About Dormant Bank Accounts #flight #travel

#cheap flight and hotel deals
#

About Dormant Bank Accounts

Banking experts estimate that up to 5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.





07/01/2018

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About Dormant Bank Accounts #hotel #and #flight #deals

#cheap flight and hotel deals
#

About Dormant Bank Accounts

Banking experts estimate that up to 5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.





07/01/2018

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Health Information for Travelers to Israel, including the West Bank and

#travel to israel
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Vaccines and Medicines

You should be up to date on routine vaccinations while traveling to any destination. Some vaccines may also be required for travel.

Get travel vaccines and medicines because there is a risk of these diseases in the country you are visiting.

Ask your doctor what vaccines and medicines you need based on where you are going, how long you are staying, what you will be doing, and if you are traveling from a country other than the US.

You can get hepatitis B through sexual contact, contaminated needles, and blood products, so CDC recommends this vaccine if you might have sex with a new partner, get a tattoo or piercing, or have any medical procedures.

Although rabies can be found in dogs, bats, and other mammals in Israel, including the West Bank and Gaza, it is not a major risk to most travelers. CDC recommends this vaccine only for these groups:

  • Travelers involved in outdoor and other activities in remote areas that put them at risk for animal bites (such as adventure travel and caving).
  • People who will be working with or around animals (such as veterinarians, wildlife professionals, and researchers).
  • People who are taking long trips or moving to remote areas in Israel, including the West Bank and Gaza
  • Children, because they tend to play with animals, might not report bites, and are more likely to have animal bites on their head and neck.

West Bank and Gaza: Although information on disease risks in these areas is lacking, travelers to these areas should strongly consider getting a typhoid vaccine. You can get typhoid through contaminated food or water. Typhoid vaccine is not necessarily recommended for travelers whose itineraries are limited to Israel.





20/12/2017

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Cheap Laptops In Uk Bank – Best Laptops 2015 #best #travel

#cheap airfare deals
#

Cheap Laptops In Uk Bank

Laptops 2015 – Cheap Laptops In Uk Bank . Contact us cheap laptops | refurbished apple macbook’s, We don’t just sell cheap laptops. you can buy refurbished apple macbook’s, imac’s and ipad’s, used computer at a discount price that will fulfil your requirements. Shopto | video games | home entertainment | tvs | laptops, Online uk video games and console. includes playstation 3, sony ps3, nintendo wii, wii, nintendo ds lite, microsoft xbox 360 and accessories.

Video about Cheap Laptops In Uk Bank

Laptops, cheap laptops low prices uk deals | ebuyer.com, At ebuyer we stock a large selection of cheap laptops from all the leading brands including: acer. a familiar name to many of us acer produce a whole range of. Cheap computers – discount computers – cheap laptops uk, Anyone who is worth mentioning for buying discount computers online in the uk is right here. compare prices and shop online for your cheap computer or discount laptop.

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17/11/2017

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Greek debt relief closer than ever but creditors must act, Greek


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Greek debt relief ‘closer than ever’ but creditors must act, Greek prime minister says

ATHENS Greek Prime Minister Alexis Tsipras kept up his demand for debt relief from international lenders on Tuesday, saying Athens was close to securing a solution to ease its debt mountain but that creditors must meet there commitments.

Greece wants to wrap up negotiations with the lenders — the European Union and International Monetary Find — on reforms and on debt relief this month.

It needs another tranche of bailout money, wants to qualify for inclusion in the European Central Bank’s bond-buying program, and seeks to return to bond markets immediately afterwards.

“We are closer than ever to a substantial solution on debt relief,” said Tsipras reiterating that Greece had already agreed to apply more austerity after its current bailout expires and it was its lenders’ turn to fulfill their promises of discussions about debt relief.

“Τhe ball is no longer in our court,” he told reporters referring to lenders’ statements on debt relief in past years.

Despite Greece’s recent statements and a bailout review agreement at staff level, sources close to the lenders have been less optimistic seeing talks on debt relief lasting longer than May.

This is because of sharp differences between the IMF and Germany, Europe’s paymaster, over the Greece’s fiscal targets. The former says Greece’s target and debt are unsustainable; the latter, with an election coming, is less willing to drop its hard line.

After six months of tense talks, Athens and the lenders reached a deal last week on a set of additional reforms the country needs to implement in 2019-20, two years after its current, 86-billion euro bailout program expires.

Greece wants euro zone finance ministers to approve the reforms’ deal at a scheduled Eurogroup meeting on May 22 — a key condition for unlocking vital loans — but also agree on a formula to make its debt sustainable in the medium-term and long term.

Debt sustainability is key for the European Central Bank and the Washington-based IMF, which participated financially in the country’s first two rescue packages, but has yet to announce whether it will join Greece’s current program, the third since 2010.

Greek lawmakers are expected to vote on the new austerity package by May 18, before euro zone finance ministers assess the country’s progress.

Tsipras, who is sagging in opinion polls and whose term expires in 2019, controls 153 lawmakers in the 300-seat parliament and he is expected to pass the bill.

But the delays in the negotiations have slowed projected economic growth and have exacerbated reform fatigue after seven years of austerity hurting the government’s popularity further.

Asked whether he was considering a cabinet reshuffle, Tsipras ruled it out.

“We are not considering it. Our aim now is to speed up work as much as we can,” he said during a visit at the education ministry, where he announced a planned education reform.

(Additional reporting Angeliki Koutantou Editing by Jeremy Gaunt)

Reuters is the news and media division of Thomson Reuters. Thomson Reuters is the world’s largest international multimedia news agency, providing investing news, world news, business news, technology news, headline news, small business news, news alerts, personal finance, stock market, and mutual funds information available on Reuters.com, video, mobile, and interactive television platforms. Learn more about Thomson Reuters products:

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The industry leader for online information for tax, accounting and finance professionals


03/11/2017

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APMP Professional Certification Program – Association of Proposal Management Professionals #proposal


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Become APMP Certified

APMP offers the world’s first, best and only industry-recognized certification program for professionals working in a bid and proposal environment. APMP certification is the global standard for developing and demonstrating proposal management competency. Achieving APMP certification:

  • Demonstrates a personal commitment to a career and profession.
  • Improves business development capabilities.
  • Creates a focus on best team practices.
  • Gains the respect and credibility of peers, clients and organizational leaders and, in some cases, additional compensation.
  • Reinforces bid/proposal management as an important role within an organization and not as an ad hoc function that anyone can perform.

Your APMP Certification Plan

See which level of APMP Certification you can achieve, based on your industry experience. Each level builds on the prior level, and everyone must start at Foundation before advancing to Practitioner and Professional.

You Should Have

Proposal professionals with 1 to 3 years’ experience

Demonstrates an extensive knowledge and understanding of best practices.

Proposal professionals with 3 to 7 years’ experience

Pract itioner Certification

Demonstrates a mastery of how to apply best practices and lead others in their use.

Proposal professionals with 7 or more year s’ experience

Demonstrates significant contributions to an organization and/or the profession, as well as proven leadership and communications skills.

APMP Certification Levels, Exam Types and Costs

Each level is assessed in a different way, requires a minimum level of experience, and uses a process of examination and competency-based assessment, which is consistent and measured against worldwide best practice standards 1, 2 .

Type of Assessment

* As of June 2016

Register for APMP Certification

Click here to register and pay for the APMP-Foundation™ Level Examination.
Click here to register and pay for the APMP-Practitioner™ Level Assessment.
Click here to register and pay for the APMP-Professional™ Level Assessment.

1 The 2002 APMP Benchmark Study and the Business Development–Capability Maturity Model (BD-CMM) are the basis for the international Bid/Proposal Manager competency standards. Capability Maturity Model and CMM are registered trademarks of the Carnegie Melon Software Engineering Institute

2 The APMP Certification program is administered by The APM Group Ltd. for APMP. The APM Group is a leading Accreditation, Certification and Qualification organization recognized internationally by government agencies.

Additional General Certification Information


12/10/2017

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Cord Blood Registry #cord #blood #banking, #largest, #most #experienced #stem #cell


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It s Nice to Meet You

Complete Your Profile

Birth Details

Payment Details

Confirm Order Details

You will be charged for processing and storage at the time your sample(s) are stored. Fees are incurred and charged at the time services are rendered. All prices are subject to change. Different fees may apply for international customers. Cancellations prior to CBR’s storage of the sample(s) are subject to an administrative fee of $150. If you terminate the Enrollment Agreement after CBR’s storage of the sample(s), you will not receive a refund.

An annual storage fee of $150 for cord blood banking, or $300 for cord blood and cord tissue banking, will be charged each year following your baby’s first birthday.

All major credit cards accepted. Payment plans cover first-year fees only; future annual storage fees are not included.

Important Notes Regarding Financing

Prepaid storage for 2nd year and beyond will be applied to the payment plan’s first month. Prepaid storage does not apply to CareCredit financing. Minimum limits apply for CareCredit financing ( $1,000 for 24, 36, or 48 months).

Payment Plan Disclosures for in-house CBR 6-Month Plan (interest free) – No credit check required. The 6-month plan requires a $10/month administrative fee. The plans may be prepaid in full at any time.

Payment Plan Disclosures for in-house CBR 12-Month Plan (interest free) – No credit check required. The 12-month plan requires a $15/month administrative fee. The plans may be prepaid in full at any time.

Payment Plan Disclosures for CareCredit 48-Month Plan – Availability subject to credit approval. $1,650 or as low as $46 per month. If you pay only the minimum amount it will take you 48 months to pay off the balance and $2,201 total. A 14.90% Extended Payment Plan for 48 Months on purchases of $1,000 or more with your CareCredit card. Fixed minimum monthly payments required. Penalty APR may apply if you make a late payment. On promo purchase, fixed monthly payments equal to 4.8439% of initial purchase balance for 24 months; 3.4616% of initial purchase balance for 36 months; 2.7780% of initial purchase balance for 48 months required, and interest charges will be applied to promo balance at a reduced 14.90% APR if (1) promo purchases paid in full in promotion duration as indicated, and (2) all minimum monthly payments on account paid when due. Purchase APR of up to 29.99% applies to expired promotions and optional charges.

Savings on Lifetime Storage based on the Social Security Administration’s average life expectancy equal to 78 years of storage.

Payment Estimator Additional Disclosure

Estimated first minimum monthly payment. Future minimum payments will vary based on amount and timing of payments, interest rate, and other charges added to account. You may always pay more. The more you pay each month, the quicker your balance will be repaid and the lower your total finance charges will be. For more information about CareCredit’s healthcare payment plans, please visit carecredit.com. If minimum monthly payments are 60 days past due, the promotions may be terminated and a Penalty APR may apply. Standard terms including Purchase APR or Penalty APR up to 29.99% apply to expired and terminated promotions, and optional charges. Subject to credit approval by Synchrony Bank. Other terms and conditions may apply. Please see here for more details.

International clients are responsible for the cost of shipping the collection kit to CBR’s lab; please contact your representative for a shipping cost estimate. Shipping is provided 365 days per year. Clients will receive confirmation once the kit has arrived at the lab. Offices in Mexico are located in Mexico City, Monterey, Merida, and Acapulco for added convenience. In these locations, the collection kit will be picked up from the hospital and transferred to the courier for shipment to the lab. CareCredit extended payment plans are not available to international customers. Fees are in U.S. dollars.

Additional discounts may apply (verification required.) Offer may not be combined with any other discounts, promotions, or coupons.

* Storage Fee(s) for first year will be charged automatically to the credit card at the time of storage.

* Prepaid Storage Fee(s) for Years 2-18 will be charged automatically to the credit card at the time of storage.

* Covers storage fees for the lifetime of the child. Prepaid Storage Fee(s) will be charged automatically to the credit card at the time of storage.

** You will be charged for processing and storage at the time your sample(s) are stored. Fees are incurred and charged at the time services are rendered. All prices are subject to change. Different fees may apply for international customers. Cancellations prior to CBR’s storage of the sample(s) are subject to an administrative fee of $150. If you terminate the Enrollment Agreement after CBR’s storage of the sample(s), you will not receive a refund.

** Installments will be charged monthly to the credit card on file. If prepaid storage is selected, prepaid storage for 2nd year and beyond will be applied to the payment plan’s first month. You will be charged for processing and storage at the time your sample(s) are stored.are incurred and charged at the time services are rendered. All prices are subject to change. Different fees may apply for international customers. Cancellations prior to CBR’s storage of the sample(s) are subject to an administrative fee of $150. If you terminate the Enrollment Agreement after CBR’s storage of the sample(s), you will not receive a refund.

** Total first year fees charged in full to CareCredit card. Monthly payments made to GE Capital/CareCredit based on payment plan selected as discussed with your CBR Representative. Please visit www.CareCredit.com to calculate your minimum monthly payments. Price includes CBR’s CellAdvantage Collection Kit and the CBR services elected by the Client (cell processing of Cord Blood, and/or preparation of Cord Tissue, and cryogenic storage process). You will be charged for processing and storage at the time your sample(s) are stored. Fees are incurred and charged at the time services are rendered. All prices are subject to change. Different fees may apply for international customers. Cancellations prior to CBR’s storage of the sample(s) are subject to an administrative fee of $150. If you terminate the Enrollment Agreement after CBR’s storage of the sample(s), you will not receive a refund.

*** Annual storage fees will be charged automatically to the credit card on file, on or around your baby’s birthday

*** After 18 year term, annual storage fees will be charged automatically to the credit card on file, on or around your baby’s birthday

Congratulations!

You’ve made a great decision for the future health of your family.

We ll Be in Touch

About Cord Blood Registry

Learn about the benefits of saving
your baby’s stem cells

Stay in the Know


05/10/2017

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First Tennessee Bank Locations, Phone Numbers – Hours #first #tennessee #bank


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First Tennessee Bank Locations in Your Area

Learn more about First Tennessee Bank

First Tennessee Bank was established December 1863. That’s more than 150 years ago! It holds assets of 29.4 billion US dollars. This is considered a large bank that most likely serves a large portion of their region. A point to consider when choosing a bank is it’s health. This bank appears to be healthy. It has a texas ratio of 7%. Lower is better!

Looking for an alternative to First Tennessee Bank?

If you’re looking for higher interest rates and lower fees, but are willing to give up the “walk-in” experience of a local branch, you may want to browse our curated selection of best online banks.

First Tennessee Bank Branches Customer Reviews

2 out of 5 stars

Reviewed By glalexander Aug 17, 2017

My family has used FTB in Brentwood for many years. My mother was recently hospitalized and suffered some temporary confusion. During this time, my brother took her to the bank with a power of attorney document he had printed from online. Bank employees notarized this very serious legal document, thereby invalidating one already made by a lawyer. Now that she has recovered enough to realize what happened, the bank refuses to let her revoke the POA even though she has every legal right to do so. I spoke with one employee about this and he admitted he knows nothing about POA although his name appears as part of authorizing the document. This employee as well as the branch manager assured me they would contact me within the day after speaking to the legal department, but neither ever bothered to respond. The negligence and incompetence is astounding and has caused a great deal of stress for a number of people. A bank has no business engaging in such legal matters as this situation clearly attests.

Thank you for your feedback Is this review helpful?

Reviewed By Dormandy Apr 27, 2017

I used to have a F*** Tennessee checking account. I had given a company permission to take payments out of my account. When they kept taking more than I had approved a f*** Tennessee rep called me about being overdrawn. I told her I was being a victim of fraud and to please not give them anymore money. To my suprise she told me that they couldn’t stop the auto payments and only I could do that. I couldn’t believe what she was saying and I again told her I was being a victim of fraud and I would not be responsible for any future withdrawals. Well they continued to allow the withdrawals until they racked up over $1000 in overdraft and then closed the account. When they contacted me about the amount owed I explained what happened and that I wasn’t going to pay it. Well they siued me and rather than getting a lawyer I paid them. I know this is unbelievable but please beware of this SORRY bank. George David Ormandy

Thank you for your feedback Is this review helpful?

Reviewed By PuppyLove May 17, 2016

Advertiser Disclosure: Many of the savings offers and credit cards appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts and credit cards available. Credit score ranges are provided as guidelines only and approval is not guaranteed.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

2017 MyBankTracker


03/10/2017

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Food Bank of Delaware #delaware #county #bank


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Take Action with these Three Ways To Help!

Food Lion Feeds Hunger Relief Day brings in almost 25,000 pounds

Food Lion, the Delaware State Fair and the Food Bank of Delaware announced today that the sixth annual “Food Lion Feeds Hunger Relief Day” – Monday, July 24 – at the Delaware State Fair was a great success. Fair-goers donated 24,829 pounds of food that will be distributed to hungry Delawareans in Kent and Sussex County with the help of.

  • Student pursues passion for food with culinary training program

    Nick Moore has been a student at The Culinary School in Newark for just seven weeks, and he has already found employment in the food service industry. He will be among the first to work at the new Metro Diner in Newark near the Christiana Hospital starting next week. In addition to working at the Metro Diner, Nick will also.

  • Register Now for Culinary Training at the Food Bank of Delaware

    The next class of The Culinary School at the Food Bank of Delaware in both Newark and Milford will begin on Monday, September 25, 2017. Applications are currently being accepted for interested students. The Culinary School at the Food Bank of Delaware has been in existence since 2002. Since its inception more than 565 students have graduated. The program is.

  • Gain Free Admittance to Delaware State Fair during “Food Lion Feeds Hunger Relief Day” on July 24

    Food Lion, the Delaware State Fair and the Food Bank of Delaware announced today that the sixth annual “Food Lion Feeds Hunger Relief Day” will take place on Monday, July 24 at the Delaware State Fair. Fair attendees who bring five Food Lion brand canned or boxed goods will in exchange receive free gate admittance to the Delaware State Fair.

  • Food Access Over the Summer and Seasonal Foods

    By Laura Sahd RD, Community Nutritionist Summer is the perfect season to soak up the sun, spend time with family, and get local, fresh produce for those summer night cookouts! Summer is the main growing season for Delaware farmers. Fruits and vegetables abundant during the summer months include: most berries, melons like cantaloupe and watermelon, corn, peaches, tomatoes, onions, leaf lettuce, squash.

  • Surplus produce donations help feed Delawareans

    Have surplus produce? The Food Bank of Delaware can accept it! With summer’s crop of tomatoes, cucumbers, watermelons, sweet corn and more in almost full bloom, the Food Bank of Delaware wants to remind the community that the hunger-relief organization and many of its network partners can accept fresh produce donations. 114,000-plus Delawareans depend on the Food Bank of Delaware’s network.

    NEED HELP?

    If you are hungry or otherwise in need of assistance, please contact the Delaware
    Helpline by dialing 211. Visit the Delaware Helpline Website for more information
    and helpful resources.

    If you’re in need of monthly food assistance, apply for SNAP benefits.

    To find a food closet near you, please click here .


    02/10/2017

    Posted In: NEWS

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  • Best CD Rates #cd #rates, #best #cd #rates, #certificate #of #deposit,


    #

    Finding the Best CD Rates

    By MoneyRates Team

    CD rates can vary greatly from bank to bank, even among CDs of the same length. Shopping around for the best CD rates can make the difference between earning some extra money and missing out on an opportunity.

    Here s an example: consider two 5-year CDs, each with $50,000 deposited in it. One has an annual percentage yield (APY) of 2.35 percent, while the other has an APY of 1.80 percent. How much of a difference in earnings would that APY difference make over the terms of these CDs?

    Here s how much each CD would be worth at the end of five years:

    Estimated savings at end of 5 year CD term

    * doesn’t include fees

    There may be other differences to consider, such as fees or early withdrawal penalties, but just on the basis of their interest rates, finding the higher-yielding CD in this case would be worth nearly $1,500 over five years. Who would want to leave that kind of money on the table?

    To help you get more for your money by shopping for better bank rates, MoneyRates has compiled a searchable database of different rates offered by banks around the country. Using the tool below, you can specify the type of account, desired CD length, and amount of deposit. The results will allow you to compare different rates on deposit accounts that meet your specifications.

    Here are four other key considerations as you shop for the best CD rates:

    1. Higher CD rates vs. risk of early withdrawal fees

    Generally speaking, the longer the CD term, the higher the yield. But rates can change. If you lock into a CD and interest rates stay the same or fall during the term, it s no problem. If rates climb in the months or years after, you’ll wonder what your options are for taking advantage of higher rates.

    How to minimize impact of withdrawal penalties

    If this is a major concern, focus on where the withdrawal penalty is low enough that it might make sense to take the hit and then reinvest at the higher rate. Be sure to crunch the numbers before moving your money.

    Here’s an example that might help: You open a 2-year CD with a 2% APY and an early withdrawal penalty of six months in interest. CD interest rates have since climbed to 5% in this scenario.

    Why look for higher CD rates

    If you break your CD to open a new one with a higher rate, it will cost you half your interest to that point, effectively reducing your APY for the first year to about 1%. But, if you re able to secure that 5 percent interest rate during the second year, your average APY for the two-year term will equal about 3%, or 1% more annually than you would have earned if you stuck with the original CD.

    To make this a viable strategy, you should review the potential penalties before you open a new CD. If you find two CDs that are identical in most ways, compare their early withdrawal penalties. The one with the smaller penalty may offer you more flexibility if you need to exit the account sometime during the term.

    2. CD interest rates and trends

    You don’t have to be an economist to follow interest rate trends, including for short term CD rates . For most savers, paying attention to the news headlines is enough. Decisions that could move short term interest rates are made by the Federal Open Market Committee.

    Historically, interest rates have dipped lower, lower and then lower again, affecting deposits of all stripes, including CDs. Here’s a look at the average yield on a 12-month CD since 2009. This makes shopping around critical in maximizing your savings.

    3. The power of the CD ladder

    If you d like your savings to earn maximum interest while still maintaining some regular liquidity, a CD ladder may be the way to go. This consists of multiple CDs with staggered maturity dates, which allows you regular, penalty-free access to a portion of your savings while still earning higher interest rates overall.

    Why invest using a CD ladder

    This is a great option if you intend to use or reinvest some portion of your savings on a regular basis, but don t anticipate needing the whole of it at any given time. When done correctly, you can end up with a stable of long-term CDs in which at least one account reaches maturity every few months, offering you the option to access it or simply push it ahead to reach maturity at a chosen point in the future. After seeing your options, narrow down your list for the best long term CD rates .

    Length of CD terms

    4. Unconventional CDs

    While traditional CDs are by far the most popular type, some banks offer their own twist on the usual product. A raise-your-rate CD is a special type of certificate that allows you to bump up your interest rate one or more times during the term (assuming rates have in fact risen), and indexed CDs forgo a fixed interest rate in favor of a variable rate that moves in accordance with a benchmark indicator.

    Foreign CD investments

    Even more exotic, CDs that are denominated in foreign currencies allow investors to effectively gamble on the relative values of a nation s currency. These vehicles may come with more risk than a typical CD though, as they may allow a loss in principal if the chosen currency loses value over the course of the term.

    FDIC insurance coverage and CDs

    If safety and stability are paramount to you, a conventional CD may be your best choice so long as you ensure that the bank you choose is insured by the FDIC. FDIC insurance coverage is designed to protect funds up to $250,000 per depositor, per institution in the event of a bank failure, and it has never failed to cover insured deposits since the FDIC s inception in 1933.

    FDIC-insured banks must display the FDIC emblem in their branches or, in the case of online-based banks, on their website. Credit unions also have deposit insurance and are considered just as safe as traditional banks.

    Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

    Certificate of Deposit Accounts


    25/09/2017

    Posted In: NEWS

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    CORD: USE #cordblood #bank


    #

    Protect your baby’s health,
    starting from day one. We can help.

    Why Expectant Parents Bank Cord Blood

    Expectant parents choose to bank their cord blood for one reason – to help protect their family’s health.

    Cord blood has been used to successfully treat over 70 life-threatening illnesses. Among them are leukemia, lymphoma, thalassemia, and sickle cell disease, to name a few1 .

    1 – Parent’s Guide to Cord Blood Foundation, Diseases Treated, http://parentsguidecordblood.org/diseases.php (accessed Oct 13, 2015).

    There are also hundreds of human clinical trials being performed using cord blood to treat conditions and diseases that affect millions of people in the U.S. alone. These trials involve regenerative medicine and other applications for the treatment of Diabetes, Cerebral Palsy, Autism, Strokes, Neonatal & Pediatric Brain Injury, Alzheimer’s & Spinal Cord Injury to name a few (see www.clinicaltrials.gov). The existence of clinical trials does not guarantee that cord blood will be successful in the treatment of those diseases in the future. While you can’t plan on health issues your child may face, you can have possible treatment options.

    Why C O RD. USE ?

    Because the team at CORD:USE is made up of many of the world’s leaders in cord blood banking, science and transplantation and because it leads the industry in cord blood protection, CORD:USE is truly unlike any other cord blood bank.

    • Obstetrician Led
    • Team of world leading experts in cord blood banking, science and transplantation
    • Operates Leading High Quality Family Cord Blood Bank
    • No other bank uses the same combination of highly advanced technologies to protect cord blood
    • Operates Leading High Quality Public Cord Blood Donation Bank chosen by HRSA of U.S. Department of Health and Human Services to help build the National Cord Blood Inventory

    Our Expertise

    The members of the team at CORD:USE are credited for discovering the field of cord blood banking and transplantation. With more than 150 years of combined knowledge and experience, our team members are universally recognized as pioneers and leading experts in the field.

    Operating both a family and public bank, CORD:USE cord blood units have been used in more transplants in the past 9 years than the two largest family cord blood banks have been involved in over their combined past 43 years of business2,3 .

    2 – Cbr, cord blood registry, Cbr families’ stem cell units used to date. [Available at http://www.cordblood.com/best-cord-blood-bank/stem-cell-therapy/advancing-stem-cell-therapies (accessed Oct 13, 2015)].
    3 – Viacord transplant summary. [Available at http://www.viacord.com/Images/ViaCordTransplantSummary_300_tcm117-156341.pdf (accessed Oct 13, 2015)].

    Our Family Bank

    Directed by many of the world’s leaders in cord blood, we use highly advanced technologies to best protect your baby’s cord blood.

    Choosing CORD:USE means the assurance of the very best care for your family’s cord blood.

    Our Public Bank

    Because of our high quality, our Public Bank was selected by HRSA of U.S. Department of Health and Human Services to help build the National Cord Blood Inventory.

    Bank With The Leaders.


    23/09/2017

    Posted In: NEWS

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    Virginia Banks, Banks in Virginia, armed forces bank online banking.#Armed #forces


    #

    Virginia Banks

    Armed forces bank online banking

    • Access National Bank: Reston, Chantilly, Vienna Tysons
    • Alliance Bank: Locations in Northern Virginia
    • American National Bank and Trust Company: Danville, Pittsylvania County, Collinsville, Martinsville, South Boston, Yanceyville, Lynchburg, Lovingston
    • Armed Forces Bank: Fort Myer, Norfolk – VIRGINIA. Additional Locations in: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, Nevada, New Jersey, North Dakota, Texas, Virginia, Washington, Wyoming
    • BBCN Bank
    • BBCN Center Bank: D.C. LPO – Annandale, VA
    • BB T Banking: Bank subsidiaries operate more than 1,400 branch offices in the Carolinas, Virginia, West Virginia, Kentucky, Georgia, Maryland, Tennessee, Florida, Alabama, Indiana, and Washington, D.C.
    • Bank of Botetourt: Buchanan, Buchanan, Daleville, Eagle Rock, Troutville, Bonsack, Lexington, Peters Creek, and Fairfield.
    • Bank of Clarke County: Berryville, Boyce, Winchester, Stephens City
    • Bank of Floyd: Floyd, Christiansburg, Roanoke, Hillsville, Salem, Willis
    • Bank of Goochland: Goochland, Manakin Sabot
    • Bank of Hampton Roads: Chesapeake, Norfold, Suffolk, Virginia Beach
    • Bank of McKenney: Colonial Heights, Matoaca, Dinwiddle, McKenney, Sutherland, Ettrick
    • Bank of Powhatan.: Powhatan, VA
    • Bank of Southside Virginia (BSV): Boykins, Capron, Carson, Chester, Colonial Heights, Dinwiddle, Franklin, Greensville/Emporia, Jarratt, Perersburg, Prince George, Rohoic/Edgehill, Smithfield, Stony Creek, Wakefield
    • Bank of the Commonwealth: Chesapeake, Norfolk, Portsmouth, Virginia Beach
    • Bank of the James: Lynchburg, Madison Heights, Forest, Moneta
    • Blue Grass Valley Bank: Monterey and Blue Grass Virginia
    • Burke and Herbert Bank: Alexandria, Arlington, Falls Church, Springfield, Woodbridge
    • Capitol One Bank
    • Cardinal Bank: Alexandria, Annandale, Arlington, Chantilly, Clifton, Fairfax, Fredericksburg, McLean (Tysons Corner), Herndon, Leesburg, Manassas, Purcellville, Reston, Stafford, Sterling, Woodbridge + a location in Washington DC
    • Central Virginia Bank: Powhatan, Cartersville, Midlothian, Cumberland, Richmond
    • Chesapeake Bank: Kilmarnock, Irvington, Lively, Mathews, Hayes, Gloucester, Williamsburg
    • Citizens and Farmers Bank: West Point, Providence Forge, Quinton, Williamsburg, Norge, Midlothian, Mechanicsville, Sandston, Richmond, Saluda, Newport News, Yorktown, Hampton
    • Colonial Savings, F.A.: Fairfax, Virginia
    • Community Bank: Staunton, Waynesboro, Stuarts Draft, Raphine, Verona, Virginia Beach
    • Community Bankers’ Bank: Midlothian, Virginia
    • E*Trade Bank: Merrifield, VA
    • Essex Bank: Tappahannock, Manquin, Mechanicsville, West Point, Glen Allen
    • Farmers and Merchants: Timberville, Broadway, Elkton, Bridgewater, Edinburg, Woodstock, Harrisonburg, Luray
    • Farmers and Miners Bank: Cumberland Gap, Rose Hill, Pennington Gap, Weber City, Wise, and Clintwood
    • Farmers Bank: Windsor, Smithfield, Suffolk
    • First Bank: Winchester, Front Royal, Stephens City, Strasburg, Woodstock, Mt. Jackson, New Market
    • First Bank : Serving North Carolina, South Carolina and Virginia Communities
    • First Bank and Trust Company: Lebanon, Abingdon, Bristol, Glen Allen, Wise, Norton, Staunton, Verona, Harrisonburg, Blacksburg, Wytheville + locations in TN
    • First Capital Bank: Glen Allen, Richmond, Ashland, Petersburg
    • First Citizens Bank : Locations in the following states; Maryland, North Carolina, Tennessee, Virginia, and West Virginia
    • First Community Bancshares: Bluefield, Virginia *
    • First Sentinel Bank: Richlands, Pounding Mill, Tazewell, Lebanon
    • Franklin Federal Savings and Loan: Glen Allen, Richmond, Chesterfield, Mechanicsville
    • Freedom Bank of Virginia: Vienna, Fairfax
    • Friedman, Billings, Ramsey Co: Investment Bank; Arlington, VA
    • Gateway Bank : Chesapeake, Emporia, Norfolk, Virginia Beach + locations in NC
    • Hanmi Bank : Virginia LPO; Annandale, VA
    • Heritage Bank: Norfolk, Chesapeake, Virginia Beach
    • Highlands Union Bank: Abingdon, Bristol, Marion, Glade Spring + locations in Tennessee and North Carolina
    • Lee Bank Trust Company: Abingdon, Bristol, Dryden, Jonesville, Pennington Gap
    • Monarch Bank: Chesapeake, Virginia Beach, Norfolk
    • National Bank of Blacksburg: Blacksburg, VA
    • National Cooperative Bank: Virginia – Operations Center: 2011 Crystal Drive, Suite 800, Arlington, VA 22202

  • New Peoples Bank, Inc.: Abingdon, Big Stone Gap, Bluefield, Bristol, Castlewood, Cleveland, Clintwood, Davenport, Dungannon, Esserville, Gate City, Grundy, Haysi, Honaker, Lebanon, Lee County, Pound, Pounding Mill, Richlands, Tazewell, Weber City + Locations in West Virginia and Tennessee
  • Oba Bank: Arlington VA + locations in Maryland and Washington DC
  • Old Point Financial Corporation: VI
  • PNC Bank: Several Locations in the US
  • Powell Valley National Bank: Jonesville, Pennington Gap, Big Stone Gap, Wise
  • Premier Bank
  • Presidential Online Bank: Rosslyn, McLean, Ballston, Reston, Tysons, Leesburg + locations in DC and Maryland
  • Regions Bank: Locations in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, Virginia
  • Shore Bank: Cheriton, Chincoteague, Exmore, Onley, Parksley + a location in Salisbury, MD
  • Silicon Valley Bank: Virginia Locations: Vienna, VA – Northern Virginia
  • The Bank of Charlotte County: Charlotte County
  • The Bank of Fincastle: Bedford, Blue Ridge, Roanoke, Daleville, Troutville
  • The Fauquier Bank (TFB): Bealeton, Catlett, Manassas, The Plains, Warrenton
  • The Middleburg Bank: Middleburg, Leesburg, Purcellville, Ashburn, Reston, Warrenton
  • TowneBank: Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, Virginia Beach, Williamsburg, Yorktown
  • TruPoint Bank: Lebanon, St. Paul, Abingdon, Bristol, Richlands, Grundy + a location in Tennessee
  • Union – First Market Bank : locations in Central Virginia
  • United Bank
  • United Bank: Virginia, Washington D.C., Maryland
  • United Bankshares, Inc (UBSI).: West Virginia, Virginia, Maryland, Ohio, and Washington, D.C *
  • Village Bank: Midlothian, Chester, Chesterfield, Richmond
  • Virginia Commerce Bank: Arlington, Alexandria, McLean, Annandale, Fairfax, Vienna, Reston, Lake Ridge, Chantilly, Manassas, Springfield,
  • Virginia Community Bank: Culpeper, Fredericksburg, Orange, Mineral, Louisa
  • Wachovia: Several Locations
  • Woodforest National Bank: locations in TX, NC, and Virginia
  • Associations

    Armed forces bank online banking

    Armed forces bank online banking


    20/09/2017

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    RV, Motorhome or Camper Insurance Quote – RBC Insurance #rv #insurance


    #

    Car Insurance

    • Car
      Insurance
    • Motorcycle
      Insurance
    • RV Other
      Vehicle Insurance
    • Claims
      Customer Service

    From spending weekends in your single-room camper to exploring new places in your luxury motorhome, we can offer the affordable insurance protection you need. We can even insure a snowmobile or ATV, or personal supplies.

    • If you have a camper or trailer that you tow behind another vehicle, we can help you get the insurance you need for your camper or trailer and the car, truck or SUV you use to tow it (6 ). You could even save up to 14% with a multi-vehicle discount (2 ) .
    • If you own a motorhome, we’ll offer the coverage you need to protect your RV as well as the furnishings and appliances that were originally installed in your motorhome.
    • Get an RV or Other Vehicle Insurance Quote

    Choosing the right coverage for your RV or other vehicle

    For help choosing the right protection, see how much RV insurance coverage you are required to have by law as well as the coverage we recommend:


    09/09/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , ,

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    About Dormant Bank Accounts #tickets #travel

    #hotel flight deals
    #

    About Dormant Bank Accounts

    Banking experts estimate that up to 5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

    A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

    If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

    The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

    There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

    The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

    Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

    You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

    If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.





    07/09/2017

    Posted In: NEWS

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    Health Information for Travelers to Israel, including the West Bank and

    #travel to israel
    #

    Vaccines and Medicines

    You should be up to date on routine vaccinations while traveling to any destination. Some vaccines may also be required for travel.

    Get travel vaccines and medicines because there is a risk of these diseases in the country you are visiting.

    Ask your doctor what vaccines and medicines you need based on where you are going, how long you are staying, what you will be doing, and if you are traveling from a country other than the US.

    You can get hepatitis B through sexual contact, contaminated needles, and blood products, so CDC recommends this vaccine if you might have sex with a new partner, get a tattoo or piercing, or have any medical procedures.

    Although rabies can be found in dogs, bats, and other mammals in Israel, including the West Bank and Gaza, it is not a major risk to most travelers. CDC recommends this vaccine only for these groups:

    • Travelers involved in outdoor and other activities in remote areas that put them at risk for animal bites (such as adventure travel and caving).
    • People who will be working with or around animals (such as veterinarians, wildlife professionals, and researchers).
    • People who are taking long trips or moving to remote areas in Israel, including the West Bank and Gaza
    • Children, because they tend to play with animals, might not report bites, and are more likely to have animal bites on their head and neck.

    West Bank and Gaza: Although information on disease risks in these areas is lacking, travelers to these areas should strongly consider getting a typhoid vaccine. You can get typhoid through contaminated food or water. Typhoid vaccine is not necessarily recommended for travelers whose itineraries are limited to Israel.





    29/08/2017

    Posted In: NEWS

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    MLB BankAmericard Cash Rewards MasterCard – Apply Online #mlb #bankamericard #cash


    #

    MLB BankAmericard Cash Rewards Mastercard

    Credit Needed
    Excellent/Good

    • New Offer: $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • All 30 team cards are available, customized with your favorite team’s colors and logo
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No annual fee
    • No changing categories and no expiration on rewards
    • Get a 10% customer bonus every time you redeem cash back into a Bank of America checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% – 23.99% variable APR. 3% fee (min $10) applies to balance transfers

    at Bank of America s
    secure site

    • Purchases Intro APR 0% Introductory APR on purchases for 12 billing cycles Balance Transfers Intro APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days Regular APR 13.99% – 23.99% Variable APR on purchases and balance transfers Annual Fee $0 Credit Needed Excellent/Good

    See the online MLB BankAmericard Cash Rewards Mastercard application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the Apply Now button you can review the credit card terms and conditions on the credit card issuer’s web site.

    * For additional rates, fees and costs see issuer’s website for detailed pricing and terms.

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    CARDMATCH is a free, secure service that will not affect your credit score. Simply provide your basic information, and view offers that match your credit profile within seconds.


    28/08/2017

    Posted In: NEWS

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    FamilyWealthReport – Exclusive Intelligence for the family office community #family #office,family


    #

    Josh O’Neill, 23 June 2017

    The results of the first phase of the US Federal Reserve’s stress test are music to congressional Republicans’ ears.

    Robbie Lawther, 22 June 2017

    UBS Wealth Management has published a white paper on Millennial wealth to explore how their desire for technology how this will impact the financial services sector.

    Diane Harrison, 21 June 2017

    Best-selling novelists may hold a clue on the smart way for investment firms to pitch their ideas to wealth managers, so the author of this article argues.

    Tom Burroughes, 20 June 2017

    Wealthy families need to observe certain disciplines in using social media so that reputations are protected and nurtured. The family office firm talks to FWR about some of the issues.

    Latest News

    Market Research – June 23, 2017

    New data on the cannabis industry outlines a growth pattern that will likely blow your mind.

    Strategy – June 23, 2017

    Several large international banks have voted to replace a key inter-bank lending rate.

    New Office – June 23, 2017

    The new center is located in Union Square, Manhattan.

    New Office – June 23, 2017

    The bank has revamped one of its branches in the Golden State.

    People Moves – June 23, 2017

    Financial services giant Raymond James serves more than 3 million client accounts through 7,200 financial advisors in the United States, Canada and overseas.

    Comment and Analysis

    Philanthropy – June 7, 2017

    A regular columnist for FWR does not pull any punches in analyzing the current direction of US tax policy as it affects philanthropic giving, and gives advice to wealthy donors on how to act.

    Investment Strategies – May 22, 2017

    Whatever one thinks of the claims and counter-claims surrounding Donald Trump following his recent firing of the FBI’s head, markets have been rattled. But arguably, equities are due for a correction and there i.

    Technology – May 19, 2017

    The wealth management industry has had another ear-piercing wake-up call about cybercrime, and the author of this article lays out ideas on how to defeat the hackers.

    Technology – May 8, 2017

    Your correspondent recently attended financial technology giant Temenos’ annual conference and it threw out a range of insights of value for the global wealth industry.

    Philanthropy – April 26, 2017

    Negotiating a successful gift considers both parties� interests and finds the commonalities of intent and opportunity, argues philanthropy advisor and expert Susan Winer.

    Most Read

    More Stories

    Latest Poll


    25/08/2017

    Posted In: NEWS

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    Bank With No Fees Checking and Savings #big, #bank, #no, #fee,


    #

    Bank With No Fees [Checking and Savings]

    A message and a $50 bonus

    I sent this info as an email to all my subscribers yesterday but since debit card banking fees are such a hot topic right now figured I needed to share it publicly. More on the $50 bonus in a minute.

    I saw a World News special last night about how so many American s are fed up with big banks and their new fees, specifically the $5/month fee Bank of America is charging customers for using a debit card. That is just horrible charging us to use our own money where will it end?

    I saw the light years ago and did A LOT of research into what banks give great service with no fees. I found three solid options.

    Rewards debit w/your existing account

    This is a perfect option for Bank of America customers.

    How can you get 2% rewards cash back on all debit purchases, and 5% on select debit purchases without having to switch banks? Simple, use PerkStreet.

    Here are some of the benefits PerkStreet delivers:

    • Keep your existing bank Sign up and link your PerkStreet account to any other bank account for free. Transfer money when you need it, always free.
    • 2% cash back on debit purchases You re rewarded for spending money you already have rather than using credit cards (which I ll never recommend).

    Read more about PerkStreet Financial Rewards Debit and sign up if it suits you and you re ready for a simple debit card change.

    No fee checking accounts

    The banks I recommend lock, stock, and barrel are Capital One 360 and Ally Bank. They are both online banks, that also allow for paper checks if you so desire. The reason they can survive and even thrive in this economy is because they have no brick and mortar branch offices to maintain and that savings gets passed straight down to us.

    The other recommendation I have is to open an account with your local credit union as a supplemental account (or clearinghouse if you will) for your online accounts with either Capital One 360 or Ally.

    Personally, Betsy and I have accounts with Capital One 360, Ally, and our local credit union, but we mostly use Capital One 360 they are simply fantastic and I recommend them in full confidence.

    Read more about their checking accounts by following the links below and make the switch if you like what you see.

    And savings accounts

    If you re looking for information on savings accounts, use these links for Capital One 360 and Ally Bank .

    Let me know if you have any questions and I ll do my best to help.

    Betterment is one of my two favorite ways to earn interest on my savings! They have an awesome program for the Average Joe to save and invest simply and effectively. There are no minimum balance requirements and no transaction fees. Read my Betterment Review or open an account to get started earning now.

    Article by Matt Jabs

    Matt has written 321 articles for Debt Free Adventure!

    Matt created Debt Free Adventure to help people pay off debt so they can build wealth and give generously. He is passionate about holistic stewardship and helping you pay off debt, save, give, and live your mission. Connect with Matt on Facebook. Twitter. and the +Matt Jabs Google profile.

    Have a question?

    Feel free to ask for advice by visiting the Ask Matt Jabs page.

    Like what you see?

    Read more in the DFA archives and grab the free email updates .

    Thanks for stopping by, share this info with your loved ones and help us change the world!

    3 great choices Ally, Perkstreet and ING. I have accounts at all three and love them!

    2% back on PerkStreet requires a $5k monthly minimum. Otherwise, it is 1% cash back. I am confused why you would recommend keeping your existing account if there are monthly fees attached to it. That would defeat the purpose of the savings of PerkStreet card. It would be like using a rewards credit card but carrying a balance on it.

    The BOA fees are only for debit card use, so people who don t want to switch could keep their checking account but use the PerkStreet debit card to avoid the fees and earn rewards.

    USAA is open to everyone for banking not just military members. No hidden fees just free bank accounts with ATM fee reimbursement.

    Agree that Ally is a great online bank for savings and 2-month penalty 5 year CD.

    My friend Rodney is a veteran; he uses USAA for everything. There offerings to non-military is a newer thing so thank you for bringing this up I have heard they are a very solid online bank, though I cannot verify that from personal experience.

    Maybe it s time we open up accounts with credit unions

    Yeah, that s one of the suggestions.

    I m actually currently banking with a credit union and they charge me $5 a month just to have a checking account. I think I might consider doing away with it and going online.

    I say go for it if it saves you $5 every month.


    24/08/2017

    Posted In: NEWS

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    Savings account internet #community #bank, #banking, #bank, #loans, #deposits, #savings, #financial


    #

    Savings

    Your financial needs are important to us and we want to help you achieve your financial goals. Whether you are looking to start your savings program or you are looking for a high-yield money market account, Farmers State Bank has the account for you.

    HI-FI Investment Account

    For savers who want to earn better interest rates on their deposits than a statement savings account.

    If you re looking for a good high-yield investment account that earns interest, you ve found it. This is for customers who keep high balances, do not need to make withdrawals and want to maximize the interest they earn. Plus, interest is compounded and credited monthly.

    Your HIFI Account includes:

    • Minimum opening balance of $2,500
    • $10 monthly balance fee if balance falls below $2,500
      or below the minimum average daily balance of $5,000
    • Minimum withdrawal is $500
    • Limit of 6 transfers to other accounts or third
      parties with preauthorization per statement cycle
    • Free telephone and online banking
    • Interest rate paid rises at each of the following
      balances: $10,000, $50,000 and $100,000
    • Free FSB mobile banking*
    • Free FSB SMS text banking*

    Note: Other conditions and fees may apply
    The interest rates and annual percentage yields may change at any time

    *Msg/Data rates may apply

    Statement Savings

    Savers who want to earn interest on their deposits and receive a monthly statement.

    This is a flexible account that records monthly statement activity. Interest is posted to your statement savings each month. This account is perfect for individuals, families, minors, senior citizens and anyone wanting convenience and flexibility. The statement can be tied to a checking account statement for ease in reconciling accounts.

    Your Statement Savings account includes:

    • $50 opening deposit required
    • $2 monthly balance fee if balance falls below $200; fee waived if over age 62, under age 18 or are a charitable organization
    • Free telephone and online banking
    • Limit of 6 transfers to other accounts or third parties with preauthorization per statement cycle
    • Must maintain a minimum average daily balance
      of $100 to obtain the disclosed annual percentage yield
    • Free FSB mobile banking*
    • Free FSB SMS text banking*

    Note: Other conditions and fees may apply
    The interest rates and annual percentage yields may change at any time

    *Msg/Data rates may apply

    Christmas Club

    This account allows customers to have a dedicated account to make steady deposits throughout the year.

    It s never too early to start saving for the holiday season. The Christmas Club account makes it easy. A small regular deposit can grow into a substantial holiday fund. In early October, we will mail you a check in time to start your holiday shopping.

    Your Christmas Club account includes:

    • Minimum initial deposit $1
    • No monthly maintanence fee
    • No minimum balance required
    • No monthly deposit minimum
    • Check received in the fall for holiday shopping

    Note: Other conditions and fees may apply

    The interest rates and annual percentage yields may change at any time


    24/08/2017

    Posted In: NEWS

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    DEBKAfile, Political Analysis, Espionage, Terrorism, Security #bashar #assad, #barack #obama, #binyamin


    #

    DEBKAfile Exclusive Analysis Jul 27, 2017, 7:04 AM (IDT)

    The Netanyahu government has caved in to combined Palestinian and Israeli Arab pressure. By Thursday morning, July 27, all the security measures, metal detectors, cameras and fences, had been removed from Temple Mount, and the bodies of the three Israeli Arabs who murdered to Israeli police officers handed over to their families.They were hailed as martyrs of occupied Umm al-Fahm. In the Old City of Jerusalem, joyous Palestinians handed out candy, fired off crackers.

    DEBKAfile Exclusive Report Jul 25, 2017, 4:08 PM (IDT)

    Russia quietly moved troops to a point in southern Syria that lies 8km from Israel s Golan border, in the face of Israeli objections. Moscow used the uproar over the Temple Mount standoff and the diplomatic crisis between Israel and Jordan to cover its creeping troop deployment almost up to Syria s borders with Israeli and Jordan. Israeli leaders inspected the new deployment Tuesday, July 25..

    DEBKAfile Special Report Jul 24, 2017, 11:48 PM (IDT)

    The diplomatic crisis between Jordan and Israel lasted a day and a half before it was resolved. By late Monday, July 24, the Israeli embassy staff was free to leave Amman and drove through the Allenby Bridge crossing on their way home. Among them was the security guard, who Sunday shot dead two Jordanians in a struggle after he was stabbed with a screwdriver.

    DEBKAfile Special Report Jul 25, 2017, 4:28 PM (IDT)

    Thousands of splinter organizations dedicate their every waking moment to posting falsified narratives, videos and pictures on the web with the aim to mislead students and try and draw them into joining what is known as the BDS movement. Whilst the raging wars of yesterday were once on the ground, today they are most certainly fought in cyber space.


    19/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

    Leave a Comment

    Term Life Insurance Policies – RBC Insurance #term #life #insurance #policy


    #

    Term Life Insurance

    You are on: Overview

    Why choose term life insurance?

    Term life insurance is simple to buy and easy to afford. This makes it the ideal way for young families to get the financial security they need.

    Our plans provide protection for 10 to 40 year periods. If you die within the covered period (3). your beneficiaries receive the amount of the policy tax-free (4) and can use this money any way they want. For example, they can use it to:

    • Maintain their lifestyle and pay day-to-day expenses
    • Pay for your children’s education
    • Pay off loans and debts
    • Cover expenses like funeral costs

    Select the term that’s right for you.

    Term life insurance covers you for 10 to 40 year periods. Coverage automically renews annually after the initial Term until age 100 at which time coverage continues but premiums are no longer required.

    You can also convert our term life insurance policies into permanent life insurance or universal life insurance until you are 71 years old without answering questions about your health or taking a medical exam (2) .

    How much coverage do you need?

    A general rule is 5-7 times your salary. So if your annual income is $40,000, you may want to purchase at least $200,000 in term life insurance.

    We offer the following coverage options:

    • RBC Simplified Term Life Insurance
      Coverage under $500,000, with any term between 10 to 40 years.
    • Your Term Life Insurance
      Coverage from $500,000, with any term between 10 to 40 years.

    Get Your Quote Today

    Start your quote or call us today to apply for the life insurance protection your family needs. After getting a quote, you may be eligible to buy your coverage online.


    16/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , ,

    Leave a Comment

    Ulster Savings Bank #rhinebeck #saving #bank


    #

    LOAN INTEREST RATES Find your local Mortgage Specialist

    rates updated 6/7/2017

    *APR = Annual Percentage Rate. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater.

    ** The APR for 15-Yr Fixed / 1-Yr Adjustable, 10-Yr Fixed / 1-Yr Adjustable, 7-Yr Fixed / 1-Yr Adjustable, 5-Yr Fixed / 1-Yr Adjustable and 3-Yr Fixed / 1-Yr Adjustable mortgage products may be increased during the loan term.

    *** The initial rate will be the floor rate. The first adjusted payment is based on a current index, plus a margin, subject to the floor rate and annual and lifetime adjustment caps.

    ^ A loan is considered jumbo if the amount of the mortgage exceeds conforming loan limits as set by Fannie Mae and Freddie Mac.

    Rates subject to change. Loans are subject to credit approval. Other conditions may apply. Ulster Savings Bank cannot be held responsible for online calculator errors.

    CONSTRUCTION RATES

    CALL US FOR THE MOST CURRENT CONSTRUCTION LOAN RATES.

    FIXED RATE HOME EQUITY LOAN RATES

    rates updated 6/7/2017

    *** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors.

    Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All money market accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, computer, check, debit card or similar order and telephone transfer are limited to six (6) per statement cycle.

    *Variable rate accounts are those marked with an asterisk (*).

    CD RATES

    rates updated 6/7/2017

    * 20 Month PROMO CD requires customer to have or open a Premium 50+, VIP or Wall Street checking with Ulster Savings Bank. Offer not available for non-personal accounts. You must be 18 years of age or older to open this account. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Rates are subject to change and offer may be withdrawn at any time.

    **For all 7 and 13 month tier CD accounts a customer must open or maintain an Ulster Savings Bank checking account and have direct deposit to a Ulster Savings Bank checking or savings account to be eligible for this account.

    *** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors. A penalty may be imposed for early withdrawal and may reduce earnings.

    Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit until maturity for accounts with terms. All certificate of deposit accounts are fixed rate accounts. Fixed rate accounts with specific maturities are in effect until maturity (ie 7 day, 91 day, etc). Fees charged for maintenance or certain transactions on any account may also reduce earnings.

    Customer Service Center

    Routing Number: 221971264

    Investment, Tax, Payroll and Insurance products and services offered through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc. subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.


    08/08/2017

    Posted In: NEWS

    Tags: , ,

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    Lloyds Bank – UK Insurance – Travel Cover #travel #bug

    #travel insurance quote
    #

    At a glance

    Make sure you ve got it covered when you take off for a spot of globe-trotting. With cover that ranges from emergency medical expenses and personal accident to baggage (if selected), you ll feel secure with Lloyds Bank Travel Insurance (sold, administered and underwritten by AXA Insurance UK plc).

    Things you should know

    If I am over 70 years of age can I get Travel Insurance?

    What does excluding baggage cover mean exactly?

    What is the maximum limit for valuable items such as jewellery or video cameras?

    Can my children travel separately and still be covered under an annual family policy?

    My son is aged 22 and at university. Can he be included in the family cover?

    What is travel disruption cover?

    I m going backpacking for six months. Am I covered?

    Get a quote and apply Icon

    When you get a quote, you ll need to have the following information to hand:

    • Your destination
    • The dates and duration of your trip
    • Details of the people you want to insure

    Our application process is simple and you save 20% when you buy online:





    06/08/2017

    Posted In: NEWS

    Tags: , , , , , ,

    Leave a Comment

    Worst kind of company: Alarm in Britain over Macquarie Bank s


    #

    ‘Worst kind of company’: Alarm in Britain over Macquarie Bank’s proposed takeover of UK’s Green Investment Bank

    Banks admit breaking cartel laws

    London: A bipartisan coalition of former and serving British MPs has raised alarm about Macquarie Bank buying up the UK’s Green Investment Bank, with the former business secretary saying the Australian investment bank is the “worst kind of company” to be acquiring the £2 billion ($3.4 billion) fund.

    MPs expressed fears that Macquarie Bank, known in Australia as the “millionaires factory”, would acquire the Green Investment Bank (GIB) only to strip it of its most profitable parts, abandoning its environmental purpose. Initially Parliamentarians had feared that if owned privately the Green Bank would expand beyond its remit. But sources said that with Macquarie Bank as the likely owner, the fear is now that the Green Bank will be chopped up and sold off according to its financing arrangements, a practice known as “asset stripping” which would trigger a flight of staff and destroy the Bank’s ability to carry out it’s green mission.

    The British government had been expected to announce by the end of 2016 who would purchase the GIB, which the tory government, under the leadership of the then Prime Minister David Cameron announced would be privatised in June 2015. The formal sell-off process began in March and Australia’s Macquarie Bank is poised to be announced as the winning bidder. Bloomberg on Wednesday, citing a source familiar with the process, reported the UK government is set to agree to a deal to sell the GIB to Macquarie Group in early January .

    But that prospect has alarmed some MPs who say Macquarie Bank’s past behaviour disqualified it to look after the green bank.

    The former Tory minister for energy and climate change Gregory Barker who helped create the Bank has called for an urgent halt to the privatisation process.

    “Am increasingly alarmed that sale of #GIB will now see it broken up so much it threatens its future as enduring institution,” he wrote on Twitter.

    Am increasingly alarmed that sale of #GIB will now see it broken up so much it threatens its future as enduring institution #slamonthebrakes

    In 2013, Britain’s influential Sunday Times published an article calling Macquarie Bank “the vampire kangaroo” over the Macquarie-led consortium’s management of Thames Water which it acquired in 2006 .

    The former Liberal Democrat MP Simon Hughes told the paper that under Macquarie “Thames has paid out large dividends, run down its capital [and] not paid taxes.”

    Sir Vince Cable promoting solar panels. Photo: Supplied

    Former Liberal Democrat MP and secretary of state for business Sir Vince Cable echoed this, telling Fairfax Media the Australian investment bank was “notorious for pursuing short-term profitability at the expense of long-term sustainability”.

    This is the worst kind of company to be entrusting maintaining the integrity and green mission of the bank.

    Britain’s Former Secretary of State for Business Vince Cable

    “This is the worst kind of company to be entrusting maintaining the integrity and green mission of the bank,” he said.

    Sir Vince said while he opposed the privatisation of the bank, he would prefer a different company to Macquarie if the sale had to go ahead.

    “A company whose track record is better aligned with the objectives of the bank,” he said.

    He also proposed a “golden share arrangement” where the UK government would be able to force Macquarie to uphold the Bank’s green mission.

    “But if it did so I suspect that Macquarie would no longer be interested,” he said.

    Sir Vince said he believed the Tory government was having second thoughts about offloading the bank to Macquarie, fearing “reputational damage”.

    The Labour MP and opposition spokesman for business, energy and industrial strategy, Clive Lewis, also backed a golden share arrangement “to ensure beyond any doubt that the bank will be retained as a single institution … even if it causes Macquarie to pull out of the deal.”

    “If it’s broken up, sold off and its green commitments forgotten, not only will the taxpayer lose the healthy returns the GIB has been providing, but the UK risks breaching international and domestic climate targets,” he said.

    And the first Greens MP elected to Britain’s parliament, Caroline Lucas, said Macquarie Bank had a track record of supporting “climate-wrecking projects”.

    “The government’s preferred bidders, Macquarie, are an Australian-based bank funding fossil fuel extraction projects across the world. From open-cast coal mines in China to fracking here in the UK, Macquarie has a track record of [supporting] climate-wrecking projects.”

    Macquarie Bank declined to comment. Photo: Grant Turner

    Fairfax Media approached Maquarie Bank in London for a response to the MPs concerns but the bank said it would not be commenting.

    The UK’s Green Investment Bank began investing in green energy and infrastructure projects in 2012, making it the first green bank in the world at the time.

    Australia’s Clean Energy Finance Corporation, established by the former Labor Gillard government in 2012, mimics the bank.

    Wind farms are a form of renewable energy and the green economy. Photo: Vestas Wind Systems A/S

    Both banks take a commercial approach to financing clean energy projects which would otherwise struggle to find private sector funding.

    The CEFC said in July this year that since its inception in 2013 it has invested $2.3 billion in projects with a total value of $6.6 billion.

    The GIB says it has funded £2.7 billion worth of a total £11.1 billion worth of transactions in the green economy. In 2015 it began turning a profit.

    Latika Bourke

    06/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , ,

    Leave a Comment

    Bank of America Preferred Rewards Program #preferred #rewards, #bank #of #america


    #

    Banking made better with no-fee services

    Enjoy fee waivers on everyday services for Bank of America personal checking and savings accounts:

    • Monthly maintenance fees waived on up to 4 eligible checking and 4 savings accounts from Bank of America
    • No fees for ATM or debit card replacement including rush replacement, standard check orders, cashier’s checks, Check Image Service, check copies, stop payments and incoming domestic wire transfers
    • Overdraft Protection transfer fees waived from your linked savings accounts, secondary checking accounts or from a Home Equity Line of Credit

    Platinum and Platinum Honors tier clients also enjoy:

    • No fees for incoming international wire transfers and a small safe deposit box

    Enroll in Preferred Rewards

    There are no fees to join or participate in Preferred Rewards. Here’s all you need to enroll:

    • An eligible Bank of America personal checking account
    • 3-month average combined balances of $20,000 or more in qualifying Bank of America banking accounts and/or Merrill Edge and Merrill Lynch investment accounts. Visit our learning center for more information.

    Get simple tips to help you reach the required balance layer

    Sign in to Online Banking to see if you qualify.

    Not an Online Banking Customer?

    Don’t have a checking account?

    Would you like to speak to a Preferred Rewards specialist?

    Call 888.888.RWDS (888.888.7937)

    Enroll in Preferred Rewards

    There are no fees to join or participate in Preferred Rewards. Here’s all you need to enroll:

    • An eligible Bank of America personal checking account
    • 3-month average combined balances of $20,000 or more in qualifying Bank of America banking accounts and/or Merrill Edge and Merrill Lynch investment accounts. Visit our learning center for more information.

    Get simple tips to help you reach the required balance layer

    To learn more or enroll today:

    You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America personal checking account and maintain a 3-month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge and Merrill Lynch investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The combined balance is calculated based on your average daily balance for a three calendar month period. SafeBalance Banking accounts do not count toward the account or balance requirements, and do not receive the fee waivers and other benefits of the program. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Employee qualification requirements, please visit the Employee Banking Investments website. The Preferred Rewards Gold tier does not include the $0 online equity and ETF trades via Merrill Edge . a benefit that is currently available at the Platinum and Platinum Honors tiers of Preferred Rewards.

    The Rewards Money Market Savings interest rate booster is only available to customers enrolled in the Preferred Rewards program. Your enrollment in Preferred Rewards will not automatically convert any existing money market savings account to a Rewards Money Market Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. The interest rate in the interest rate booster example is for illustrative purposes only. For current interest rate information, view our Rewards Money Market Savings rates .

    Certain credit cards are eligible to receive the Preferred Rewards bonus. View a complete list of ineligible cards. Enrolled clients with eligible cards will receive the Preferred Rewards bonus based on Preferred Rewards tier and type of card. For example, the BankAmericard Cash Rewards credit card awards the Preferred Rewards bonus when you redeem cash rewards into a Bank of America checking or savings account or an eligible Merrill Lynch Cash Management Account . That means a $100 cash rewards redemption becomes $125, $150 or $175, based on your tier when you redeem. All other eligible card types receive the Preferred Rewards bonus with each purchase. That means a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus will replace the 10% customer bonus you may receive with certain cards. Other terms and conditions apply. If you have an eligible card, please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards bonus. Program Rules are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card.

    Preferred Rewards Platinum and Platinum Honors tier clients using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals, balance inquiries and balance transfers (1 each per statement cycle for Platinum tier clients, unlimited for Platinum Honors tier clients) from non-Bank of America ATMs in the U.S. and U.S. territories.

    Eligibility: Commissions are only waived for online equity and ETF trades conducted via an individual or jointly owned self-directed personal CMA or IRA account.
    Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF S) waives its commission fee for:
    – 30 monthly online equity and ETF trades for Platinum tier clients
    – 100 monthly online equity and ETF trades for Platinum Honors tier clients
    For details about commissions, transaction fees and any other fees that may apply, visit merrilledge.com/pricing. Certain account types are not eligible. Other restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. For full details about ways to qualify for $0 trades, call 888.MER.EDGE ( 888.637.3343 ) or visit merrilledge.com/$0detail .

    Merrill Edge MarketPro is available to clients who maintain a Merrill Edge self-directed relationship. To qualify, you must be a Preferred Rewards Platinum or Platinum Honors tier client, or maintain total combined balances of $50,000 or more in your Merrill Edge and Merrill Lynch investment accounts and Bank of America . N.A. deposit accounts, or make at least 15 self-directed trades per quarter. Not available to investment professionals or for trust accounts and business accounts. Relationship requirements and pricing are subject to change. See merrilledge.com/marketpro for details.

    The origination fee reduction is available to clients who are enrolled or are eligible to enroll in Preferred Rewards at the time of application for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). Amount of the reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) is based on your eligible tier at the time of mortgage application and is not subject to adjustment. This reduction will not exceed the amount of the Lender Origination Fee. Eligibility will be available three or more business days after the end of the calendar month in which you satisfy the requirements. Some discounts cannot be combined. For details on requirements, visit the Preferred Rewards Addendum to the Personal Schedule of Fees. Benefit is non-transferable.

    Auto loan preferred interest rate discount of 0.25% to 0.50% is valid only for customers who are enrolled in Preferred Rewards or Banking Rewards for Wealth Management at the time of auto loan application and who obtain a Bank of America auto purchase or refinance loan. The maximum preferred interest rate discount on a Bank of America auto loan is 0.50%. This preferred interest rate discount is not reflected in our published rates on our website but will be reflected in the interest rate quoted upon loan approval. Discounts are only available on new auto loans through a financial center, contact center or online and are not available on dealer financing. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.

    Visit the Bank of America Preferred Rewards page on bankofamerica.com for a list of no-fee banking services.


    31/07/2017

    Posted In: NEWS

    Tags: , , , , ,

    Leave a Comment

    About Dormant Bank Accounts #parveen #travels

    #cheap flight and hotel deals
    #

    About Dormant Bank Accounts

    Banking experts estimate that up to 5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

    A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

    If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

    The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

    There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

    The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

    Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

    You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

    If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.





    31/07/2017

    Posted In: NEWS

    Tags: , , ,

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    Franklin County Assessors Department #franklin #bank #online


    #

    PROPERTY SEARCH MAP SEARCH

    This site has been prepared to help you better understand the functions of the Assessor’s office. The information contained herein will assist you, as a property owner and taxpayer, in understanding assessment procedures, tax collection and distribution of the tax dollar.

    The Assessor does not establish the dollar amount of taxes required nor does the Assessor bill or collect taxes. The taxpayers, state limitations and assessed value determines the tax rate for each district. The County Treasurer bills and collects the required tax.

    It is my responsibility as your Assessor, together with my staff, to ensure that all property owners are treated fairly and impartially in accordance with our state laws. It is our sincere desire to serve and support you in an effective, responsible and courteous manner.

    The County Assessor’s office welcomes your inquiries and concerns on how your property is assessed. As your Assessor, I am committed to serve and assist you personally in any matters dealing with this office. Also, I will be available to speak to and/or answer questions for interested groups. Please contact the Assessor’s office for more information.

    Franklin County Assessor

    In an effort to reduce cost and also to provide greater efficiency, we are offering a service for Personal Property accounts that will deliver your Personal Property listing to you by email. These listing come out in January and are the listings that changes are made to and then returned to this office.

    To take advantage of this option please select the image below.

    How To Set-Up Your eNoticesOnline account


    28/07/2017

    Posted In: NEWS

    Tags: , ,

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    The Dime Savings Bank of Williamsburgh Changes Name to Dime Community


    #

    Company Name

    The Dime Savings Bank of Williamsburgh Changes Name to Dime Community Bank

    August 2 The Dime Savings Bank of Williamsburgh (N.Y.), the wholly owned banking subsidiary of Dime Community Bancshares, Inc. has announced that it officially changed its name to Dime Community Bank.

    According to Kenneth J. Mahon, President and Chief Operating Officer, The new name, Dime Community Bank, more accurately reflects our evolving business model and will allow us to emphasize our broader geographic and business reach, while not abandoning our mission to be in and of the communities we serve, including the virtual community online.

    The bank will continue to be referred to as DIME in all marketing and advertising.

    We strongly believe that today, consumers and businesses want to bank local and with institutions that support their communities, continued Mr. Mahon. Having done that for over 150 years makes us uniquely qualified to use the name Dime Community Bank.

    It is also important to note that our commitment to Williamsburg remains as strong as ever, which is reflected in the opening of two new branches there later this year, as well as our continued sponsorship of the Dime McCarren 5K which runs through the heart of the community.

    ABOUT DIME COMMUNITY BANCSHARES, INC.

    Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the Company ) had $5.56 billion in consolidated assets as of June 30, 2016, and is the parent company of the Dime Community Bank (the bank ). The bank was founded in 1864, is headquartered in Brooklyn, New York, and currently has twenty-five branches located throughout Brooklyn, Queens, the Bronx and Nassau County, New York. More information on the Company and the bank can be found on Dime s website at www.dime.com .


    24/07/2017

    Posted In: NEWS

    Tags: , , , , , ,

    Leave a Comment

    Allianz Bank Financial Advisors S #bank #of #america #financial #advisors


    #

    La protezione inizia dalla consapevolezza

    • E’ opportuno modificare le password con una certa frequenza. Le hai aggiornate di recente?
    • Utilizzare una sola password per tutto, dalla posta elettronica ai social network poco prudente. Ne hai una per ogni servizio?

    Scopri gli accorgimenti che ti tengono al sicuro quando sei online.

    Faresti di tutto per la tua sicurezza.
    Anche noi.

    Scopri cosa facciamo per te

    Scopri cosa puoi fare tu

  • Allianz Active4Life, una soluzione di investimento innovativa e unica, in grado di unire:

    • ricerca dinamica del rendimento
    • un sistema di garanzia annuale attiva

    Allianz Active4Life, per vivere con serenit il tuo investimento.

    Per saperne di pi su questa nuova opportunit di investimento contatta il tuo Financial Advisor

    Ricerca di rendimento e garanzia attiva.
    In un’unica soluzione.

    Scopri di pi

    Scopri Allianz Active4Life

  • Le chiavi di accesso alla tua Area Riservata diventano 3

    • Codice Utente
    • Numero Personale
    • Il tuo Telefono cellulare

    Perche?
    Abbiamo adottato gli standard di sicurezza informatica previsti dalle nuove disposizioni dettate dalla European Bank Authority (EBA), per limitare ancora di pi i rischi di frode online.

    Scopri il nuovo modo di accedere alla tua Area Riservata


    11/07/2017

    Posted In: NEWS

    Tags: , , , ,

    Leave a Comment

  • About Dormant Bank Accounts #travel #directions

    #cheap flights with car rental
    #

    About Dormant Bank Accounts

    Banking experts estimate that up to 5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

    A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

    If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

    The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

    There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

    The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

    Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

    You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

    If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.





    11/07/2017

    Posted In: NEWS

    Tags: , , ,

    Leave a Comment

    Highest Tax Saving Bank Fixed Deposit Rates 80C – May 2017


    #

    Highest Tax Saving Bank Fixed Deposit Rates U/S 80C May 2017

    Highest Tax Saving Bank Fixed Deposit Rates 80C May 2017

    Tax Saving Fixed Deposits one of the most popular way to save taxes u/s 80C of income tax. These are like normal Fixed Deposit with banks but is labeled as “Tax Saving FD” while making the deposit.

    Why you Should Invest?

    1. Convenient to invest. ICICI Bank, SBI, HDFC Bank, etc offers online facility for Tax Saving FD
    2. Redemption on maturity comes directly to your bank account
    3. High Safety FD up to Rs 1 Lakh is insured

    Why you Should Not Invest?

    1. There are lot of competing products like EPF, PPF, ELSS to exaust the investment of Rs 1.5 Lakh u/s 80C
    2. The interest earned is taxable
    3. Cannot be withdrawn prematurely
    4. Cannot be pledged to secure loan or as security

    Tax Saving Fixed Deposit Interest Rate

    Bandhan Bank and Bank of India have reduced their interest rates (compared to last month) on tax Saving FDs.

    Also State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore have merged with State Bank of India effective April 1, 2017.

    As of May 1, 2017 banks are offering 6.00% 7.50% for general public and 7.00% 8.00% for Senior Citizens.

    1. The best Tax Saving Fixed Deposit Interest offered is 7.50% for General Public byThe Ratnakar Bank
    2. The best Senior citizens Tax Saving Fixed Deposit Interest offered is 8.00% by The Ratnakar Bank

    The table below lists the banks in alphabetical order with their respective interest rate offer on Tax Saving FDs for General and Senior Citizens.

    The highest Interest Rates have been highlighted :

    Taxation TDS Tax Saving Fixed Deposits:

    The interest received on tax Saving Fixed Deposit is fully taxable. The interest income is considered as income from other sources for Tax filing and taxed at marginal tax rates applicable.

    TDS would be deducted at the rate of 10% of the interest paid, if the interest paid exceeds Rs 10,000 in a financial year. You can see the same in Form 26AS .

    In case your income does not exceed taxable slab and so want to avoid TDS, you can submit Form 15G or 15H when making the deposit. You would also need to submit the form at the start of every financial year to the concerned bank branch.

    Key Points – Tax Saving FD:

    Below are some of points to keep in mind while investing in Tax Saving Deposits:

    1. As the Tax Saving FD scheme was introduced in Budget of 2006, it s also known as Tax Saving Deposit scheme 2006 (Notification Number 203/2006 and SO1220 (E) dated 28/07/2006)
    2. Most of the banks accept deposit of 5 Years only. However there are banks with deposit tenures of more than 5 Years
    3. You can deposit on either Single or Joint name. However benefit of tax deduction is available for first holder only.
    4. Most banks offer interest rate which is similar to their 5 years term deposits. Only a few banks give slightly higher interest rate for their Tax Saving Fixed Deposits
    5. Most banks give Senior citizens and their staff members additional interest of 0.25% to 0.5%
    6. Depositor can opt for either cumulative or non-cumulative way of crediting periodical interest
    7. Don’t be mislead by banks advertisements about their yield on Tax Saving FDs. Those are manipulative calculations
    8. Be cautious of small co-operative banks as they have higher risk than bigger private and public sector banks
    9. Depositor gets benefit U/s.80C of the Income Tax Act. 1961
    10. Minimum deposit is Rs.100 and in multiples thereof
    11. Maximum deposit in a Financial Year Rs.1,50,000/- [i.e. 1st April to 31st March of the following calendar year]
    12. Deposits cannot be withdrawn prematurely
    13. Deposits cannot be pledged to secure loan or as security

    Disclaimer:We have tried to keep interest rates up to date, but as these change frequently you are advised to check with the bank before investing. Also it would be great if you can point out any errors through comments or email!

    Direct link for Interest Rates on FDs of Banks:

    Below is the direct link for Interest Rates of Major Banks. You might want to check the interest rates before doing your FD.


    10/07/2017

    Posted In: NEWS

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    About Dormant Bank Accounts #budget #travel #magazine

    #cheap flights hotel and car
    #

    About Dormant Bank Accounts

    Banking experts estimate that up to 5bn may be sitting unclaimed in UK bank accounts that have gone ‘dormant’. What does this mean, and could you be entitled to a share in this huge amount of idle money?

    A bank account goes dormant when, in the words of the British Bankers’ Association, a bank and a customer ‘lose touch with each other’. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven’t been told and are unable to locate the account holder some time later.

    If there are no transactions on an account over a period of around 12 months, the bank will write to the account holder at the last known address to ask them if they wish to keep the account open. If no reply is received, then the bank will change the status of the account to ‘dormant’. This means that from now on, no statements, chequebooks or other correspondance will be sent out to the customer.

    The money in the account will still earn interest at whatever the normal rate of that account is, and the bank will still keep track of the account balance and keep a record of the last known address of the holder.

    There are two main reasons for an account being made dormant. The first and most obvious one is to save the banks the administration costs of sending out statements and the like when there is no activity on the account from month to month (other than that initiated by the bank itself, such as interest payments).

    The more important reason however is to guard against identity fraud. If a bank continues to send statements to an address when the account holder is no longer there to receive them, it is all too easy for these documents to end up in the hands of fraudsters, who could use the sensitive information they contain to begin a campaign of ID theft.

    Most dormant accounts will have very small balances, but some will inevitably contain a substantial sum, often those belonging to someone who has passed away. If you think you may be entitled to money held in a dormant account, you can make a claim by filling in a form available from the bank in question.

    You will need to give your reasons for making a claim, such as that the account belonged to a close relative whose estate was passed to you. You will also need to prove your own identity, and your connection to the original account holder if applicable.

    If the bank don’t agree that you’re entitled to take over the account, you have the right to pursue an appeal, where your claim is re-examined. If the appeal fails, you can take your claim to the Financial Ombudsman Service, whose decision is final and binding.





    09/04/2017

    Posted In: NEWS

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