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2010-01-22T01:13:00.001-08:00

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Bank Loans For Bad Credit

2009-05-25T11:46:00.001-07:00

Money makes the world go round and at times we find ourselves with no money and the world is still spinning- like your head! Trying to figure out how you're going to pay the bills. Banks are the obvious place to turn but as Bob Hope said "A bank is a place that will lend you money if you can prove that you don't need it"..... so true.

You credit rating can be tarnished easily, even through no fault of your own, so in a difficult situation it helps to take a breath and figure out what's going on and not to make it worse.

If you are applying for a loan from a bank with bad credit and have some form of collateral like a paid off car or equity on your house then things may not be so difficult, but understand that collateral is securing the loan - so if you fail to make the payments the bank can take possession of your property.

If you get denied from one bank its not such a good idea to apply to 20 more because each time you apply for credit it is making your credit rating worse. When you apply the lender does a search on your credit which is registered by the credit reference agencies in the UK. The lender will be looking for recent searches (past 6 months), so if you apply to lots of lenders it going to show up lots of recent searches.

So if you can hold out on the personal loan stop applying, as its only making the situation worse. Payday loans do not do a credit check and lend you the money for 30 days which help get you out of the tight corner. Spending on your credit card, or using your overdraft may be an option but the high interest can get you deeper in trouble.

Before you apply for more loans with the bank a few simple steps can turn a bad credit rating into a good one

• Find out what's wrong with your credit rating so you can start to fix it
• Don't max out your credit cards or other forms of credit
• Don't close paid off accounts
• Have credit all on the same address and make sure your register on the electoral role
• Make the payments on your credit cards and debts even if it's the minimum payment

To learn more about different types of loans or improving your credit rating visit http://www.crunchbankloans.co.uk where you will find this and much more.

Article Source: http://EzineArticles.com/?expert=Adam_Morris

Home Banking - Banking Services From Home

2009-05-25T11:43:00.002-07:00

Home banking refers to a facility in which you can have a virtual banking branch where you can supervise and be in control of your funds. You can enjoy this service round the clock, on every day of week absolutely free. The major advantage of this is that you do not have to even move out of your home to avail this service.

What Services Are Available?

Let us talk of some services that you can get from home banking. You can know your balance and available balance anytime you wish. This difference depends on what type of account you have. For example, if you have a savings account or money market account, then the minimum necessary balance in the account is the difference.

This also lets you get the details of the transactions made during a particular time. Not only can you transfer the money between the accounts but you also can schedule the transfers. You can also get the details of transactions made in the past.

Some other information that you get at your fingertips with the help of home banking is a chance to stop payment for any particular check, credit score viewing, recorder check and viewing mortgage balance. To start using home banking services first you have to set up your account. Signing up process includes setting security measures also.

Importance Of Security Measures

One may wonder why all this stress is given on the security measures. The answer to this question is that although the possibility of theft is very rare yet there are people with mean intentions that may try to dishonestly gain from you if you are not alert enough. That is why the process is made difficult enough and discourages the malicious people to break into it.

However, to make the task easier for you there is an option called remember this computer. If you select this option computer will not ask the same security question every time you login. It will remember the answers but in any case it doesn't remember your account number, random code and access code. You have to enter this information every time you use home banking service.

However, the security cookie used by the computer for remembering this information survives only for a definite period. After its expiry, you need to re- feed this information into the computer. However, keep in mind that you should use this option only on your personal computer where no other person has an access. Never use it if others also use the same computer as yours.

Article Source: http://EzineArticles.com

Information About Offshore Investment Accounts

2009-05-25T11:43:00.001-07:00

Offshore investment accounts simply refer to investment strategies that capitalize on investment opportunities that are located outside the United States or other country of residence of the investment client. These investment accounts are known for having low tax liabilities, thus making them also sometimes thought of as investment tax havens. Investing in offshore accounts also tends to provide financial and legal benefits. Some of these benefits may include:

- Less controlling legal regulation
- Little to no taxation
- Greater discretion
- Easy access to investment funds (including earned interest and/or dividends)
- Protection against local financial or political instability

Can Anyone Invest in Offshore Accounts?

There are a large number of bond, money market and equity assets available to investors that are offered by offshore companies. Many of these financial instruments are supposedly economically healthy, time-tested and, most importantly, officially permitted. So, you may be asking yourself "can anyone invest in offshore accounts?" While there are many misconceptions about offshore investment accounts and the level of wealth that is required to invest in them, you would be surprised at how open and available they are to the average investor. In fact, one of the greatest advantages of offshore investment is that anyone irrespective of wealth can open an account. There may be certain regulations regarding the amount of money required to open an offshore investment account but to the surprise of many it is not an extremely large sum. Along with the very wealthy, a small business owner or an average middle class person can purchase offshore investments. This is one way that Americans are doing business, earning money and also saving tax dollars on investment earnings.

Popular Offshore Investment Destinations

The tax savings one can expect when investing this way are a direct result of the fact that tax systems in offshore destinations are open and investor friendly. On the other hand, instead of stimulating the local economy, offshore accounts indirectly develop the economy of the offshore destination where the funds are invested. This is an important consideration as the money that comes in speeds up economic activities in an area that the investor typically has little to do with. Luckily, most popular offshore investment destinations are neutral and friendly and can definitely benefit from investment dollars of foreign investors. The most infamous and popular offshore investment banking centers in the global market are the Cayman Islands and Switzerland. Some of the other well-known locations that foreign investors' dollars flock to include:

- Bahamas
- Barbados
- Belize
- Bermuda
- British Virgin Islands
- Cyprus
- Dominica
- Gibraltar
- Ghana
- Hong Kong
- Labuan, Malaysia
- Liechtenstein
- Luxembourg
- Malta
- Macau
- Mauritius
- Monaco
- Montserrat
- Nauru
- Panama
- Seychelles
- Turks and Caicos Islands

Tightening Regulations

Even for those hoping to find easy tax havens and advantageous investment vehicles in offshore accounts will find that the old rules are beginning to change. The regulation of offshore banking is improving and tightening up in many ways. The regulation of these elusive and loosely regulated banking institutions is increasingly monitored by supranational nongovernmental organizations such as the International Monetary Fund. Offshore investment accounts are starting to be required to report at least quarterly on several different facets of their respective businesses. The increased attention on anti-money laundering initiatives in many different countries means that bank employees at all levels are encouraged to report suspicion of any type of money laundering activity to the local authorities despite customary bank secrecy. Additionally, there is increased cooperation between police authorities across international borders.

One of the world's largest and most established offshore investment firms provides offshore bank accounts, offshore mutual funds and offshore Qrops - a Qualifying Recognized Overseas Pension Scheme to those that qualify.

Article Source: http://EzineArticles.com/?expert=Amy_Nutt

Is Your Bank Safe? What You Don't Know Can Hurt You

2009-05-25T11:42:00.001-07:00

When most people retire, one of the first things they think of is protecting the income they have worked all their life for. After all, you want to protect every last dollar you have earned right?

One of the first things that come to the minds of most retirees and seniors are Bank CDs. Many are under the impression that this is the only safe place to put their assets. They also assume that this is the only place they can gain interest on their retirement savings without any risk at all. That assumption could not be more further from the truth. In this article, you are going to be exposed to what can happen to your retirement savings and what the banks hope you NEVER FIND OUT.

Have you ever asked yourself what happens to your hard earned income when it is placed in a CD? Not too long after your income is place into your CD, the bank loans that money to another source. That's right, it is loaned out! They will make 60 to 70 percent off of your deposit while you're promised 4 to 5 percent on your assets. 4 or 5 percent that you have to pay TAXES on at the end of the year. Yes, I said TAXES. But after all, your money is FDIC insured right? Sure it is. Does that mean that ALL your money is insured? ABSOLUTELY NOT!! Let me explain. By the way this applies to ALL of your retirement savings at your Bank, NOT just your CDs.

The Federal Deposit Insurance Corp or FDIC only guarantees that 100,000 of your income is FDIC insured. However, certain retirement accounts are eligible to be insured up to 250,000. Now here is the million dollar question many of you want to know. What happens if the Bank FAILS? Contrary to what most people may think, Banks, at times, DO FAIL. Bank failures are rare but they still happen. According to the FDIC, there were 28 bank failures since October 2000!! (See Link http://www.fdic.gov/bank/individual/failed/banklist.html). Even worse, the FDIC DOES NOT notify people when their bank has failed or is about to fail! The only way you find out is when your check/debit card gets denied or you arrive at your bank and it has a new name already.

Well what happens to your money once a bank fails? I will be more than happy to tell you so let me explain. The account owners which are within the FDIC guidelines normally are able to retrieve their money rather quickly. Well, what about those retirees with over 100,000 or those IRAs over 250,000? Those with assets not covered by the FDIC will become creditors to the receivership of the failed bank. "The FDIC will then sell off the failed bank's assets and pay those account holders who were over the FDIC income limit, from the proceeds of that money. This process CAN TAKE YEARS. YES! It can actually take years to get all of your hard earned dollars back. Some of us dont have years or time on our side to retrieve all of our hard earned retirement income.

Meiyoko Taylor is the Chairman & CEO of Milestone Retirement Group, Inc, specializing in protecting the retirement income of seniors and retirees. He has over 7 years of experience in the financial services industry and is a guest speaker for various sales teleconferences across america. He has worked for companies such as , AIG , Monumental Life, and Mutual Of Omaha. Meiyoko Taylor is currently servicing the NJ area, contracted with companies such as ING, Penn Treaty Network America(LTCI) Sunlife Financial, American Equity and Old Mutual.

Article Source: http://EzineArticles.com

Is Your Bank Savings Account Safe?

2009-05-25T11:40:00.000-07:00

Do you know what FDIC stands for? Most people don't. You are
not alone.

It is important because the Federal Deposit Insurance Corporation
is the one that guarantees your money in the (hopefully) unlikely event
your bank might go out of business.

Ten years ago the amount of the guarantee was only $10,000.
Today it is $100,000. What worries many about this very high amount is
does the FDIC have enough money to pay everyone if that awful calamity
should occur? Well, don't worry Uncle Sam can turn the printing presses
up another notch so everyone will be paid. Of course, it might take a year
to get your money, but at least you will get it.

In January the FDIC said they were going to do an "update" on the
protection of customer savings accounts at many banks. They said they
were going to investigate 65 large banks that had assets of more than 18
Billion. (Yes, that's a B). They did not say what or how they were going to
do, but these 65 banks were cited as "problem institutions". They also did
not clarify what the problems might be.

Usually this type of "problem" refers to capitalization requirements.
Banks should have at least 10% in reserves to pay off any customer(s) who
present a demand for their money. Below 8% is considered undercapitalized
and under 6% is significantly undercapitalized. Red flags go up and bank
examiners show up (I hope).

The FDIC can come in to take over control of the bank and remove
present management.

Every bank pays a premium to the FDIC for this insurance. Part
of the money is supposed to be set aside to create a reserve in the event of
any bank failure. Let's hope this "reserve" is not like the Social Security
Trust Fund which is spent every year by the Washington politicians. There
Is no Social Security Trust Fund with your money in it.

Is your bank on the hit list? You can ask your bank manager, but it
is doubtful he will know. That will be in the far reaches of big corporate
headquarters. Will a call there get the answer? Doubtful. Try the FDIC to
see what kind of run around is gotten. Maybe an inquiry through the
Freedom of Information Act might do it, but how long will that take?

As usual the little guy will be pushed around by the bureaucrats.
They don't want him to know what a poor job they are doing.

Don't be "snowed" when your banker tells you they have billions in
deposits and not to worry. It is some of the largest banks that are having
the worst problems.

About the only action a small investor can take is to spread his money
into more than one bank - maybe 3 or 4 depending how much he might have.

No mater how small a savings account a person might have it would
be a good idea to separate it into more than one bank.

Article Source: http://EzineArticles.com

5 Ways to Save Money on Your Home Equity Loan

2009-05-25T11:22:00.000-07:00

A home equity loan enables the home owner to borrow money based on the existing equity in the home. The ability to secure this type of loan is useful to homeowners who want to put the equity in their home to good use. This article will consider ways for homeowners to save money on a home equity loan.

Improve Your Credit Score

Homeowners should work on improving their credit scores before applying for a home equity loan. This is important because these scores will impact the rates of the loan such as the interest rates and those with higher credit scores are likely to be offered lower interest rates. Over the course of the loan this can result in a huge savings.

Shop Around for Lenders

Shopping around for lenders can also save homeowners money on their home equity loans. This is because lenders may have different fees and offer different interest rates. Selecting the lender offering the lowest fees and interest rates helps the homeowner to save money.

Increase the Value of Your Home

Making improvements to the home can also result in a financial savings on the home equity loan. This is because home improvement projects can increase the value of the home and make the homeowner eligible for lower interest rates because the difference between the amount they owe and the value of the home increases.

Only Borrow What You Need

When taking out a home equity loan the homeowner should be careful to only take out a loan for the amount of money they need. They may be qualified to borrow more but in the long run they will pay more in interest if the principle is higher. If the funds from a home equity loan will be used for a specific purpose it is best to take out a loan equal to the amount of money needed.

Consider Your Local Bank

Finally, homeowners should consider their local bank when seeking a home equity loan. This might be worthwhile if the homeowner does quite a bit of business with the bank because they may be willing to offer him a better rate on the home equity loan if he already has several accounts with the bank. For example a homeowner who has both personal and business accounts with a particular bank and also has a first mortgage with that bank may receive a better rate than another homeowner who has a similar financial profile but has no previous history with the bank.

Article Source: http://EzineArticles.com

No Fax Payday Loans - Easy Solution to Your Problems

2009-05-25T11:17:00.000-07:00

For urgent and immediate need for cash anyone can go for the no fax payday loans. There are a heap of reasons for suggesting this particular loan to you. Would you not like to go for a loan which understands your requirements and conditions better? As you adopt it you will start exploring the benefits and advantages of these loans which makes everybody go for it whenever one is in crisis.

As a primary reason to go for these loans, you can consider its fast approval nature. Was these loans are free from the faxing system; no time is being wasted in unnecessary procedures. Instead of sending your documents through fax, you will just have to fill up a form where you must provide all relevant information about you. Thus money is delivered on the same day of applying.

The amount offered in it is good for affording any incident that occurs suddenly. These loans generally offer an amount ranging from £100 to £1500 for a period of 14 to 31 days. So, there is nothing which you cannot manage to solve with the loan amount. Electricity bills, medical bills, child's examination fees, home installments or car repairing, anything is easy to be handled.

For availing these loans the borrowers should even be of 18 years of age. It is essential for him to earn at least £1000 per month and to have an active bank account. Thus, if you qualify in these grounds then nothing can check you in getting it.

Another reason for which people find the no fax payday loans suitable is that these are available for all. No one, even if you carry the lowest credit score will be denied of these loans. So, all the poor credit scores like County Court Judgments. Arrears, late payment, skipping of installments and defaults are being allowed here.

Article Source: http://EzineArticles.com

How Do Multiple Checking Accounts Affect FICO

2009-05-23T17:12:00.000-07:00

Many of us have more than one checking account with one or more financial institutions. For example, joint checking, business checking, personal checking and more. But can having numerous checking accounts affect your credit score?

The good news is that "no" is the simple answer. Banks do not report checking activity with credit bureaus.

However, the bad news is that your behavior and financial management of multiple checking accounts can get you in trouble with your credit score if you do the wrong things.

Keep those statements clean

Consider for a moment that you are applying for a home loan. Your mortgage broker says to you that the loan underwriter needs to see your bank statements for the past 2 to 6 months. After you gather the statements and get them in order you review them and notice there were a few times when you errantly made purchases with insufficient funds. The statements may show a negative balance and an overdraft fee in those instances. What will the underwriter think of this? It is a negative outcome indeed.

Even though the insufficient funds do not appear on your credit score your loan underwrite may take the overdrafts into consideration when evaluating your creditworthiness. Your documentation of bad financial management could make a difference in the interest rate offered to you, or whether or not you are approved altogether.

Closed for Cause

Your conduct with multiple checking accounts can be a challenge for your financial management if you are not careful. With numerous accounts comes the responsibility to assure that there is sufficient available funds, and you need to assure that you abide by the checking account rules agreed upon when you set up the account.

If you do not fulfill a checking account agreement with a bank they may close your checking account "for cause" and report it to the ChexSystems banking reporting system. These reports remain for 5 years and could prevent you from opening a new checking account, and even cause your other banks to close your current checking accounts.

If your checking account was closed due to poor financial management and with a negative balance, the balance will probably be transferred to a collection agency. If that happens, you can be assured that the checking account fiasco will show up on your credit report and lower your FICO score.

Any one of these cases of poor financial management with checking accounts can affect your creditworthiness. A "tarnished" checking account doesn't have to show up on your credit report in order to deny or limit a loan application. If you currently have multiple checking accounts, or are planning to open additional accounts, be sure to review them each month. Your ability to fix or solve any checking account financial management issues with your bank before they appear on a loan underwriter's desk will help your chances of getting a loan in the future.

Article Source: http://EzineArticles.com

Tips For Saving Your Money

2009-05-23T17:10:00.000-07:00

Saving money certainly is not easy, especially when there are so many different ways out there to spend money. Whether you are trying to put back money for a special purchase, a rainy day or just to make your money stretch a little bit further it is important to understand that there are many ways in which you can cut back to save money.

The first step of saving money for any purpose is to find out where your money is going. This will help you to identify places where you may be able to cut back in order to save money. Generally, it is best to start at the beginning of the month and sit down to log all of your expenses as well as your income. Write down all of your set bills such as rent/mortgage, car notes, insurance, utilities, etc. Once you have written down all of your set expenses, subtract that amount from your income to determine how much is left over. You are still not finished. Throughout the next month, keep track of all of your other expenses. Even those miscellaneous expenses such as purchasing something from the vending machine at work should be logged in your expenses journal. After you have logged your expenses for a month, review your budget to determine areas you may be able to cut back or even eliminate in order to begin saving money. Some of the most common areas that many people find where they can save money are eating out, take-out coffee, etc.

Beyond those easy ways to save money there are also many other ways you can easily save money. One way to easily save money is to have bills automatically deducted from your bank account. Many companies will offer you a reduced rate if you will agree to automatic deductions.

Clipping coupons is another great way to save money on your groceries every week. Most Sunday papers have great money saving coupons. Go through the special edition and clip coupons for products that you would normally use. If you are able to apply those coupons at stores that offer double coupons on certain days, you will be able to save even more money.

To save money on your utility bills, make sure you turn off lights when you are not in the room. This is an easy way to cut back on your power bills. Installing a dimmer switch can help as well. This is a quick and inexpensive fix that can help you to really reduce your electric bill. When possible, lower your thermostat during the winter and wear a sweater instead. During warmer months, take advantage of the fresh air offered by opening a window in order to drive down your cooling bills.

Consider shopping at thrift stores rather than buying new items. You could cut the price of many purchases in half by simply shopping at thrift shops, consignment shops and through online auctions.

Cutting your entertainment budget by eating out less often and staying home to watch a movie rather than going out can also help you to save more money as well.

Learning the art of menu planning is a great way to save money as well. Many people often turn to ordering out when the hour becomes late and they do not have advance plans for dinner. By planning your menus in advance and shopping around that plan you will always know what you plan to serve and can avoid that last minute dinner rush that so frequently turns into an expensive dinner out.

Rather than going out and spending a lot of money on expensive gifts for birthdays, holidays and other special occasions, consider making your own gifts instead. There are many different kinds of gifts that can be made, including food mixes, soap, cookies, candles, bread, jewelry and much more. These items can usually be made rather easily and also quite inexpensively. When you include a handwritten note with your gift, it will become something even more special that anything you could have found at the store and it will also save you money as well.

If you really need to turn up some extra money you might also think about having a large garage sell and getting rid of some items that you no longer need. While there are no guarantees regarding the amount of money that you would be able to turn up through a garage sale, many people discover they are able to rake in a few hundred dollars with this method.

Finally, consider getting rid of services and memberships that you do not really use or need. Many people often spend a small fortune each year on such items but do not receive any return on investment. By cutting out these items, you can begin to put more toward your savings account.

Article Source: http://EzineArticles.com

Get And Maintain Good Business Credit

2009-05-23T17:09:00.000-07:00

Credit is important for business success & business image. Few entrepreneurs know about or really understand how business credit is established, how it's tracked and how it affects their lives and their business. Personal credit is different from business credit. You don't have to rely only on your personal credit to build, grow or maintain your business. That's why it's good to maintain good business credit.

You can build, acquire and maintain business credit and personal credit separate from each other. In business without interrupting your cash flow, borrowing can allow you to build your company in good times. In slow times credit can help maintain a company's smooth operation. You need a strong company credit profile to increase your company's borrowing potential.

A good company credit rating begins as soon as you start your company. A good way to start & maintain good company credit is by:

1. DEVELOP A BUSINESS PLAN

If you have a new company or already in business, this is an important first step, it helps you company start in a professional manner. Many business owners never develop a business plan or they wait until it's too late. You should always have a business plan. A business plan is usually required by lenders. If you are past the start-up phase in your business, update your plan regularly to take into account its growth and future needs. If you don't plan to borrow, you need to update your plan regularly throughout every year.

2. SELECT A BUSINESS STRUCTURE

This step is completed along with the business plan. If you plan to borrow & show lenders that you are operating in a professional manner, establish a proper business structure, in addition to facilitating your operation. From a credit standpoint, a corporation or LLC could be beneficial. A partnership or sole proprietorship, personal credit information could be included on your business credit report.

3. OPEN A BUSINESS BANK ACCOUNT

It is very unprofessional to mix business & personal accounts. Mixing the two could ruin or damage your personal credit if your company has a problem. A business-only bank account is a way to build business credit since banks offer debit, check or credit cards in connection to that account. Most people that you do business with (if you are exchanging funds) will look for that and it makes your business look more professional.

4. ESTABLISH BUSINESS CREDIT

Every business needs supplies. If you need to, check with major office supply store chains about setting up an account. Wholesale clubs are another good option to setting up credit accounts. If a credit card was not a part of your bank account, apply for one because you never know when you may need to use it. The main point to these credit options is to manage them wisely.

5. REVIEW YOUR CREDIT PROFILES

Regularly review the information collected by credit reporting agencies on your company. Make sure you business credit profile has up-to-date & accurate information. Dispute & report incorrect information in your credit file. Follow-up to ensure that mistakes or errors were corrected in your credit report.

There are specific business credit reporting agencies. Lenders & vendors rely on this information to determine if they want to do business with you. Business credit reports are different from personal reports. Personal credit reports are maintained by three different credit reporting bureaus: Experian, TransUnion & Equifax. Company creditors voluntarily send information to the agencies.

When you open a new account with a creditor, make sure that they report it and your positive payment history to the business credit bureaus to help build your profile. Business credit profiles include :

* Payment histories
* Information on legal actions involving your company
* Business license and registrations
* Corporate financial reports
* Government contracts or grants
* Media reports
* Data from directory listings

Sometimes business credit bureaus conduct direct investigations, interviews with business executives and the companies that they do business with. The major business credit bureaus are:

DUN&BRADSTREET (also known as D&B)

A household name & a major company in business ratings. You should contact them to get a DUNS NUMBER, you may need it with most places that you may do business with. If you do business with the government it is a requirement to have a DUNS NUMBER. D&B creates a profile based on information provided by business owners with your DUNS NUMBER and their vendors, also they create a rating called a DUNS rating based on the financial statements of a business. They issue a PAYDEX score, it's similar to a FICO score of a personal credit report from Fair Isaac & Company.

EXPERIAN BUSINESS

Experian tracks business credit just as well as personal credit. For businesses they only use information from vendors. Then they give what's called an Intelliscore number.

EQUIFAX BUSINESS

Equifax tracks business credit and personal credit. They produce a variety of business scores based on banking & lease payment performance information provided by the Small Business Financial Exchange, INC. Some of the business scores come from the Small Business Financial Account Acquisition Score and the Small Business Financial Account Management Score.

FDIinsight

FDIinsight is a part of the Factual Data Corp, a business-to-business information service. They started out as a personal credit reporting agency for mortgage brokers. Their reports contain information supplied by the company itself or a third party. The staff of FDIinsight, verifies the information independently.

CREDIT.NET

They were formerly known as Business Credit USA, a subsidiary of INFOUSA. They get information from business owners & verify the data before putting it in the reports. Their ratings are based on a "grade" Scale A%2B (95 to 100 points ) to C ( 70 to 74 points).

CLIENT CHECKER

They provided credit about small businesses and only use information provided by vendors. They turn the information into a PAYQUO score which is based on payment histories.

It can take time to build a credit rating for your company, so maintain a good rating. A strong business credit profile will enhance your company's creditworthiness, and also your professional reputation.

Article Source: http://EzineArticles.com

Tax Free Savings Account Info For Canadians

2009-05-23T17:07:00.000-07:00

So I've completed some of my Tax Free Savings Account (TFSA) homework and already I'm impressed. If you don't already have one set up, hopefully by the time you finish reading you will understand you need to get an account established. Just to warn you, if you haven't already set one up, it's not a race, you actually should do some of your own research first as there are many options. As always, some options are much better than others are.

To start with, many people are wondering exactly what is a TFSA and how does it work? When I started researching, I was expecting a very complicated answer to this question, but as it turns out, it's surprisingly simple. It also has some very promising long term implications as a savings/investment tool.

A TFSA is a special savings account that can be opened by anyone who is a resident of Canada 18 years of age or older. This savings account has a current contribution limit of $5,000 per year and any growth in the principal is completely tax free. This $5,000 is indexed to inflation, but will never decrease below $5,000, so over time you will be able to contribute more in some years and potentially this limit will increase each year.

The part that gets interesting is you can hold the same types of investments in your TFSA that you would also be able to hold in an RRSP. Traditionally this would be mutual funds, GIC's, bonds and publicly traded securities. Many people are unaware that they can also hold Arms Length mortgages, Mortgage Investment Corporations (MIC's), or other real estate secured financial instruments in RRSP's as well which can also be held in a TFSA.

While mutual funds and securities can be quite volatile as everyone has seen with the stock market lately, GIC's and bonds however are quite stable with their returns. The problems with GIC and bonds are there is so little risk that the returns are low single digit and after inflation you end up almost breaking even, which is not how you get ahead with an investment.

Opportunities like MIC's and Arms Length mortgages however tend to be slightly riskier, but are attached to property which I consider very secure, and tend to have fixed yearly returns of high single digit and low double digit. Coupling products like these with compounding interest inside a TFSA creates an opportunity for individuals to generate significant growth over time all tax free.

If you consider a couple each investing $5,000 per year in their TFSA and generating a 10% per year return after ten years the $100,000 invested by the couple would be worth $175,000 and is all tax free. Now if you compare this same situation to a $5000 yearly contribution to an RRSP, with the same yearly growth, you would also have the same amount of money at the end, but when you are forced to withdraw it from your RRSP, you would then be taxed on the entire amount!

I'm not positioning this as the end of RRSPs, but as a complementary tool to utilize if you currently have RRSP's. Or if you don't use RRSP's to take advantage of the deduction, you can use the TFSA to save future taxes.

Some great options you have with the TFSA that really help seal the deal is the ability to withdraw from the account at any time and then re-contribute this withdrawn amount back in future years. This allows a younger person just starting out to potentially use the TFSA to save money for a down payment on a house tax free. Or a family could use it as an emergency fund that grows tax free.

Another appealing aspect is carrying over any unused contribution room. If you only have $1,000 to add to it next year, you could then add $9,000 in the following year. This will negate much of the value of compound growth, but will also allow you to contribute more in profitable years, and less in slower years, without being penalized.

Now as you are probably aware, every bank and trust company you can find in Canada seems to be offering to set you up with an account. The part you need to be aware of is that the majority of these institutions will only allow you to place these funds into the limited financial instruments like GIC's, mutual funds and bonds that they offer. If your goal is to put a certain security fund or MIC into your TFSA, you better be sure you are allowed to do that through the institution you are working with.

Much like RRSP's there are also some companies allowing you to set up self directed TFSA's, but if you establish your account with one bank, you may incur additional costs transferring it over to another place. This will require you to have a plan prior to randomly starting the account at your closest bank.

I hope you can see some of the positive possibilities available through setting up one of these accounts and I have managed to get you a bit excited about this. I'm currently looking into more information about some of the MIC's as I think this may be one of the better options to get started with for people. They are have slightly more risk than a GIC, significantly less risk than most mutual funds, and provide a pretty stable return to grow your investment.

So I have now walked you through the basics of Tax Free Savings Accounts, I'm sure I have now opened a new topic with the option of MIC's and many of you may be wondering how and where to get information on these. Well don't worry I won't leave you hanging with this either. I'm working on information on this as well, so if you want to get updated on this make sure you leave me a comment, email me or give me a call.

Article Source: http://EzineArticles.com

A Health Savings Account Or HSA Medical Plan Offers Significant Tax, Premium, & Retirement Savings

2009-05-23T17:06:00.000-07:00

Opening a Health Savings Account today in partnership with an HSA qualified health insurance policy is what anyone should wisely consider as a smart alternative to continue paying for a traditional health insurance plan. Medical Insurance is the newest form of an investment vehicle that offers any person or business tremendous financial & tax benefits. Once you see the picture, understanding HSA health savings plans is very easy. Please read on and take an opportunity to become informed right now.

Since first being signed into law in December 2003 by the Federal Government, Health Savings Account (s) (HSA medical insurance plans) are already a proven success & the number of people switching to HSAs from traditional health plans is growing greatly each year. HSAs are here to stay & a few million people have already come on board. Health Savings Account Plans are literally available today to any person over 18 in the United States. HSAs offer significant financial benefits including tax, premium, & retirement savings for you, your family, and/or your business. Knowledge is power when it comes to your finances!

A Health Savings Account enables you to:

1) Have access to a wide PPO network and in most cases provides the coverage to allow you to continue seeing your current doctors & specialists.

2) Lower your health insurance premium by 25% - 50%. to accomplish this, be sure to fully compare health insurance plans. One can typically save between 80 to 250 dollars per month when they change their plan over from a traditional health insurance plan to an HSA qualified high deductible health savings plan. Now make sure to forget any preconceived notions you may have about having a high deductible. Do not pay attention to what you may have heard. Don't be deceived! Although you'll now have high deductible insurance, there are safety nets that will be there to catch you if & when the need arises.

After your HSA is setup, the first step to take is to place money you save from having a lower monthly premium and place it into your new Health Savings Account each month. Realize that doing this really doesn't cost you anything; you are simply transferring the money you have just saved into a new location.

3) Next, enjoy IRS created triple tax advantages (see the "a-b-c" listed below) that HSAs uniquely offer. Reduce your annual out-of-pocket income taxes up to $1800 or more. You'll save EVERY year on taxes from here on out. Below are your three main tax-saving pillars.

a) HSA Contributions (deposits into your HSA account) are 100% tax free

b) The interest on all of your account investment gains are also 100% tax free. The choice of investments is yours and range anywhere from low-interest, virtually zero risk bank rates to the widest range of stocks, bonds, & mutual funds. The level of risk is entirely up to you and you can modify it anytime.

c) Make 100% tax-free withdrawals for any HSA Eligible Expenses.

While your funds grow tax free, you are now building a significant retirement account of up to several hundred thousand dollars. If you must use the money to cover any part of your deductible, you can make a tax free withdrawal and use the funds. These benefits & factors discussed above diminish the impact of having a high deductible plan. Furthermore, realistically there will often be periods of time where your money is solely growing because you have no medical expenses.

Here is another benefit. The Internal Revenue Service (IRS) rule says that at age 65 the money from your Health Savings Account can be withdrawn penalty-free for any reason, not only for qualified medical expenses. At that time you will pay only regular income taxes if you do not use the funds for medical expenses. The good thing however is that your income during retirement generally goes way down. Your tax rate will follow & you'll be paying lower income taxes. Of course the funds may continue to be used entirely tax free for HSA eligible expenses.

Finally, take comfort as that the funds in your HSA-account are always yours without exception, and they rollover 100% from year to year. You are permitted to even do a one time rollover from an IRA into a Health Savings Account without any penalty, if you choose.

And yes ... you may continue fully contributing to your IRA every year while still making the maximum allowed HSA contributions. Having both types of retirement accounts is the ultimate scenario, but if you can only contribute to one type... I would certainly recommend the Health Savings Account. This is because HSAs unlike IRAs are more than solely a retirement savings vehicle.

The straight truth is that many people are still rather unclear about HSA Health Savings Plans and what they truly accomplish. Too often, an individual or business's insurance broker has not kept them properly up-to-date on all the benefits available to them. Remember that although every agent & broker is obligated by a legal fiduciary duty to serve his or her client's best interest at all times, this duty is typically not policed or enforced by the Department of Insurance. It is not that the agents/brokers lack competency. But truly, what incentives do they really have to educate their clients on HSAs if doing so will lower their commissions? Not much of one. But who loses....YOU!

Last but not least, although the health insurance companies are legally obligated to offer HSA health savings plans in their product lines, they are not going out of their way to promote & publicize the full advantages of HSA plans. Doing so would also lower THEIR profits.

You are probably now realizing that as an insurance consumer, you really must take matters into your own hands and become accurately informed. Despite what you may have heard, HSAs are actually beneficial to anyone, not just the wealthy, or only people nearing retirement age. Regardless of income level, if you pay for health insurance, you owe it to yourself to consider and compare the benefits of an HSA health savings plan versus the more traditional health plan you are probably accustomed to. The expert advisers at HSA Health Savings are on a mission as millions of folks and their families are missing out on the tremendous financial benefits that are so readily attainable RIGHT NOW. We are thrilled because the benefits of health savings plans can literally transform the financial portfolio of people just like YOU.

Article Source: http://EzineArticles.com

Accounts Receivable Financing - Think Differently

2009-05-23T17:02:00.000-07:00

Borrowing money is as American as apple pie. Americans borrow money to purchase houses, to finance automobiles, and to pay for luxury items on their credit cards every day. It is a rare individual that can pay all cash for their house, their car, or their credit card bill every month. The U.S. economy thrives on credit because of the recycling of cash when these purchases occur. America is an economic powerhouse, partly because collectively we borrow so much money to have things today, instead of saving the cash to buy these items some day, if ever, in the future. Economic theorists are of the opinion that when you purchase a house, the cash recycles about seven times: to the realtor, to the title company, to the mortgage broker, to the lender, the butcher, the baker and the candlestick maker, and so forth.

We live in the land of opportunity. You do not need a college degree or pedigree to become an entrepreneur. All you need is the ability to organize, manage, and assume the risks of a business with a sufficient amount of cash to fund the business.

Borrowing money is the American paradigm for success for individuals and for businesses. According the American Heritage Dictionary, a “paradigm is:

1. One that serves as a pattern or model.

2. A set or list of all the inflectional forms of a word or of one of its grammatical categories: the paradigm of an irregular verb.

3. A set of assumptions, concepts, values, and practices that constitutes a way of viewing reality for the community that shares them, especially in an intellectual discipline.

Usage Note: Paradigm first appeared in English in the 15th century, meaning "an example or pattern," and it still bears this meaning today: Their company is a paradigm of the small high-tech firms that have recently sprung up in this area. For nearly 400 years paradigm has also been applied to the patterns of inflections that are used to sort the verbs, nouns, and other parts of speech of a language into groups that are more easily studied. Since the 1960s, paradigm has been used in science to refer to a theoretical framework, as when Nobel Laureate David Baltimore cited the work of two colleagues that "really established a new paradigm for our understanding of the causation of cancer." Thereafter, researchers in many different fields, including sociology and literary criticism, often saw themselves as working in or trying to break out of paradigms. Applications of the term in other contexts show that it can sometimes be used more loosely to mean "the prevailing view of things." The Usage Panel splits down the middle on these nonscientific uses of paradigm. Fifty-two percent disapprove of the sentence The paradigm governing international competition and competitiveness has shifted dramatically in the last three decades.”

For more dictionary information please see: The American Heritage® Dictionary of the English Language, Fourth Edition Copyright © 2000 by Houghton Mifflin Company.
Published by Houghton Mifflin Company. All rights reserved.

What does this have to do with accounts receivable financing?

Banks exist primarily to loan money to people and businesses, on a safe and sound basis according to federal banking regulations. The banking paradigm for businesses involves offering checking and savings accounts to take money in, and offering various types of business and personal loans to “get the money out”. Their goal is to make a profit on your cash for the bank. To qualify for these loans you have to prove, to the bank’s satisfaction, that you have the clear and present ability to repay these loans. If you are a startup company, a company that is growing very rapidly, or an established company that is affected by a sudden negative event, the banking paradigm may not work for you. Perhaps, you need to think differently; perhaps your perspective is “inside the banking paradigm box” and you need an alternative.

What is inside the box thinking? According to 'Thinking Outside the Box'? By Ed Bernacki Published April 2002:

“Thinking inside the box means accepting the status quo. For example, Charles H. Duell, Director of the US Patent Office, said, "Everything that can be invented has been invented." That was in 1899: clearly he was in the box!

In-the-box thinkers find it difficult to recognize the quality of an idea. An idea is an idea. A solution is a solution. In fact, they can be quite pigheaded when it comes to valuing an idea. They rarely invest time to turn a mediocre solution into a great solution.”

Mr. Bernacki distinguishes “inside the box” thinking vs. “thinking outside the box” as follows:

“Outside the Box
Thinking outside the box requires different attributes that include:

• Willingness to take new perspectives to day-to-day work.

• Openness to do different things and to do things differently.

• Focusing on the value of finding new ideas and acting on them.

• Striving to create value in new ways.

• Listening to others.

• Supporting and respecting others when they come up with new ideas.

Out-of-the box thinking requires openness to new ways of seeing the world and a willingness to explore. Out-of-the box thinkers know that new ideas need nurturing and support. They also know that having an idea is good but acting on it is more important. Results are what count.”
If your B2B business does not have enough bank credit to expand at the rate you need, or if your B2B business cannot take advantage of growth opportunities because of lack of funds, you may need to think differently: think outside the box. Think of using the virtually unlimited financing that is available from accounts receivable financing.

To think differently, you may need to overcome the two most common “inside the box” concerns regarding accounts receivable financing.

Objection: “Our customers will not want do business with our company if they know we are dealing with a commercial financing company to finance our accounts receivable”.

Think Differently: Accounts receivable financing allows you to offer credit terms, like the bank. Many businesses prefer to resell your products or services and earn a profit before they have to pay you for your product or service. Accounts receivable financing generally involves notification to your customers of the arrangement to “manage” your receivables; and verification from your customers that your product or services were “satisfactory”. From your customer’s point of view, someone in their account’s payable department is changing the “pay to” portion of their check to the address of a commercial finance company. Usually the check is cut payable to you and sent to a P.O. Box of the commercial finance company. In certain situations, notification may not be required at all; this is called non-notification factoring.

Objection: “Accounts receivable financing is too costly”.

Think Differently: Accounts receivable financing is a paradigm for success; you will have the necessary working capital you need to fulfill larger orders by accelerating your cash flow. You will need a gross margin of 20% or more, in general, for this type of financing to make economic sense. There is an inverse relationship between the cost of financing and the size of your credit facility: the larger the credit facility, the lower the cost. In other words, the fees and rates will be less for $500,000 per month than for $25,000 per month.

The bottom line: Accounts Receivable Financing- Think Differently! is intended to help you think “outside the box” and become more profitable. One tried and true paradigm for achieving this result as an entrepreneur with a B2B business is accounts receivable financing.

Article Source: http://EzineArticles.com

Swiss Bank Account

2009-05-23T08:37:00.001-07:00

These banks offer more than just a Swiss Bank Account. They also offer Wealth Management, Wealth Planning, Asset Protection, Swiss private banks are the preferred choice for wealthy individuals and corporations seeking to use the experience of Switzerland's oldest Private Banks, prestigious and prolific Swiss private banking services.

They offers wealth management, wealth planning, investment planning and asset protection solutions to our clients. They build relationships with clients and structure Wealth Planning to suit their personal needs. Their financial expertise and efficient planning will produce prolific accounts for you. They offer a full range of private banking services. From financial consulting to real estate, securities and inheritance planning we can find the right solution for you.

Their investment management is highly confidential and personal. They develop a high degree of trust with their clients by giving them a truly personalized banking solution.

A Swiss private bank can offer asset protection for clients with a substantial liquid net worth. Offshore asset protection is becoming increasingly popular with clients seeking to safeguard their savings from litigation, punitive taxation or possible future divorce settlements by distancing themselves from their assets in the eyes of the law. Swiss private banking consultants are highly experienced and can offer you the very best advise and services.

Asset protection Trust, Swiss private banks offers clients a convenient and efficient system for opening and managing corporations, trusts, foundations, partnerships, limited liability companies and other entities in a wide range of jurisdictions. Some examples of the entities and jurisdictions utilised are a follows:

They provide introductions to major institutional trustees and are also are affiliated to private international trust companies. Accordingly, Swiss private banks are able to provide clients with an array of choices for trustee selection, from the large institutions to smaller, more flexible private trust companies. Specific services offered by Swiss banking professionals in this area include:

Providing mailing address for a trust or trustee

Providing secure storage for original trust agreements, share certificates, letters of wishes and related documents.

Preparation of annual accounting for trusts and beneficiaries

Provision of nominee officers and directors.

Preparation of minutes and resolutions for routine and special corporate meetings

Financial corporate book keeping and accounting.

Preparation of financial statements.

http://www.swissprivatebank.com

Article Source: http://EzineArticles.com/?expert=Billy_Fitzgerald

Current Bank Account - A Need For Many People

2009-05-23T08:36:00.001-07:00

A current account depicts the current monetary situation of an individual. Made up of three items, the first is the earnings that he gets by deducting the items that he bought from the earnings generated from the items that he sold. Otherwise known as the balance of trade, this amount is then added to the factor income. This is a total of all the interests and dividends acquired. The resulting amount is added to the total earnings in the form of aid etc. The final amount is the money present in the current account.

There are many associated features of a current account. Hence one of this is the capability of the current account holder to withdraw any amount for the account as many times as possible in a month and and hence this is thus different from a savings account altogether where the account holder can withdraw money only for a certain number of times in a month.

Banking services in India have undergone a major upgrade with new technologies and has a more customer focused approach. This has led to increase in the number of types of services like the plastic money and online banking. These services which have now been incorporated in most of the major banks have led to a much wider customer base. This is thus indicative of the increase in the level of competition among banks and hence have led to a greater pool of choices for the customer.

Hence today anybody who wants to open a current account has a huge pool of choices and hence has too much information with most of it being misleading and not required. The goal thus for opening a best bank current account requires many things that the prospective customer should be aware of.

One of the main checkpoints which a customer should look out for is the interest rate which is associated with the current account. There is a term called AER which assumes a considerable seat of importance for the customer to judge the worth of a current account. AER is annual equivalent rate and shows the total amount which would have been paid in case the interest was given once a year. A good current account has a high AER and hence the owner of the account will be able to reap the benefits of an higher interest on his credit. The system is somewhat similar when a person takes an overdraft with the exception that the amount of money is subtracted rather than getting credited. Hence a good current account is one that fetches a high interest rate on credit and a low interest rate on overdraft.

The Indian scenario provides many banks which pay a decent AER and hence have the capabilities of providing good current account features. For example the Citibank Direct Current Account pays 4.59 percent AER and is considered as to be one of the best rates being offered in the market. This is one of the notable examples and there are many other banks which provide good prospects by opening a current account.

Current accounts are however for business purposes only and hence the individual who being a businessman would naturally like to have the best deal possible. He thus would like to be involved in opening the best bank current account and therefore have all the necessary information to choose the best option. The interest factor is one of them and there are many other rules which make a current account good or bad. The person therefore needs to visit the websites of major banks in order to find out the best options possible and all the other linked information which is necessary to be understood to the best possible level.

Article Source: http://EzineArticles.com

Finding The Right Bank Account - What To Look For

2009-05-23T08:34:00.000-07:00

A bank account is a very important financial tool and facility to most people, and it is important that you ensure that your bank account offers everything that you need to conduct your day to day finances with ease and convenience. There are a number of bank accounts available to consumers these days. However, you may find that your options are restricted based on your circumstances. For example, if you have poor credit you may find that you are only able to get the most basic of bank accounts until your credit improves.

If you do have the option of selecting from a choice of accounts you can decide between accounts such as a basic bank account, a standard current account, or a premium current account depending on your needs and circumstances. When looking for the right bank account there are a number of things that you should compare and check so that you can find the right account to suit your needs.

This includes:

Does the bank account offer a debit card and cheque book?
Does the account offer any overdraft facility?
Are there any monthly charges for the account?
Can the account be upgraded to a premium account?
What sort of interest rate does the account pay on credit balances?
Are there any incentives available for singing up to the bank account?

Most banks accounts within a particular category offer the same sort of facilities. For instance, most basic bank accounts will enable you to make payments, receive payments, and set up direct debits but will not offer any cheque book, debit card, or overdraft facilities. Most current accounts offer all of these benefits, along with debit cards, cheque books, and often with overdraft facilities. Most premium accounts offer the same benefits as a current account along with a range of additional benefits, but they do charge a monthly fee, which can vary from one account to another.

These days, with banks in tough competition with one another to try and gain customers, you will often find some very tempting incentives on offer, particularly when you join up for a bank account online. This includes cash incentives, where after a qualifying period you can enjoy a credit of £50 or even £100 to your account depending on the offer. If you are thinking of opening a bank account or switching accounts then it is a good idea to look out for such incentives, although do make sure that the actual account is suited to your needs, as there is little point singing up for an account that is not suitable or charges a monthly fee just for the sake of a one off cash payment.

You can compare different bank accounts with ease and convenience these days simply by going online. Most banks, both Internet only banks and high street banks, offer information on their accounts online, and with some you can even make your application online, saving you a great deal of time and hassle.

Article Source: http://EzineArticles.com

Video : Open a bank account

2009-05-15T05:44:00.001-07:00

Open a bank account

2009-05-15T05:39:00.000-07:00

How To Open Us Bank Account For Malaysian
E-Commerce is the largest marketplace in the world. E-Commerce serve user al over the world in 24 hours a day, 7 days a week, 365 days a year. People can surf the web anytime and anywhere they want through the web. Certain item, they can get it instantly. And certain item, they can buy it online and wait until they receive the item. Open a bank account

As one of the Malaysian, i am interested in a lot of offer in the web. But most of them only offered for U.S citizen. Such as eBay. But, i discover the way on how to participate the offer even i am not U.S citizen. I open an account with paypal and follow the process to become verified. I discover the problem when paypal only offered U.S bank to be verified in PayPal. I search the information in google on how to open U.S Bank for Malaysian, but i found the information is not much. So that i done my research and believe that i can be verified as long as i know the right way. I spent 2 month to do the process and finally i am verified and i start buying online at U.S site such as eBay, Amazon and a lot more using my PayPal account and US Bank Debit Card.

At the beginning, i only buy online without selling anything. After 2 month buying and experiencing buying online, i learn on how to be a good seller from the seller i bought e-books, watches and etc. They always giving the right information and shipping service to the customer. Open a bank account

I start selling online such as watches, wallet, information and a lot more using my PayPal account and most of the service that i love is online consultant. I become a online seller from the experience i have while online the web almost everyday.

From this experience, i know the way on how to open U.S Bank account for Malaysian. Malaysian can sell online buy using a lot of merchant account offered in the web. But PayPal also offered a service accept credit card payment and in the same time it's been used by 88% US citizen to buy online. The benefit having this account is more because PayPal user only pay to another verified PayPal account. So that, PayPal is the best merchant service and also the best payment method that also offer insurance for buyer and seller. Open a bank account

The important part having PayPal verified is, only verified user can withdraw their money. For Malaysian who wanted to learn the way opening U.S Bank account and be verified in PayPal, i am offering the online consultation using Yahoo Messenger. So that, they dont have to read a lot of e-books that offer the method and finally they don't understand what they have to do and forgot what they have to do to be verified in PayPal.

Source: ezinearticle.com

Open a Bank Account | Bank Account | Bank Savings Account | Bank Checking Account

2009-04-27T11:53:00.000-07:00

Open a bank account shouldn't be so hard
If you're a young person who has just begun to earn some money, it is very important that you know how to open a bank account. Once you do, you'll have taken the first step in a long-term process of financial independence and growth.

A bank account is not only essential to cultivating savings, it is also important for day-to-day financial activities. Before you decide what bank or financial institution with which to do business, however, do some research. Talk to your friends and family about where they do their banking. Ask them questions about the service their bank provides, and whether or not they are satisfied with it. Still think that open a bank account is hard ?

Next, determine exactly what type of account you want. The two most common types of accounts are a checking account, and a savings account. A savings account does just what its name implies – it allows you to deposit money in the bank that will receive a small amount of interest over a period of time. A checking account is intended more for daily, weekly, and monthly transactions, such as the writing of checks and the withdrawal of cash for various minor purposes. For this reason, a checking account does not usually generate interest.

When choosing a bank account it is crucial to know what services are important to you. Do you want low fees, access to an ATM machine, good customer service by phone and Internet banking? Or maybe you simply want to have an account with a bank that is located conveniently close to home? These are all key questions you must ask yourself before choosing a bank. So, what do you think? open a bank account is hard?

Once you've chosen a bank, all you have to do is go to the branch and fill out an application form. Most of the time you also have to provide the bank with an initial deposit for the account as well. Then you are given a bank number and an ATM card (if you chose this option). If you have opened a checking account you will also be given a book of checks. Go and open a bank account

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