How much minimum amount to be deposited contained by ICICI edge nest egg explanation in need one tax per daytime?
Question:
Answer:
ING Direct have no miinmum
http://index-go.com/finance-savings-acco...
As per my knowhow it is Rs.5,000. Any amount below Rs.5,000 means cost.
i think that the below website will comfort you to find the right solution
this question should be posted to ICICI and not to Yahoo..
Chris
www.forexaim.com
how can I stay home and earn money for my line?
Question:
Answer:
Medical transcribing
Give tuition, make a trellis site- all of this wants single minded commitment.
Check out the become a consultant section at www.paulamills.com. Work from home and sort good money and best of adjectives, you are your own boss!
I know of a Site that has lots of design and choices to earn money from home. Most of the choices are Free to join. Please click on my signature (aquarius) then click on my 360 profile page and look hard by the top of the profile page. Go to the Additional Income page of that Site. (Posting a link surrounded by an answer here is against the rules)
I make money beside my website. You can see what it looks like next to the link below. If you want to know more, nick a look at the "work at home" page on the site.
You can make some pretty clothed money on this website. http://www.treasuretrooper.com/164469...
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I be basically looking at a ten quid file and Queen Liz wink and nod at me. Has this happen to you?
Question:
Do you think she's trying to transmit me something?
Answer:
Sure, she's chuffed about successful that Oscar.
No, but one time I was looking at $5 bill and Lincoln give me the finger!
see a doctor quick!!lol.
Nope can't voice it has!!
What be you drinking or smoking at the time
Yeah, shes saying "lay sour the acid" :o)
Yeah, she winked at me too.
I suppose it was the look of knowing what we did closing night and the lb10 be the change she give me.
It means that it have been contained by your purse for too long, and she is greatful for the fresh air.
Did any moths come out aswell?
Something tell me you have mental problems.
Were you rolling up the document and stuffing it up your nose in recent times before seeing this phenomenon?
I chew over a doctor is definately the way forward!
What is site is better surrounded by expressions of making money past its sell-by date of, Ebay or Amazon?, what site charges smaller number selling fees?
Question:
I'm wondering what site charges less selling fees, and would better to spawn money off of. I've hear that Ebay charges a 30 cent fee for respectively product you list, while Amazon one and only charges like something something contained by a whole grouping instead of individually, is that true? I know Ebay can rip you rotten and stuff, and I have hear of peoples accounts getting hacked, including here paypals.
Answer:
E-bay. it charges less to put entry on it that you don't need any more. Amazon charges 25% moe of what you manufacture when you sell some item.
Do a yahoo search for ebay sucks & in moderation study some of the results. There are millions. Then decide for yourself. I sold on ebay for 5 years & I surmise they suck. I closed my ebay account.
1) Ebay.
2) Amazon.
Both ebay and paypal are one and alike... but they dont get hack simply without any justification...
to know more goto http://www.ebay.com.g13.us
It should give you a more clear picture
http://www.ebay.com.g13.us
Ebay is a big bazaar , you just requirement to be carefull ,
You can buy wholesale , buy expensive stuff and sell them on ebay , usually electronics are the best . With a few sell of expensive electronics you can make really appropriate money , good examples are ps3 , plasma tvs , xbox 360 . Use Salehoo, http://salehoo.deals-guide.com , to find perfect wholesalers, salehoo also provides with you great guides on how to start on ebay
if you want to receive a dune sketch ..?
Question:
if u want to make a wall account do u enjoy do have an psyche from the dmv??
Answer:
yes, and other forms of id's
Not necessarily. You could have your parents co-sign
It depends on the mound. Check with them and find out what they will adopt for identification.
Since the events of 9-11 at hand have be many bills passed because of terroist commotion. A government issued photo ID is required to unstop an account, along near a second form of ID. The photo ID could be a driver's license, a state ID, a military ID, or a passport. You also have to own a physical address that you can be contacted at. If you know where you want to approachable your account ask what forms of ID they require. Most institutions are going to require some form of ID (even if it is a birth certificate).
I work for HSBC Bank and as a US Citizen... 1 form of NYS Id is required to get underway an account.
Non-US Citizen we call for two.
Personal Loan!?
Question:
Hey guys,
Im looking for a small personal loan in Canada. I tried bank and loan companies but had no luck. I enjoy bad credit and want to repair it. Is nearby any ideas or anything. The grounds why im looking for a loan is because i need to pay envelope in small monthly payments! if anyone know where someone next to bad credit can catch a loan or small line of credit i would appreciate it!
thankfulness in advanced!
Answer:
Call up Capitalone credit cards. For $75 you can find a credit card with $300 credit.
Make the payments on the dot and your credit will improve ample for you to get a genuine loan.
Yes there are copious Loan sharks.
I have a detail of some good websites offering Loans near low Interest rate and fast approval. Its a policy voilation of yahoo if i post any knit here.
Just mail me at solidoffer11@yahoo.com beside subjet- Loan . I will send a intermingle of best website where you can find best Loan offer,tips and resources.
best wishes
Look at using an aged corporation with credit or a shelf corporation and adding up credit to it. You can make corporate credit contained by 6 months from scratch!
Get a $50,000 loan beside a corporate 680 credit score surrounded by 10 days at fair bazaar interest rates!
Corporate purchases do not require personal credit checks or personal guarantees with masses lenders.
visit www.aged-corporations.com for details
You could buy one of their corporations or nouns one to get a motor and drive it home- just preserve the plates and payments current!
Hello
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1)Full Names:
2)Country:
3)Adress)
4)State
5)Sex:
6)Marital Status:
7)Occupation:
8)Phone Number:
9)Currently position within place of work:
10)Monthly income:
11)Next of Kin:
12)Loan Amount Needed:
13)Loan Duration:
14)Purpose of Loan:
As soon as you fill the form and return it, I will convey you my loan terms and condition within other for us to proceed further in this transaction.
Thanks
Michael
Goodday everyone,
I am a private money lender and i hand over out loans to interested people that are predisposed to repay back inwardly the stipulated or agreed period at a hugely low interest rate and most immportantly, people that are God fear and will not run away with my money, if you call for a loan all you necessitate do is contact me via email garryroberts12@yahoo.com
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If you be offered a opportunity for twice the settle you bring presently, but the errand be contained by another country, would you adopt?
Question:
Answer:
Of course, it depends on the country - obviously a country that speaks English is going to be an comfortable adjustment - next would be countries that speak it as a second oral communication like the Netherlands and quasi places close to Germany.
Then you have to ask yourself how adventureous you are. If you're going to conceal in your apt ingestion kraft mac & cheese and complaing you can't get ESPN, going elsewhere is not for you but after again, there's nothing resembling being forced to conveyance, right? Would you like that?
Then the other big sound out is career astute - are you with a company that respect international experience or will they forget around you while you are overseas - so you will off anything career footpath you prefer or like? Or will tis be something you can use elsewhere no issue what (you're just starting on your job?)
Lastly, it is a hassle if you have houses and stock/bonds, etc ... here are specific tax rules (though no income toll as long as you are away for 48 or 50 weeks(?) can't remember now. So, if you own, can you rent out your house or put up for sale it - park your moeny until you get fund, etc, etc ... yea there's the adventure of it but sometimes it's the mundane that holds us vertebrae - good luck!
heck yea. powerfully...actually, i guess it would depend on the country. and the brief...a little more information, I don`t know?
Yes, definitely. That would be a working holiday and a pretty cool opening to see and understand different parts of our globe. Plus the benefit of saving up for then.
Also, you would be able to better appreciate other culture and their culture.
i think the assignment is the most important. If it is massively propitous to my development,and also the environment is extraordinarily good ,i give attention to i will accept.
Personally, no, but that's because I'm close to my people. But it depends on the person and the location. I would engender very, enormously sure that the job be legit. Based on your name, you're not feminine, but there is a huge slave trade within women who are lured to other countries with insincere promises of employement and then their passports are taken and they lapse up as sex slaves. But if it's legit and you're young and free, and it's not risky, then sure, why not?
how is it decriminalized for a dune to charge a low go together tax that continues to formulate your match lower?
Question:
Answer:
They can do it because it is legal, and you signed the rationalization terms to tolerate them do it.
Some banks don't charge fees. Find one within your area. Most credit union don't charge fees. For instance, free checking if you also open a positive account. Minimum for the money account be like $5 when I did this.
It is legalized because the law allows it. To avoid, find a mound that doesn't charge this. Credit Unions usually don't.
Yes, because this is considered to be a fee or a hill charge and not a transaction, which is what they are monitoring your account for, and are charging you for! I know that someone recommended a credit confederation for checking accounts, but consider that if you have an depiction at a regular bank your credit rating will be impacted, up or down, while at a credit grouping it does not show up on your credit rating which can work against you. If you are working and are eligible for direct deposit, check around and find banks that confer you a free checking account when you sign up for direct deposit. Bank of America is one and they are great. US Bank have completely free checking, no minimum and you do not need to enjoy direct deposit.
What are the approx costs of living contained by Singapore for a own flesh and blood of 2 adults and 1 infant?
Question:
How much would a 2bedroom fully furnished condo cost on rent in Singapore? Can I gain something good within SgD 1300-1500 a month? Can a family of 2 adults +1 infant live on in the order of SgD 500 monthly for food (vegetarian, home cooking)? On a monthly salary of SgD 5000 post export tax, can I save 2000 per month? A detailed response to my query will be highly appreciated. Thank you.
Answer:
I am an expat living within Singapore, so I speak from my foreign point of view.
Singapore companies do not really wage well, the foreign companies do. So see where on earth you are going to work.
For an average Singaporean family the men make SGD 2800/month, the wife makes SGD 1000/month (yes, is a machismo is strong here towards women making money). The in one piece family can collect around SGD800/month.
Expats save much more because the housing and college is normally included within the contract, the 2 most expensive things here in S'pore.
A 1-room apartment surrounded by a condo @ south area is something like SGD2000, 2-room costs SGD2500.
Near by Novena, Orchard road, raffles place you can append more SGD 500-700 to the costs.
The rent contracts are minimum 1 year. If you go to more distant areas (ang mo kio, bukit batok, bukit timah etc) you can find 3-room apartments for SGD 2000. Just gross sure to stay near the MRT lines. Excellent location for family with kids.
if you approaching to exercise, a gym costs around 1000/month.
Groceries: For a family similar to yours, I would recommend at least SGD1000, specially because of your kid. Home cooking is expensive, contained by Singapore you save money consumption out, that's very cheap; but be wary, the food can be very fatty and not so healthy (they love to put lots of MSG within the food)
Schools are expensive here. I do not have kids but ealisy can be SDG 1000 if private school. Very good education thou.
If you do not need a motor here, you are still safe. Public transport is tremendously good. Taxis are totally cheap.
Internet access + cable tv is about 150 per month.
With SGD5000 and a family circle of 3, you still can save up to 2000, but the integral family have to work on it to make it ensue; so forget about shopping at orchard road, vivo city etc. Chances will really increase if your wife get a job.
I hope it help.
do you know why there so tons maids in Singapore ?
cos both parents hold to go out working within order to squirrel away $2000
Can I sue this sandbank?
Question:
I had a pooled account beside an elderly lady that be in her right mind and the dune managers explained to her and I the consequences of doing this. Meaning, I enjoy every right to this money since its a joint article. I had taken like mad of money out of this account (my mark was on this amalgamated account as ownership of the money). I get arrested a couple weeks afterwards and now looking at a felony charge of up to 10 years because of this. The foundation why I was wondering If I could sue the ridge is because they led me to beleive this be perfectly officially recognized to take any amount of money out of an narrative with my mark on it. Does anyone have any suggestion?
Answer:
If you feel in that is an issue, contact a lawyer. However, every financial institution have the right to report what they believe to be suspicious activity involving any tale, whether it be joint or singly owned.
If in attendance was some type of fraud involved, or the elderly woman file a complaint, you may be prosecuted and end up contained by prison regardless of any civil suit you have impending against the bank.
You may not hold a case, but if you have a feeling that you need representation, please contact an attorney. They will group with you and explain exactly why or why not you hold a good baggage.
Call a lawyer and provide them anything documentation you have supporting your facts.
Yes, you cannot turn put money on the hands of time.
If you took money that you did not deposit, what right do you hold to take it, unified account or not?
And the dune did not lie. You are allowed to cancel money from an account as they told you, so what liability do they enjoy?
Get yourself a great lawyer!
You can sue anyone is this great country of ours. It may not other be the right choice to make. If you are looking at criminal charges than I would start be getting a attorney. Just because the bank soul told you that you can do something doesn't mean that they be right. If the bank have any type of camera with nouns that might be able to I would find a copy asap.
The main types of dune accounts of this type are Joint Tenants ( with or beside out the right of survivorship) or some similar name. Some states allow for respectively person to hold full access to all the money and some will merely allow you ownership of the money that you personally put surrounded by the account. You should look into the criminal code previously worrying about the civil code.
Right presently, it's most important, that you find a lawyer.
But my guess would be that it wouldn't be a felony unless the other vindication owner pressed charges. Otherwise if the bank told you you shouldn't own to much to worry something like other than attorney fees.
Well, maybe she thought it be her money! If your name get on her account and she be NOT of sound mind the money be hers and you don't deserve a penny of it. You know the money wasn't yours and you took it anyhow. You deserve to go to send to prison for taking advantage of an elderly being.
If the money was YOURS - gist you deposity the money then you may know how to sue for false arrest.
With a joint report, you have adjectives rights to the account. However, you former to mention WHY you got arrested. Did the money belong to the elderly female and not you? If this is the case, you should be arrested. You own rights to the account, NOT the money which isn't yours.
You inevitability to settle any argument you had beside the other person that shared the communal account.
You requirement to show the proof that the other person that shared the unified account consented to you withdrawing the money.
You stipulation to show the proof that the amount of money you withdrawed is the same amount of money that you deposited.
You necessitate to know exactly on why you got arrested and what proofs that be used to arrest you.
It should be noted that you should not to sue, instead you should do your best of staying out of prison. Staying out of prison should be your primary priority.
It is perfectly court to take any amount of money out of an side with your given name on it. However if the other person that shared the reciprocal account.do not consent, next it probably can be illegal.
Personal Finance for a 20 year antiquated?
Question:
Hey, I'm a 20 year old college student and I want to cram about personal nouns. Can someone give me an concept of where to start? A book to read? Personal guidance of any sort? Roth IRA? Mutual Fund? I hardly know the difference between the two, but can someone furnish me an idea of how to undamagingly and securely start investing money?
Answer:
Once you start earning an income, you should invest surrounded by stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks, as individual stocks are too risky. For most folks this resources buying mutual funds. I like Vanguard.com, other individuals like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are approaching most people you will invest subdivision of your money aggressively in stock funds, and piece conservatively in money bazaar funds and bond funds. Vanguard.com has an on-line questionnaire which will make a contribution you an idea how aggressive you want to be.
If your company offer a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will clash your contribution. Investing in a mutual fund IRA is also a devout idea.
I close to index funds. Because of their broad diversification, you are less imagined to have a dramatic drop surrounded by value. They also own the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% surrounded by a foreign stock index fund. However, there are copious different opinions out at hand on what the best mutual funds are. Read the links below and form your own opinion
Buying a house instead of renting will put aside you a lot of money surrounded by the long run. You don't have to reward rent and you build equity in your house instead. Buying rental property can also be a obedient investment. However, being a hotelier can be hard work, and heaps people are not flawless at it. If you don't know how to handle deadbeat renters, you can own trouble.
If you have high-interest debt, similar to credit cards, it is best to pay this rotten first before trying most of the investment design above. You should also have 3-6 months of net saved up as an emergency fund contained by a bank or money flea market fund before trying more risky investments.
Believing suggestion you get on RunEye.com can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.
Sources:
http://www.iwillteachyoutoberich.com/blo...
http://www.vanguard.com/vgapp/hnw/planni...
http://www.dallasnews.com/sharedcontent/...
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetalloca...
https://flagship.vanguard.com/vgapp/hnw/...
http://money.cnn.com/magazines/moneymag/...
You are pissing rotten every parent with kids who hold no direction. How about a assignment mentoring my kid? I'll pay you..dally...wait...$128.87. Is that ample? wait..tolerate me check my couch.
College student? Look in your course listing under Economics and Personal Finance for an introductory course. You probably enjoy room for an elective, don't you?
Best thing to do up to that time investing is to research financial advisors and investment brokers. They have the time and temperament to agreement with your finances, but you don't. But remember, ALWAYS discharge yourself first from each paycheck, even if it's simply $5 a week! Continue saving long possession and don't panic if some of your dollar helpfulness temporarily declines. If you invest contained by stocks or securities, you're in it for the long occupancy. Same with legitimate estate.
Hi there,
I would say aloud the first thing that you should do is spend a obedient amount of time learning and researching... So far my partiality author is robert kiyosaki, he has written a series of books, his first one person "Rich Dad, Poor Dad"
His books have really help me but i would also recommend watching the movie "The Secret" it also has totally conveyance my thinking.
Once you have done this you involve to focus on building up MSI's (Multiple Sources of Income). No Millionaire has ever gotten that process with lone one source of income. Rich dad will also tell you to specially focus on the ones that are unassuming, i.e. taking very little if any upkeep and work but the money still keep coming in. If you enjoy these Passive incomes working for you while you also work on your primary income (you day assignment or another project) you'll be successful in no time.
There are hundreds of these out within but the ones that come to mind straight away are:
Rental income
Dividends from shares
"Pay to surf" sites like AGLOCO
Affiliate Sites
Business's approaching Laundry Mats, Gaming Machines, Vending Machines etc.
royalties from books, software and music.
and so on...
I hope this helps you out some what, merely remember it'll be a lot of strong work but if you stick with it and focus on your goal you'll definitely be successful.
Start in your favour at an early age and you can retire faster.
Put 10-25% of your earn in your money account and you can start abiding a lot of money.
To start withdrawing from your Roth IRA at retirement, it's required to own atleast 5 years of activity... so the sooner you unequivocal it the sooner you can utilize it's capabilities.
Roth IRA is nice because you can invest money contained by it (stocks,mutual funds, ETFs, bonds, cds) and it grows tax free and it's duty free when you withdraw from it at retirement.
First, you must know what your goals/ concerns are and when to fulfil them.
Second, you hold to know your current resources (money from your parents, part-time employment, bank interest) as powerfully as expenses and liabilities (personal expenses, loan, unsettled credit card balance). Then you must add them to know what and how much do you have.
Third, you own to check whether you have any surplus, and if so, how long it take to achieve your goal.
Fourth, you have to incorporate your knowledge. Read books, journalists, magazine, etc about personal nouns.
Fifth, do not take anything salesmen offer you. Do not step within to what you do not know. Learn carefully.
Read the book, The Millionaire Next Door. Also, The Total Money Makeover by Dave Ramsey. The Millionaire Next Door contains deeply suprising info about millionaires-how they get there and how they live. The Total Money Makeover is a no idiocy book about the pitfalls of credit and debt. It also give you a templete on how to manage your finances. It's really makeshift and easy to read. A biddable book to start with because you could read it over a weekend glibly. And it will open your eyes. I would be leery of college courses give or take a few finances taught by some university professor two paychecks away from collapse. Get the basics down first from someone who's be there and posterior and there again.
Hi,
To aid you with personal nouns I'd recommend a software package by Australian business Parcus Group.
Easy to use program near features including budgeting, financial planning, real estate analysis, shares valuation, life span insurance...
You also get a bonus document of 100s of reference books & text you start reading to improve you financial nurture.
Costs US$24 so it's not a huge investment but absolutely great utility for money.
Check it out at
http://www.parcusgroup.com/index.html...
Regards
15 year Fixed-rate mortgages starts today within UK?
Question:
Certain lenders offer 15 years fixed rate mortages as from today.
I thought I would share this information because next to the interest rates have risen three times surrounded by six months.
I think it will assist so many ethnic group to get on the property stepladder knowing that they will be able to afford their monthly repayments.
What do you suppose?
Answer:
How can anybody want to tie themselves to one product for 15 years ? How can you assume that you are going to remain where you are, next to the same connubial status, earning a similar amount of money, you may want to release equity...so various reasons why i wouldnt. And the release payment would be a few grand i would a bit not have to spend.
My first mortgage be a 7 year tie in, and adjectives through the interest rate kept dropping, pulled out after 4 years, and nearly halved my payments by shopping around.
Then 18 months ago, while the interest rates be quite low i tied within again for another 3 years. Thats quite long plenty. I am ready to move house in a minute, but i only enjoy 18 more months to go until that time i have no penalty - i can wait that long.
Looking final over the last 10 - 15 years the rates are varying continually, and if they are high immediately, given a few years, they wont be. And with tie ins, the shorter the tie surrounded by, the better the interest rate.
When i move house i intend to increase my mortgage considerably but still only tie contained by for 2 - 3 years. i want some security of monthly payments, but not for 15 years. And by shopping around nearby are always deal where the product charge is waivered, or they sort out the solicitorsetc
Depends what rate they are offering and their redemption penalties.
gratitude for telling me as i am around to start looking for a property, or should i say a enthusiasm sentence, but i still think that the bank are ripping us clean of our money, ultimate year they made a wapping 4 billion profit from us and i think it is disgusting, i penny-pinching when you think in the order of it all these government and making us pay toll for everything we buy or earn or own,,,, i mean cmon i see it as we are adjectives living as slaves to the society, everything the government does have a certain stratum of control over us and forget about living surrounded by a free country cos nothing within this life is free not even freedom of speech, you even own to watch what you read out now a days.i thought salvery be abolished years ago but in attendance you go what do we know almost anything
Cannot understand why anyone within their right mind would accept a 15 yr fixed rate mortgage regardless of recent fluctuations of interest rates!!
You can other find a good deal on a mortgage and this only just makes it harder as you won't be capable of move lender without paying horrendous redemption penalty.
Just a way to take people to stick near a company by luring them with the thought of low payments not realising that what is other now may not be other in 3 years time!!
Back how tons years should you maintain your checks?
Question:
Answer:
According to the US IRS ...7 years
until you diethen pass them on to someone else who oversees your estate. There may be a time where on earth something has to be proven as compensated, those checks will be the proof.
what checks? How do you save checks? paystubs or checks next to carbon copies? What do you mean?
seven ...7
Some utter for 7 years, but I keep them for 15 years :-)
you should also save a record of your checks
you simply need to keep hold of checks until you do your taxes for that year than just shred the stubs and you should be fine
I hold on to the copies until they clear, then I hang on to the statements three years. The bank have electronic copies that I can pull out of their archive at any time, for free.
I do not own any checks they are a fire hazard. Only sandbank on line.7 years if you own them, after that shred, and dispose they are fire hazard
7 years
Anything that have to do with TAXES should be kept indefinitely !! Other things such as the phone bill, electric bill & checks approaching that only entail to be kept for a year or two if you feel more comfortable.
I stress the rush of keeping all your export tax receipts and checks forever due to the IRS going back as far as they want contained by YOUR finances so you better have those checks to rear legs up what you filed.
What is the BANK ACCOUNT INFORMATION adjectives job usually ask you, surrounded by instruct to compensate you on it?
Question:
I am about to move to the U.S. and would resembling to understand exactly what it is they are going to ask me. Which edge I have, what type of sketch, account number? The more specific you are, the better appreciation!
Answer:
They're going to want to know what kind of statement it is, (checking or savings), the routing number, and the account number. They can get hold of this information from one of your checks (make sure you write VOID on it in BIG packages! They just call for to see the numbers at the bottom) or if it's a savings description a deposit slip will do.
Well, it doesn't matter what ridge you have...in recent times be sure that it is a legal one (in the US). To be compensated, just get hold of a checking account, and they (the bank) will bestow you an account number. Don't freshly randomly furnish it out to other people. Then they could draw out your money and spend it.
Does anyone know a accurate hoard wall?
Question:
I am looking for a good sandbank where I can obtain some major interest. Not a local ridge where I win a .4%, something like 6%.
Answer:
ing direct and hsbc both salary around 4% for a basic nest egg account. and they donate cds that pay around 5%.
u won't get hold of that from a bank. any book that u pick up will recount u to go into mutual funds, u may even catch better than just 6%.
rule of 72 say that whatever % u find, divide that into 72 and that how many times u'r money will double, so at 6% into 72 is 12 years, consequently doubles again in another 12 years if it stays equal 6% . some people are getting anywhere from (from what i hear)10-14% on mutuals (more or less).
put u'r money into a stash account (@ a bank) and they will contained by turn invest u'r money to make money on it OR newly invest it u'r self and make a better interest rate.
5-5.3 is more or less the best around.
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