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

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

Basic Bank Account

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account holder with a card to withdraw money, which may or may not be free of charge, depending upon where the money is withdrawn.

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

Current Account

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

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

Savings Account

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

Student Account

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

Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

Banking sector is growing fast and flourishing with every passing year. It recruits many individuals every year for various posts. However, since it is a highly coveted career option, the recruitment process is very tough and the selection rate is very low. This makes it a stiff competition for the candidates appearing for the exams. However, it is a hectic procedure for the respective bank as well. It is very difficult to recruit the most capable candidate out of the thousands who appear for the exam every year. However, they cannot compromise on this, as banking sector requires a strong team of loyal and hardworking individuals who take care of the monetary matters of the citizens of our country. it is also a tough job to conduct exams every year for thousands of candidates. However, IBPS is a solution to this problem faced by most public sector banks. It is an autonomous body that recruits individuals for various posts in public sector banks of India. This year, for the first time it is conducting CWE (common written exams) to recruit candidates for the post of Bank PO. IBPS uses the latest technologies to recruit the most capable candidates. It is built up a strong faculty of professionals who are trained in various fields like, psychology, marketing sector, banking industry etc. It has various offices spread throughout the country, which conduct exams every year for various posts in public sector banks. The establishment of IBPS has been a blessing for many public sector banks who have successfully recruited many capable individuals based on the exams conducted by IBPS. Its efficient team of employees and latest technologically advanced machines allow quick printing of question papers and unbiased checking. It also conducts training programmes for its clients so they realize their potential and choose the post accordingly. Common written exams (CWE) is another effort by IBPS to recruit candidates easily for the 19 public sector banks connected with it. It will be like bank exams, but all the candidates would be given the same question paper. After clearing the exam, they will get a score card. If a vacancy arises in any of the 19 banks involved, the candidate can directly reach the interview level with the help of the score card.

Thus, IBPS has taken the responsibility of bank recruitment for various public sector banks. Its new endeavour to commence a href=””>CWE for the post of bank po has been appreciated by many. It will follow an unbiased procedure to recruit capable indviduals.

Download list of , bank exm question parer , a href=””>CWE and tips for on jagranjosh.com

There are different types of money lenders and this article deals with the different types of money lenders present in the market scenario. Some of the different types of money lenders are

Mortgage bankers
Mortgage brokers
Wholesale Lenders
Portfolio lenders
Direct Lenders
Correspondents
Banks and Savings & Loans
Credit Union

Mortgage Bankers

A mortgage banker is a lender that can originate loans which they can sell to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Thus a company who is capable of doing the above function is termed as a mortgage banker; however their size differs based on the different companies. Some mortgage bankers service the loans to the customers which they have originated while others do not. Most of the brokers have wholesale lending divisions. Some of the examples of mortgage bankers are Countrywide Home loans and Wells Fargo Mortgage. In this example one company is associated with a bank while the other is not. Many companies call themselves as mortgage bankers while some are really bankers but as far as the case of the others is considered it is mostly marketing.

Mortgage Brokers

Mortgage brokers are institutions who originate loans with the intention that they would give the amount to wholesale lending institutions. A broker has contacts or a set relationship with these wholesale lending institutions. Underwriting and the activity of funding takes place at the wholesale lender. They deal with the institutions that have wholesale loan department.

Wholesale Lenders

Many of the mortgage brokers and even the portfolio lenders act as wholesale lenders. They cater to the need of mortgage brokers for the origination of loan. There are some wholesale lenders that do not even possess their retail branches as they rely on mortgage brokers for the loans.

Portfolio lenders

An institution which lends own money and originates loans for itself is referred to as portfolio lender. Thus in this way they are lending their own portfolio of loans and they are not concerned about being able to sell them on the secondary market. Thus they need not abide by the rules of Fannie/Freddie guidelines and thus they can create their own rules for ascertaining the credit worthiness. Usually portfolio lenders are large banks. Only a particular part of their loan programs are portfolio products. Incase they are providing fixed rate of loans or government loans, and then they are definitely engaging in mortgage banking as well as portfolio lending.

With the way the economy is today, and how most college funding sources are cutting back. Its essential, to think outside of the box and find out how to get free money for school. And if you can do it fast, without credit checks or high interest loans the better.

Before I give you the tactic to use to find funding for your school, let me let you in on a big tip to finding the money you need today.

Most financial aid counselors, teachers and parents mean well when they tell you to apply for Fasfa and government aid. But in reality, they have no clue about how things work anymore.

These traditional resources used to work, 10 to 20yrs ago but today they are overwhelmed with all the people entering school and older people going back to school.

This makes it impossible for you to get the money you need, and it leaves you to resorting to getting school loans that leave graduates in debt for an average of 30 to 40yrs.Not Good!

If you are just willing to think different and learn how to get free money for school, from non-traditional sources you would be way better of!

Here is one very effective way you can use this week, to get the college funding you need fast

Im talking about online funding giveaways and contests. Now, before you start forming your own opinion, hear me out

These are nothing like lotteries or empty promise companies, that charge you just to enter for a chance to win something.

There are tons of websites all over the place that offer money for school, that you register to win. What you end up doing is filling out surveys on how you think, how you spend your time online, what mosts interests you online and what are your top visited websites.

They then take this information and sell it to third parties for market research. This helps them structure their advertising and products. So you buy more.

In turn, they pay a fee to the website that sold them the information. This is how they can provide money for your school funding for free.

Very simple, but most students just don’t have the know-how to think outside of what everybody is telling them to do.

Have you been worried or even just concerned about meeting a high monthly mortgage payment? Perhaps you have been pondering negotiating for a better deal, such as a Bank of America loan modification period. This nationwide lending bank is now offering loan workarounds to some of its borrowers. You can improve your chances of getting the loan modification deal. If you meet certain approval requirements, you can lower your mortgage payment. Before you apply, you need to know about these Five Steps to Approval.

1.Study the Bank of America loan modification approval guidelines. To qualify for a loan workaround program, you must meet specific disposable income and debt to income ratios.

2.Collect all necessary documentation for the bank. A bank officer will review your documents to decide whether you qualify for a Bank of America loan modification. Be sure that you have everything before you apply, in order to avoid any possibility of delay or even denial of your application.

3.A Hardship Letter is an essential part of your document package. You must present convincing, compelling evidence that you have experienced or will suffer from a financial hardship due to your current mortgage payment. There are three essential elements in a Hardship Letter — be sure that you know what they are.

4.Take time to prepare, accurately and properly, the Bank of America loan modification application forms. Everything you state is subject to verification, and so you must include all important information, truthfully, to ensure that your loan workaround is given the maximum possible consideration for approval.

5.Be persistent. Eight weeks is not uncommon for processing time of your Bank of America loan modification application. So be patient as well! Even if you are declined the first time, do not give up. Many homeowners were able to get an initial rejection of their application overturned by being diligent, tenacious, focused, and persistent in their pursuit of an affordable mortgage. Your home is at stake, and a successful application allows you to keep your home.

By studying the guidelines; being diligent, complete and truthful in your application; and persisting in your qualification process, a Bank of America loan modification may well be yours. Take the time and invest the energy in doing the application properly, by understanding the bank’s approval guidelines. Ask any necessary questions for proper completion of the paperwork. Get the help you need and keep your home, as homeowners across the country continue to do. You too can do it!

Discovering how to make money on Fiverr can be very exciting if you know the right step to take. Fiverr attracts thousands of users on daily basis. You can take the advantage of this to make lots of cash. There’s no limit to the amount you can make on the how to make money on Fiverrmarketplace. All you need is to be ready to succeed. You can discover how to make money on Fiverr if you remain very committed.

How to Make Money on Fiverr – Getting Started

To discover how to make money on Fiverr, you’ve got to start from the scratch. You must be a bona-fide member of the global market place before thinking of making money from it. You need to sign up freely and also have your account activated. You also need to render a service at the marketplace. You can join as a service provider or as a buyer. As a service provider, you must have something to sell. You can sell anything reasonable on the marketplace. In most cases, service providers use their talents to make money on Fiverr. You can work as a writer, web developer, graphic designer, and so on. All you need is tohow to make money on Fiverr create your gigs. You can start with $5 per gig. You can as well increase the price. The quality of your service determines how much you’ll set as your price. You’ll continue to learn how to make money on Fiverr if you keep researching.

How to Make Money on Fiverr – Be an Employer

You can discover how to make money on Fiverr as an employer. Fiverr has thousands of services providers on its network. You can register as an employer to use the services of the providers. You can get lots of tasks done by engaging the best providers. You have to spend time to search for the best providers. You can attract many of them by letting them know about your needs. You’ll continue to discover how to make money on Fiverr as you use the online marketplace.

To succeed in learning how to make money on Fiverr, you need to get yourself updated on regular basis. You have to update your gigs on the network. You also need to have a catchy profile. Remain diligent and set a schedule to succeed. You can move from one level to the other as you work hard on the marketplace.

If you have financial problems, then you know how much stress it can cause you and your family. Especially, when an emergency arrises and you do not have the proper funds to deal with it. You can get help from one of the many personal bank loans that are available, though. There are many different options with different requirements and as long as you meet these requirements you can get some money in your pocket pretty quickly. Here are some of the requirements you will be dealing with.

You should know what your credit looks like. Most banks or lenders are going to base the majority of their decision on your credit and income. most people are not even close to being aware of their credit score or what is on their credit report. You can get a free credit report once a year from all three bureaus just by writing them and asking for it. If you are really in a hurry or in a bind, then just apply for the loan and they can let you know what your credit looks like.

You should know that personal bank loans are not the easiest to get. Banks tend to be pickier than other lenders and usually require pretty good credit. There are some lenders that all you have to do is sign their contract and you get money right then in your hand. They will probably want a voided check and a couple of paycheck stubs, but it can be that simple. However, banks do not work like that. They will pull your credit, check and verify your income and employment, and want some other documents like tax forms and what not.

The only way you will know if you qualify for a personal bank loan is by applying and either being accepted or turned down. Either way you will know what the next step is. You will either have to go to a place that does not require credit or you will have your loan. If you need to go somewhere that does not require credit, then look for a payday loan store or cash advance store to get your fast cash loan.

You can get more information about and discover everything you need to know about Online Personal Loans at:

Security equipment for your retail store must be consistently updated to stay ahead of even the most technologically advanced thieves. To help you get started, here is some basic security equipment your retail store must be in possession of.

Entry Alert Door Chime
During non-operating hours, most thieves would still use the conventional mode of entry and go through the front door of your retail store. Thats why its important you have the necessary security equipment on every door you have in your store. Use entry alert door chimes for doors leading to your main store, backroom, storage, and every other door in the room.

Entry alert door chimes are easy to install; you just have to mount them on a wall or ceiling. No complicated wiring is involved. These chimes are light sensitive and motion activated and able to operate at a maximum of fifteen feet. They run on an AC adapter but they also operate on batteries in case theres a power blackout.

Convex Security Mirror
They can go as wide as 36 inches now to ensure that you see everything thats happening at every corner in your retail store. The best security mirrors are made of shatter-proof acrylic, allowing them to withstand damage from frustrated vandals or thieves when they found out theyve been caught.

These security mirrors also serve a secondary purpose and thats to let you see if there are any customers or clients having trouble so that you could send assistance for them immediately. When shopping for convex security mirrors, be sure that your purchase comes with the necessary mounting hardware and guarantee easy DIY installation.

Under Counter Safe
Dont rely on your cash registrar alone to keep your money safe. Instead of leaving large amounts of money in your cash registrar, immediately store the larger bills in your under-counter safe. The best models feature safety bolts, cash slot baffles, and multiple keys for more stringent security.

When shopping for under counter safes, be sure that its dimensions fit its designated space in your retail store.

Counterfeit Detector Pen
Criminal attacks are not always violent in nature. Sometimes, theyre subtle but this doesnt mean theyre any less damaging if you still end up losing thousands of dollars when youre paid counterfeit money.

Simply use the pen to mark the dollar bills youre having second thoughts of accepting. If the mark shows up a light color then its real but if it comes out dark then youve got fake money in your hands. Be sure to contact the police immediately and save other retail store owners future headache.

Load banks are often talked about in industrial environments, but many people dont know exactly what they are or what they do. Essentially, a load bank simulates the electrical load that powers a piece of electrical equipment. By mimicking the real load that will be transmitted to a source that powers this equipment, it helps to test its reliability.

As a result, load banks are very important in industrial contexts. Keep reading for further information on load banks and load bank testing.

Uses for load banks

Load banks are often rented and used in a variety of situations. In factories, they are useful for testing generators and turbines. In situations where generators are kept on site but only used in the event of a power outage, they may also be useful for regular testing of these generators to ensure that they will still work when needed.

Load banks may also be used to test other back-up power supplies, like batteries and UPS (Uninterrupted Power Supply) systems. UPS load bank testing is often carried out during preventative maintenance. As well as testing whether or not a UPS system works, load bank testing can also test the condition of batteries within the system in order to ascertain how much life each cell has left.

Other applications of load bank testing include ground power testing, tackling problems caused by wet stacking (often found in diesel engines or generators), getting rid of carbon build-up on piston rings and building gas turbine platforms.

Why is load bank testing important?

Load bank testing is important because it helps to prevent disruption to electrical power services. This is very important in factories, when even a small amount of downtime can represent the loss of a significant amount of money. However, its also crucial for hospitals, which depend on electricity to power life-saving equipment as well as basic lighting. Other public institutions, like the military, depend on load bank testing too and its also crucial for airports, gas and electricity suppliers.

The frequency of load bank testing varies between industries and commercial sectors. In some factories, it may occur weekly while in other buildings it may only be an annual occurrence. In the latter case, load bank rental companies are often brought in to carry out the testing. The type of load bank needed may vary, but most rental companies are able to supple different types, such as AC resistive load banks and DC load banks.