Consumer Loans are available to residents of Monroe, Miami-Dade,Collier and Lee Counties in Florida

TIB Bank is proud to offer a wide range of consumer loan products for a variety of purposes. Whether you are ready for a new car, the pleasure a new boat can bring, to take that dream vacation you've always wanted or to consolidate your existing debt into a more manageable monthly payment, we can help make your dreams and plans a reality.

If you reside in the Florida Keys, South Miami-Dade County or the Naples-Fort Myers area of Southwest Florida, TIB Bank now offers the convenience of online applications. You can apply from your home computer and get a quick response with competitive rates. All loans are subject to credit approval.

For more information about a specific type of loan, to apply online or print an application, just click on one of the loan types to the right.
We understand how important online security is to you. Therefore, your personal account information is on a secure site encrypted through Secure Socket Layer (SSL), helping to ensure that the information remains confidential.

[SigmaForex Partnership Services]

Overall View:

Sigma helps a various groups of partners around the world to enlarge their business and expand the full
potential of the Forex market.
Sigma’s services include:

Introducing Brokers: Join our IB network and receive compensation for directing new clients to Sigma.
Money Managers: Full service trading capabilities, plus dedicated account management, client fund
administration and reporting.
White Labels: White Label Program helps fitted firms set up an online presence in the Forex industry
quickly and cost effectively.

A dedicated Partner Services team supports Sigma partners with a full range of account management services.
- Daily P&L, credits, commission allocation, etc.
- Account funding, transfers, allocations, etc.
- Customer on-boarding.

Introducing Broker.
Money Manager.
White Label.

Oil prices fall on rising U.S. stockpiles

COLUMBUS, Ohio – Oil prices rose in volatile trading today after the U.S. government reported enormous buildups of oil and gasoline at U.S. storage depots, another manifestation of how badly the deteriorating economy has cut into energy demand.
Including the latest report from the Department of Energy, crude inventory levels have risen by 14 million barrels since the week ended Jan. 2, pushing operational capacity at key storage sites to the limit.
Prices tumbled seven per cent before a late day rally, with light, sweet crude for March delivery settling up 12 cents at US$43.67 on the New York Mercantile Exchange.
Crude fell early in the day after the Commerce Department reported that new-home construction plunged to an all-time low in December. There was also more evidence that export-driven economies in Asia are being hit hard by the recession. Oil inventory data pushed prices even lower before oil prices and the stock market rallied.

Even with the jump in crude supplies, prices at the pump edged up again overnight as refiners cut back production in reaction to falling demand.
The Energy Department's Energy Information Administration said for the week ended Friday crude inventories rose by 6.1 million barrels, or 1.9 per cent, to 332.7 million barrels.
Analysts had expected a boost of only 1.9 million barrels, according to a survey by Platts, the energy information arm of McGraw-Hill Cos.

The same report showed how much less Americans are driving as the recession reaches across almost every economic sector in the country.
Gasoline inventories rose by 6.5 million barrels, or three per cent, to 220 million barrels, more than three times what was expected by analysts.
U.S. refineries have begun shutting operations for regular maintenance, and are also trying to match rapidly falling demand ran at 83.3 per cent of total capacity on average, a drop of 1.9 per cent from the prior week and also more drastic than what was expected.

That sent gasoline futures tumbling close to 10 per cent at one point today.
Many consumers have been frustrated by the disparity between crude prices, which has been on the decline, and retail gasoline prices, which have been rising for weeks.
The EIA report confirms that stocks continue to build as demand falls.


[Sigma Forex Practice Accounts]

Learn And Develop your trading skills with Sigma platform!

A Free practice account is a great way to experience the Forex market without risking any money.

For Novice Traders
For those who did not trade in the forex market before can get accustomed to following a market, and open themselves to a whole new way to invest, and it also gives them the chance to understand how the trading platform works.

For Regular Traders
For those who are familliar with trading in forex market, a practice account can help them to get use to the particular characteristics of the Forex market or our trading platform.

For Experienced and Professional Traders
A practice account can even help experienced and professional traders as they can test and practice their trading strategies without risking capital.
Generally the Demo Account has the same capabilities of the real account, the only difference between them is that the real account is with real money and the practice account is with virtual money.

Open Now A Free $ 500'000 Account With Sigma Forex and discover a whole new way to invest.
Sigma Account allow you to open Micro, Mini and Standard lot through only one account and trade in Forex Market
In order to register for a practice account, please Download Sigma Forex Platform and open new account as illustrated below and you will have unlimited access to our Platform for the next 30-days.

If you have any problem regarding Sigma Practice Account you can see User Guides or click on the Live Chat button on the right menu and our customer support staff will help you through the process.

Crude oil futures decline on weak global trend

Crude oil fell by 2.72 per cent in futures trading today on traders selling influenced by a weakening trend in the international markets.
On the Multi Commodity Exchange, crude for delivery in June fell 2.72 per cent to Rs 2,543 a barrel in a trading volume of five lots.

The May and February contracts fell by 2.36 per cent each to Rs 2,442 and Rs 1,864 a barrel, respectively. The May contract attracted 17 lots, while February recorded a business volume of 6,924 lots.
Meanwhile, in the overseas market, crude oil dropped to $37.55 a barrel as deepening recession reduced demand for the fuel.

[Sigma Services]

As a professional online trading service Sigma strives to give an eminent beyond comparison of professional and individualized trading services, Sigma also provides several facilities for all kinds of traders.
Sigma helps private and institutional clients achieve their trading goals by offering an inclusive forex trading package, along with the state-of-art trading platform, real-time news and wireless access. We relegate to meeting and exceeding our customers' expectations with the utmost professionalism and integrity.

Sigma provides appropriate services satisfying the needs of all business partners’ specified requirements. A client's profit is our success and a client's loss is a significant call of action for us, we consider every client as a special case and a partner.
Sigma's Customer Support is our business core, as we provide 24/7 customer support. We keep in touch with all our clients to make sure that we are on the right pass.

Open Live Account
Open Demo Account

The passion of the moderates

Why did three Republican senators give their crucial support to the stimulus bill finally agreed by Congress last night?

The details certainly looked important. The House of Representatives' version of the stimulus bill cost $819bn and contained more money for state budgets and school reconstruction. The Senate version weighed in at $838bn and contained more tax credits and cuts. And the final version, approved on Wednesday evening by negotiators from both legislative bodies, is $789bn, with an added dab of this and a subtracted touch of that.
How did the House and Senate sort out this fine-tuned legislative machinery? The proximate answer, as always, is the triumph of representative democracy and the legislative process. But the ultimate answer is that Arlen Specter, Olympia Snowe and Susan Collins – the three moderate Republican Senators whose support was required to shuttle the stimulus through the Senate – wanted it that way. Why did they want it that why? I'm not sure. As far as I can tell, neither are they.

The final negotiation was a victory of nice-sounding statesmanlike process – "moderation," "centrism," "bipartisanship," "spirit of compromise" – over actual legislative substance. Earlier this week Specter wrote an op-ed in the Washington Post that explained his support for the stimulus bill (his version). His argument for why the bill should be whittled down to under $800bn was essentially: (1) An important life lesson is that you should listen to other points of view; (2) $780bn is less than $940bn; (3) $780bn is greater than $0; (4) if you don't agree with me you'll get $0; and (5) an important life lesson is that you can't always get what you want. And so the Democrats did not get billions of dollars of what they wanted.

But missing from the Specter argument, and from the final negotiation process, was a sense that some points of view are better than others, and that some policy prescriptions will do more to stimulate the economy than others. Here's my favourite example: Senate Republicans wanted a higher proportion of tax cuts in the final version of the bill than was in the House version. That's a point of view, and it even has a theory behind it: while standard Keynesian theory suggests that a dollar of spending is more effective stimulus than a dollar of tax cuts (since the latter is likely to be saved and not spent) there is genuine disagreement over whether this holds in practice. And lots of people agree that carefully targeted tax cuts – reductions in payroll tax withholdings, which overwhelmingly affect middle- and lower middle-class earners – can stimulate consumption.

But instead of having that debate, the Senate took the legislatively lazy route: it added a $70bn patch on the Alternative Minimum Tax. This was strange for many reasons. The AMT patch is not targeted: 80% of the benefits go to the top 20% of wage earners. Nor is it timely: the patch would pass later this year as part of the regular appropriations process, just as it has in years past. And it's not even a great legislative bargaining chip: Chuck Grassley, the Republican senator who stuffed the AMT provision into the bill like a suitcase before a vacation, ended up voting against the stimulus.

So why was it kept? Because it gives the zealous moderates the appearance of winning the process. It looks like Democrats accommodated Republican requests to ratchet up the tax cuts. It looks like Republicans get more tax cuts. And it more than looks like Specter and Collins and Snowe can claim they brokered an "important compromise" during a "difficult time." Also, they helped the middle class. All while doing nothing to stimulate the economy and sucking up dollars that could be put to better use elsewhere.
Specter, Collin and Snowe took a political approach to a policy question – they wanted the symbolism and efficacy of compromise, not the effectiveness of good policy. I would have preferred to see them put their time and our money to use elsewhere. But you can't always get what you want.

[Why Sigma]

1. Lowest spreads in the forex market, No other broker offers such competitive spreads .
2. Sigma is the only broker that allows you to customize your trading account as you wish.
3. Maintaining the security of your money is a major objective at Sigma.
4. Our devotion to our clients has made our firm a respected industry leader, that we have a strong commitment to maintain a long term relationship with our clients.
5. Low margin requirement.
6. Full Hedging capabilities.
7. Sigma is a registered financial institution, and registered with the European registration authorities. The regulations set out into notice by these agencies are created to help ensure the safety of our clients’ deposits.
8. We maintain enough liquid capital to meet the needs of the amount required to cover all client deposits, potential shift back and forth in the firm’s currency positions and outstanding expenses.
9. We put forward our financial information to regulatory bodies on a weekly and monthly basis.
10. In addition to all the above, Sigma holds all deposits with only highly reputable financial institutions. We are appreciate the trust of our clients place in us.

FOREX Expert Advisor

I’m sure you’ve all heard of the word FOREX and by now you must have also learned of the term FOREX expert advisor and how much benefit it can provide a trader. So you must’ve asked: “Who is he or she?” “How good are they?” But here’s the catch, a FOREX expert advisor is not a human being.
So, what is an expert advisor?
It is basically a module that is compatible while working with Metatrader 4 Forex Trading Platform. There exists some misconception among many people that it is the one which gives advice with regards to career moves,finances and so on.Contrary,this is not true.
What a FOREX Expert Advisor is map out all possible trades through the use of its ATS (Automated Trading System) technology. This technology is based on pure logic and completely eradicates all the emotion out of your trading experience. The common problem is when it comes to human emotions and trading risks that if ones gets in the way, it could cost you quite a bit of your heard earned cash.
There are numerous Forex Expert Advisor’s in the market.Choosing the right one is very important,as all of them are not built in a similar way. While purchasing an advisor,a proper checking of back tests and forward tests need to be done.If this is not done,then there’s a possibility of choosing a wrong advisor which in turn can lose you your money.