Spending and Saving Archive

Online banking is rapidly growing to become a routine part of banking. In 2009 the U.S. Gartner Group surveyed 3,988 adults and 47 percent of the respondents in the U.S. said they engage in Internet …

Over draft protection is costly but it is less costly than bounced checks; not only money is lost when this happens but your reputation as a trustworthy is at risk. Tell me more, you say, …

Interest rate swaps are a trading of interest based cash-flows. To illustrate an interest rate swap, if Company A has an initial floating interest rate of 5 percent on a $10,000 investment but prefers to …

From the beginning of time, when the peddlers strolled through town after town peddling their wares, women have been going out to see what the current offerings were. It seems that they have also been …

Economics says” spend 75% of your income and save 25% for the rainy day”. Saving is indeed a good habit, one should save and spend but spending shall be in accordance with the earning power …

To be successful with managing your personal finances it is important to find tools or a system that works for you. If it seems like a chore, you are likely to not keep it up.  …

When you think about your bank, what comes to mind? For most people a bank exists solely for them to deposit money and withdrawal money at their leisure. And that’s a fine opinion, but a …

The energy market is becoming increasingly competitive and it is the consumer who is footing the bill. Below are a few simple steps you can take around your home to help keep your energy bills …

Banking online is not a novelty anymore and almost all the banks in US are now offering some or most of its services through the online mode. This has made the life of the consumers …

For most kids, being in Disney is a dream come true. After all, it is not everyday that they get to see Mickey Mouse and the gang live. It is not always that they would …

It may not seem like a lot of money to cut out of your budget a day, but $5 equates to $150 a month or $1825 a year! That $5 really adds up quickly, and …

It is going to happen,alongside the cashless society that has been predicted.  Sooner or later, all transactions and contact between customers and their banks will be through electronic banking. The main bonus of this system …

Retailers cleverly design and arrange shops and stores to make shoppers spend as much as possible. They pay consultants mega-money for advice and studies into how people shop. Shops plan where they put stock so …

Six years ago I would have been writing for the other side of this debate; and in truth, a part of me wishes that I could have voted yes. In fact, six years ago I …

Kiplinger’s Personal Finance magazine once reported that the two largest online banks were actually well-known “brick and mortar” banks – Bank of America, with 13.6 million online banking customers, and Wells Fargo, with 6.8 million …

When it comes to finding a place to store your savings, you have an amazing amount of options. You can put it in a mattress, take it down to the local bank or credit union, …

Identity theft is becoming more and more of a serious problem these days and many victims often find themselves with an empty or nearly empty bank account before they know it’s happened. You work hard …

With the economy in free-fall and with no end to the credit crunch in sight, savings are a hugely valuable resource to have. In times of economic uncertainty lending becomes scarce and credit, freely available …

The most valuable tip I ever received about saving money was “decide it’s a good idea.” Once I decided that saving money was, indeed, a good thing to do, I set about finding ways and …

Americans take for granted a number of items constantly in their lives that are not required to survive. One of those things is a vehicle.   Obviously you need transportation, but not having a car …

Mobile banking has become a popular practice in this day and age. Mobile banking is a great time saver for the busy lives that many people lead today. It has become a more convenient way …

When Christmas time comes, it is so easy to get caught up in the commercialism. The media encourages people to rush to stores for the newest sales and “money saving” deals. You cannot escape it …

Saving money on baby items is something that every parent whether they are having the first baby or the tenth can benefit from. There things that you actually need for the baby and things that …

After working in the financial field for several years, I’ve found there are both a lot of advantages and disadvantage to overdraft protection according to your individual situation and your bank. Overdraft protection is not …

Rich Bankers Skip While getting completely brain numbed by politics generally recently, thanks to the paper ripping, feminist, jaw dropping nonsense that cavort these arenas of debate induced with flowery champagne cocktails in the members …

As the American economy started to tank, people looked around to find ways to save cash. They axed dinners out and expensive family vacations. They groomed the dog themselves and spaced out their own haircuts …

Here is a good potential bonus offer for new customers. Chase Bank is offering a $175 bonus for opening Chase FREE Checking account at branch, and using Direct Deposit, Online Bill pay and opening FREE …

If you’re like many Americans who are trying to save more money during the economic down turn, you’re going to need a place to put it. You shouldn’t put it in your mattress, and you …

-Logging on- The home page, although quite attractive, is very ‘busy’ with the range of financial products available and the services that Natwest provide, which applies to almost all bank homepage websites I have visited. …

If you are into banking on the Internet, you should be aware of how much you have in terms of tools to help you. There are many ways in which banking on the Internet is …