most common reason is that not having the enough capital for paying to their creditors. T Read Full Post…

The Bank of England is keeping its powder dry. That was the unspoken message from Threadneedle Street following the meeting of the Bank’s monetary policy committee, which left interest rates on hold at 0.5% and did not announce any further injections of electronic money into the economy.

When the minutes of the meeting are released, however, they are likely to show that a further dose of QE is firmly on the Bank’s agenda, and it is purely a matter of when, not if.

We know this because the Bank signalled that it would need to do more to boost spending in the economy when it published its latest inflation report last month. The best guess of the MPC is that inflation will fall below its 2% target over the next two years unless there is additional stimulus.

Some analysts said the Bank’s analysis meant there was no point in delay. If, they said, Threadneedle Street knew it would have to do more QE, then why not get on and do it now? It is likely that view was indeed floated at the MPC meeting, although we will not know for sure until the minutes come out.

The argument against acting immediately is that the Bank is currently part-way through the £75bn programme of QE announced in October.

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Ever since the financial crisis of 2008 payment terms have been getting longer. Customers that used to pay in 30 days are now demanding 45 days to pay. Those that used to pay in 45 days are now demanding 60 some even go as far as demanding 70 or 80 days to pay. This presents a big problem for many small businesses because many cannot afford to wait that long to get paid. Because of this, many small businesses are forced to turn away those opportunities. For many, this makes a bad situation worse.

One possible solution to this problem is to use invoice factoring. Invoice factoring accelerates your revenues through a factoring company and eliminates having to wait up to 90 days to get paid by customers. The factoring company advances revenues due to you from your invoices for a small fee. The transaction is settled once your customer pays the invoice in full by your customer.

To work effectively, you would clear the transaction with the factoring company ahead of time, and then make the sale (or provide the service) to the customer. Once you complete the work, you can invoice the customer and sell the invoice to the factoring company. This

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