Category: Banking & Money

Blogging to the Bank 3.0 Honest Review

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Blogging has been around for a few years now. Most people use blogs to record their thoughts and lives, while the select few use them as a free way to make a fortune. One guy who uses this to his advantage is Rob Benwell. In 2006 he dished the dirt on the tips and tricks to making a fortune using blogging. But as time passes the old systems become obsolete and new techniques are required. This is where his brand new, fresh off the press Blogging to the Bank 3.0 system comes into play.

For those who know who Rob Benwell like me, you’ve probably made a killing using blogs.

For those who don’t, here’s the story:

Back in 2005 he was struggling to make any profit online, had dropped out of college and was getting deep into debt. He was trying all the techniques the gurus tell you and wasn’t getting anywhere fast. All of that went in the bin and he started using his own techniques and started making more and more money using simple blogs. In early 2006 he shared this with the world and had a great ebook called blogging to the bank. Tons of people got rich from using these techniques (including me). He then spoke at Online Marketing Legend Yanik Silver’s underground Seminar where he revealed even more of his underground strategies. Then July 2007 he released Blogging to the Bank 2.0 which showed users his new methods to creating online wealth using blogs. In total both versions have been read by over 50,000 people across the world. But as I said earlier, the techniques used in these ebooks are now showing there age. Some of them are not even working in the slightest! This is where blogging to the bank 3.0 comes into play.

It’s full of great new techniques that work online right now! Everything’s explained in plain English with all the fluff cut out. I got hold of an advanced copy of the book for a much higher price than what it actually sells for and it has been worth every single cent! I got it in the afternoon and by the evening I was creating new profitable blogs. Within a couple of hours of them being active I had made a nice little profit. Blogging To The Bank 3.0 teaches you Robs new step by step blueprint to creating highly profitable long term niche blogs using the newest optimization techniques. There’s even a section on advanced Search Engine Optimization. Most people think SEO is difficult but Rob explains this nice and simply so even the blogging newbie will understand it. Blogging To The Bank 3.0 is a breath of fresh air and I highly recommend it to anyone wanting to make easy money online. Click below for more information about this system

Different Types Of Bank Accounts Explained

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If you are looking to open a new bank account, it is a good idea to learn about the different types of bank accounts available, to ensure that you get the right account for your exact needs.

There are several types of bank accounts available, each one being tailored to slightly different requirements and also varying from bank to bank. Each type of account offers different advantages and for many it might be beneficial to hold a combination of accounts.

Basic Bank Account

This type of account usually offers the customer the facility to have regular payments paid in free of charge, and to set up direct debits or standings orders. The customers bank should issue the account holder with a card to withdraw money, which may or may not be free of charge, depending upon where the money is withdrawn.

A basic account normally lacks the facility of a chequebook and an overdraft, the benefit of the latter being that the customer need not worry about accumulating debt. On the downside, the interest rate received by the customer may be lower than that for a current account.

Current Account

Like the basic account, current accounts are tailored towards everyday use such as paying in money, withdrawing money, as well as setting up standing orders and direct debits. Customers will receive a debit card with capability such as visa or maestro, enabling the customer to withdraw money where they find the relevant sign. The debit card for this account also permits customers to make payments via the chip and pin process.

A current account will typically also return low levels of interest on the money in your account, but unlike the basic account, may provide the facility of an overdraft which needs to be arranged with your bank. Customers are also usually entitled to a chequebook as a method of payment.

Savings Account

Savings accounts will offer a higher rate of interest to the customer and therefore provide a means of saving money and to see a return in the form of interest. This often means that you cannot move your money too often. In fact, some savings accounts require that you give notice before withdrawing money. Customers should also be ware that interest gains will be taxed, and are normally deducted before being received by the account holder. Non-taxpayers in the UK can claim back the tax on the interest gained, but for UK taxpayers, an ISA may be a better option for saving money.

Student Account

The main feature of a student account is that they normally offer an overdraft facility for students. The overdraft limit will vary between banks, but will commonly be a free facility. Banks also offer different incentives for students to open an account, which may include complimentary insurance, electronic devices, railcards and more.

Pertinent Facts on Bank Owned Homes

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Bank owned homes are popular options for people who want to own properties due to their sheer number. When home owners fail to meet their mortgage obligations, the lender will begin foreclosure proceedings that will end with the ownership being transferred to the lender. And since owning homes is not really among the business operations of banks, these homes will be sold on the market at a price that completes the loan that was not paid.

Banks will try to get the best price they could for the homes they sell but they are very open to negotiations because it is more important to sell of these bank owned homes in the soonest time possible. Considered as non-performing assets, banks need to convert them into capital quickly. If buyers are cautious to avoid heavily dilapidated homes, they may be able to acquire a good home at a significantly reduced price, even at half the property’s market value.

The first method a bank would use to sell a property is through an auction at the county courthouse. If the homes do not sell through this manner they will hire a certified real property broker to sell the homes for them. The property will also be included in a multiple listing service, where more people can see the property. While most homes can only be purchased through a bank appointed broker, some banks do accept offers directly from individuals in some cases.

Making an Offer to Buy

An offer to be made to the bank should have the amount that the buyer is willing to pay, a request to inspect the home, the method the buyer will use for paying and for how long the offer is valid. After the bank receives the offer they will most likely make a counter-offer. This is usually done to satisfy the bank stakeholders that the bank tried to get a higher price for the home. At this point the buyer can make one last offer that the bank can either accept or deny.

One thing to look out for when purchasing bank owned homes is the fact that all these homes are sold as is and the bank will not pay for repairs. So when doing your inspection you should carefully assess cosmetic or structural damages and factor the cost of repairs to your offer. Otherwise buying a real estate owned property is neither complicated nor hard and buyers should not be wary of them.

Offshore banking – Chosen as a means for tax exemption

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Offshore banking has become famous for the effective reduction of taxes and the privacy options provided by the great organization and individuals. Prior to the acquisition of an online bank at sea, it is suggested that the person has to understand the various benefits of offshore banking and whether these benefits meet their expectations or purposes. There is no need to open a bank account if it does not meet the needs of the client, the privacy options provided by offshore banking online depends on the situation of the client.

offshore banking unit also comes with special features such as attention from local banks or other lenders; recent banking unit offshore presence around the world increased. Most countries free offshore banking unit in other countries that are at peace with them. Many Indian banks like ICICI and State Bank of India also have their own set of offshore banking units in various locations. ICICI Bank offshore banking unit headquartered in Bahrain and Singapore branches advisor to various other places like Belgium, Dubai and Hong Kong. ICICI has extended his victories abroad with representative offices in 19 countries worldwide.

Offshore banking offered are somewhat similar to that provided by traditional banks, some of the offshore banking includes cash credit, withdrawal of deposit, government investment in banks, the electronic transfer of funds, management funds, foreign exchange, surveillance of offshore banking and trust services. It is not necessary that all banks must provide each offshore banking services specified above, as it depends on private banking and personal.

The country of residence of the applicant in the offshore banking sector differs from the exact location of the bank where the applicant has an account on their behalf that provides economic benefits. The advantages offered by offshore banks to better understand a person’s privacy policies, minimal or no taxation, ease of access to deposits and protection against any financial crisis. Offshore banking is often associated with economic conditions and the secret crime which involves methods to avoid tax collection and heaps of money.

Latest Information about ” title=” offshorebanking “> offshorebanking

Evolution of Bank Routing Numbers

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Have you ever wondered what that 9 figure number is in the bottom left hand side of your bank notes? Plenty of people have this question. As a matter of fact, about 50,000 people search for routing number related terms in search engine listings every month.

The routing number is also described as a transit number or ABA number. It is comprised of a 9 figure code and it is utilized in the United States of America. The individual design of this number is to determine the depository financial institution or financial organization from which the cash referred to on the cheque is to be withdrawn.

With so many banking companies in existence nowadays, this number is very helpful to the depository financial institution taking a deposition of a check in determining where they need to get the money. It was at one time a difficult undertaking to determine where bank checks were written from. In fact, this difficulty has historically been exploited by criminals to commit fraud against banks.

Therefore, this numerical system was formulated to streamline and clarify the procedure for clearing houses and for banks. This has helped in the reliable transferal of money between banks on behalf of their clients for years now.

This system has even been developed. The serialized number makes it easier for computers to understand and apply the information and as recently as 2004 it has been used to transmit electronic bank checks also known as echecks or EFTs (electronic funds transfer). This started out with the passage of the Check 21 Act which has helped to reduce the reliance on paper bank checks by making it allowable to make digital copies of bank checks.

This handy number system dates all the way back to 1910 when the American Bankers Association (ABA) organised it to help interbank relations. It has been used ever since to help the banking industry to work smoothly.

Can you envisage trying to keep track of over 26 thousand different banking companies that issue bank checks? As a banker you would be overcome with work trying to determine where to get your money! This is precisely the problem that the ABA has successfully helped to solve since 1910.

About 26,895 routing numbers are actively put to use in the United States of America today. This is because every financial organization must have one by law. That means that every depository financial institution is required to have an ABA number assigned to them before they open their doors.

The cheque routing number is an important development in the story of banking. It has served to improve the efficiency of banks. It has assisted in improving the security of banks. It has even helped improve the manner in which we transfer money around the net.

Learn more about the check routing number system.

Forex Robot To Double Your Money Each Month

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Get A Forex Robot That Is Capable Of Doubling Your Money Every Single Month… I Guarantee That The Video Below Will Change Everything You Have Heard, Seen Or Tried In Forex Automatic Robot Trading…

See MAGIC Unfolding In Front Of Your Eyes: (go to link to see the video) )

True..those $42,500 are REAL dollars…Not some demo account or some back-tests…but real money that can buy real things…produced by the century’s most robust, profitable and easy to use Forex robot ! Yes…Thats Right, You Got It…We Put Our Money Where Our Mouth Is! Here is a real money account which is traded on public! It grew from $5,100 to around $36,500 Fapturbo is verified by Ea Lab. Here is more trading proof: Just now we released the new Spring 2011 Update FREE of charge (as usual) to our members adding a new INCREDBILY good performing trading pair and many new features that have been tested over months. Our Forex robot can be traded with ANY account size….BIG or SMALL! We wanted to show everyone that unlike many scam-only-working-on-paper Forex robots out there, FAP Turbo is REAL Now…lets get to the most important part of all of this…to the reason why FAP Turbo is #1 and will be undefeated for a VERY long time. I want your full attention here…I mean it, this is KEY: Understanding the following will show you why FAP Turbo is the real deal…why it’s a golden opportunity for the smart ones… Do you remember I told you at the beginning of the letter that back-test results are worthless? Well, THEY ARE! So, why am I about to to show you back-test results of FAP Turbo? Well…and this is the best lesson you will ever learn in Forex robot trading: Back-test Results Are Worthless UNLESS You Can Validate Them With Live Forward Trading! What does this mean? Well, simple and to the point: if you back-test a robot and it shows 100% -demo- profit in one month, it should PRODUCE around 80-100% profit in LIVE trading. Thats it…mo more and no less! So, how did FAP Turbo perform in back-testing? Well…

For those that are a bit -technical- let’s sum up the above: -11 Years Back-test -14,088 Total Trades -99.66% Winners -10,607% NET Profit -0.32% Drawdown! Incredible results right? Yes, VERY impressive…

Read More at:

Banker Cover Letter Sample for Banking Job

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Whenever we want to apply for any job or want to switch from one job to the other, the first thing that comes to our mind is a well-drafted cover letter and a resume. Even if you have a professional and well-planned resume, it is of no use without a cover letter. A cover letter provides a professional approach while applying for any job opening in banking sector. For example, if you want to apply for job in the banking sector, you need to draft a professional cover letter for banking jobs. A banker cover letter sample for banking jobs highlight the essential aspects of your resume in a precise and clear manner.

There are certain cover letter tips that you need to follow before drafting a banking cover letter, such as your cover letter should carry relevant information and should match the information with the enclosed resume. The cover letter should follow a professional format i.e. it should have the same font-name and font-size throughout the cover letter. The cover letter should be divided into sections, highlighting the objective and your credentials in a positive manner. Make sure that the cover letter should be error free i.e. there should not be any spelling mistake and the sentence construction should be perfect. And, finally proofread the cover letter at least twice or thrice before sending it to the recruiter.

A cover letter for banking jobs is basically divided into 3 sections: The first section deals with the aim or objective for drafting the cover letter. Do mention the reference or source from where you came to know about the job vacancy and also include the job code and designation for which you are applying.

The second section includes your educational qualifications, professional summary, important duties and responsibilities that you undertook in your the current and previous bank, extra-curricular activities, achievements, and hobbies. This is also known as informatory section; therefore do remember to include your contact details correctly, so that the employer can contact you for further discussions.

The third and last section includes salutations to the employer for their valuable time that they put in going through the cover letter. Use ‘dear’, ‘sincerely’, ‘faithfully’ in this section to show regards to the employer and compel them to schedule an interview round with them. Make sure that you have attached the essential documents with the resume along with the cover letter.

The above information will help you in drafting a well-planned cover letter for banking jobs. You can also refer to free sample cover letter examples for banking jobs on different websites, as it will provide you with a clear picture of how to draft banking cover letters.

Healing your Love, Relationship, Health, Money issues By Sumant Kual

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Many of us erroneously believe that our Fate is set in stone. However, Grand Masters Sumant Kaul and Sumeet Kaul believe our future can be reframed as per our wish. Grand Masters Sumant and Sumeet Kaul, Ambassadors and Representatives of Theta Healing in India and the United Arab Emirates, have created a life-changing and profound Love and Wealth Ultimate Life Breakthrough Seminar Course and Karma Kundalini Yog – a step-by-step sureshot technique to discovering one’s true potential. Here are some insights from the Kauls’ Miraculous Life BreakThrough Course: Why do people have money problems? When people chase money, money runs away from them. Therefore, they must attract money. But money may not be in their karma. In that case, they need to attract it by using special techniques which we teach. The amount of wealth that you have is truly equal to how much value you have provided to the world and how much you care about the world.Your unconscious mind may be blocking you from money and you may not even know about it.We have film stars ,businessmen with failed projects coming to us and realising how their Beliefs and their mind was sabotaging them. Why do people have relationship problems? Why are they unable to find love? If you observe people who have failed in relationships or been divorced, it is seen that in the maximum number of cases, they fail again in new relationships or get divorced again. This is because even when they do not want the same partner as before, they still manage to attract the same type of person into their lives and therefore, get divorced once again. Alternatively, they continue in an unhappy marriage due to the social stigma attached to a divorce in India. This is pure karma of suffering and sacrificing in life. The person thus must work upon his/her negative beliefs. Why do people have health problems? Most health problems are caused by emotional pain. Accidents happen to those who are rebellious, angry and frustrated, or those who do many things in very less time. Critical and judgmental people develop stomach problems and joint aches. People lacking love or suffering from guilty love, develop spine problems. People with cancer have hidden feelings of hate, while people with heart problems have known betrayal. Is there a solution to these problems? Not only is there a solution to these problems, it is also child’s play after one has learnt the right technique which renowned teacher and healer Mr.Kaul teaches Find a course near you: Past Life and Spiritual Regression Foundation and Intermediate Course – 10-12th Jan 2014 Karma Kundalini Healing Foundation and Intermediate Course – 24-26th Jan 2014

Hotel Suryaa [Formerly Sofitel Suryaa ,New Friends Colony ,New Delhi

Visit: , or mail at sumant.; call Neeta Kaul 00-91-9582692321, 91-9891371212 , 0-11-41437521,40573217, or visit E-129, Greater Kailash-Part 3, New Delhi 110048.

Secrets of Offshore Banking

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This is an introduction to offshore banking and incorporation a world that you may or may not be familiar with. There are many countries that are considered to be tax havens of one sort or the other. Each jurisdiction has its own reasons in extending a warm welcome to non residents. The aim of this article is to introduce to offshore banking and give you an idea of the benefits of going offshore.

Offshore banking makes many people think of money laundering and many other illegal activities. However, most illegal activity happens onshore. Newspaper headlines are the main reason for these misconceptions. Legal activities are not headlines, so few reporters write about the above-board side of offshore finance.

Proof that using offshore banking and companies are not illegal is the large number of known international trading and finance companies that have an offshore presence. Some countries tax you on a global revenue basis. If you are a resident or a citizen of such a country it would be crime for you not to declare your offshore holdings. Declaration does not mean taxation. Consult with your tax lawyer to find out the latest legislation on this.

Is there really a secret to successful offshore banking? Yes, there is and it is very simple. -Knowledge- is the secret key.

To set up your offshore infrastructure, it is necessary to start by exploring the low tax and asset protection opportunities that are offered in various countries. These can range from low tax to 0 taxes, tax treaties, special corporate structures, free zones etc-. Studying the aforementioned will allow you to put together a complete offshore solution.

There is no one size fits all packaged solution. Every business is unique. Everyone who wants to establish an offshore banking presence must take into consideration the countries that he will be doing business with to obtain the maximum benefit of going offshore.

What are the most common benefits to going offshore?

– Tough bank secrecy and privacy laws

– Fewer restrictions on financial transactions

– Low taxation or 0 taxation

– Asset protection

Even the United States and Canada can be tax havens. Though this is only promoted usually for non-citizens and non residents.

As you can see from the above, you have multiple reasons for wanting to explore all the possibilities that an offshore incorporation linked to an offshore bank account will give you. No matter which aspects of the offshore world you choose to use you will find the find that there are many benefits.

For more information about Offshore Banking please visit where you will quickly and easily find valuable offshore incorporation and banking resources to get started immediately.

Improve Bank Debt Recovery Efforts By Implementing These Techniques

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Bank debt collection in increasing, largely because of a recession and economic crisis affecting consumers and markets around the globe. Banks and credit unions are employing new tools and strategies to improve bank debt recovery.

Because of years of steadily rising consumer debt, banks are facing ever growing credit card delinquencies, checking account and loan defaults, as consumers struggle to pay for the necessities. Financial institutions are trying new strategies to help with bank debt collection efforts.

Listed are a few recommended bank debt collection tips, which will help improve your debt recovery efforts.

Provide alternative payment plans for customers going through financial difficulties.

. Create “hardship” programs for borrowers who are late with their payments.

. Extend or lower payments, interest rates, or lower fees when you anticipate customer payment problems.

Create communications channels where customers can openly discuss their issues. By proactively reaching customers early, you can prevent larger problems later.

In addition to your present internal debt collection processes, these suggestions are designed to “flag” would be problems much sooner, and prevent them from becoming much larger problems later on.

When To Consider Outsourcing Bank Debt Recovery to Collection Agencies

It is critically important that banks and credit unions experiencing growing debt collection issues quickly rid themselves of “problem” delinquencies, and outsource them to a collection agency.

Using many of the earlier suggested strategies, you will be able to identify early on, and be able to distinguish the customers that you can work with via payment arrangements, and the more challenging customers.

These more challenging accounts must be identified early on in the process, and outsourced to a collection agency. Failure to do so decreases the possibility of ever getting paid on them. It will also cost you much more in wasted time, resources, etc. Failing to do so, not only decreases your likelihood of getting paid on them at all, it costs you far more in time, resources, etc.

Some collection agencies offer programs designed to restore negative accounts and retain banking customers before the account is closed or charged off. In fact, research shows customer retention equaling 70% or better can be achieved, as well as restoration of negative account balances when contacted pre-charge off.

The crucial element is reaching these customers before the account is charged off, not afterward.In addition to the incentive to clear up their negative account balance, it is also proven that after a past due account is closed and charged off, these delinquent customers typically seek new bank accounts at other institutions.

Once this happens, there is little interest in that customer bringing their delinquent, charged off account, current.

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