Saturday, September 29, 2012

The Different Types Of Jobs In Banking

Those interested in the field will find that there are many different jobs in the banking industry. For instance, you could work for a prominent commercial bank or a small regional bank. There are also savings banks, credit unions and online banking institutions that offer employment opportunities. To give you a better idea of what is available, we have listed some of the most common jobs in the banking industry.

Bank Tellers

It's no surprise that bank teller positions make up 67% of all banking jobs. Aside from the usual tasks of cashing and depositing checks, people working in these positions are currently being trained to sell various banking products to consumers.

Customer Service

As a customer service representative, employees assist consumers with their accounts and resolve complaints via phone or email. The representatives must be thoroughly trained on any products offered by the bank, giving them the knowledge to explain and sell them to customers.

Loan Officers

A loan officer's job involves reviewing and submitting a lot of paperwork. These employees assist potential borrowers with loan applications and then take numerous measures to verify that information. This may include contacting employers, credit card companies, previous lenders and so forth. While loan officers often sell products to banking customers, they generally specialize in consumer, commercial or mortgage leading areas.

Clerical Workers

Banks employ clerical workers to process transactions and also in collections departments as receptionists and secretaries. Administrative assistants typically manage the clerical workers and report directly to bank executives.

Financial Manager

One of the most lucrative jobs inside of the branch is a financial manager. This position calls for one person to oversee the branch's operation, assist clients when in need and counsel customers.

Friday, September 28, 2012

Green Dot Prepaid Credit Card - Review

The Green Dot Credit Card is a prepaid card. This may be unfamiliar so let me explain the basics.

This is not like an unsecured card where the company issues it and attaches a limit on which they then charge interest as it is used. With this you must deposit money and then that amount then becomes your limit.

Instead of making purchases and paying for them later and the interest rate and associated fees. You pay beforehand by loading cash amounts. The issuer is Columbus Bank and Trust Company.

You will need to reload funds onto the card. The minimum amount of the initial load is and the maximum amount of the initial load is ,500.

You can not have more than ,500 loaded on the card at any given time. To reload your Green Dot card, you may have a portion of your paycheck directly deposited to your card or you may purchase a Green Dot MoneyPak universal reload from locations such as Rite Aid, CVS, Eckerd, Radio Shack, The Pantry and other participating merchants. The MoneyPak costs .95.

You will be charged a .95 per month maintenance fee, .50 for each ATM transaction (.00 per international ATM transaction, .00 per cash advance from a teller or non-ATM transaction), up to .00 per call to obtain your balance using the interactive voice response system or a live operator, and fee to replace a lost or stolen card. Always be sure to read the Terms and Conditions before applying.

Columbus Bank and Trust Company also offer a Premier version of this card. Be sure to research the Premier card fees before moving forward.

Fees include a one-time .95 membership enrollment fee and a .00 fee per month if you do not load 0 per month to the card. Additional charges may accrue if you use an ATM.

Likewise, if you purchase one of these cards at a store, the retailer will charge an initial activation fee and a reload fee. Be sure to check with the retailer for the costs involved with purchasing one of these cards.

I do not suggest these cards, however it depend on your situation and why you need the card. Again, personally, I don't really feel that I want to pay to call someone's answering machine.

I also don't want to pay per month merely because I don't reload 0 per month. I believe I should be the one to decide how much a balance I want to maintain.

Additionally, there are other cards which allow more flexibility as to reload options.

Sunday, September 23, 2012

Car Finance Deals

There are many different kinds of car finance deals available. However, in the past couple of years getting financing for a car has become far more difficult than it once was. The credit crunch has led to banks and other financial institutions being far more careful about whom they lend money to and for what reason. Even someone with a relatively good credit rating and a steady job can struggle to get financing for a new or used car. However, if you know where to look it is possible to find finance and it is even possible to find some good deals.

Finding Car Finance Deals

If you have a relatively good credit rating, it is well worth at least speaking to your bank and other financial institutions about a loan. The worst that can happen is that they say no.

If this is not really a viable option speaking to the car dealer or garage you are planning to buy from about the car finance deals they have to offer is a good idea. Because of the fact less finance is available from the banks the car industry has had no choice but to respond and to come up with their own car financing solutions and packages. Without doing so sales of cars would be very flat indeed, because most people cannot afford to buy a car outright.

Car Finance Deals For Those with Bad Credit

If you have a very poor credit rating things can be more difficult. However, luckily, there is still a solution, and that is to buy from a dealer that specialises in selling cars to people with poor credit ratings.

These specialist dealers offer easy to understand and access car finance deals. They will lend to anyone who is in permanent employment and earns a reasonable amount per month. The service they provide is just as quick, efficient and professional as any other loan company's. Rates of interest can be high, but you still have the option to shop around and find the best deal, so this need not be a problem. Some will even take your existing car as a full deposit on any car you buy from them.

Thursday, September 20, 2012

How to Choose A Zero Percent Credit Card

If you're shopping for a new credit card, perhaps you're considering one with zero interest. If properly selected, zero percent credit cards allow you to carry a month-to-month balance, at no cost, saving hundreds of dollars in interest. Although credit cards often put people into debt, a zero interest credit card can help you get out of debt. The card enables you to pay off your balance faster, without worry. Before you fill out an application, it's very important to read and understand the terms of a credit card agreement to avoid surprise expenses.

1. Select A Card Without Fees

If you fail to read the fine print, credit cards can accrue unwanted fees, even the cards without interest. The fees are often expensive, increase your debt and prolong the amount of time it will take to pay off the balance. Select a credit card without an annual fee. An annual fee is charged one time per year and the amount ranges from to 0. Rewards cards often charge annual fees, merely for the convenience of owning the card. Paying an annual fee might make sense if the card provides beneficial rewards that you're consistently using, otherwise you shouldn't pay the fee.

Apply for a card without a late payment fee. Fees for paying late can cost as much as and lead to major long-term interest expenses. On top of the late payment fee, credit card companies have the right to raise your interest rate, or terminate your zero interest period, as a penalty for failing to pay your bill on time. The interest penalty for paying late usually results in a very high rate and can negatively impact your credit report.

Try to find a zero interest credit card without a balance transfer fee. Credit card offers often advertise zero percent for balance transfers, but there's usually a hidden 3% fee, which means you would be charged 3% of the transferred balance. If you transfer a large balance to the new card, you could wind up paying hundreds of dollars from the transfer alone.

2. Apply for A Card With A Reasonable Interest Rate

Owning a credit card with zero interest is great, but the savings won't last forever. If you anticipate carrying a balance after the introductory period ends, it's important to know the future rate of the card. Some credit card companies charge interest rates as high as 30%. Choose a card with a reasonable interest rate, preferably less than 15%. Select a card that includes a grace period. With a grace period, you have an extra twenty five to thirty days to pay off your balance before the interest rate kicks in.

Also, there are usually three interest rates noted on a credit card agreement. One rate applies to purchases, while the other rates apply to balance transfers and cash advances. If you're looking for a credit card with no interest on purchases, make sure the zero percent, advertised on the offer, applies to purchases and balance transfers, not only balance transfers.

3. How Long Will the Introductory Period Last?

There are credit cards with zero percent APR for twenty one months and other cards with only a six month term. If you plan on transferring a large balance from an interest-bearing credit card, it would be wise to choose a new card with no interest for at least one year, unless you're confident that you're going to pay off the balance before it expires. Typically, credit cards with a longer term of zero interest, require excellent credit to be eligible. If you're paying interest on another card, it is worth applying for a zero percent credit card.

4. Pick A Card with Rewards

Zero percent credit cards don't provide as many rewards and benefits as official rewards cards that charge annual fees, but you can still find a credit with useful rewards that won't cost you money annually. Shop for a card with rewards that you're more likely to use, such as extended warranty coverage on purchases, price protection, double mile rewards, or cash back. You might find that one credit card with a longer term of zero interest provides more rewards than a competing card with a much shorter period.

Tuesday, September 18, 2012

Corporate Serviced Apartments Amsterdam, Corporate Housing In Amsterdam

Corporate Serviced Apartments in Amsterdam
Amsterdam is one of the most spectacular cities in Europe attracting visitors from all parts of the world. It is renowned for its interesting history, impressive architectural monuments, amazing canals and bridges. There are few cars and more bicycles; and the peaceful environment makes it a perfect and delightful holiday location. Organizations regularly transfer or deploy employees to chosen destinations as per their business needs. Such migrants also come to Amsterdam for a project of several weeks or months; while some are relocated for several years. In both cases, they can either reside in an Amsterdam hotel or stay in corporate serviced apartments in Amsterdam.
Corporate housing in Amsterdam


Corporate housing is a furnished apartment, rented on a temporary basis for short or long durations; to individuals or corporations as an economical alternative to a conventional hotel. The corporate housing segment of the real estate industry has grown tremendously in past few years due to this need for interim housing. Expatriates require temporary housing for short stay or longer periods when they move into a new city. Corporate housing in Amsterdam provides a cost effective solution regarding this demand for temporary accommodation; during short assignment, extended business trips and while awaiting permanent residence.
Apart-hotels in Amsterdam

When you are travelling for business aims or just for pure pleasure, deciding where to stay is vital; and can really make a big difference to your visit. A serviced apartment is the right option during your visit to a new city; maybe for a day, few weeks, several months or even longer.

Serviced apartments, also known as apart-hotels are best suited for temporary, relocation and corporate housing needs. Apart-hotels in Amsterdam offer significant financial savings, additional space, privacy, luxury and convenience of a home; as compared to equivalent traditional hotels.


World Fashion Apartments is a leading corporate serviced apartment provider in Amsterdam. We offer a fashionable range of fully equipped, furnished apartments in Amsterdam; located in prime areas of the city, near the central business district and leisure zones; for corporate executives with superb amenities and professional service. Our serviced apartments are well-designed to match your specific needs based on the length of stay and size of accommodation. We provide high quality, customized solutions that include flexibility, commitment and support to suit your corporate expectations. Avoid costly hotel bills and room service charges; by selecting our elegant serviced apartments that ensure remarkable cost savings, hassle-free business accommodation and peace of mind.

Thursday, September 13, 2012

Consolidating Private Student Loans: The Key To College Debt Recovery

Graduation is supposed to be a reason to celebrate, but instead many students see it as the end of their repayment deferment period and the start of their financial woes. In fact, the size of their college debt can be debilitating, but consolidating private student loans is a very viable route to financial recovery.

The reality is that even a decade after graduation many people are still repaying their college loans, so the ability to take control the debt is a huge attraction to students. Getting onto a loan consolidation program, even while at college, is seen as a practical way to accomplish this.

Of course, getting the best terms possible is very important, with a range of benefits to be enjoyed if the right deal can be found. But the aim is to pay off the student loans once and for all. A consolidation program offers the chance to clear them in one fell swoop, then repay a single loan on more affordable terms.

Key Advantages: Recent Graduates

Graduates should take a look at the options available before consolidating private student loans. In fact, there are two forms of graduates: recent graduates and long-term graduates. Recent graduates have the maximum debt before them, but because they have not yet had a chance to build a career and are still low earners, it remains difficult to make repayments.

The best option for them is to agree a long-term consolidation deal, extending the repayment term to perhaps 20 or even 25 years. With fixed interest rates, they are easy to budget for, and over such a long length of time, payments on the loan consolidation program are very small.

It is not considered advisable to choose a variable interest rate because the repayments can fluctuate, making them more difficult to manage. In order to consolidate student loans effectively, it is necessary to have a reliable repayment structure.

Key Advantages: Long-Term Graduates

Long-term graduates are those who have been out of college for at least 5 years, though some might still be repaying college debts after 10. They differ from the alternative category in that they usually have a larger income and are on a definite career path. But they look to consolidating private student loans to allow them to finally control of the debt.

The structure of the loan consolidation program may be short or long, and since these graduates have a larger available income, accepting a variable rate may be a good choice. Although rates will fluctuate, they may go down and, over a number of decades, that could lead to significant savings.

Of course, even if the interest increases and the repayments along with it, a full-time employed graduate should be able to shoulder the rise. It is a useful option when the student loan balances are still quite high, and the available income is not so big.

Find the Best Program

Effectively consolidating private student loans is as much about finding the best deal as getting the best loan is. With the wrong terms, the program can turn out to be quite expensive. With the development of comparison websites, the task of finding the best program is made easier.

Online lenders tend to offer the best deals in almost every category of financing, but sifting through the hundreds of deal, offering specific terms and conditions, to find the one that matches the needs of the applicant, is simplified too.

Remember, a loan consolidation program should make repaying debts much easier, so before choosing a program know your current debt, calculate the affordable monthly repayments, and ensure the repayments of the new loan beat the old ones hands down. Then student loans can be gotten rid of in confidence.

Wednesday, September 12, 2012

Your Credit Utilization Ratio

Credit utilization ratio - a significant factor in your credit score
Most consumers who keep a close eye on their credit score know exactly what a credit utilization ratio is; it's the percentage of your total credit limits that you actually use.

A balance of 00, with a 00 total credit limit on all revolving accounts, equals a 20% credit utilization ratio.

A low credit utilization ratio is good for your credit score; it's recommended to keep it under about 30% of your total credit limits, and less than that is even better.

Your credit score will suffer if you use too much of your available credit; thirty percent of your credit score is based on your credit utilization ratio. Maxed-out credit cards will wreak havoc on your credit score.

It's important to be aware of how your credit utilization ratio affects your credit score at any given time, especially if you plan on applying for credit in the near future, such as a home mortgage or car loan, or even a credit card.

A better credit score saves you money in the form of better interest rates and more generous benefits from your lender or creditor.

Responsible credit card users' credit score may not truly reflect their credit habits.
The funny thing about credit utilization is that it simply shows how much you use your credit cards. But it doesn't really say anything about how well you can afford to pay your debts.

Credit cards are no longer used strictly for emergencies like they used to be, and using a credit card doesn't mean that you don't have the money in the bank.

Many use credit cards daily for the convenience of it; swiping a credit card is so much quicker than pulling out cash and waiting for change. In our fast-paced society, those few extra seconds can make a difference in our day.

And the rewards are another reason many responsible consumers choose to use their credit card for monthly bills and daily purchases, when they could just as easily use a debit card for the same convenience.

Smart credit card users know how to get free use of somebody else's money every month, by using their credit card and then paying the full balance before finance charges are assessed.

But using a credit card for most purchases brings up your credit utilization ratio, especially if your credit limits aren't much higher than the amount of credit you actually use each month.

For example, you may consistently put 00 on your 00 limit card every month. You never put more on your card than you can pay off each month, and you may not see the need to apply for additional credit cards or a credit limit increase because you believe you will never need more credit at your disposal.

This would seem like the habits of a smart, responsible borrower. But that kind of usage would put your credit utilization ratio at 66%, something that make creditors nervous and damages your credit score.

And keep in mind your credit utilization ratio is not a fixed number; it can change dramatically over the course of one month, depending on when you pay your bill and when the creditor reports your payment and balance to the credit bureau.

Paying your full balance each month would put you at a zero percent ratio immediately after the creditor receives the payment; that should be good for your credit score.

But what if your creditor reports your balance just before you make the full payment? Your credit score will suffer for it, no matter how good of a grip you have on your finances.

A borrower with a low credit utilization ratio may still be in over their head in debt.
A credit limit increase is normally considered to be a good thing. It shows that you've been good at handling your debt with on-time payments, and that the creditor trusts you enough to let you loose with more available credit.

It also brings your credit utilization ratio down, as long as you don't increase your debt load. A lower credit utilization ratio means a higher credit score, and a higher credit score means that you're financially in good shape, right? Well, not always.

The higher credit limits probably won't present a problem for those who are careful about how they use credit. Having more credit available doesn't mean you have to use it, and financially responsible consumers will control their spending, no matter what their credit limits are. These consumers can enjoy the privelege of a higher credit score, and the better financing deals that go with it.

But let's just say we have someone who has managed their debts well in the past, and they have several credit cards with a total credit limit of ,000. They carry a balance of 00, and their monthly payments rarely exceed the amount of the interest charges and new purchases each month.

So the 00 balance is pretty consistant from month to month. With a 20% credit utilization ratio and a good credit score, creditors may eventually decide to increase their total limits to ,000.

Some consumers in this situtation will spend a little more than usual when they get their credit limit increase. With higher credit limits at their disposal, they can let their balances grow to 00, while still maintaining a low 20% credit utilization ratio.

A 20% ratio may be great for a credit score, but 00 is a lot of credit card debt to carry around if you can't afford to pay it off every month, or at least within a few months. A low credit utilization ratio can give consumers the illusion of a manageable level of debt. In reality, the debt may be more than the consumer can afford to get ahead of within a reasonable amount of time.

The worst-case scenario is when a troubled borrower routinely requests credit limit increases in order to keep a good credit score, while maintaining their otherwise out-of-reach lifestyle. Credit limits keep increasing while the debt keeps growing, until the day the borrower realizes they've let their spending get out of hand.

It may eventually become difficult for them to even make the minimum payments on thousands of dollars worth of credit card debt. From there, their credit scores and financial health can be damaged pretty badly.

Be smart in handling your debt.
So, even though your credit score is important for you to get additional financing, it's important to ensure that the dollar-amount of your debt remains at a manageable level.

Someone with a relatively low credit score may own more than they owe and have plenty of money in the bank, while someone with a higher score is barely scraping by and living off of their credit cards. A credit score has much to do with the financing that's available to you, but it really has nothing to do with your overall financial picture.

A good credit score is still important. It's what makes homeownership and buying a nice car possible. It's what get you better deals on credit cards and lines of credit.

A good credit score will make it easier to attain the things we need and want, but having a good credit score, in itself, won't improve your financial situation; it only means that it's easier to borrow money.

Understand where your credit fits into your overall financial picture, and make decisions to improve your financial health, not just your credit score. With careful planning and responsible spending, someday, you may not ever have to borrow money again.

Sunday, September 9, 2012

How To Fight Cravings While On A Diet

One of the huge problems with a diet is that you will have cravings. If you like salty foods, sweet foods, greasy foods, chocolate, or other things, you will really want to eat these especially, when you are eating less and may be a little hungry. What happens to many is that they will reach a breaking point and give into the cravings, generally pigging out and wrecking the diet for the day. This, at times can compromise more than a few days' efforts, so it should be avoided. Here are some strategies to beat these cravings.
One thing that you should do is keep some healthy food with you at all times. Many times, you might be driving in your car or passing a place that you enjoy eating at and will start to crave that food. If you have something to eat, it can be a substitute. If not, you will more than likely go in and order the food you love and eat it.
Something that you need to do from time to time, is indulge in a small portion of your cravings. If you love chocolate for example, have a few calories worth at the end of a meal. It will not be enough to mess up the diet, but at the same time, you still feel that you are getting something.
Do not keep that kind of food in your house if you can. If it is not there to snack on, you won't be able to eat it. Have the foods in your home that you want to be eating since that will be what you turn to when having hunger or cravings.
Find some distractions from food and cravings that are not food related. Turning to healthy food is one thing, but your mind is going to get to a point of being too focused on eating and food. Find a hobby or something that you can turn to which will take your mind off all of this.

Friday, September 7, 2012

French Real Estate Values to Rise This Year

A report in the press says that prices in France are set to rise significantly in the latter half of this year.

Property prices across France are likely to be impacted by the current initiative to improve the rail infrastructure in the country, experts have predicted. I think with the rail link and new infrastructure you will probably see property prices rise," said Hetal Shah, director of Investors Provident.

It is generally believed that improved rail services are unlikely to have as great and impact as new low-cost flights to previously little-known regions of the country, he nevertheless expressed his confidence that prices will rise, particularly in popular holiday destinations.

"Any kind of interest definitely does have an impact because people who have been very sceptical about those areas will start to see that there is more new development coming in, and more infrastructure means more money coming in to the area as well," he said.

We believe that hand in hand with improved communications, go the various measures planned by the new Sarkozy government to increase home ownership amongst the French. Both factors are likely to cause above average increases in the next 12 months.

So we believe there has never been a better time to buy in France and certainly in the Limousin region, which remains the area where prices are at the lowest. The local market is still slow, being occupied now with the long summer holidays and new measures have not yet taken effect which leaves the market is wide open for overseas buyers to march in and grab something special before the end of the year. There is no doubt, with stock market uncertainty and historically low interest rates, that investors will seek out property as a way to make meaningful returns and what better way is there than buying an asset you can use and enjoy knowing that its value can only rise.

Tuesday, September 4, 2012

College Reward Charge Card

A college reward charge card is a sort of bank card that is set up to perform as any common bank card would, however the target market is barely different. These bank cards are provided to college students of school or university age. The only stipulation is that these students have to be of legal age and presently attending higher education. As soon as the coed graduates, they will proceed utilizing the credit card but some of the terms might change.

A reward bank card may be obtained almost anywhere. Many banks, regional or national, and most major charge card providers offer these credit cards. The types of incentives each pupil reward credit card provide will vary from card to card. A little analysis into the specific reward each card provides should slender the field for which pupil rewards bank card is the appropriate one.

One sort of reward supplied is airline mileage. How the mileage is earned will vary from card to card but the amount of cash put onto the cardboard will decide how many miles are earned. These miles may expire over a sure time frame but most firms, if you're a protracted and dependable customer, will prolong that expiration date if want be.

Cash reward are another type of reward that is available. A specified percentage, usually 5% to 20%, is gained on the sum of money spent at specific retail stores. That amount is translated into points and those rewards points is going to accrue gradually. These reward points can then be redeemed for cash that's utilized towards the stability on the credit card. Another option for the factors is to redeem them for prizes. The prizes will fluctuate from card to card and company to firm however there are often an unlimited amount of prizes from many classes to choose from.

A reward charge card, regardless that it is supplied to a young group of people, is a great technique to build credit and a credit score. These charge cards, whenever utilised responsibly, may be a good way to deal with any wants which will come about and get a great start on daily life. The reward packages that go together with these charge cards are simply an added bonus.

Lots of young people try and obtain a bank card when they are at college. This may be incredibly difficult to do when an undergraduate lacks the previous personal credit history. Thankfully, you'll find college charge cards without credit history for college kids in want of a credit card. These credit cards enable a student to learn to turn out to be extra financially sensible whilst also starting out her or his personal credit history so that you can take advantage of completely new opportunities.

Several students benefit from pre-paid charge cards mainly because it allows them to set financial limitations with no over-spending. This may often be a lot easier to manage than a charge card with excessive spending limits. There are a selection of pre paid bank card opportunities. Such bank cards really are ideal for college students without consumer credit.

Sunday, September 2, 2012

Bad Credit Personal Loans For Military Men And Women

As one of the hardworking and dedicated members of the United States military, you may have stumbled in your credit performance in the past and the resulting bad credit keeps you from obtaining the needed financing that you seek. Do not be discouraged. There are loans that are written specifically for those members of the U.S. armed forces who have less than perfect credit but who need money now for multiple purposes.

The bad credit military personal loan can be your life line to not only receiving the funding that you need, but also to rebuilding your credit and your borrowing reputation.

Who Qualifies For This Special Funding Opportunity

All members of the United States military and armed forces can qualify for a military bad credit personal loan. This includes member of the Army, Navy, Air Force, Marines, U.S. Coast Guard, Army Reserves, and Army National Guard. Bad credit military personal loans can be obtained by both active and retired members of the U.S. military, their spouses, and their widowed spouses.

Bad credit military personal loans are a benefit that is extended only to the military and their families, and are thus processed in a different manner and with different regulations than a loan that is written to a civilian borrower.

Borrow ,000 Now

The lenders of these bad credit military personal loans loan money to military members and their families without regards to the purpose of the loan proceeds. This means that whether you need to buy new furniture or take a vacation, the lender is standing by to help you obtain the loan you want. And although the interest that is charged on a bad credit military personal loan may be slightly elevated over what an armed forces member with good credit would pay, these loans are highly competitive with civilian rates for good credit - making this loan a good choice for most borrowers with damaged credit. Most of these types of loans are written for amounts ranging from ,000 to ,000. The amount that you borrow could be more or less, depending upon your needs.

Applying For Your Military Bad Credit Personal Loan

Applying for your military bad credit personal loan is easy. Lenders have established special websites that streamline the process of receiving funding to make the experience carefree and hassle free. Simply fill out the online application and submit it instantly over a secure network. You will be asked to provide certain information, such as your income, rank, and financial information, as well as your contact information.

You may be asked to provide references that can be contacted in case you default on your military bad credit personal loan. Any documentation that you must provide can be either faxed to the lender or scanned and attached to an email that is sent to the loan processor. Some lenders have also established an electronic signature feature for military personnel that allow them to sign their loan application and related documents electronically. Once approved for the military bad credit personal loan, you can elect to receive your loan proceeds by check or direct deposit, whichever is most convenient for you.