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Private investors and individuals who manage their own money have many structural advantages over large fund managers. Here's what they are and how you can profit.

The global bond markets have come under increasing pressure recently, amid growing calls for investors to short bonds. Is this a foolproof trade?

Sovereign Bank is offering a rich deal to those who are interested in opening their Premier Checking and Money Market Savings Accounts. They'll give you $150 and guarantee 1.5% APY for three months.

Most savings and CD rates hit record lows last week, except for the 5-year CD, which continued to show gains in yield. Average savings rates reached a new record low of 1.46% APY, down 1 basis point from 1.47% APY the previous week. Average one-year cd rates fell 3 basis points to 1.82% APY. Average three-year cd rates dropped two basis points to 2.61% APY.

Occupancy and use of real estate indicates the progression of the economic health of an area. When few commerical spaces are occupied, there are few jobs. When more houses are undervalued and vacant, this indication is recessionary.

The average rate on a 30-year fixed mortgage rose for the first time in four weeks, moving from 4.98% to 5.01% according to data from Freddie Mac. This differs from the BestCashCow rate tables, which show average 30-year mortgage rates dropping slightly from 5.068% to 5.017%. This divergence from two different sources indicates a flat or undecided market. Mortgage rates have vaccilated around the 5% range for the last three weeks.

Credit cards do not have to be evil. However, it is vital to use them responsibly so you do not get into financial troubles.