Forum pracy nad projektem wskrzeszenia The Forge

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on a CD, which, in fact, is mythical because it is unlikely that you will be able to capture exactly the same rate when the CD comes due in three or six months. Make sure that you check with your bank to see what happens when your CD matures. Banks are not required to notify you when a CD is about to mature. Some will automatically reinvest the money in a new CD at the prevailing rate, which may or may not be what you want. Some banks will automatically mail you a check for the full amount of your CD,[link widoczny dla zalogowanych], while others will put the money in a low-yielding passbook account until you give them further instructions. To protect yourself against the ups and downs of interest rates, you might try a strategy called laddering. Instead of putting all your money in one CD with one maturity,[link widoczny dla zalogowanych], spread it among several CDs maturing every few months. With this technique, CDs will constantly be maturing,[link widoczny dla zalogowanych], which gives you the chance to reinvest at higher rates if rates have risen. If rates have fallen, you still have several CDs locked in at higher rates. In addition to buying CDs directly from banks, you can buy CDs indirectly,[link widoczny dla zalogowanych], from brokerage firms. Most brokerage firms sell CDs from banks across the country. For example, a bank contacts a brokerage firm because it wants to raise several million dollars quickly. Instead of relying on its branches to bring in cash, the bank pays a fee to the broker to solicit clients. Therefore, clients do not have to pay a fee to buy a CD through a broker because
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