Christmas dates are approaching and this is noted, not only in the streets lights and shop windows of stores, banks also adapted its product offerings to the desire of consumption characteristic of Christmas. In this past month there are many entities that have launched new deposits gift. Although it does not say clearly, updates the offer of products for Christmas. Many deposits end the contract period on 31 December 2010, at the moment just to take advantage of the gifts, and others are already directed explicitly to clients referring to Christmas. The latter is the case of the fun deposit of Unicaja, which, although they do not put deadline, is aimed at clients with a clear announcement of intentions: do not leave for Christmas what can be done today.Give more this Christmas with the funny tank.
Because saving at this time has more advantages than ever. Is also a clearly Christmas promotion of Caja Segovia with their emotion deposit the Gordo, offered as a gift by a participation in the national lottery of Christmas. Now, although the supply of this type of deposit is so much and so varied, it is worthwhile considering whether really is a good deposit. It usually is deposits with a little flexible, and low profitability as normal in this type of product is offered the same type of interest for any period of time, and increase or decrease the amount necessary to get the gift on the basis of this term, there is no much freedom of choice in how invest. Thus, while it is true that the fact of having interests in advanced is an advantage, profitability is should measure more for the gift offered, and the theoretical price for this, that results from applying the T.A.E indicated to the contributed amount. If we look at the deposits in this way, they have just not proving too attractive. Many require astronomical amounts or eternal deadlines to get small gifts. In conclusion, would be a better choice purchasing the product in a shop and invest the amount of money in another tank that offers better cost-effectiveness. But it is clear that if these deposits exist, and also intensify at this time of year, it is because savers, in general, do not analyze the operation, but that the fact of seeing a picture, something material instead of numbers and percentages, it is more attractive. And from here, banks begin to engage also in store.