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		Home Tech Finance Markets Politics Strategy Entertainment Advertising Retail Sports Life Monday, April 22, 2013 SMART INVESTOR: Online Brokerage Firms Aren't Right For Everyone Advertisement Online discount brokerage firms are becoming as common as smartphone apps these says. And the slew of options can be just as useful as they are overwhelming for individual investors. "Since most retail investors only have a couple of brokerage accounts where they manage their investments, it matters that you’ve picked the best online brokers for your needs," says Susan Lyons, a senior strategy analyst for NerdWallet Investing, The point is to help you save money –– not waste more of it with unnecessary fees. Here's the key question you should ask before signing up for an online brokerage: How often do I plan on trading?  If you're an active trader (not that we recommend this approach for individuals), you'll have to really watch your trading fees. Some accounts charge anywhere from $5 to $200 per trade, depending on the extent of services you're looking for. In reality, the vast majority of online brokerage investors average only two trades a month, according to Lyons. If you're part of that "buy and hold" club (kudos to you), you might be better off taking your investments elsewhere, or placing them in a low-cost index fund. Some online brokerages charge inactivity fees for sitting on your investments too long, which is like paying extra just for the pleasure of having someone hang onto your cash for you. There are other hidden fees to consider as well. When Kiplinger rated 10 prominent online brokerage firms last year, it found Just2Trade was seemingly cheap at first glance –– $2.50 per transaction. But it charged a whopping $50 just to transfer your IRA to another firm, plus $35 to simply hold your IRA for you. And as Lyons notes, the vast majority of investors using online brokerage firms probably would be better off without them:  "While over 17 million investors have accounts at the three largest online brokerages—Schwab, eTrade, and TD Ameritrade—their financial filings reveal their average customer executes less than two trades per month. For the majority of users, this means they could be saving money on unnecessary fees—to the tune of over $1.8 billion total per year—by investing elsewhere." Please follow Your Money on Twitter and Facebook. Share this: Facebook Twitter Digg Reddit StumbleUpon LinkedIn The email address for your subscription is: dwyld.kwu.jobhuntportal11@blogger.com Change Your Email Address | Unsubscribe | Subscribe | Subscribe to the Your Money RSS Feed Business Insider. 257 Park Avenue South, New York, NY 10010 Terms of Service | Privacy Policy

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April 22nd, 2013Top Story Archaeologists Are Unlocking a 1900-Year-Old Burial Chamber's Secrets—With Drones By Kelsey Campbell-Dollaghan Teotihuacan, an ancient, abandoned city about an hour north of Mexico City, was once one of the largest cities in the world. It collapsed in the centuries ago (thanks either to an internal uprising or foreign invaders, depending on who you ask), but it's never been completely deserted, since the ruins have always been a magnet for squatters, archeologists, and hordes of tourists. Yet there are still portions of Teotihuacan that remain untouched by today's explorers, including a subterranean burial site that scientists estimate has spent the last 1900 years unseen by human eyes. Until now. In 2003, scientists discovered a tunnel beneath Teotihuacan's Temple of the Plumed Serpent. They speculated that the tunnel was a processional walkway leading to a warren of royal burial chambers, but couldn't say for sure, since the opening to the tunnel was intentionally buried by the city's last inhabitants. According to BLDGBLOG, archeologists at Mexico's National Anthropology and History Institute are now uncovering the mystery of the buried chambers without disturbing them—thanks to a diminutive robotic system designed to go where shimmying archeologists cannot: ... A little wireless robot called Tlaloc II-TC will soon "investigate the far reaches of a tunnel found beneath the Temple of the Plumed Serpent at Teotihuacan," entering a chamber "estimated to be 2,000 years old, and [that] may have been used as a place for royal ceremonies or burials." The first Tlaloc enters the tunnel. Photo by Alma Rodríguez for El Universal. Tlaloque is actually a deployable collection of three different robotic systems. The largest, a Mars Rover-esque contraption, is in charge of transporting two smaller mechanisms through the rubble-filled tunnel. When it reaches the chambers, a second vehicle is programmed to unpack itself to take infrared scans of the space. Finally, a smaller, winged contraption will eventually be deployed to capture video footage. BLDGBLOG explains: It gets even more interesting when we then read that there is yet another, "third part" of the ensemble, a "robot made with four propellers" that can "remain suspended in the air and take pictures with video cameras." It's a drone, in other words—part of a whole family of proliferating machines—but, for now, it will only be "used outdoors due to currents of air in the tunnel." Tlaloc II-TC, the latest iteration of the system. Image by Melitón Tapia/INAH. The team at the INAH have tested several iterations of Tlaloque, so there are a few preliminary reports of what's actually inside the chambers—and it sounds amazingly spooky and cool. "Investigations [have verified] that the tunnel was constructed before the Feathered Serpent Temple and the Citadel, structures that were the scenario of rituals linked to original creation myths," reported scientists in 2010. "[Meanwhile] the tunnel must have been related to the underworld concept." According to a report in Provincia, images show a series of stone symbols lining the tunnel, which scientists believe was "subsequently collapsed in order to deposit something very important at the end the duct in the main chamber." Tlaloc I's first transmitted image. Photo by INAH. This isn't the first instance of "drone archeology." In 2011, scientists in East-Central Asia used a microdrone to generate an aerial map of Scythian burial grounds in the remote Altai Mountains. And in Peru last year, archeologists used an unmanned aerial vehicle to survey the abandoned city of Mawchu Lllacta. Still, it's remarkable to watch how archeological discovery is evolving alongside drone technology. As for what's to come from beneath the temple at Teotihuacan, Provincia reports that the aerial drone is currently under testing. That means we'll likely get to see video of the chamber before long—and suddenly, a site that's been closed to humans for nearly two millennia will be revealed to an audience of millions. [BLDGBLOG] Lead image by Melitón Tapia/INAH.

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