Monthly Archives: October 2012

Save Online, Try The Online Savings Account

Savings account is account deposited that is only intended to stay in the bank for a relatively shorter time span. This account usually offers much lower interest rates than most bank accounts. But still, like many other accounts, it accumulates interests. The rate of which is largely dependent on the conditions provided by the bank.

Savings accounts are normally maintained by commercial banks, credit unions, loans and savings associations, and some mutual savings bank that are offering interests that can never be used as money. However, the account may be utilized by writing a check.

These accounts allow customers to use parts of their liquid assets, which may be used for any transactions. But before a savings account is used, the balances in the savings account must first be transferred to checkable deposits or transaction deposits or currency. But due to the simplicity of transferring the saving accounts, they are often termed as “money”.

Though the use of checks is often not allowed, withdrawals are still easier when done using the savings accounts. The Money Market Deposit Account or the MMDAs on the other hand may restrict you on a limited number of transference of accounts and withdrawals.

With the advent of the Internet comes the development of a new system of banking- the direct-to-consumer banking system. This particularly addresses online savings accounts. Direct-to-consumer system allows direct access to savings accounts from the traditional bank online where money naturally transfers by means of electronic bank transfer. There are two types of banking institutions that create and allow this form of transaction- online-only banks and the traditional banks.

Online-only banking is the answer of the entrepreneurs to the growing consensus of the general public of who usually make banking transactions through the internet. These banks tried to accomplish what real banks have done. They offered almost the same spectrum of products that traditional banks have but offered them on consumer-friendly deals- high interest rates and low fees.

Online savings accounts often offer significantly higher rates of interest as compared to the contemporary savings account. This deal may be attributed to the fact that lesser expenses during online processing and that online market is naturally rate-sensitive.

Sadly, the majority of the consumers are not yet prepared to this new treatment in banking. This in effect, brought down most of such banks.

But by the end of year 2000, ING launched an optimized form of online-only banking. This was rather successful and brought great increase in the online banking industry. They created a much simpler savings account transaction that pays higher rates than the traditional banking. But this does not permit the use of ATM cards, checks, and other services. It was only intended as an account for which your money may be safely guarded.

For almost three years, ING had no other rivals in this system of banking. But recently, many other banking institutions have followed suit. Some were the pioneers of the online-only banking who eventually died down during the course yet returned to beat the market share ING has. Some of these banks offer the same services with that of the ING programs. Most have the same principle of high interest rates and no unnecessary frills.

One notable new entrant is the VirtualBank. This targeted the high-end techy society yet they offer much lower rates as compared to the ING Bank. Thus they gained some consumers.

Eventually, the industry expanded sometime in 2003 until 2004. And by the year 2005, savings account virtually revolutionized banking by means of online-only banking.

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Ready to Sign that Lease Agreement?

Is Signing that Lease Agreement Right for You?

The real estate market is booming across the United States, especially in select areas of California as well as Las Vegas. Even the sleepy town of Boise, Idaho is experiencing record breaking primary residential development. Where ever you happen to live, you have probably noticed it’s not so easy to get into that coveted house you have always dreamed of, despite the favorable mortgage rates. So what should you do?

Lessons Learned from the Past

With such uncertainty around the real estate market, perhaps it is best to stay away from owning your own property. Many so called experts predict the housing market in the US has finally reach bubble status, and expect that bubble to burst in the near future. They may have submitted their predictions a bit early, but their advice should be considered. If we learned anything from the stock market bubble and subsequent crash of 2000, we realized frequently a conservative approach to investing serves us well when uncertainty surrounds the market.

Protect yourself and consider the advantages of renting or leasing versus buying your own home. A renter assumes far less risk by signing his/her name to a lease agreement than when closing on a house. Typically a rental agreement locks you into a contract for a short period of time, relatively speaking, during which the rental rate is locked as well. Such a contract can protect you from the downswings of the real estate market, especially the volatility frequently demonstrated by adjustable rate mortgages. Granted, as a renter you don’t stand to gain any equity in the house should the market turn up. However, you also don’t expose yourself to the violent downswings in housing values wrought by an oversaturated market. Should you buy a house now and a year later need to move to pursue a new job opportunity, what happens when your realize those inflated prices you paid for your house are not so inflated anymore, and

Avoiding the Headaches of Ownership

By agreeing only to rent the dwelling, you manage to avoid many of the disadvantages associated with owning a house. Normally the landlord is responsible for general maintenance of the flat. Many home owners are quick to offer their stories of frustration, disappointment, and even anger when things go wrong in the house. Pipes burst, flooding occurs, air conditioning units break during the scorching summer days of July, and heating systems fail in the dead of winter. All these things can and will happen, setting homeowners back considerably. Thus, as a renter you can avoid many of the major financial investments owners must make to maintain the comfort and livability provided by a dwelling. Agreeing to a lease agreement helps mitigate the risks of living in a home or apartment.

Weighing your Options

A rental or lease agreement can offer many advantages to those of you looking for a place to live. Ultimately, each individual must decide what is right for them. Some are more than willing to bear the risk inherent to the housing market because they have a strong positive cash flow and are in a position to endure the twists and turns of the market.

Don’t be afraid to weigh your options and consider the risks of owning versus renting. For many, playing the game conservatively and waiting for housing prices to come back down to Earth will prove to be a successful strategy. There is no shame in signing that lease agreement, living in an apartment for a year or two before moving on to that house you have wanted so badly.

Press Release: Why SEO Experts Should Not Use Press Releases

Rumor has it that press releases are the next big thing in the SEO business, and many companies are spending top dollars trying to write the next big press release announcing the next big balloon breaking technology. But is this really the next big thing?

By definition, a Press Release is a kind of news item released by the company on whom the news is being reported. As such, you will have to compete with all the other press releases and hope that your will get picked up.

Why Will Your Press Release Be Trashed?

1) Unless you are writing a press release about Microsoft, Adobe, Sony or one of the other mega-companies, or at least about a company that is relatively well known, forget about it. Journalists and news editors receive thousands of press releases a day and there is no way that they will waste more than a quick glance. So why should you pay a company seven to eight hundred dollars for them sending your press release to thousands of editors and journalists when they are going to junk it anyway?

2) Unless you are announcing a truly revolutionary product or technology (which I assume you are not since you are only interested in using the professionally paid and written press release to boost your search engine rankings), whatever you make up or announce such as some new free deal or new portal offering something unique, your chances of being picked up are very slim. Yes, the PR companies will tell you that they have vast experience in writing Press Releases that will make yours stand out and get picked up but this is not accurate. The only way your PR is going to get picked up is if it truly is something out of the ordinary or something that no one has ever thought off.

3) Unless you plan to spend millions of dollars and then just by sheer volume your site will go ahead in the search engines, this is not a good option. Why? If you send a large number of press releases then these will be placed on the different PR companies websites main page. Since most of these home pages have a very high page rank, your site will get a boost. The question is whether this boost is worth the large amount of money you will put into the PR companies pocket. No it is not. Use that money to buy (though I do not recommend this) links from high-ranked websites and you will pay less and receive more benefit.

4) Any press release, even if it has been accepted, will remain on the different pages for just a short time, making the time and effort and even more so the amount of money you paid fruitless.

Conclusion:

A press release is useful if you wish to contact the press and maybe get some free publicity, but it is of no use if you wish to use it as a tool in order to advance your website in the search engines.

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Personal Accounts Clever Ways To Manage Your Account

Once you’ve found the right bank and the right account, you may be tempted to rest on your laurels. However, if you want to make the most of your money, you need to give it regular attention. The world of finance is changing continually, with new offers and opportunities cropping up every season. To take advantage of them, you need to keep your finger on the pulse.

Not only should you keep a flexible approach, but be prepared to do a bit of research to keep abreast of the latest financial news. You don’t need to be a stockbroker to read the money pages – most of the Sunday papers carry a finance section aimed at the average person. The internet can also be a good source of up-to-the-minute articles check Yahoo or the BBC in their ‘personal finance’ sections.

As well as keeping an eye on the money market, you should have a clear idea of how your accounts work. Stay abreast of any direct debits and standing orders paying bills by monthly instalments can save the hassle of posting cheques, spread the cost of services, and you will often gain from special discounts if you pay this way. However, monthly payments can cause problems if you don’t have enough cash in your account charges for going over your agreed overdraft can be nasty and are money down the drain. Try to arrange for direct debits to come off around the same time a few days after pay day is usually a good time, and you’ll often be able to choose which date. When budgeting, aim to plan for the whole year rather than just from month-to-month.

Credit card companies will offer introductory rates to new customers if you don’t mind changing cards every six months or so you can avoid paying high rates of interest. Look for 0% APR offers on balance transfers and especially those that do not charge a balance transfer fee.

If you have debts, (and these days almost everybody does to some degree) make sure that you are on top of them. The worst thing you can do is ignore them make sure you know what you owe, and how much interest you are paying. It might be a good idea to consolidate debts for example converting credit card balances into a low-interest loan or second mortgage. Allocate as much as you can comfortably afford to pay each month, and stick to it. If you are struggling with debt, contact your debtors. They will often be able to help you plan your repayments, and will certainly be more understanding if you keep in touch.

Citizen’s Advice Bureau (http://www.citizensadvice.org.uk/macnn/) can offer support and advice, as can National Debtline (http://www.nationaldebtline.co.uk/): Freephone 0808 808 4000.

Open More Than One Account

If you are looking for a way to save money, but always find yourself dipping into your funds, try opening up more than one account at your bank.

By having more than one account you will be able to keep your money separated, which will help you avoid spending cash that you should not be touching. Of course this can all be done with one account and some self control, but it is not always that easy. By having an account for many different reasons, you will be able to keep your money separated, and only withdraw funds from the appropriate account.

The first account that you will want to set up is a savings account. You should put money into this account and never touch it unless you are in an absolute emergency. Savings accounts will also earn you interest depending on how much money you keep in the account. This will give you an incentive to keep as much money as possible in your account.

Next, you will want to have a checking account that you can use to pay any bills that you may have. This way, you will know exactly how much money you have available each month for your bills. By having a checking account you will also ensure yourself of never having to go into your savings to pay bills.

Also, many people have found it to be very beneficial to start a personal account where they keep money that they only use for leisure. By doing this, you will be able to keep track of how much money you spend on things outside of bills. This will also help you to learn to budget your money more efficiently.

You can also open a separate account for any special items that you are saving for. If you want to take a dream vacation, why not open an account for this? Then you will be able to put a certain amount of money into the account every month in order to reach your goal. Many people overlook this type of account, but it offers many benefits and advantages.

Overall, having a number of different bank accounts is a great idea. This will allow you to easily control your spending and saving. You should open as many accounts as you need in order to keep your finances organized. By doing this you will soon find out that you are more organized than ever before.

open an online savings account today

Open an Online Savings Account

With the popularity of the internet many financial institutions are beginning to see that they can offer their customers many different options. There are several financial institutions that have decided that they can give their customers more services because they have cut their overheads by operating completely online. Using an online bank is often times much better than using your local banking branch, and when you open an online savings account you will find that the fees are much less and the interest rate is much higher which puts extra money in your pocket.

One of the first questions or concerns that many consumers have is when you open an online savings account is your money safe? The answer is yes; if they are FDIC insured that means that your money in an online savings account is insured by the federal government just as it would be in your local bank. It also has the limits of $100,000 per depositor.

The next question is usually how do I actually open an online savings account? It is very easy, you go online and decide which banking institution you would like to use. They will then have an application to fill out which will include all your personal information. Once you submit the application they will then print it all out and mail it to you to be signed.

When they mail your application anyone that will be a signer on the account will have to sign the application and signature card in the appropriate places. They will then ask you to include a photocopy of all the signers’ driver licenses. This is due to the changes in bank laws after 9/11. At this time you will then include your deposit, and as with any transaction done through the mail, do not send cash.

Once they have received your deposit they will send you your checks or debit cards to access your savings account. Most of the online banks give you one or two free times to use an ATM machine to access your funds without charging you a fee, check the terms and details of your account to make sure.

Depositing money is also a question that most people have with online savings account. You can deposit your money three ways. First you can mail in a check for deposit, make sure it is indorsed “for deposit only” and mail it certified. You can also have money direct deposited from your employer; just fill out the proper forms that your employer will give you. Next you can transfer money online from any other banking account, there is usually a limit of how much you can transfer and the bank you are taking the money from usually charges a fee.

If you want to save and earn a higher interest rate then your local bank can offer, open an online savings account. Your money is safe, easy to access and will earn you a higher rate of interest and accrue fewer fees than with a standard local bank.

open an online savings account

It is quite noticeable that our global market have made great advancements

towards greater technology. One of the major contributions of the

technological progress is online banking. Several banking institutions offer

online banking options and one of the most popular choices of online banking

is creating an Internet savings account.

What are Internet saving accounts exactly?

Well, Internet savings accounts are the alternative to an instant savings

account. If you create an Internet savings account then it is linked to your

normal checking account, thereby giving you an easy access from your online

savings account to your checking account. By virtue of this, the money that

you deposit in your checking account can be easily transferred to your

savings account and vice versa. This can be done either online or via phone.

Owing to the low overhead costs, there are several financial organizations

that offer higher interest rates to the Internet savings account holder and

this is the biggest reason why more and more people are opening an Internet

savings account for themselves and their families.

So, if you are still in two minds about opening an Internet savings account,

take my advice, go for it. Not only you will enjoy higher interest rates (

compared to what you get with a traditional saving account) but also you will

be entitled to lots of other benefits. Read on to find out what they are.

The renowned online bankers offer perks to the online account holders in

order to stay ahead of the ever growing competition in the banking industry.

The perks include lucrative investment options, checks, debit cards, various

loan options etc.

One thing you must know about Internet savings account is that the interest

rate is calculated on a daily basis, paid monthly and can vary from day to

day. The biggest advantage of having such a savings account is that you can

have free access to your account from the very comfort of your own bedroom at

any time you want. Yes you don’t have to worry about commuting to your bank,

standing in the queue to monitor your account.

Internet savings accounts are ideal for people who want to save their hard

earned money. The best thing about creating an online savings account is that

you can open your account with as low as one dollar (which is not possible,

if you want to open traditional bank accounts)

It’s true that there are no time restrictions as to when you can deposit or

withdraw money from your Internet account, however, bear in mind that there

is no interest on the full balance account in the month when you withdraw

money from your account.

Since these accounts are all on the Internet, so it doesn’t matter where you

are based. Therefore, an internet savings account saves you from the hurdle

of going through all the formal procedures of closing or transferring an

account(like what you have to with a traditional bank account)when you are

relocating.

To conclude, an Internet savings account is the best option to multiply your

savings in a short span of time. So go ahead and open an Internet savings

account today and enjoy the luxury of a mobile bank account to last you a

lifetime through.

Online Accounting

Accounting in USA has seen lots of change. There was a time when the accounting was more of book keeping done in huge ledgers and was the purview of select few. It’s not so anymore. Accounting is much more widely accepted as a business function and general people also look for the accounting details of the firms they are associated with. Also lot more transparency is required now. Keeping in line with the development of IT and other technologies, the accounting is also now based on internet and has taken wide strides. Online accounting services, viewed as merely experimental only a few years ago are now becoming the run away business.

As such accounting industry as been little slow to adopt the newer technology and has not left fully its love for the pen and pencil work.

The SU accounting industry has seen new trend of outsourcing its work now. All these have forced the industry to adopt the Online Accounting. The internets as well as other technologies are used now to build more efficient book keeping systems. Also it’s becoming more cost efficient for larger firms to outsource the work. Outsourcing is very much easier with work being delivered online. It’s much more cost effective as well as fast also.

The shift from the practice where clients paid the accounting firms as per the billable hours to a fixed fee based system is forcing the accounting firms to deliver efficient work in cost effective manner. This means that they can not any longer cover their inefficient work by merely putting in more time into the projects. This has favored the Online accounting practices much. Value billing has forced accounting professionals to become more efficient.

Online accounting very effectively cuts short the time taken to transfer the time taken by information exchange between the clients and accounting firm. The seamless transfer is far more efficient and much faster. The accounting firm has dynamic access to the sourcing documents of the clients firms and can access anytime any information it requires from its clients side. The online accounting system also allows the accounting firm access to client data from far away locations at the a few clicks on the internet. The time sensitive financial data is readily available to the accounting firm.

Other then the speed and cost of services, online accounting enables better customer service and more reliability and trust. Accounting firms recently have been exposed as in cahoots with some very big clients, committing serious financial crimes. In this scenario the new practice builds more transparency also.

The online accounting practice also provide for more timely communication between the firm and clients. Since the client has more immediate access to information and to time sensitive documents with Online Accounting practices, questions and problems can be more easily identified and resolved. This translates into increased profits as well as happier clients!!

Since the clients get better service, they get more value for the money they spend. It is generally quite cheaper for the business owner to outsource the bookkeeping and accounting than to hire and supervise it in-house. Savings for the business owner can be as much as 30% for some clients! Online Accounting is great for such services.

The accounting firms also charge now a fee (fixed on a monthly basis) almost five times the average monthly fee (based on billable hours) they charged earlier.

Generally the various online accounting processes available are customized for their users where they can choose the menu of features they like.

Online Accounting is an excellent tool for accounting and book keeping, one that is help full for both the accounting firms as well as the clients.