What is Bex. Bex stands for beat extraction. We assume that it is in principle possible to locate a beat with certain auditory, and hence audio, events. As originally implemented, beats are identified in the speech signal in order to study rhythmicity in speech.hat is Bex. Bex stands for beat extraction. We assume that it is in principle possible to locate a beat with certain auditory, and hence audio, events. As originally implemented, beats are identified in the speech signal in order to study rhythmicity in speech.
Bank Penalties. If the CD hasn't matured, the bank can charge you an early withdrawal penalty even if you're taking a qualified distribution from your IRA. According to Bankrate.com, penalties average about three months of interest if the CD term is a year or less while longer CDs impose penalties of around six months of interest.
You can invest in a long-term CD even if you think you may cash out early or if you want to take advantage of rising ratesâjust be sure to check the interest penalty. For example, a five-year CD from Ally Bank, which yields 1.89%, charges a penalty of only 60 daysâ yield if you withdraw the money early.But a five-year CD from Intervest National Bank, which offers a slightly higher rate of 2.00%, takes back half your interest with its early-withdrawal interest penalty of 30 months..S. savings bonds are another supersafe investment for money you can tie up for a year. EE bonds pay low rates (0.6%) but I-bonds pay an attractive 3.06%. You can cash in savings bonds after 12 months, but if you redeem them before five years have passed, you forfeit the last three monthsâ worth of interest.