Laser Focus World is an industry bedrock—first published in 1965 and still going strong. We publish original articles about cutting-edge advances in lasers, optics, photonics, sensors, and quantum technologies, as well as test and measurement, and the shift currently underway to usher in the photonic integrated circuits, optical interconnects, and copackaged electronics and photonics to deliver the speed and efficiency essential for data centers of the future.

Our 80,000 qualified print subscribers—and 130,000 12-month engaged online audience—trust us to dive in and provide original journalism you won’t find elsewhere covering key emerging areas such as laser-driven inertial confinement fusion, lasers in space, integrated photonics, chipscale lasers, LiDAR, metasurfaces, high-energy laser weaponry, photonic crystals, and quantum computing/sensors/communications. We cover the innovations driving these markets.

Laser Focus World is part of Endeavor Business Media, a division of EndeavorB2B.

Laser Focus World Membership

Never miss any articles, videos, podcasts, or webinars by signing up for membership access to Laser Focus World online. You can manage your preferences all in one place—and provide our editorial team with your valued feedback.

Magazine Subscription

Can you subscribe to receive our print issue for free? Yes, you sure can!

Newsletter Subscription

Laser Focus World newsletter subscription is free to qualified professionals:

The Daily Beam

Showcases the newest content from Laser Focus World, including photonics- and optics-based applications, components, research, and trends. (Daily)

Product Watch

The latest in products within the photonics industry. (9x per year)

Bio & Life Sciences Product Watch

The latest in products within the biophotonics industry. (4x per year)

Laser Processing Product Watch

The latest in products within the laser processing industry. (3x per year)

Get Published!

If you’d like to write an article for us, reach out with a short pitch to Sally Cole Johnson: [email protected]. We love to hear from you.

Photonics Hot List

Laser Focus World produces a video newscast that gives a peek into what’s happening in the world of photonics.

Following the Photons: A Photonics Podcast

Following the Photons: A Photonics Podcast dives deep into the fascinating world of photonics. Our weekly episodes feature interviews and discussions with industry and research experts, providing valuable perspectives on the issues, technologies, and trends shaping the photonics community.

Editorial Advisory Board

  • Professor Andrea M. Armani, University of Southern California
  • Ruti Ben-Shlomi, Ph.D., LightSolver
  • James Butler, Ph.D., Hamamatsu
  • Natalie Fardian-Melamed, Ph.D., Columbia University
  • Justin Sigley, Ph.D., AmeriCOM
  • Professor Birgit Stiller, Max Planck Institute for the Science of Light, and Leibniz University of Hannover
  • Professor Stephen Sweeney, University of Glasgow
  • Mohan Wang, Ph.D., University of Oxford
  • Professor Xuchen Wang, Harbin Engineering University
  • Professor Stefan Witte, Delft University of Technology

How a CFP® Professional Can Help You Navigate Interest Rates

By: NewsUSA

(NewsUSA) - Interest rates have soared dramatically, raising the cost of buying anything on credit. For example, over the past two years, mortgage rates have more than doubled, adding hundreds or thousands of dollars to monthly payments. At the same time, high interest rates offer new opportunities for earning an attractive return on savings. With rates expected to stay high, now is the time to consult a CERTIFIED FINANCIAL PLANNER professional who can help you find ways to earn more interest while paying less.

The Basics: What Are Interest Rates?

Nobody lends money without wanting all of the principal back — and more. The “more” is the interest rate you pay. It’s the price of money, and it can add up quickly. For example, if you have $10,000 in credit card debt and you take five years to pay it off with a 20% interest rate, you’ll pay $5,896 in interest. On the other hand, if you paid off the credit card with a five-year, 10% personal loan, you’d pay only $2,748 in interest — a savings of $3,148. That’s just one strategy among many that a CFP® professional can customize to your particular financial situation.

Earn More Interest With These Three Letters: APY

The annual percentage yield (APY) is used to compare the rates paid on savings accounts and some checking accounts. Look at the APY number, not the interest rate number. Two banks may have the same posted interest rate but pay different amounts of interest. Here’s how: Bank No. 1 pays interest everyday on your principal and the interest you earned previously. That’s called daily compound interest. Bank No. 2 compounds interest only monthly. The financial institution that pays compound interest daily will have a higher APY.  

Is your money sitting in a bank earning an interest rate of one-tenth of 1%? Many people are making that mistake. Would you like to earn far more interest? A CFP® professional can help you review options.

Make Smart Money Moves With a CFP® Professional

Some interest payments are tax deductible while others are not. A CFP® professional can figure out whether it makes sense to shift some of your borrowings to the tax-deductible category and save you money.

The Impact of Interest Rates on Investing

High interest rates affect stocks, bonds, real estate and other investment markets, and some investments are more resilient than others in high-interest rate environments. That is where the insights of your CFP® professional can improve your portfolio’s performance.

Whether you want to pay less interest or earn more, a CFP® professional can guide you to better outcomes during a time of high interest rates. Find your CFP® professional today.

 

 

Stock Quote API & Stock News API supplied by www.cloudquote.io
Quotes delayed at least 20 minutes.
By accessing this page, you agree to the following
Privacy Policy and Terms Of Service.