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How to Decide Whether to Open a Shorter or Longer Term CD
Wondering whether to open a long-term CD and get the most yield, or a short-term CD and hope that rates move up? It's a question I get asked all the time. While there is no absolute answer, there are several factors to consider that may help you make a decision.
Posted on April 13,2012 by
The Factors Lenders Use to Evaluate Your Mortgage Application
When banks evaluate your application for a mortgage, there is a rough formula they use to determine how credit worthy you are and whether to approve your application. Understanding this formula can help you strengthen your application and increase your chances for getting the loan you want.
Posted on March 30,2012 by
Comprehensive List of Mortgage Assistance Programs
It seems like every week the government is announcing a new program to help homeowners. To make sense of all of these programs, we've pulled them together and listed them below. If you are having trouble with your mortgage, or can't refinance your house, hopefully one of the programs on the list will provide you with some assistance.
Posted on March 08,2012 by
How Much of Your Money Should Be in Cash?
We all know the expression that cash is king. But with rates on savings, checking accounts, and CDs in the low single digits, the question is, how much of a king? How much money should an individual hold in cash?
Posted on February 16,2012 by
Top 10 Tips to Bank Online Safely
Millions of individuals use online banking as a convenient and fast way to manage their finances. Yet, many people also do things that jeopardize the security of their account information. If you decide to bank online, here are a list of the top ten things you can do (or not do) to help you bank more securely online.
Posted on December 06,2011 by
The Difference Between Banks and Credit Unions
On the surface, banks and credit unions look very similar. They both take customer deposits in the form of savings accounts, certificates of deposit, and checking accounts. They both also lend money in the form of mortgages, home equity loans, auto loans, and credit cards. They both have branches, electronic banking, and many of the services that facilitate the savings, transfer, and lending of money. But a deeper examination reveals profound differences that impact the rates that you receive as well as the customer service provided to you.
Posted on October 07,2011 by
Texas Ratio: Bank Ratio for Analyzing Safety and Soundness
The Texas Ratio helps assess the health of a bank. It compares the amount of loan risk a bank has by the amount of reserves and capital a bank has at its disposal to cover those losses.
Posted on June 17,2011 by
BestCashCow Research: Banks That Offer High Rates As Stable Or More Stable Than Their Peers
One question I frequently get asked when discussing bank rates is whether higher rates are usually offered by distressed banks. The thinking goes that distressed banks need to hang on to deposit dollars in order to maintain their liquidity. As a result, they offer higher rates in order to attract new money and convince depositors to keep money in the bank.
Posted on May 10,2011 by
The Treasury Yield Curve - Using it to Predict the Economic Future
Many investors wish they had a crystal ball to help them predict what will happen with the economy and their investments. What they don't understand is that something just like a crystal ball does exist - it's called the Treasury Yield Curve.
Posted on April 05,2011 by

Sol Nasisi

Sol Nasisi
Bio: Sol Nasisi, co-founder of BestCashCow, has over 12 years of experience in the banking and finance world. He worked at Bank of America where he was involved in a variety of product lines including online banking, deposit accounts, mortgage products, and home equity. He holds a particular interest in how digital technology can create more transparent financial markets for both institutions and investors. He received an MBA from the University of Texas at Austin and a BA from Tufts University. He is also a graduate of The Graduate School of Retail Bank Management sponsored by the Consumers Bankers Association. You can follow him on Twitter: http://twitter.com/#!/SolNasisi

Financial Video

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