ATMs and debit cards offer quick access to your money when you’re on the go. Most of us have come to rely on the convenience they provide, but it’s important to use caution to keep ourselves and our finances safe. To protect your identity and ensure your personal safety, it makes sense to exercise caution when using an ATM. The tips below are meant to make you aware that although rare, ATM crime can happen.
Follow these tips to help keep you and your money safe!
- Protect your ATM card as if it were cash. Report lost or stolen cards immediately.
- Safeguard your Personal Identification Number (PIN). Don’t give your number to anyone; don’t write your PIN on your card, avoid using numbers that are easily identified (birth date, etc.).
- Try to use ATMs with which you are familiar. Choose well-lit, well-placed ATMs where you feel comfortable. If you need to use an ATM late at night, ask a friend to accompany you.
- Before approaching the ATM, scan the surrounding area. Avoid the ATM altogether if it is too dark to see, isolated or looks unsafe. If there are
The number one thing to know is this: More and more Americans are rightfully concerned about wage and income disparity but few see that government has any real solution to this concern. This is a step in the right direction because although many members of low-income households work heroically and waveringly at very low wages the “Census Bureau data shows that for every hour worked by those in a low-income household, those in a wealthy household toil 5 hours.”(I) Furthermore, “6 out of 10 households have no one working at all.”(ii)
Secondly, according to the latest Quantitative Analysis of Investor Behavior (QAIB) “The average investor in a blend of equities and fixed-income mutual funds has garnered only a 2.6% annualized rate of return for the 10-year time period ending December 31, 2013. The same average investor hasn’t fared any better over longer time frames. The 20-year annualized return comes in at 2.5% while the 30-year annualized rate is just 1.9%.”(iii)
Thirdly, checking the market performance as of the date of this writing, December 10, 2015, CNN Money reports that the S&P 500 Index is trading 0.56%
Why is it so hard to manage money and hold on to it? How can we save more and spend less? It has become an issue to make and save money.
The world is geared in such a way that it’s difficult to hold on to our money…
Everyone is after money – our money, their money, everybody’s money – because of greed and because they never have enough. They spend years in higher education, in colleges and universities, to master the art of finding ways to get our money with such ease. They have become experts in their field and their field is to find more ways for our money to escape from our wallets faster and faster.
The funny thing is, there is a collaboration between the financial institutions and the commercial world to create more wants than needs. People, in general, are innocent and ordinary. The majority work hard to try to have a life without paying too much attention to the details… and that is when it happens…
I remember when banks were not so greedy. They made it easy and a pleasure to
The Internet is a testament to the fact that there are DIY approaches to practically every need for which one might have traditionally requested another’s assistance. Financial planning is no exception. Those looking to start investing in careers often tend to believe they are capable of creating their own success. While individual success is not completely unheard of, it is rare. Services to expand financial gain are no longer exclusively for the wealthy. In fact, according to many experts, hiring help could drastically improve one’s chances of coming out on top financially in the long run. Still, many find it difficult to initiate the process. Here are some tips from a seasoned financial advisor for beginners.
Admitting It Is The First Step
Like with any significant self-improvement, determining whether or not you need assistance is the key to financial success. Unless you are a natural at portfolio management, you probably could benefit from the help of an expert. Deciding to allow someone to help create your monetary triumph is crucial. There is no shame in needing their expertise, especially when it has become so easy to
Experts in the financial industry usually have a lot in common. They are morning people, number-crunchers, and they all seem to really like coffee. What makes you be a successful financial advisor?
Plenty of people today want to know what traits do successful financial advisors share and what often makes them different. Although there are a lot of factors, there are several points that people found most interesting.
Common Denominators Of Successful Financial Advisors
Trustworthy – The client-advisor relationship will be based on a foundation of trust. Often, they are exceptionally trustworthy. They stick to what they utter and always keep their promises. Most of them also are naturally charismatic people. Still, following through and doing what you want them to do on your behalf is considered the most important part.
Action-oriented – They put great ideas into work. They are always ready to take action. They are fond of setting deadlines and working on making exceptional ideas turn into reality.
Always on the lookout for learning opportunities – Regardless of whether it is a free training seminar on prospecting or perhaps a thought-provoking newspaper article, they continuously look
Every day, countless people make international money transfers. Is it easy to send money to someone in another country? Well, it depends. If you don’t take enough care, it may cost you much more money, as most people are oblivious to the hidden fees. Let’s find out more about how to make the process safe and cost effective.
For sending money overseas, you will have to bear two types of costs: the currency conversion cost and the cost to transfer the money to your desired country. The service provider can be an FX broker, a bank or a money transfer company. The thing is that they don’t convert one currency to the other on the basis of the inter-bank rate. Instead, they make the exchange at a lower rate making a good deal of profit. Give below are a few tips that may help you go through the process efficiently.
Foreign Exchange Brokers
Acting as intermediaries, foreign exchange brokers deal with a lot of banks and provide the best exchange rates. While their primary role is to convert currencies, they can also help you send money abroad
Digitization of trade finances is touted to provide significant benefits for trading partners and corporate banks. The other major benefits of digitizing trade finances are the reduced costs and the risks of international trade. The connected networks and connections have improved visibility and transparency that makes the entire process smooth and easy. The ability to make electronic trading solutions digital requires time because of the increased stiff global competition.
Corporate organizations have their own reasons to go digital when it comes to the trading solutions. The reasons to go digital are many and the biggest reason being reduced costs with a steady increase in efficiency. Going digital also improves the payment processes at a quicker pace which in turn enhances transactions. Corporate companies collaborating together for the common cause of work also shows an improvement in monetary transactions. When companies adopt the electronic trading solutions, the increase in visibility while tracking and auditing transactions reduces all sorts of risks associated with fraud and non-compliance. Digital trading solutions are considered to be effective since it increases opportunities for quick and easy access to finances.
If you had
Dave Ramsey wrote a book called The Legacy Journey: A Radical View of Biblical Wealth and Generosity. I like this book because it discusses how money is from God, and we are therefore His stewards.
Some will try to convince you that money is inherently evil.
Your Financial Legacy Starts With Building A Strong Financial Foundation
Financially helping others is your end goal. But, you can’t do that if you are in financial trouble. Therefore, your first step is strengthening yourself money-wise so you can assist others. With a secure foundation, you can be a great benefit to people in need. For example, you must stand on higher ground before you can lift someone else.
Giving generously to charity is difficult at this point because you are focused on conquering your debt and mastering your spending habits.
Mastering your spending habits is often complex, but a simple idea and not always easy to employ is paying yourself first. Some attribute consistently saving a percentage of everything you make as the most important financial habit. A second critical practice Dave teaches living by a budget, and the rich are not
Since the dawn of the ATM (automated teller machines), banking has never been simpler. An automated teller machine, or ATM, provides one the convenience to make quick and prompt cash withdrawals. However, the purpose of the ATM does not end there, various other banking transactions, such as depositing money, transfer of funds and balance inquiries and account updates are possible via ATM machines. Since, the system saves, time and reduces delays, banks have ATMs located inside, outside or at various convenient and accessible locations, like gas stations, grocery stores and malls, so on.
There are a few things to consider before using an ATM,
Verify the network logos: These logos may be located in the ATM or debit cards, are indicative of the acceptable banking consortium. This means the ATM machine will have a list of acceptable logos posted on it. Even though many cards are universally acceptable these days, there is a charge on using the card in other bank ATMs after a number of withdrawals.
Be Vigilant: The use of debit card at ATM machines should be done under complete care, make sure no onlooker
To see a loved one die in front of your eyes is really bad. I have personally seen my grandparents leaving us alone and crossing to the other side. It was heartbreaking to see them take their last breaths in the same bed.
But not every individual has the same bond with their loved ones. There are families that have a lot of complications and problems within them. Sometimes, some parents don’t get along well with their children and vice versa. It all depends upon how you maintain your respect and bond with your loved ones.
But there are also families, which are closely knit together. Some of the parents earn well and leave a huge amount of property for their kids. No doubt money can’t replace them, but it is nothing, but their blessings and good wishes for their children.
If you have recently suffered from the loss of a loved one, you surely know how difficult it is to cope up with his death. However, if he has left something for you in his will, you should consider yourself lucky; not everybody gets such a
Financial services refer to the services provided by the finance industry. Also, this term is used to describe organizations dealing with the management of money, like credit card companies, insurance firms, investment banks, stock brokerages, and banks. These are the types of firms that compromise the market, providing a wide range of investment and money-related services. In terms of earnings, financial services are considered the largest market resource in the world.
Important Things You Must Be Aware Of
Generally, these services are not limited to the field of deposit-withdrawal, investment, and loan services; but rather in the fields of estate, securities, insurance, trust services, and all forms of financial intermediation like the distribution of financial products as well.
Every day, the needs and expectations of consumers are growing. Hence, making the mark in boosting personal wealth becomes a necessity. Intense competition has cuddled market margins as well as forced plenty of companies to cut costs whilst improving the quality of customer choice and service.
As most organizations are striving to be more entrepreneurial and innovative, the war for talent is escalating. And as the products become more complex
Death is certainly the most inevitable thing in anyone’s life; it is quite shocking to believe that a lot of people die when a single child is born and several children take birth when a single person dies. The world stops neither with the ones, who take birth nor with the ones, who die. So many popular faces have died, leaving their loved ones and fans behind.
When a loved one dies, a part of you is destroyed forever. Yet, there is only one thing that reminds you of his blessings – the property and money that you are given as a token of appreciation. No doubt such materialistic things can’t replace their love and presence in your life, you have to accept it to show your gratitude.
But to get this inheritance, you need to go through a lot of things, even if the will is right in your hands. There are many formalities that need to be cleared and several documents that are required to be submitted to the court of law, before you get what your loved one has left for you post
It was promised to happen at the end of days because the economic system on which the world is run was introduced by the one with the number 666. His name is Constantine and he established the Catholic Church in 325 AD and put up the image of Jesus Christ, which was the start of Christianity. My knowledge comes from the Spirit of the Universe, the real God, which was supplanted by the false gods of religions.
Following my reincarnation and with a strong link to the Spirit it commissioned me to tear down the wall of blindness that religions have created. It then poured in the knowledge to understand from whence all things of modern life are derived.
The starting point was Babylon where men saw the sun-star of brilliant coloured rings of moving light as a god. They stylised it into a woman that they considered they could marry by dying on the cross, which is one of the symbols made when the star forms.
In a vision the Spirit showed how this came about. It was of a group on a hill who stared
Managing your wealth, no matter how big or small, is a cumbersome task. Your financial advisor helps to keep your money safe while making it work for you. Before you start working with someone, ask them these important questions.
What Certifications Do You Have?
You need to know what licenses and certification your financial advisor has. Most of the top consultants are certified public accountants, fund specialists, consultants, or analysts. Some even carry a Juris doctorate and insurance licenses. While everyone has to start somewhere, you want to work with a firm that has extensive experience in the field.
What Safeguards Are in Place to Protect Assets from Fraud?
Your assets need to be protected by a reputable custodian. When you ask about safeguards, you should also ask about any infractions he or she has received in the past both with the firm and as an individual. To provide you with the best service, your financial advisor should be a fiduciary.
Consultants with a strict code of ethics have standards that they share with their clients. However, no matter their standards, they should be in compliance with Financial Industry
The financial system is in crisis with banks charging exorbitant fees and mortgages going through the roof as people struggle to own a home. Some are even desperate to find a home of any type in which to live. In contrast those at the top of the money scale may own dozens of houses, even whole blocks of them, and leave them empty to appreciate in value. This is the new money cow and next to food houses are chief target areas for the wealthy.
Renting houses for tenants to pay off mortgages is a great way to make money and in some countries, such as Australia, they are negatively geared so that taxes can be avoided. That works by calling them ‘investments’ or, in other words, business enterprises. Any outlay required for maintenance and even interest charged on the mortgage is then a tax deduction.
The recent explosive ‘Panama papers’ released in early April show the extent of tax fraud exercised by people of different occupations from Prime Ministers down to common criminals and drug dealers. Off shore tax havens are legal in most countries
It is first an invention with no spiritual value and it’s not part of the natural events. It is artificial and an instrument of power and control. It bears the monarch’s head because the king replaced God as the source of everything that nature would normally provide. Observations in the natural world show that all living things are provided with proper food and housing without the need for money. Man, on the other hand, has created a situation whereby he cannot sustain himself without it.
That summarizes the value of money. It represents our clothing, food, housing, and even our health but it I still not worth someone’s life. The situation we are now in is far different from the world of ancient times. The monetary system by which the world operates, however, has only been around since the bronze age when the manufacture of coins was made possible.
Trade began more than two million years ago in the Stone Age as sites occupied by Homo Erectus and dated to around that time demonstrate. So what changed? Man’s progress and development of weapons and metal tools
Money is an amazing phenomenon that allowed the world to develop into the tragic and disastrous state it is in today. Money is an invention designed for power and control and its origin is in the Islamic practice of crucifixion of god-men. These Avatars were to rise to heaven to marry Mary, the Mother God of that region. Her symbols include the sun-star depicted on the flag of Islam and the five-pointed star that sits over the systems that comprise the World Order as well as the cross.
Following my reincarnation and with a strong link to the Spirit of the Universe, the only real God (Isaiah 45:4-8) it commissioned me to tear down the wall of blindness and bring in the harvest. We are in the last days and the Internet is the Mountain of God promised to appear at this time to spread the truth over the world (Micah 4:1).
It was foretold that God will speak through the voice of a woman (Isaiah 42:14) to address a huge controversy (Jeremiah 25:31,33). She is called the daughter of Zion (Micah 4:8,10) and it is
The origin of the term ‘money’ is ‘man of the eye’ or ‘Man-eye’. To understand that the Spirit took me back to Babylon and the birth of Islam. This happened following my reincarnation and strong link to the Spirit of the Universe, the real God. It commissioned me to tear down the wall of blindness and bring in the harvest. To do the job it provided the Internet where it speaks to the world and the things shown to me are now published.
It is all free and the Internet is the Mountain of God promised to appear in the last days (Micah 4:1). It was also promised that the Spirit will speak to the world and address a great controversy (Jeremiah 25:31,32) and that this will happen through the voice of a woman (Isaiah 42;14). She is called the daughter of Zion (Micah 4:8,10) and the place of this new teaching is Mt. Zion.
While man thinks he is in control it is the Spirit who leads and guides and nothing happens except it is part of the plan that has delivered us to this
It is the great trap that has misled and conditioned people since the time of the Roman Empire. Prior to this people traded in goods and clay cylinders and tablets of ancient times verify that money was never used. The rise of coins was gradual and at first untrustworthy as merchants were used to dealing in exchange. Two sheep might have been worth one cow or a sack of barley, and these exchanges are recorded as such.
Only with the introduction of iron and complex alloys could money be minted and the first coins are primitive in design and some carried the king’s likeness while others might bear other images. ‘Exchange’ is the same as ‘X-change’ or ‘changed by the cross’ and that concept needs explaining.
Following my reincarnation and with a strong link to the Spirit of the Universe, the real God, it took me back in time to the origin of religion and the first crucifixion. It showed me the Mother God of Babylon and how it reigns supreme to this day. The identity of the two beasts of Revelation was also made known