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    What does your brokerage do for you

     

    A brokerage should work for you, the way that you want your money managed. In fact, you will need to communicate these needs and desires with the firm long before a commitment is made to you by the firm. But, what does your brokerage provide for you? Why do you use one company over the other? And, most importantly, how do you choose which are the best options for your specific needs? When it comes to a brokerage, there are several things that they must provide for you to work with them. The first most important thing for the brokerage firm to offer you is effective communication. You will most likely need a company that can understand your needs and will follow through on that. Probably the biggest problem that people have is the fact that they do not feel as if their firm tells them what is happening and understands what their overall goals are. Knowing what you have, what you are investing in, and knowing how well things are going is information that you need to have. Do they provide this to you? You also need a firm that is going to provide you with the fundamentals you are after. For example, if you are a risk taker, you’ll need to find that quality in a broker. If you are someone that likes things to be a little safer, that is a necessary quality. You will also want to be able to have access to your account on a moment's notice. Many of the firms out there are now providing this to you. You can find them available throughout the web in fact. They allow you to access your account online so that at any given day or time, you’ll know just what is going on. Having a brokerage that fits your needs is the ultimate goal. Finding just that may take some time, but you’ll make it happen.

         
    What is a 401 k plan

     

    The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most businesses and tax-exempt organizations can create these retirement plans. The 401(k) takes its name from the IRC (Internal Revenue Code) of 1978. The operation of the 401(k) is administered by the EBSA (Employee Benefits Security Administration) of the Department of Labor. The 401(k) plan has a lot of advantages. First and foremost is that the employee can contribute pre-tax money that reduces the tax paid in each paycheck. Also, the company contribution and any growth in the fund is free of tax until withdrawn. The compounding of the fund during a 20 to 30 year period is quite amazing. The employee has a lot of control in the direction of the future contributions. When the company matches your contributions, it adds something extra on top of your own money. All money in the plan can be moved from one company to another unlike pension. The 401(k) plan is protected by pension laws since it is a personal investment plan. It includes protection from garnishment by creditors but not from domestic cases that include child support. There are some disadvantages in the 401(k) plan, it is hard to get your 401(k) contributions before age 60 (59 1/2 to be exact). The 401(k) is not insured by the PBGC (Pension Benefit Guaranty Corp). Also, the company contributions do not kick in until a certain number of years of service have been given. The rules state that company matching contributions must either be a 3 year 'cliff' plan (100 percent after 3 years) or a 6-year 'graded' plan. Employees participating in a 401(k) plan have many options for investment. In most cases a listing of mutual funds. The mutual funds usually include money market fund, treasuries, stock funds and bond funds. Some plans may include investing in company stock and US Savings Bonds. The employee gets to choose how the savings is invested. The employee can also choose at any time to stop contributions. Financial advisers usually say that the average 401(k) contributor is non-aggressive in terms of their investment options. Stocks have historically outperformed other types of investment, since the 401(k) is a long term investment it should be able to minimize the stock fluctuations.

         
    What is a balance sheet

     

    A balance sheet is a quick picture of the financial condition of a business at a specific period in time. The activities of a business fall into two separate groups that are reported by an accountant. They are profit-making activities, which includes sales and expenses. This can also be referred to as operating activities. There are also financing and investing activities that include securing money from debt and equity sources of capital, returning capital to these sources, making distributions from profit to the owners, making investments in assets and eventually disposing of the assets. Profit making activities are reported in the income statement; financing and investing activities are found in the statement of cash flows. In other words, two different financial statements are prepared for the two different types of transactions. The statement of cash flows also reports the cash increase or decrease from profit during the year as opposed to the amount of profit that is reported in the income statement. The balance sheet is different from the income and cash flow statements which report, as it says, income of cash and outgoing cash. The balance sheet represents the balances, or amounts, or a company's assets, liabilities and owners' equity at an instant in time. The word balance has different meanings at different times. As it's used in the term balance sheet, it refers to the balance of the two opposite sides of a business, total assets on one side, and total liabilities on the other. However, the balance of an account, such as the asset, liability, revenue and expense accounts, refers to the amount in the account after recording increases and decreases in the account, just like the balance in your checking account. Accountants can prepare a balance sheet any time that a manager requests it. But they're generally prepared at the end of each month, quarter and year. It's always prepared at the close of business on the last day of the profit period.

         
    What is a ca debt consolidation loan what can it do for you

     

    CA debt consolidation is no different from any other state's consolidation firms, only that the laws may change slightly. Many of the debt consolidation loans offered in CA are lent to families and individuals to help them payoff their debts. If the money is used for any other purpose, the debtor may face penalties. Many firms--instead of giving the debtor cash--will manage the loan them self, using it to payoff the debts owed. Instead of paying your pending debts, you will now be paying off a loan lent to you by one of the debt consolidation agencies in California. Rather, if you are paying for a vehicle, mortgage, or credit cards, then the debt consolidation agency will use the loan to payoff these debts, leaving you owing the amount of the loan, plus interest. Don't be fooled! No one can really reduce your debts in most instances. Rather, no can reduce your debts more than you can yourself. If you contact your creditors before you land in the hands of the collection agencies, you can negotiate on your own. Some creditors will reduce you debts, while others may terminate the debt entirely. The downside is that if the creditors wipe out your debt, or else reduce your debts, then in one instance you will be a 'write off." In other words, the information given to the IRS, which in turns adds the debt back to you by increasing your taxes. The solution isn't entirely a bad deal, since the IRS only comes around once every year, which will give you some time. Most people with credit cards utilize the cards to their limits and fail to make full payments on time. This is one of the primary reasons why people search for debt consolidation.

         
    What is a wage garnishment

     

    A wage garnishment is a legal procedure through which a percentage of a person's earnings are withheld by an employer for the payment of a debt. Most wage garnishments are made by court order. Other types of wage garnishments are of legal or open procedures made by the IRS or state tax collection agency levies for unpaid taxes and federal agency administrative garnishments for non-tax debts owed to the federal government. Wage garnishments do not include voluntary wage garnishments. Some debtor's may voluntarily consort with their employers to turn over a specified amount of their earnings to a creditor to absolve the debt voluntarily, without the use of a court order. The Wage and Hour Division of the Department of Labor's Employment Standards Administration has dispensed Title III of the Consumer Credit Protection Act (CCPA) to limit the amount of an employee's earnings that are garnished and protects employee's from losing their jobs if their wages are garnished for only one debt. Title III of the CCPA is enforced in all 50 states, including the District of Columbia, and all U. S. territories and possessions. This is a law that protects everyone who receives personal earning and incomes, e. g. wages, salaries, commissions, bonuses or earnings from a pension or retirement plan. The CCPA also forbids an employer from discharging an employee whose wages are garnished for any one debt, regardless of the number of levies made or attempts made to collect that debt, because of one single wage garnishment. The CCPA does not forbid discharging an employee when an employee's wages are separately garnished for two or more debts owed. The amount of pay subject to wage garnishment is based on the employee's disposable wages. This is the amount of pay left over after all legally required deductions are made, e. g. federal, state and local taxes, State Unemployment Insurance, Social Security or any other withholdings for employee retirement systems required by law. Deductions that are not required by law and that may not be subtracted from gross earnings when calculating disposable earnings under the CCPA are: voluntary wage deductions, union dues, health and life insurance, charitable contributions, savings bonds, optional retirement plans, reimbursements to employers for payroll advances or merchandise. Title III of the CCPA sets a maximum amount that may be garnished in any pay period, regardless of how many wage garnishment orders are received by the employer. For common wage garnishments, excluding those for child support, alimony, bankruptcy, or any state or federal tax, the weekly amount may not exceed 25% of the employee's disposable earnings or by the amount by which an employee's disposable earnings are greater than 30 times the federal minimum wage. If a state wage garnishment law differs from the CCPA, the law resulting in the smaller wage garnishment must be observed.

         
    What is being frugal really about

     

    To many people, the word frugal brings many thoughts to mind -- most of them unpleasant. They think of Mr. Scrooge or the 60's mom that could make a chicken stretch through four meals. Often, we are so caught up in making others think that we have plenty of money that we forget that we don't. In fact, most of the people who scoff at living frugally aren't well-to-do. They are the ones that are struggling financially. They wouldn't even consider letting others think that they are frugal. It is the well-to-do and those with money that often really understand what frugal living is. It is being in control of our money. This is a characteristic that most successful, and wealthy, people display. They understand that we control our money, it does not control us. But don't think that it is easy. Frugal living is quite hard. It takes a lot of thought and discipline. Money is a tough lion to try and tame. It will seem to beat you back every time. But if you look at living frugally as a challenge with great rewards, you will be able to handle it just fine. Frugal living gives you the ability to own a vehicle without having an auto loan. You are one of the few that can go shopping without a credit card. If you are frugal and wise in your money decisions, you can have everything you want, without the stress and emotions that come with debt. To be frugal, you have to make a commitment. You can't simply be frugal once a month and see results. You have to train yourself to be frugal in every situation. You have to make it a part of your daily routine. Look for ways to recycle and cut waste and spending. The one secret that will keep you frugal lies in setting goals. Once you have identified what you want to achieve, it will be easier to be frugal. You are working towards something. Make a budget and track the things you do that are making your dreams reality. One of the largest problems that many consumers face is shopping. To be frugal you have to decide to not shop anymore -- at least for things you don't need. The frugal shopper knows exactly what he needs and he looks at all of his options. Being frugal means that you make do with what you have. You use all of something before you buy a new one. You don't have to give the things you love up. All you have to do is see that they fit in your budget. If they don't, you may have to put them on the back burner for a while until you free up some room. Frugal living isn't about doing without, it's about doing better. Know where your give and take is. If you care deeply about your wardrobe, but not so much about your food, spend less on food and keep your clothing the way you like it. One of the best features of frugal living is that it is based on you. Yes, I can tell you that frugal people save the twist-ties off of bags of bread. But if you have no use for those twist-ties, they are wasting your time. Being frugal is make the best of what you have, not what I have or others have. You are cutting your spending in order to save for your goals. We all do it in different ways. Frugal living is essentially living beneath your means. You are saving and not spending every cent you make. It's a challenge, but one that makes you a better person. It teaches us, and our children, self control. Many successful businesspeople come from very poor backgrounds. They are successful because the frugal life taught them how to sacrifice and exhibit self-control. Answer these questions: What if you lost your job tomorrow? What if you were injured and could never work again? What if you lost all of your investments? Are you able to survive to live as you are right now? These are tough questions. You need to work to have answers for them. Living frugally will give you the security you need.

         
    What is financial securities

     

    It is true that bankers also invest money in securities, and that some of these are foreign, but here again the proportion invested abroad is so small that we may be reasonably sure that any money left by us in the hands of our bankers will be employed at home. But in actual practice those who save do not pile up a large balance at their banks. They keep what is called a current account, consisting of amounts paid in in cash or in cheques on other banks or their own bank, and against this account they draw what is needed for their weekly and monthly payments; sometimes, also, they keep a certain amount on deposit account, that is an account on which they can only draw after giving a week's notice or more. On their deposit account they receive interest, on their current account they may in some parts of the country receive interest on the average balance kept. But the deposit account is most often kept by people who have to have a reserve of cash quickly available for business purposes. The ordinary private investor, when he has got a balance at his bank big enough to make him feel comfortable about being able to meet all probable outgoings, puts any money that he may have to spare into some security dealt in on the Stock Exchange, and so securities and the Stock Exchange have to be described and examined next. They are very much to the point, because it is through them that international finance has done most of its work. Securities, then, are the stocks, shares and bonds which are given to those who put money into companies, or into loans issued by Governments, municipalities and other public bodies. Let us take the Governments and public bodies first, because the securities issued by them are in some ways simpler than those created by companies. When a Government wants to borrow, it does so because it needs money. The purpose for which it needs it may be to build a railway or canal, or make a harbour, or carry out a land improvement or irrigation scheme, or otherwise work some enterprise by which the power of the country to grow and make things may be increased. Enterprises of this kind are usually called reproductive, and in many cases the actual return from them in cash more than suffices to meet the interest on the debt raised to carry them out, to say nothing of the direct benefit to the country in increasing its output of wealth. In England the government has practically no debt that is represented by reproductive assets. Our Government has left the development of the country's resources to private enterprise, and the only assets from which it derives a revenue are the Post Office buildings, the Crown lands and some shares in the Suez Canal which were bought for a political purpose. Governments also borrow money because their revenue from taxes is less than the sums that they are spending. This happens most often and most markedly when they are carrying on war, or when nations are engaged in a competition in armaments, building navies or raising armies against one another so as to be ready for war if it happens. This kind of debt is called dead-weight debt, because there is no direct or indirect increase, in consequence of it, in the country's power to produce things that are wanted. This kind of borrowing is generally excused on the ground that provision for the national safety is a matter which concerns posterity quite as much as the present generation, and that it is, therefore, fair to leave posterity to pay part of the bill.

         
    What is inflation

     

    That is a good question and one that unfortunately there has not been an answer that everyone agrees upon. The term is a general description of the decreasing value of a unit of money over time. Therefore if you were to have 5 dollars now and went out and buried it and left it there for fifty years you would not have as much purchasing power with that 5 dollars that you had back when you buried it. This is what scares lots of people into investing. You see in order to beat inflation and actually have something of their retirement savings when they need it most they will have to beat the rate of inflation with their money. One of the only ways to do this is to is to invest at a rate that beats the rate of inflation. This is often more than the rate that a typical savings account will get you even when you take into account the concept of compounding interest. So what determines inflation? It can either be described as the increasing prices for goods or services as measured by the consumer price index. Or it can be viewed in terms of the overall increase in the supply of money. This is often created by the government printing more money in order to meet the demands of a larger and larger (more global) demand for US dollars (for example). The government prints and ships this out to the world in order to better meet the demand and stop prices from falling. Who else, other than the government, has the power to change the rate of inflation? Well who else would it be other than the federal reserve. The federal reserve is a consortium of some of the top banks in our country who serve as a committee that decides where to set interest rates in order to enhance the economy and prevent recession. Lowering interest rates tends to promote buying and selling of goods and services on credit or loan. Increasing the interest rates on the other hand promotes the savings of dollars in the bank and is a sign of a stronger economy when this all happens. So what is the moral of the story? Well invest to beat the effects of inflation for one thing. And secondly don’t get bent out of shape by the increasing prices that are just a fact of life. No one can explain them and eventually they will probably be reset lower and that will be like the “fall back” of daylight savings terminology.

         
    What is insurance premium finance

     

    A premium finance transaction involves the borrowing of money from a bank or hedge fund to pay the premiums of a newly originated insurance policy. Premium finance is available to seniors age 65 and older. The majority of financed policies have a face amount of over $1,000,000. The senior will borrow the money for a predetermined length of time ranging from 2 years to life. The same banks and hedge funds involved in life settlements are also the lenders for premium finance transactions. Senior citizens who qualify for premium finance are typically in good health with a high net worth. Financing is a great financial tool for senior citizens who need the coverage of an insurance policy for estate planning or wealth transfer. It allows these health seniors to purchase the policy at little to no out of pocket costs. Many of the financing options available today are approved by the insurance carrier. These programs, called recourse financing, involves the client putting up a letter of credit or other form of collateral to offset the loan should there be a default. Non-recourse financing uses the policy as the only collateral requirement for the loan. Should the insured default on the loan the rights within the policy would revert to the lender. It should be noted that there are no documented incidences of a lender exercising the letter of credit or collateral in a recourse finance deal. The lender always takes over the policy as in a non-recourse program. At the end of the loan term the insured can pay the total loan amount plus interest to the lender and keep the policy. If the coverage is no longer needed or wanted the policy can be marketed and sold in the secondary insurance market. The proceeds from the same will be used to pay back the lender with the remainder going to the insured. If the policy is no longer needed or wanted and not saleable the policy will revert to the lender. Premium financing is the fastest growing sector of the secondary insurance market. Many baby boomers are asset rich and cash poor with a need for the protection provided by an insurance policy. All seniors who fit into this category should contact their financial advisor or life settlement and premium finance broker to discuss the options available to them.

         
    What is interest

     

    Unless you have a degree in finance, you probably don't know all that you need to know in order to be an informed, responsible credit card user. Now you don't need to be a finance expert to comprehend the basics covered in this article, but after reading it, you might feel like one the next time the subject comes up with your co-workers, friends, or family. What is Interest? If you borrow $5,000 from your grandma and promise to pay her back in six months, you might return $5,000 to her a year later. Grandma would probably be happy with that because she loves you. But if you wanted to borrow $5,000 from a bank, you know you would not get off the hook nearly as easily. The bank would almost definitely expect regular monthly payments, and would absolutely expect to be compensated in the form of interest. But compensated for what? So long as you pay back the money, why should the bank deserve any extra compensation? Interest is first and foremost, compensation for what is known as "default risk." When you borrow money from the bank, there is a chance you won't pay it back. There's an even greater chance that you won't pay it back in full, or that the bank will spend time and money bugging you about late payments. If not for interest, it would only take one missed payment by one borrower for the bank to lose money. Therefore, the bank must charge interest in order to offset deadbeat debtors and make a little (or not so little) profit for itself. Otherwise, why be in business? Secondly, interest is charged on loans because the use of money is "mutually exclusive." If the bank has only $5,000 in its vault, it can't lend $5,000 to you and to your sister. (Actually it can, but how banks are able to do this is well beyond the scope of this article). Imagine your friend wanted to borrow $50 from you, but if you lent the money to him, you wouldn't be able to take your girlfriend out to a fancy dinner. How much "compensation" would make lending him the money worth it to you? How much would you have to add in to cover his "default risk?" A third reason that interest must be charged is inflation. If you borrowed $5,000 in 1966 and paid it back in full 40 years later, much of the value of the money would have evaporated. In order to replace the buying power that $5,000 had in 1966, you'd have to come up with more than $31,000 in 2006 dollars. Inflation is a constant fact of life in America (and around the world), so at the very least, interest must offset it. In recent times, inflation in the US has been hovering around 3 percent per year. How Do Credit Card Companies Determine Interest Rates? Credit card companies exist to make money, and they do this by charging interest and fees. In order to attract the most business possible, they offer different interest rates and fee schedules to different people. In business lingo, this is called "price discrimination," but don't bother contacting your lawyer - this form of discrimination is perfectly legal (if a bit unfair at times). Credit card companies consider your default risk, the cost of lending (taking into account the mutual exclusivity of money use), and inflation expectations in determining the interest rate you will pay. Obviously, only default risk is unique to you, and it is determined by your credit history. The better your credit, the lower the interest rate you'll be offered. Stay safe. Sincerely, James CC-Yes

         
    What is money

     

    Copyright 2006 David Brown What is money? In today’s article you will learn what money is. In today’s world we all use money on a day to day basis. Have you ever stopped to think what money in fact is? • Money is a source of exchange • It has a unit of account Money is a source of exchange. All throughout history there has been an exchange system in place. One example is Rome back in 550 B. C.E, salt was exchanged for goods. Originally a conch shell, which is a marine mollusc with a large brightly coloured spiral, was used in exchange for goods. Here is the point. Any object can be used in exchange for goods. When this object is used to trade goods, it is a medium of exchange. When trust is built up in this object it leads it to become important and valued. It then becomes a “money system”. What about the object we use today? As we have just said, salt was exchanged for goods; today we use coins and notes. These coins and notes are recognised “objects” which are accepted in society and trusted. This leads on to the second point. Money is a unit of account. What does this mean? It is how the “object” is measured or valued - It is what it is worth. For example, a car sales person wants to sell a second hand car. He puts a value on the car for Ј2000. A customer walks into the car show room and asks “how much”. Ј2000 answers the sales man. This price has become the unit of account; it is valued or measured at that price. In other cultures the unit of measurement may be a different object. For example if goats is the trusted “object” for the exchange, then instead of that motor car having a market value of Ј2000 it could be worth 100 goats! • It is a store of value • Money is not real The third point is money must be a store of value. The “object” must have a market value that can be stored for future use. For example, a man who sells lap tops has in his possession one hundred lap tops which he can sell for future trade. This is beneficial for him because he has a store of market value, when he sells the lap tops he will add value to his business and himself. Maybe you keep a cash box at home. The currency in the box holds market value and can be used in a future date. The currency is a store of value. Is money real? Here’s the thing, money is not real. Why is this fact? We have already discussed that money systems are only “objects” which are trusted and accepted. If you lived in a culture where goats were the “object of exchange” would you view them as real money? Money is the body of value. This value is decided within ourselves. For example, take two people. One man loves the old silent movies the other man does not. They are both offered an original silent movie film. The film buff is so excited at the thought of owning this film he offers Ј1000 to buy it. The other man offers Ј10 because he does not hold any value to the item. See the difference; it comes down to internal value on an item. If money was real they would have the same value. Also read back to the first three questions, it mentions about the personal value on an object.

         
    What is public employees retirement system

     

    The Public Employee Retirement System is for government employees except for teachers and students. This is a mandatory membership and all members should fill out a form of application at the beginning of their employment. It is a benefit plan that gives benefits to employees once they retire. This will be based on the number of years they rendered service and on their average salary. The Public Employees Retirement system also covers survivor and disability protection. The system also allows those with 30 years of service to file for an early retirement. They also provide death benefits and beneficiary benefits. Every Public Employee Retirement System of every state is committed to ensuring the retirement benefits of every employee. Contributions are deducted from the employee's payrolls. The amount may vary for every employee depending on their retire plan and coverage. Currently, the contribution rate is 8.5 percent of the salary of an employee and will increase up to 9.5% in the year 2007. Employer contributions however, range from 13 to 17%. The benefits that you will get once you retire are dependent on your contribution and position as well as your employer's contribution. The benefits are fixed depending on the legislation set by every state. That is why it is always recommended for members to know their benefits and coverage so that they can get the most of their contributions once they retire. Although the Public Employee Retirement System is compulsory for all employees, there are still criteria that you have to meet to become a member. Here are the criteria that you need to meet to become a member for most states' Public Employee Retirement Systems: 1. The applicant should be a regular employee and the annual salary of the applicant should be $1,500 or higher. 2. The applicant's position should be under the coverage of the Social Security System. Generally, these are some of the most common grounds for ineligibility: 1. If the person does not meet the minimum annual salary required which is $1,500. 2. If the applicant is not covered by the Social Security. 3. If you are a temporary employee 4. If you are currently employed by the Job Training Partnership Act and being paid by their federal funds. 5. Students who are employed by their schools and universities where they attend regular classes sometimes may not qualify for the PERS. 6. Inmates in correctional institutions are not eligible. 7. Mental health and retardation patients do not qualify for the Public Employee Retirement System.

         
    What is skimming

     

    In speaking of drawbacks of credit cards another form is the fraud of making copies of stored information upon the credit card, also known as “Skimming”. This has become extremely popular for those who are making the business of stealing other peoples financial information and making use of it. Each time you let your credit card leave your hands, you run the risk of credit card skimming. In general, skimming occurs in a public place such as a restaurant, shop, or retail store. Anyone who is dishonest and in the fraud business such as a cashier or waiter could swipe the credit card for payment of their services and then unbeknownst to you swipe it a second time in a device known as a “skimmer”. A skimmer is a small device that is similar to the size of a pager that has a slot; this is purchased very easily on the internet. What it does is it will record information stored upon a credit card (magnetic strip) and it will do so extremely fast. Then the information that it records is passed to thieves who will then put the information upon a credit card that is counterfeit. This essentially means that your money is now in the hands of the thieves. There is only one way to prevent this action and that is to make sure you always keep a sharp eye upon the credit cards. Skimming has also known to take place at various unwatched ATMS such as those within a mall. Your credit card could become stuck within the ATM or done in such a way that you believe that the ATM has kept your card for some reason, but in actuality, the thief has inserted something within the ATM in efforts to steal your card along with a camera that has recorded your pin number. It is important that you become extremely aware of your surroundings and keep close eyes upon your surroundings. Make sure, if the ATM ever keeps your card that, you immediately report the instance to the bank or Credit Card Company. Additionally, you should ensure that each credit card statement you receive, you carefully examine it for anything that should not be on there. Make sure you keep all limits of credit low upon credit cards to help minimize losses if you do fall prey to skimming. With the risks of being financially crippled, you should be keenly aware of any and all activity in regards to your credit cards.

         
    What is the importance of business loan

     

    To run a success business depends upon a lot of things. A planned business strategy plays an important role. Second and foremost important thing is the finance. Without a good financial backup, you will not be able to get success in your business. Business finance loan may help you in running the business successfully. Business finance loan is especially designed to fit all the business requirements. People from small, medium and big businesses can obtain business finance loan. On the other hand, people with bad credit suffering from CCJ's, bankruptcy, defaults, arrears, etc. can also look for such loans. Whether you are starting a business, expanding your present business or for any other business purposes, business finance loan could help you in all possible way. Main benefits of business finance loan are its flexibility. Business profits are not fixed, it changes almost all the time so, it is a great help for the borrowers to manage their repayment period. Flexible business finance loan makes it more convenient for the borrowers in repaying the loan. To get an easy loan approval, you need to show your business plans, projects and profit statements. You also need to shop around for getting the loans at competitive rates of interest. Browse different financial websites and search for different loan offers. Consider you financial requirements and choose one of the best loan deals. Apply for Business finance loan now through online process and raise funds for your business. Implement your plans and strive for excellence.

         
    What is your bank charging you a guide to bank charges

     

    When you're shopping around for a bank account there are a lot of factors to consider. Many people go for up-front incentives, such as money paid into the bank account, vouchers or a gift. However, it is worth looking at bank accounts in more depth to find out what you might be paying for various transactions. Here are some of the transactions that banks might charge you for. Authorised Overdraft An overdraft is like a short term loan. The bank gives you permission to spend more than the funds you have in your account. This amount is usually fixed in consultation with the bank and may be reviewed at stated periods. Some banks have a free authorised overdraft up to a certain limit and charge for any balance over that limit. This is the best way to arrange an overdraft. Unauthorised Overdraft When customers spend more than they have in their accounts without arranging an overdraft limit, this is known as an unauthorised overdraft. Banks penalise customers heavily for this by charging an unauthorised overdraft fee of more than Ј35 in some cases. The excess spending will also be charged interest at a higher rate than normal. Cheque Services Some banks charge for clearing cheques more quickly than the standard period (this can range from three to seven days depending on the banks involved and the day of the week). There may also be fees for processing cheques in a foreign currency. Taking Money Out Sometimes customers need to set up direct debits, where companies take certain sums from a bank account each month. They may also wish to set up standing orders, where they arrange to pay a certain amount to another bank account or company each month. Some banks charge a setup fee for these services. . It is also worth looking at the daily withdrawal limit on a current account. This can vary widely depending on the bank you choose. Other Bank Charges Banks may also charge for other services such as: 1. setting up a loan facility 2. changing or issuing foreign currency 3. writing cheques that exceed the cleared balance in an account 4. stopping a lost cheque Banks will also charge customers if they have to write to them about an infraction of bank rules, such as exceeding the overdraft limit or defaulting on loan repayments. This means that defaulting customers have to repay the debt as well as the additional charges. Doing some research could save consumers a small fortune in bank charges. In addition for looking for incentives, consumers should look for banks that keep their charges as low as possible. With a bit of digging, it is easy to find banks with: 5. an automatic overdraft limit for which there is no charge 6. free standing orders and direct debits 7. free transfers between banks 8. low unauthorised overdraft fees 9. low charges for other bank transactions Choosing a bank that fits this profile will help with overall financial health.

         
     
         
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