Finance Guidance

A CD (Certificate of Deposit) is available at very low interest rates at the present. The amount received will not even keep up with the low rates of inflation the government throws at us. CD rates vary according to how long the money will be tied up. If an early withdrawal is made, a month’s worth of interest can be lost. Since not much interest is being delivered, this is a large loss. Sometimes more than one CD should be purchased in case of a situation where one must be redeemed.

A CD is a time deposit. If you are promising the bank to let them have the money, for example, for a year, then they assume it is not going to be taken out during that time span. The CD is guaranteed against loss by the FDIC (Federal Deposit Insurance Corporation), a government agency, created way back during the Great Depression of the 1930’s.

The highest CD rates one could expect is about 2.5% and this is for having money tied up for 5 years, hardly conducive to getting rich and retiring early. CD rates for 6 months will return around 1%. If money has to be “parked” for a short time, a CD is a good financial instrument. For those with little money to risk, a CD can also be a good investment. (continue reading…)

In this world, one can not give guarantee for anything, but there are some banks and financial institutes that give you guaranteed bank accounts. It means these accounts are open for every citizen of United Kingdom and that despite of their any credit issues. People stuck in any kind of credit dispute like bad credit, IVA or bankruptcy can apply and acquire this banking facility anytime they requires.

These guaranteed bank accounts do not come alone as it comes with various banking services. Such as:

• No credit check is the key feature of this service. Even people having poor credit can open new account in a bank without any restriction.
• Your account will be managed by personal account manager that help you to handle your funds in the most appropriate manner.
• These accounts also allow you to set up standing orders and payments in order to pay bills and other financial commitments on time.
• Online and telephonic banking services are also offered by these accounts (continue reading…)

With the prosperity of the financial market in recent years, financial advertisements play a more significant part in the economic world and gain more attention of the researchers. This paper is a tentative study conducted from the linguistic Adaptation Theory, combined with Appraisal System, in order to explore the fulfillment of the persuading function of financial advertisements.

We adopt a qualitative analysis and a case study is used to support the analysis. Since power relation exerts a great influence on the linguistic choices and the achievement of the communication, this study starts with the analysis of the power relation between the advertisers and the potential customers. It is found that the advertisers are more on the active end of the power scale of knowledge about products and the potential customers are more on its passive end in that the status of the advertisers and the potential customers are unequal in terms of knowledge about what is advertised. Making full use of his higher status in the power relation of professional knowledge with the potential customer, the advertiser exposes his attitudinal meaning or attitudinal evaluation of the products and/or services to the potential customers so as to achieve the purpose of persuasion.

Based on the Adaptation Theory by Jef Verscheren, the present study is conducted to interpret the fulfillment of persuading function through the adaptation to the social world and the mental world in the financial advertisements. The social world is mainly adapted to from the aspect of Attitude and the aspect of Graduation, which are explored in terms of the power relation in light of Appraisal System. The analysis shows that the adaptation to the social world is made by adopting the attitudinal evaluation on the financial product and service and on the purchasing behavior, both of which are overwhelmingly positive but negative at times. (continue reading…)