Finance :: Wealth-Building
Internet Banks
Posted by admin on May 30, 2008 in Finance :: Wealth-Building
I’ve been looking into internet banks lately. I’ve had enough of big local banks. Lousy rates and high fees - why stick with them? It’s time for a change, so I’m going to try something new. I mean after all, it’s my money, and I’m lending it to them. They should pay for the privilege. And why should I have to pay fees to them? It’s not like I get to charge them fees when I borrow money from them. I personally like Ing Direct Orange Savings Accounts. I’ve been with them for a couple of years now, and have no complaints. I’ve saved a lot of money as well. I know some people have issues with not being able to meet their bankers in person, but honestly I don’t really care about that. More people should check out internet banks instead of big banks.
Online Checking Accounts
Posted by admin on May 29, 2008 in Finance :: Wealth-Building
Bank of America stinks, just so you know. I’ve been using them for years just because they have ATMs all over town, but now I’m checking out online savings accounts. There are much better deals to be had there. Sometimes you have to remind yourself that you are lending your money to the bank with these accounts, and they ought to be paying you. It’s not like you get to charge the bank fees when they loan you money, after all. I’ve been checking out Bank of the Internet. They’re a pretty good deal. Low fees, good rates, good access. And I can use any bank’s ATM. I know some people have issues with not being able to meet their bankers in person, but honestly I don’t really care about that. In fact, I think most people would be better off switching to an online bank.
Online Banking
Posted by admin on May 29, 2008 in Finance :: Wealth-Building
I’ve been banking at Wells Fargo for years, but I’m fed up with the lousy rates they pay for their deposit accounts. I’ve decided to look into online banks instead. There are much better deals to be had there, It’s your money, after all, and the banks make money off it just by virtue of having it. It hardly seems right that they would nickel and dime you to death with fees on top of it. I personally like WT Direct. I’ve been with them for a couple of years now, and have no complaints. I’ve saved a lot of money as well. Frankly, I couldn’t care less about meeting a banker in person. I’d much rather do my banking online with a click or two than wait in line at the branch. You might want to look into the benefits of online banking yourself.
Learning About SEP IRA Plans
Posted by admin on May 20, 2008 in Finance :: Wealth-Building
Learned today that my employer offers
SEP IRA Plans instead of 401ks. I know nothing about them. Time to do some research.
In particular, I need to know more about Sar Sep Accounts. There’s some decent stuff on the net about it, but it’s hard to stay focused on it. This stuff is just so dry and dull.
I’m hoping I’ll be able to set things up once and be done with it. Use dollar-cost averaging to smooth things out over time.
Online Savings Accounts
Posted by admin on May 9, 2008 in Finance :: Wealth-Building
Bank of America stinks, just so you know. I’ve been using them for years just because they have ATMs all over town, but now I’m checking out online banking. There are much better deals to be had there. I mean with the rates most big banks pay you, you’re not even keeping up with the huge rate of inflation in this country. Not even close. You’re actually losing money in real terms. Not exactly the sort of reward you’d like to get for saving. Specifically, Irwin Union Online Banking is a great deal. They pay good rates, and don’t charge all of those hidden fees that the big boys are always hitting you with. I mean, who wants to wait in line at a bank branch when you can get your business done in a few seconds online? In fact, I think most people would be better off switching to an online bank.
High Yield Online Savings
Posted by admin on February 19, 2008 in Finance :: Wealth-Building
I’ve been looking into online checking accounts lately. I’ve had enough of big local banks. Lousy rates and high fees - why stick with them? It’s time for a change, so I’m going to try something new. I mean after all, it’s my money, and I’m lending it to them. They should pay for the privilege. And why should I have to pay fees to them? It’s not like I get to charge them fees when I borrow money from them. Specifically, WT Direct is a great deal. They pay good rates, and don’t charge all of those hidden fees that the big boys are always hitting you with. Frankly, I couldn’t care less about meeting a banker in person. I’d much rather do my banking online with a click or two than wait in line at the branch. You might want to look into the benefits of online banking yourself.
Payday Loan Companies - What You should Be Aware Of
Posted by admin on February 8, 2008 in Finance :: Wealth-Building
There are many companies that are offering online payday loan on the Internet. They are increasing in number as the number of people who are in need of loans is also growing. With this big number of companies, there will always be some that are not legitimate. To avoid falling into their trap, you should exercise caution on dealing with payday loan companies. Do not give pin numbers of your accounts. The company doesn’t need this information when depositing your loan. Also be cautious when giving your personal information, such as license number or social security number. You might become a victim of identity theft. To be on the safe side, always know the company you’re dealing with.
Using Budget Software
Posted by admin on January 22, 2008 in Finance :: Wealth-Building
Budget software allows you to manage your real world checking, savings, or even credit card accounts at the same time as you’re managing your expense envelopes. You will be able to balance your account, print checks, and view your checkbook register. On pay-day, you have to manually enter your income and distribute it to the according virtual envelopes. But the real power of budget software lays in the ability to set up your budget plan in advance. Now, you can start looking beyond the next day. You define your expenses and preallocate future income deposits directly to your envelopes. When you get paid you simply enter the pay and personal budget and finance software does the rest. You will find it easy to stick to your budget when you pay your budget first.
Online Banks
Posted by admin on January 5, 2008 in Finance :: Wealth-Building
I’ve been looking into online banks lately. I’ve had enough of big local banks. Lousy rates and high fees - why stick with them? It’s time for a change, so I’m going to try something new. I mean with the rates most big banks pay you, you’re not even keeping up with the huge rate of inflation in this country. Not even close. You’re actually losing money in real terms. Not exactly the sort of reward you’d like to get for saving. Specifically, WaMu Online Personal Checking is a great deal. They pay good rates, and don’t charge all of those hidden fees that the big boys are always hitting you with. I mean, who wants to wait in line at a bank branch when you can get your business done in a few seconds online? In fact, I think most people would be better off switching to an online bank.
For Large Real Estate Assets You Need a Management Company
Posted by admin on January 3, 2008 in Finance :: Wealth-Building
When you purchase real estate as an investment, you have to invest a great deal of money. In many cases handling one property or even two is simple, but for people that have more than that, they usually need the assistance from one of the different asset management companies. A real estate asset management company specializes in managing real estate. They take care of things like maintenance, rentals, contracts, etc. They also inform their customer when it’s a good time to sell a property or even when to buy a property. A real estate asset management company can be a good management decision and can even give you information on when to buy or when to sell properties.
Term Life Insurance Explained
Posted by admin on January 1, 2008 in Finance :: Wealth-Building
A term life insurance can be broadly classified in two->Annual Renewable Term- here the premium paid is annually for one years coverage. If the policy holder extends the plan then he would have to agree to pay the increasing rate of premium.>Level Term Life Insurance- premium in this form of insurance is paid for a fixed number of years which is the same.
