With a Certificate of Deposit (CD), the maturity date is fixed as is the interest rate. CDs do offer a financial advantage in terms of assured returns and security via the FDIC net. However, you can't use the moneys before maturity. In case you opt for an early withdrawal, an early withdrawal penalty is levied. As an investor, your goal is to maximise returns, taking due factoring for liquidity as well. Based on your estimated cash needs, you can choose between short term and long term CDs. CD rates vary depending on the duration. A long term CD will offer you the highest interest rate, while a short term CD will give you a comparatively lower rates of return.

• Short Term or Long term The choice is yours, depending on your need for liquidity. Since early withdrawal attracts a penalty, it is best to assess your future cash needs before you make a CD investment.
• For short term goals like paying the downpayment for a home mortgage, buying a car or paying for a holiday, you can choose to invest in a short term CD.
• However, if you need a large sum for important commitments like your child's education or paying off a mortgage, a long term CD works best—it offers higher returns.
• Also, by choosing to reinvest the interest on a long term CD, you enjoy the benefit of compounding. This way, you earn a substantial interest. It is to be noted that CD interest is compounded monthly.
• The high return on a long term CD is shadowed by the risk. In the long term, interest fluctuations are pronounced. Though the interest rate is fixed at the time of investment, the real return from the investment (say after 5 years) would turn out to be less than your principal investment.

How To Balance Risk and Return

• Laddering your CD investment is the best way out to minimise the risk and maximise returns. When your ladder CDs, you open multiple CDs of varying tenures having staggering maturity dates. Example: instead of having a consolidate CD of one large amount, it is recommended to have smaller denomination CDs spread over years, say one year, two years and so on. This way you can ensure liquidity by utilising the CDs that have matured.
• Laddering ensures that you will not have to incur early withdrawal penalty. The short term CDs keep your liquidity intact, while the long term CDs earn you high interest rates.
• You can also adopt the barbell strategy. Under this kind of CD structuring, you invest only in short term and long term CDs. You don't invest in intermediate term CDs. This strategy helps to increase your overall yield.
• Choosing the right CD is based on your saving goals. A fine balance between liquidity and returns can help your money to grow optimally.

Are you a college graduate and are planning to take up further business studies? Then there is nothing better than an MBA degree from one of the best MBA colleges. MBA programs focus on delivering skills that are crucial for people who plan on making a career in successful business organizations or kick start their own business. An MBA program takes a lot of effort and money and you indubitable want to make sure that you get the best out of it all. While MBA programs are offered by most colleges and universities around you, earning your degree from on the best MBA colleges can be very beneficial to your career going forward: Exposed to the bigger picture: MBA is a degree that aims to show you different aspects of strategy, leadership, and other business requirements. The best colleges leave you with an advantage of experiencing all these factors from a bigger and wider perspective. These colleges have a tie-up and a deep understanding of what happens in the real world, thereby exposing you to the same. Meet successful leaders: The best MBA colleges regularly rope in successful leaders from the industry to act as guest lecturers. This enables one to get an insight into the practices of the corporate world and advice on the best decisions to take. Network building: Networking is an essential factor that will help you get yourself to be a part of the bandwagon. The best MBA colleges let you establish contacts with influential people and top corporate performers who can guide you in the future. Who you know is important and the college you go to can make a huge difference. Learn the real meaning of team leadership: Business management and successfully being able to be a part of a team requires that one is given the opportunity to do so. The best MBA colleges ensure that their students are put through same, with the aid of group work and letting collaboration with peers. They teach you the real mean of what team leadership is.

When it comes to scheduling appointments, automation is key. This is because manually scheduling appointments, sending emails, and managing the process can be a tedious and time-consuming affair. An automated software helps ease the process, making it cost-efficient and giving your staff more time to focus on more important things such as closing sales, talking to clients, and analyzing reports. Here are the top five software to help effectively speed up appointment scheduling. 

Appointlet
With Appointlet, you can easily customize your booking page and appointment schedule. You can then share the booking page with a prospective client, so they can book an appointment that is comfortable for both you and them. The appointment will automatically be added to everybody’s calendar after booking. With this appointment scheduling software, you can save time and easily automate your entire appointment system. 

Calendly
Calendly allows you to schedule an unlimited number of appointments across various video-conferencing platforms. It simplifies your appointment system by helping you customize your page and add timings that align with your schedule. You can then book the appointment and an email will be sent to both parties. Calendly also offers its users a 14-day free trial. 

10to8
With a cloud-based widget that offers easy integration, 10to8 helps ease down your entire booking process and is trusted by huge brands like Mercedes Benz and Expedia. This appointment scheduling software is completely customizable and allows you to set your date, time, type, and location. It integrates various secure online platforms such as Paypal and does not charge any commission on the transactions.

Simplybook.me
This software can be integrated with various platforms such as Facebook, Instagram, and Google maps. Accept appointments, receive notifications via email or text, accept payments, and customize features such as gift cards, memberships, and customizable emails. Moreover, one can also customize their user and client apps to book and manage services. It also syncs with Google and Outlook calendars to help set meeting reminders.

Wix Bookings
Boost the productivity of your company with Wix Bookings. It helps clients by booking appointments and making secure online payments. Wix Bookings also helps you manage your staff and clients and host Zoom meetings within minutes. You can also get analytics that will help track and improve your business performance. Moreover, you can easily manage everything from the Wix app on your smartphone.

Using a computer can be daunting for first time users. Keyboards, mouse, GUIs, boot up procedures - the technical list for functioning PCs can seem endless but at its core it's very simple. All you need to realize is that every user was once a beginner and no matter how adept people are, they all started from the same starting point. If you've ever felt intimidated by computers and always wanted to learn how to use one, you've landed on the right page. In fact, the very reason you are reading this already means you do know how to use computers at a competent or basic level. But fear not, if you are reading this guide for the first time, or if this guide was recommended to you by another user, it will help you. Here's a couple of things you need to know about using a computer. Set up the tower The tower is made up of the entire PC setup. Make sure you've got the keyboard, monitor, CPU, and mouse in place and ensure the peripherals are connected. If you're using a wireless keyboard and mouse, make sure you connect the USB transmitter to the USB port of your desktop PC. Plug in the tower to the nearest power source by means the cables provided with the computer. Without plugging into the power source, the PC won't even start up. Make a user account Once the computer switches on, you will be greeted with a user accounts screen. Creating a user account will ensure security of your files, documents, and promote better privacy. Make sure you create a user account and set a password for it. The password must be a combination of numbers, letters, and special characters so that it's strong and cannot be easily cracked. This will discourage intruders from trying to invade your digital privacy. Get used to the desktop and other features Congratulations. You have reached the final component of this guide that will turn you into a full-fledged PC user. You need to get familiar with the desktop. Check out the 'My Computer' and 'Control Panel' icons and click them. This is where you find out how much storage space you have, and other technical information. The OS (operating system) comes in different types - Windows for PCs, and Mac OS X for Apple products. While you don't have to know about the technical details, knowing which version you are using (such as Windows 10) can help. Finally, explore the web browser. Common ones are Google Chrome, and Firefox. You can check out the hardware and software details by right-clicking and selecting properties in the My Computer window. Don't forget to explore the start menu located in the lower left corner of the desktop too.

Hair loss is a common problem among women and men. Hair loss can be caused due to stress, hormonal imbalance, medications, disorders caused by certain medical conditions, deficiencies of vitamins or excessive hair styling. There are various solutions to this problem. One of them is the use of topical shampoo. The hair loss shampoo for women and men can be found over the counter or by prescription. You can choose any of them. Shapiro MD Hair Regrowth Shampoo This hair loss product can be utilized by both men and women. When you use this shampoo for just one month, you can see a remarkable change in your hair growth. This shampoo is approved by the dermatologist and it has a patented formula for reducing hair fall. This product works by blocking DHT and enhancing the growth of the hair. This hair fall shampoo is manufactured in an FDA approved laboratory. Laritelle Organic Shampoo This shampoo has ingredients like cedarwood and ginger that increases the growth of the hair. This is the certified organic shampoo; hence it does not have chemicals such as sulfates and parabens that inhibits the growth of the hair. With the utilization of this product, you can prevent loss of the hair and enhance the hair growth. This product is used to promote strong, healthy and shiny hair by stimulating the hair follicles and the scalp. Lipogaine Big 5 All-Natural Shampoo As the name of this shampoo suggests, this product has five organic ingredients. These components are caffeine, biotin, castor oil, Argan oil and saw palmetto. All of these components are necessary for the growth of the hair and they prevent hair loss. It also contains various other natural oils and ingredients that prevent the thinning and breaking of the hair. Castor oil present in this shampoo prevents the hair loss and enhances the hair growth as it has antibiotic properties that prevent infections of the scalp by fighting dandruff. The most important benefit of buying this shampoo is its cost. Strong HairPro Hair Loss Treatment Kit This hair loss shampoo for women and men is a great choice for fighting hair loss. It has anti-DHT formula due to which it blocks DHT build up which is the main reason for alopecia. With the use of this product, you can strengthen your hair from the roots and reduce breakage of the hair. When you are planning to buy a hair loss shampoo, choose that product which has a large number of positive reviews and plenty of natural ingredients.

Have you just purchased a brand new cell phone and you want the best cell phone accessories that will make your precious phone look all the more attractive and stylish? Read ahead to get some simple tips that will help you choose your phone accessories wisely and smartly. Good quality cell phone cases: A great phone case not only provides a touch of class to your phone but also serves the purpose of protection too. Even though the top brand mobile companies do boast about the wonderful strides in technology that ensure making your mobile safe and durable, it is always wise to invest in good quality cell phone cases that will only improve its safety and appearance too. One of the most important factors to be kept in mind while choosing your mobile case is to choose one that suits your mobile and requirements perfectly. Pick a case that offers protection for the corners as well as the rear of your mobile. Chargers: Although almost every mobile does come with a charger when you purchase the phone, there are many cases when the charger conks out or you just happen to leave your charger behind in a hotel suite or back at home while traveling. So it is always advisable to have an extra charger with you that can be used while you are on the road. A car charger is also a wise investment. Bluetooth headphones: Bluetooth headsets prove to be a real blessing to talk over phone calls when your hands are preoccupied. They are lightweight and can be fixed just above your ear or even round the neck which helps you speak freely without using your hands. They also come in handy to music lovers and can be used for GPS applications. Car mounts: This is yet another cell phone accessory that helps you while you are driving. It can be fixed to your dashboard or windshield either via magnets, suction cups or double-sided tape. Other cell phone accessories that you might want to explore include selfie sticks, battery extenders, mobile power packs and signal boosters. They are all commendable gadgets that will complement your mobile usage in every sense of the word. You can discover a stunning range of cute cell phone accessories online on various sites that will help you to make your choice easier. So, be smart and grab the best cell phone accessories for your phone today!