Category Archives: Money and Bank

You Can Make Money Taking Surveys

You Can Make Money Taking Surveys

If you are not satisfied with your current income, or there are certain things you want which you can’t afford in your current income or pocket money then online surveys can the save the day for you. Online surveys cannot make you millionaire but still considering the amount of effort you need it is worth it.

If you want to make , first and foremost step is to search for reputable companies who keep on conducting surveys. If you want to specific about types of surveys like from domain of your liking you may filter out the companies accordingly.

However you may not get many surveys to fill by doing so. To make good money taking surveys you need to enroll with multiple companies and try not to restrict your scope too much. Before enrolling check the company’s reputation and also make sure their policies are acceptable to you. Some companies may have clauses that they will share your data with certain parties (mostly their own clients, the original survey conductors), so confirm if you agree with them. Also check if the company is operating in your country, otherwise you will have a lot of trouble collecting revenues you make by filling their surveys.

Not very common but some survey conductors demand money for their services claiming you can recover your money in no time after filling few of their survey, simple advice don’t fall for them, internet is full of websites which pay honestly and of course are free for registration.

If your chosen company has a good reputation in market then you should not hesitate in providing your personal information, as this will help the company sending you survey if you fit on the criteria required for their study in hand. So start earning good money online by helping companies with your opinion.

The Three Stages Of Money Laundering

The Three Stages Of Money Laundering

OK, many of us have seen movies or TV shows where counterfeiters throw money into large dryers with poker chips or dice or some other items to make the bills appear to have been out in circulation when in fact theyve just been printed. Well, this has nothing to do with money laundering so the three stages of money laundering are NOT:

1) Gentle cycle No bleach

2) Tumble Dry on Low Heat

3) No Starch

And do not confuse stages with steps or transactions. Successful laundering, especially in large dollar amounts, is much more than 1-2-3 done. While some transactions can be very simple, others are complex and take much time and effort in order to avoid detection and that is the ultimate goal to avoid detection. It doesnt do the criminal any good to move and change money if it can be easily traced (and then seized). And it is a game in which the tools and tactics are constantly changing and evolving.

The Financial Action Task Force, FATF for short, is the multinational body that sets the global tone for AML efforts. Formed in 1989, it is based in Paris.The Financial Action Task Force (FATF) has a three-part working definition. Each part basically defined one of the stages:

PLACEMENT introducing the illicit funds into the financial cycle. Even if the funds already were in a bank or brokerage account (as in cases of embezzlement or frauds), it is that first step as illicit funds that we will view as placement. However, the most common example of placement is the drug dealer who needs to get large quantities of smaller currency bills into the banking system.

LAYERING the moving and transferring of the funds in order to disguise the origins and true ownership of the money. This phase can be the most important and the most difficult it truly separates the pros from the amateurs. Here the money can change accounts, form, ownership, country, etc. It can go into and out of trusts and shell companies, it can buy or sell real estate or hard goods, it can move through different jurisdictions anything to confuse or eliminate a paper trail. And finally, there is

INTEGRATION this is when the criminal takes economic advantage of the illicit funds and they appear to have come from legitimate sources. Maybe the drug dealer buys a mansion, or a high end car, or a yacht, or even planes to move drugs and other money (in the case of the planes, they will likely be bought through a front or shell leasing company, who will rent it to a front or shell freight company, so that when a plane is ultimately impounded by law enforcement somewhere, it cannot be traced back to the dealer).

So there they are, the three stages of money laundering: Placement, Layering, Integration.

Are Silicone Wiper Blades Worth the Money

Are Silicone Wiper Blades Worth the Money

Are Silicone Wiper Blades worth the Money?

Like Rubber Wiper Blades and just about every other product or service, Silicone Wiper Blades come at different Price Levels, and buying the dearest doesnt necessarily mean getting the best.

In order to make an informed decision, we need to be able to spot quality features in Wiperblades, and understand what influence they have on Safety, Life and Performance.

Next we need a method of measuring the cost of Wiperblades against their useful life. We do that by dividing the cost of a single wiper blade by the number of 100,000 cycles in its expected life. A cycle being 1 wipe in each direction.

The cheapest and most basic Wiper Blades have a moulded rubber blade with an arrow-head profile offering a single wiping edge. Theyll also have a very cheaply constructed frame. Differences in Frame Quality are more difficult to spot, but usually, the blade quality is a good indicator of the overall quality of the Wiper Blade. Most un-branded Wiper Blades fall into this category.

Single edge Wiper Blades have a typical life of 200,000 cycles, and can cost as little as 3, so they cost at least 1.50 per 100,000 cycles

Most Motorists seek comfort in the big Global Brand Wiper Blades. They know theyre probably not getting the best value for money, but its a safe bet. Of course the big brands arent slow to take advantage of that, and so their prices arent always cost-effective.

Global Brands (and some smaller Brands) offer good quality Wiper Blades. They are easy to spot because the rubber blade has a profile like a small screwdriver instead of an arrow head. This means there are 2 Wiping Edges instead of one. As the Wiper Arm moves in one direction the blade flexes and trails, presenting one of the tips “corners” to the windscreen. On the Return Wipe, the blade flexes in the other direction, and uses the opposite edge to wipe the screen.

Quality Twin Edge Rubber Wiper Blades are good for around 500,000 (half a million) wipes. They reduce the risk of unwiped areas, and are much smoother and quieter than cheaper wiper blades. Typically they cost around 10 each, and so cost around 2 per 100,000 cycles.

Every pack of Rubber Wiperblades that Ive seen carries a warning that they should be replaced between 6-12 mnoths. Thats because U.V. Ozone and Pollution all combine to attack the Rubber Wiper Blades, even when theyre not being used. Thats really bad news for Low-Mileage Drivers and Classic Car Owners, because the Wipers often rot away before theyve done much work!

Silicone Wiper Blades wear much slower than Rubber ones. A good quality Silicone Wiper Blade has an expected life of 1,500,000 (one and a half million) cycles. Good Quality Silicone Wiper Blades cost slightly more than Premium branded rubber ones, about 12 each. Giving by far the lowest Cost over life of 0.85 per 100,000 Cycles – Obviously, thats great news for High-Mileage Drivers.

Saving Money on Your Phone Bills

Saving Money on Your Phone Bills

There are many ways to cut the amount of money you spend on your phone bills. With our business and personal lives becoming ever more fast-paced, a great many of us are spending more and more time on our phones. However, the advancement in technology doesn’t necessarily mean you have to spend more on your phone bills – instead, it could actually save you money.

When you are at home, using online phone services such as Skype can be hugely beneficial. Many of these are free and you will be able to not only make free calls, but also potentially have free video calls, a far less impersonal source of communication than the phone can be.

Next, try getting rid of the landline. Many people spend huge amounts on a landline they rarely use. Mobile internet or external hubs can be far cheaper than line rental and many will find that mobile phones can offer the majority of the internet access they need. With tablets becoming more and more advanced all the time, these may also very soon replace the need for home broadband via telephone lines.

SIM free phones can also help. Whether you choose a SIM free iPhone or any of the many androids available without ties to a specific network, the ability to use SIM free phones to let you change service provider as and when you want to could well see you saving a great deal of money as you will always be able to ensure you can get the very best deal.

From using a SIM free iPhone to simply negotiating the tariff you have with the network providing your contract, there are many ways to save a great deal of money. You don’t have to use your phone less to cut your costs – you simply need to know the best way to use them.

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Kinds Of Money Lenders

Kinds Of Money Lenders

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.

Tips for Bank Exam Preparation

Tips for Bank Exam Preparation

bank exam syllabus thoroughly and practice the questions papers from the internet, you can easily clear the bank exams. Knowledge of current affairs is also very essential to clear the exam and the interview session. However, once you are recruited in an esteemed bank, you can have a promising and secure future.

Bank recruitment is done based on bank exams and an interview session. Thousands of candidates apply for various posts like bank po or bank clerk in the bank. However, only a few meritious candidates are short-listed which are further filtered down during the interview session. The bank exams are very difficult to clear and require a thorough preparation of the exam syllabus. The question paper dedicates a major portion to the current affairs. Many students are not able to clear the bank exams even after hard preparation of the syllabus. The main reason is that they lack in general knowledge. one must start preparing months before the actual commencement of the exam in order to update himself/herself with the current affairs.

Banking sector is one of the fastest growing sectors in today’s times. It has extended across the country with a bank opened in almost every corner of the country. This has lead to a major demand for trained professionals to carry out various functions in the bank. This demand has attracted most of the youth. A bank job not only provides a good income but also ensures job security. Various banks have adopted different criteria for the recruitment of various posts in the bank. However, it is very essential to prepare thoroughly for the exam. Following are some tips to be kept in mind while preparing for a bank exam:

It is very important to have a strong vocabulary. There is a separate section in the question paper for vocabulary questions. Divide your time. According to the marking scheme, give more importance to the subjects that carry more weight age. Banks provide booklets, which consist of the syllabus and some practice questions. However, this is not enough. It is very important to study from the supplementary notes, which are available in bookstores or the internet. Current affairs should be considered a part of the exams syllabus. You must be updated with all the recent happening in the past. Reading newspapers can serve two purposes. They can increase your general knowledge and help you to extend your vocabulary.

Therefore, if you study the thoroughly and practice the questions papers from the internet, you can easily clear the bank exams. Knowledge of current affairs is also very essential to clear the exam and the interview session. However, once you are recruited in an esteemed bank, you can have a promising and secure future.

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Money Exchange Rates For Dummies

Money Exchange Rates For Dummies

One of the major issues you have to deal with when traveling to a foreign country is currency, and the various money exchange rates. The currency in each country is remarkable different from your own, and this fluctuates on a daily basis. Even though Canadian currency is found in the United States, quite often many people will not accept it. This is because the value of a Canadian quarter is not the same as the value of an American quarter.

When you’re traveling to a foreign country, you have a few options. Generally, you’ll always be able to find a place in the airport to exchange your currency for that of the country you are entering. Keep in mind, money exchange rates constantly fluctuate. The amount of money you received for five hundred US dollars the year before, will not match what you are offered today. You can get a general idea by searching the web for money exchange rates. Many sites will also have a calculator to help you convert your base currency into another one. It’s a pretty nice tool to use, but again, remember, this will only give you the rate at that particular moment.

Quite often, when you exchange your money for another currency at a bank or airport, you will be charged a fee for the service. Many people skip this fee by using credit and debit cards when overseas. The only problem with this is that you may not find an automatic teller machine that will accept your card. Before you leave, talk with your bank about your trip, and they should be able to find out if you can find ATMs in your point of destination or not.

Another consideration when using another currency on vacation is the huge difference in value. Yen and Pounds are vastly different than the US dollar, and it may be very easy for you to become confused. Add the constant flux of money exchange rates, and you double your confusion. Pay attention to the value of the money you are receiving as it relates to your own currency, so you have a general idea of what things should cost, and when you are being ripped off.

Even making purchases online can be tricky. If you are ordering merchandise from another country, you will have to worry about money exchange rates. This is important if you are using an international money order. In this case, you must figure out the exchange rate before you buy, and hope it hasnt fluctuated too much before the payment arrives. Many people will not accept international money orders for this reason, and also because there may be a huge fee involved for them when they cash it in.

Understanding money exchange rates can be a little tricky at first, but with a little research and effort you can quickly get a handle on it.

Small Text Loans- Smart Technology Supports You To Get Instant Money

Small Text Loans- Smart Technology Supports You To Get Instant Money

Instant Confirmation of approval is really a big deal under any conventional money lending alternative of UK finance market. You cannot rely on any orthodox financial support when it comes to get the cash in a quickest fashion. In fact, its various time consuming formalities such as faxing or documentations among others become the cause of delay. So, immediate approval is just like a white elephant to whom lots of people would love to see, but actually it does not exist. But, your desire of getting the money quickly can receive a positive outcome as market has an option in the form of Small text loans.

Just use your finger tips to type the message and send the money lender. It is a starting of registration process. You only need to mention your various personal details such as name, age, address, job profile, salary among others in the sms. It would be enough for you and within few minutes you would receive the sms from money lender and it contains a code which you would have to e-mail to your lender. Following up these simple activities and your registration gets confirmed. The next step is verification under which all your mentioned details are scanned carefully. It really satisfies the business needs of money lender as he cannot take any decision regarding you approval without checking the credibility of these facts. So, it is all in your hands. You do not have to provide anything which does not relate you. It certainly makes your profile impressive and after the assessment money lender transfers the money in your bank account.

The draft of Small text loans is a finest example of brilliant marketing. This is why various money lending companies are dealing under it. After all, who can ignore the liking of common people? If this credit option has become the most vital one for them, then it is not surprising because it secures their comforts variously.

Despite of poor credit history, if defaulters and insolvents can live with the hope of borrowing the money then it has becomes possible due to its flexible and exclusive traits. Under this particular financial help, money lender does not take any decision on the basis of their past. Their current financial status is all what they consider. If they find them worthy towards timey repayment then it becomes a substantial point for the lender to approve their loan.

Advantages And Disadvantages Of Working Online And Making Money At Home

Advantages And Disadvantages Of Working Online And Making Money At Home

Today a lot of people working online and making money at home face with great quantity of problems which are specific to those who work from home on the internet. I think that these obstacles will take a large shape in following next years at the time when most people in the society will start working at home online.

Getting money online from the home today at its beginning and most of its obstacles are undiscovered and unstudied. The tendency of working from home and earning money online can pose several serious threats to the social structure other than a quantity of problems for individual at family level.

Working from the home on the internet could be compared with the working in a virtual office and virtual environment where everything that exists now might not exist tomorrow or even after few hours.

There are some disadvantages of earning money online. First of all, you do not have enough time for your family. All people earning money online face with the problem that it is very challenging to balance between work and family. There could be moments when there is no time for family and it could be very hard to concentrate on the online work. It could be that a person is absolutely absorbed by some online project for hours or even days and it is very hard to find any time for family.

The other problem is that there is no time or place just to relax. You are working in one place full time and now the place that was designed for relaxation now plays the role of your office. In many cases earning money associated with some stress which traditionally come and go, but with online work all these things happen in a place that someday was designed for relaxation.

During some stressful periods there is absolutely no time to relax because the solution of this problem lies in more work and spending more time online. Also there is a problem of where to relax because it is very difficult to relax at the place where you used to work.

While earning online there is no social interaction. When we are earning money online from the comfort of our home, we hardly move outside because we are earning a really good money, we like to work more and earn more money because of the human greedy nature. On the other side in the case we are not earning money but in contrast are losing it, then we like to make some changes in our work therefore we are going to spend more time online at home. It means that we do not interact with the society and spend more time in online society.

Bad Ways to Make Money Fast

Bad Ways to Make Money Fast

Make money fast and easy is always a good reason that motivates many people get online every day. If you are one of them, there are three online money making programs you should keep off. They will cause you to lose a great deal of time. Unfortunately, these programs have sign-up rates very high because they are free to join and sound so attractive.

1. Get paid to read:

‘Get paid to read’ programs works like this. After you have signed-up “get paid to read” program, you get emails from them. There is a link in those emails. And your job is to click on that link to visit advertiser’s website. You have to wait for 60 seconds or so before your account gets deposited. This sounds pretty good, right?

The fact is that you will hardly get paid from these programs. If you are lucky, you can find out and join legitimate GPTR programs. However, these legitimate programs often pay from 1 cent to 5 cents per email that you have read. That’s why you just get several bucks at the end of a hard working month. If you ask me, I will say that it’s not worth your time.

2. Get paid to surf:

This works like ‘get paid to read’ programs. You surf websites of advertisers and get paid for that. However, you will also never get paid. So, this type of program is not ideal way for you to make fast money online.

3. Get paid to do surveys:

‘You can make $100 / Day Taking Surveys Online’ or something like that has been advertising on lots of websites out there. There are really companies that pay you a small fee to complete their surveys. However, most of them pay you points or sweepstakes entries instead of cash. In addition, you need to be qualified before doing any surveys. The funny thing is that you will not qualify for most surveys.

So, don’t try to make money fast (MMF) with online surveys anymore because that’s only a time wasting way.

If you really want to MMF, you have to invest some time on reading articles related to how to make money online and how to make fast money. Doing this will help you reap knowledge and experiences of other people as well as realize how to find good and legitimate opportunities in order to make money fast online. If you have concerns with any opportunities, you can look for your answers on google or popular forums.

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