Selon F-Secure, le ver en question redirigerait les utilisateurs sur une fausse page Web imitant la banque ING Direct.

La page Web est hébergée en Lithuanie sous l’IP 92.61.38.16.

Le ver n’est pas très répandu, mais il est beaucoup plus dangereux que le ver Ikee.

Cela concerne les iPhones Jailbeakés dont le mot de passe par défaut n’a pas été changé.

Author: Donny Fonseca
Source: ezinearticles.com

In case you haven’t heard, saving is back in, hrsaccount, fashion, hrsaccount, . If you have, hrsaccount, gone to, hrsaccount, the, hrsaccount, bank and look at their interest rates, it is as if they do not want you to save. With paltry interest around 0.1 – 0.3%, one will not be motivated to save more than they are motivated to stash their money underneath their beds. Fortunately, things have taken a turn – to your favor.

As a young student, hrsaccount, or fresh grad,, hrsaccount, you know that it is, hrsaccount, important to save but you’d rather invest in higher risk investments that give you more returns in view of the low interest rates offered by banks.

However, most young, hrsaccount, people never gotten around to save and hence do not have the savings for, hrsaccount, investments, even if they want to. If the motivation to save is just what you need to get started, consider enrolling in a free internet, hrsaccount, savings account.

Unlike a normal savings account, an internet savings account can give you up to 8, hrsaccount, times the national average savings return. For example, E*Trade is, hrsaccount, offering APR and, hrsaccount, ING Direct’s rates range, hrsaccount, from 2.

75% to 3.25% depending on your account balance. Now you see some sense, don’t you?, hrsaccount, There is no minimum balance to maintain unlike some brick and mortar banks who charge you a fee for not having the required balance.

If you are keen on investing your money, you can link your E*Trade, hrsaccount, savings account to your E*Trade trading account that lets you buy stocks and trade. This can work two ways as even though your money is not sitting in any form of investments, they continue to make money for you in your high yield savings account.

Rest assured that you do not need to be a trader to open a savings account with E*Trade.

The reason why these online banks are offering such high rates is because, hrsaccount, they, hrsaccount, do not have to spend money maintaining branches, hiring staffs, pay for utilities and printing costs. In that sense, they pass on a fraction of that saving back to it’s customers to encourage, hrsaccount, them to save. As a young person, you’ll even prefer their online banking business model such as paperless online statements,online, hrsaccount, bill payments and online funds transfer rather than the usual physical banking procedures, hrsaccount, .

Some online banks provide their users, hrsaccount, with an, hrsaccount, ATM card for easy withdrawal, but most, hrsaccount, do not., hrsaccount, That is why you need to link, hrsaccount, your current, hrsaccount, savings account to your online savings account to deposit and withdraw money using the funds, hrsaccount, transfer facility. If you know you need some money for, hrsaccount, upcoming events, just transfer the money from your online bank to your usual account. On the other hand, if you have some money to spare, transfer them to the online high yield account to enjoy higher returns.

Talk about flexibility and value!

Do not take your age as an excuse to delay your saving efforts. The smart thing to do is to save now so you’ll end up with more money later. High yield online banking will help young people to get away from their ’spend now, worry later’ mentality as it reward the good habit of saving. Currently, E*Trade is the leader in providing the, hrsaccount, most competitive rate to its customer. Get your free high yield online savings account in a flash and start saving right away.

There is no reason why you can’t start saving with high interest rates now. Visit http://www.etrade-us.com if you are ready to learn more about how to Earn a High Yield with a complete savings account.
Banking Online

I’m not sure how many of you are left that don’t have an ING account, but if you don’t and you’re interested in earning $25 by signing up and depositing at least $250, click here to use one of my referral links.

The recession might have ended, but we are still a long way from recovery.  Back in July, we wrote about some of the better online savings options that were available.  We hope that you took advantage of those “high” interest rates then, because since then all the institutions covered have reduced their savings interest rates.

Here are the current rates (APY) as of November 1, 2009:

• Discover Online Savings – 1.85% ($500 minimum deposit required)
• American Express High-Yield Savings – 1.70%
• HSBC Direct Online Savings – 1.35%
• ING Direct Orange Savings – 1.30%
• Emigrant Direct American Dream Savings – 1.30%

There are, however, still a few institutions that offer interest rates over 2.00% APY, such as SFGI Direct’s Online Savings at 2.25%  with a $500 minimum deposit and ShoreBank’s Direct’s Online Savings at 2.15% with a $1 minimum deposit.  These places may be unfamiliar to you, but rest assured that they are FDIC-insured.  So if you haven’t started saving yet, start today before these interest rates fall as well.

If you have already opened a savings account and are discouraged by the falling interest rates, remember that your money still worked harder for you sitting in a savings account and collecting some interest rather than in a checkings around collecting no interest.  And nothing is standing in the way of closing your current account and opening a new one with a higher interest rate.  Happy Savings!

We usually focus on ways to save money regularly and automatically on this blog. These ways can be accomplished easily in the pay-yourself-first fashion of going to your employer and setting up a 401k and a paycheck-by-paycheck debit that goes to an account with someone like ING Direct, T Rowe Price or a savings account of some kind. We always recommend you do your own research on “where to land money” for savings and investment.

However, if you are seeding an emergency savings fund, we always recommend a money market savings account or certificates of deposit with an FDIC-insured institution.

Sometimes you need a little help to get your savings started or boost it up. If you are ready to try your hand with this, we want to help.

This blog entry looks at additional ways to BOOST SAVINGS with things you already have at your fingertips. Things you own. This blog entry is about selling things you currently have but are not using. You know we all have items in our homes that we have not used in a long time. Trade them for peace of mind. Boost your emergency savings.

Where do you sell such things? I guess everyone knows about ebay. What if you had a lot of different options to sell your old things? Would that be a game-changer that would allow you to really boost an emergency savings fund or start one?

Try these:

www.narts.org
www.half.com
www.secondspin.com
www.dealitlive.com
www.buymytronics.com
www.bonanzle.com
www.craigslist.com

If you are going to sell things you already own, you have to learn to be patient and know in advance what you will accept for any item. There are always negotiators (and you should always be one of them when you are BUYING), but boosting your emergency savings or savings in general by selling things you already own is a great way to build a little savings.
Just know what you want to get for your things and stick to your plan. And always put the money directly in your savings.

How much emergency savings is enough? 15 to 18 months of expenses. No, you won’t get there all at once, but hang out with us and we will continue to show you ways to can enhance your savings. You’ll get their faster than you think.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Dans son article, Les CPG: une bonne option d’investissement, l’auteur, Brenda Bouw, recommande à ses lecteurs d’investir dans des CPG.  Probablement ici le véhicule de placement le plus idiot à investir à la veille d’une hausse majeure des taux d’intérêts.

Dans son article on peut lire que le président de GICDirect, à Victoria, recommande qu’un investisseur qui a 50 000$ à placer le fasse de la façon suivante.  10 000$ dans un CPG échéant dans un 1 an.  10 000$ d ans un CPG échéant dans 2 ans. Ainsi de suite.

Faut vraiment penser qu’à ses fesses pour recommander cela à un investisseur.

Avec l’inflation qui s’en vient en Amérique du Nord le CPG est la dernière place à investir votre argent.

J’ai été ce matin vérifié les taux qu’offre ING Direct sur les CPG.

Les voici.

Placement garanti (CPG) – 1 an    1,25 %
Placement garanti (CPG) – 2 ans    2,00 %
Placement garanti (CPG) – 3 ans    2,25 %
Placement garanti (CPG) – 4 ans    2,25 %
Placement garanti (CPG) – 5 ans    3,00 %

Donc si on revient à notre bozo qui aurait écouter la recommandation de l’autre clown voici le rendement qu’afficherait avant impôt les CPG placé aujourd’hui de la façon mentionné plus haut.

1 an.  125$
2 an. 200$
3 ans. 675$
4 ans. 675$
5 ans 1500$

Ainsi dans 5 ans, l’investisseur aura reçu 3175,50$ sur ces CPG de 50 000$.

Bon sens, voyez vous qu’il y a du monde qui rient de nous dans l’article de madame Bouw.

Il y a des façons plus intelligentes d’investir 50 000$.

Prenez par exemple le fond Yellow Pages Group à Toronto ( YLO.UN ).  Il verse 0,0667$ par part par mois.  Ainsi en date d’aujourdui, 50 000$ investit dans YLO.UN permettrait d’achetet 8 780 parts de YLO.UN.  Chaque mois l’investisseur recevrait 588,26$ en versement de dividendes.  Sur 60 mois ça donne un versement de 35 295$.  Oui 35 295$ vous avez bien lut.  Soit 10 fois le rendement de votre 50 000$ répartis dans des CPG sur 5 ans.

Bien sûr il n’y a rien de garanti.  Ce dividende peut être amputé et les parts de YLO.UN peuvent s’effondrer.

De un les parts se sont déjà effondrées.  De deux YLO.UN a de bonnes liquidités car elle a de bonnes entrées d’argent.

Il y a d’autres véhicules de placement également qui peuvent rapporter presqu’autant que YLO.UN et qui sont moins risqués.  C’est le cas du  fond BMO Revenus mensuels de la Banque de Montréal.

Aussi, l’impôt payée sur des intérêts sur CPG est plus élevé que l’impôt payée sur des dividendes.

Souvenez-vous qu’un CPG, certificat de placement garanti, ne garantie qu’une chose.  Que celui qui vous vend le CPG s’enrichiera davantage que vous.

Les CPG sont un bon placement lorsque les taux d’intérêts sont élevés et que ceux-ci auront une tendance à long-terme à vouloir baisser.  Dans la situation actuelle, c’est l’inverse qui est envisagé.  Les taux d’intérêts sont au plancher, ils ne peuvent que remonter, c’est donc pas le temps d’aller dans les CPG.  Vos intérêts seront mangées par l’inflation et les impôts.

Allez, soyez plus intelligents dans vos placements.

The bond is up by more than 22 points in the last few days.  We have already seen some movement at the bank level, and expect to see movement early next week if the bond stays where it is at – see links below.

Are you pressed for time and with fixed rates rising, please call me today to find out about locking in a rate for 120 days.     It only takes 2 minutes (time is guaranteed) to request a Rate Hold*.

* ”Rate Hold”:    this is not a mortgage pre-approval application.   On applicant’s request to proceed, with the rate hold offer, all applicants are required to complete a mortgage application.  The lender reserves the right to either accept or decline, any applicant, based on their review of the applicant(s) submitted mortgage application(s).  This review involves the verification of personal credit report history and verification of income.

See link:  http://www.stockwatch.com/newsit/newsit_newsit.aspx?bid=Z-C:RY-1650239&symbol=RY&news_region=C

See link:  http://www.tmxmoney.com/HttpController?GetPage=BondsAndRates&Language=en

This blog post was written by Elizabeth Blair on October 12, 2009.  Elizabeth Blair is a Licensed Mortgage Agent with Mortgage Edge in Richmond Hill, Ontario.  Elizabeth services mortgage clients in Mississauga and all over the Greater Toronto area.   You can contact Elizabeth directly by phone at (905) 510-5785

by email at eblair@mortgageedge.ca

or you visit her website at:    www.missmortgage.ca

Elizabeth is licensed with the Financial Services Commission of Ontario and is also a Member of IMBA (the Independent Mortgage Brokers Association of Ontario) www.imba.ca

Lic # M08005880 / Brokerage Lic # 10680

Head office is located at:  15 Wertheim Court, Suite 210, Richmond Hill, Ontario, Canada.

If you’re interested in receiving a free $25 bonus for opening either a checking or savings account, click the link below and open a new account (new customers only) with a minimum of $250. (I will receive $10.)

If you’re interested, click here for links to open an account.

Its called saving.

And with the help of a wonderful little website it’s now so much easier to do! and not only that but you can actually MAKE a bit aswell.

Heres the deal, everyone wants to save but most people never do, well thats because you spend all the money you earn and then expect to keep whatever you have left which, guess what, is usually nil. SO lets flip this concept on its head and pay ourselves first, as soon as you get your paycheck IMMEDIATELY put a portion of that into a savings account. then its out of sight and out of mind and before you know it you have more money saved than you ever thought you could!

Now to make this really easy check this out: ING DIRECT

this website has a variety of accounts all with no fees, no costs, no limits and no charges along with automatic withdrawl from any bank account in Canada. What does that mean? its the lean mean savings machine! for example I save 200$ every two weeks in hopes that one day I will be able to afford my own home and with an interest rate of 3%! thats going a lot further than any other bank here in Canada!

So how do you get started? it takes five minutes, its easy and they even pay you to!

Step one, go to the website www.ingdirect.ca and sign up for an account (the TFSA is great)

Step two, enter this code to earn both you and I 25 bucks! Orange Key : 33894119S1.

Step three, mail in a cheque for at least 100$ from your regular bank account to link the accounts

Step four, refer your friends and ING will pay you up to 2000$ for 50 friends!

its too easy, so stop complaining about being broke, save your money and make a little too!

|A|

Y es que el corredor asturiano no sólo es único en las pistas. Un viral de Ogilvy Madrid para la holandesa  ING Direct, que con cerca de 200.000 visitas en 2 días,  sirve de pistoletazo para su campaña de apertura de oficinas: nosoloabrimosnueces.com. Podéis verlo aquí

Sign up for an ING Direct savings account and recieve $13 free when you use the following Orange Key:

19773740S1

Good savings!

http://www.ingdirect.ca/en/

La nueva campaña de Ing direct tiene a Fernando Alonso como protagonista,  el cual es capaz de abrir una nuez con el cuello. Como era de esperar, es una campaña viral para decirnos que a parte de abrir nueces también están abriendo oficinas.