Category Archives: Money and Bank

How Would You Open a Business Bank Account

One of the reasons that some business owners do not have a business bank account is because they do not know how to open business bank account. It is not uncommon for small business owners to go for years without ever needing a business account and, therefore, have no idea how to go about. There are several advantages to opening a separate business account such as being able to track spending and making tax reporting easier. It is not difficult to open your own account. Once you have a bank account for your business, you can then enjoy the benefits the account has to offer.

The first thing you need to do to open business bank account is get a business certificate. This is usually done through the licensing department of your local county government. If you call your business something other than your name, then you will need a DBA certificate which indicates that you are doing business as another name. Even if your business is called Bob Smiths Landscaping, it is still a good idea to get a DBA. When your company name is different than your business name, it helps your business to sound more legitimate and helps people to see that your business is its own entity.

Once you have your business officially registered and the piece of paper to prove it, then you can head over to the bank to open business bank account. But before you do that, you should spend time talking to different banks to get the best deal. Each bank has its own different way of administering business accounts. A business account will traditionally come with several more features than a personal account such as customized statements. Business accounts will also come with a schedule of fees that will differ from bank to bank. Take the time to find the bank that gives you the best possible deal before you decide on an institution to go with.

Spend some time becoming familiar with the features of your account once you open business bank account. As you get used to how the account works, you will begin to see all of the benefits it has to offer. After a while, you will wonder how you ever ran your business without a separate bank account.

Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

Total No. of Jobs: 180 Name of Posts : Staff Assistant

Manager (Scale I) No. Of Posts : 130 Posts

50 Posts

Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

Education: Applicants should have completed the Graduation in any stream from recognized university.

Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

Selection Process: Online Test & Examination.

Application Process:

Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

How To Find And Get Free Money For School Fast, $10,000 With No Credit Checks Or School Loans

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.

Wow Most Profitable Profession And Best Money Making Profession 4.3

What is the most profitable profession ways to make money in wow cataclysm 4.3? I think most of world of warcraft player are looking for the best way to make money in wow cataclysm 4.3. As one of world of warcraft, have you ever want to figured out the best way to make money in wow cataclysm 4.3? If this problem is still making you puzzled, follow three professions here to find your best way out.

Wow players have a number of goals in mind. Get more and top gears. Among them, the most focused part players care is how to make money quickly and with great amount. Everyone wants to get lots of money, so they want to find out which wow profession makes the most money in cataclysm to achieve their goal. In this article, you will get the answer to the question of which Wow profession makes the most money in cataclysm 4.3.

1.Gathering Professions: Gathering is very profitable and slowly loses value over the lifespan of an expansion,though their potential to make money is always going up and down. The reason for this fluctuation is because gatherers mainly collect items people use to level up professions. When a new expansion releases, many crafters will be on the lookout for materials to level up with. This drives the price of ore and herbs way up.It’s regarded as another good profession to make the most money.

2.Crafting Professions: Crafting professions are professions using materials to make something and learn recipes.These include Jewelcrafters who cutting gems, Tailors who legging enchants and Alchemists who create consumables like Flasks. These professions tend to be the most profitable because you can quickly craft a bunch of items and then sell them on the Auction House.With crafting professions, there is no need to wait for players to bring their materials to you or count on them to tip. You simply make the item and sell if for what you think is fair. For this reason, this is one of the WoW professions which makes the most money in cataclysm.

3.Serving Professions: Serving professions seems not to make the most of world of warcraft gold.But it also make money when logged into the game.Enchanting, Blacksmithing, and Leatherworking are all service professions. Players using these professions rarely buy materials, create an item, and then sell it. Instead, players seek them out, bring their own materials, and tip anywhere from 0-15 gold.

After knowing these three professions, you must have some points in mind about what is the most profitable wow profession makes the most money in cataclysm 4.3. Making money can be easy with gathering professions in wow cataclysm 4.3. Of course, or wow gold online is also another good choice to make the most money and save time in wow cataclysm 4.3.

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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Secret Money Factory

Availability of floating cash to use at your whim is one dream that every sensible person has. Getting money with no sweat at all can be a very ecstatic experience. Gifting programs have provided these dreams and experiences for quite some time.

Most of these are outright false and unpractical. Although they are viewed with skepticism, gifting programs have with time proved that they can actually work if managed well.

It is rather natural that human beings would not work if they could get a way of getting money while staying at their homes. Such an occasion is not common.

Through a well established network, members register in this program and all the gifts they give or receive are marked. This method is quite simple as all one is required is to introduce new members and the gifts keep coming.

No qualifications or talents are required for one to become a member of magnetic gifting systems. These programs are run by very experienced and trained staff to handle clients in the most professional way. An interested person doesn’t have to struggle a lot wondering how to join. All it needs is just going on line and seeking from the web.

You certainly do not need any special talent or skills to make it in this program. It is simple and straightforward and no circles of selling new products which you do not know even how they work. All you need is a superb internet connection and after a very easy registration process our trainers take over. They will train you on how to network and make money on line without having to go through excess clutter and crumbled lies disguised as informational material.

Magnetic gifting systems are run from homes thus needs very little capital to start. Practically, the expenses are minimal.

In addition, a pre-written auto-responder that is customized is installed for the member. The registered member is further given unlimited access to a powerful broadcast dialer system that enables calling and delivering of messages to answering machines globally.

This program is commonly referred to as magnetic gifting as a result of its ability to attract new members. It pulls them like a magnet hence creating a large pool of investors. When you register for this program you will be given a whole bunch of on line books, videos as well as audio tapes that will assist you to make the most out of this program.

Magnetic gifting is a secret money factory of unbelievable ability to make people wealthy and change their lives positively.

Earn Money By Promoting Cpa Companies – Make Money Online Through Cost Per Action

Make Money By Promoting CPA Companies

Many times people are asking frequent questions that . Many sites are promoting campaign to make millions through online website and also explain the ways to earn money. This is a big network and marketing channel to promote the products across the world and as an online promoter of the products, you can be the part of this online multi level marketing channel. You can do the promotion of the other products on your site. Even if you dont have your own online presence in form of the website, you can get register with some of the space provider company where you can define your webpage with the easy to use site building tool and propagate your products and other concerned sponsored links on your hired web page. CPA promotion is one of the best ways to earn fast online money. CPA means Cost per Action. This means you will get paid for various activities done on your website through visitors like completing survey, subscribing for newsletter and filling a basic form such as name, address, email and other details etc.
Many CPA companies conduct the above activities on behalf of their clients. There are some well known companies like Inuvo connects advertisers and publishers through affiliate marketing platforms based on pay per performance that gets advertisers more quality leads and clicks. guppymedia.com provides Premium online performance and affiliate network for advertisers, publishers and networks. With presence in over many countries worldwide and offers lead generation, email marketing, mobile marketing and affiliate marketing as a whole is delivered on a global scale. Another CPA companies like linkshare offers affiliate marketing programs and marketing channel. Lazy Profits is an affiliate network with hundreds of offers, focusing mainly on email and ZIP submits. The IDzMedia Publisher Program is an actively growing affiliate network that delivers one million plus leads to its merchant partners every month. Whether you’re looking to increase the ROI for your campaign or maximum revenue for your adspace, instantdollarz.com is the place for you. Their publishers and proprietary websites deliver quality traffic 24 hours a day via banner, search, email and social media, as well as incentivized and lead generation marketing.

Thus if you want to earn extra money online, on your website is really good way to earn money from your website. There are other alternatives for making money through websites to , sell resell right products by increasing your website traffic.

Understanding Bank Identity Theft

Whether you have a hundred dollars in the bank or a thousand dollars in the bank, there is nothing worse then an identity scam that drains your bank account of its funds. Bank identity theft is nothing new in crime but the trend seems to be growing at an alarming rate. Sadly, not too many people know how to protect themselves from bank identity theft and that could be why so many people are being taken advantage of.

Maybe if more people were to understand how to protect themselves, less people would be missing money out of their bank accounts. Something so simple such as allowing your computer to remember your online banking password is enough for bank identity theft to take place. It is never a good idea to let your computer remember or store any of your passwords because your computer always has a chance of being hacked into. .

If that happens, the first thing they are going to try to do is bank identity theft since that is the fastest way to your money. If you have trouble remembering your passwords simply write them down and store them in a safe place.

Other Things to Remember

A lot of people are able to get away with bank identity theft by taking a little amount of money at a time over a long period of time. If you are one of those people who have a hard time trying to remember to balance your checkbook, you may not find it odd that you are missing ten dollars here or twenty dollars there. By being proactive and logging all of your banking activities, you will have a much better chance at noticing a problem taking place.

Then, if you notice something odd, you can contact your bank and they can put a freeze on your account so it cannot be broken into any longer. Never leave your checkbook or debit card lying around because that gives people the chance to write down or copy your banking numbers. With the wonderful world of the Internet, a thief does not need to actual card or check to purchase things online.

All they need are the numbers for bank identity theft to work in their favor. Before you know it you will be completely out of money and they will all sorts of new things thanks to your lack of bank identity theft knowledge. So be careful and be proactive so that you never have to face such a situation in your life.

If you love this article, you will also love another article written by this article’s author on and .

Selecting Hard Money Lender – Five Things You MUST Know

Finding active hard money lenders may require some research, because they’re not nearly as obvious or numerous as conventional lenders. Many only lend money in their immediate geographic areas in order to be able personally visit properties before making loans. Check with mortgage brokers, because they often represent some hard money lenders. You can also find hard money loans through newspaper ads and on the Internet; but always verify lender credentials beforehand, as you should before working with any kind of professional mortgage lender. You’ve decided to get into rehabbing properties. A hard money loans seem to be your best option to fund these ventures. Here are a few ideas and questions to ask designed to help aid your search for a reputable hard money lender, broker, or referring source:

1. Hard Lender Experiences: Ask how long they’ve been in business. How many successful deals have they made? How many collective years of experience do all key people at the company have? Look for a hard money lender that has “direct hard loans lender” in their advertising. It’s a good sign.

2. Industry Connections: How many hard money lenders and investors does this company work with? Go with one who has several funding sources (Hedge funds, Mortgage pools, Private Equity Groups, etc.). The more connections they have to direct hard money lenders with ready cash, the faster – and better they’ll get the job done.

3. The Commercial Real Estate Market: How is the market in your area? The better the market’s doing, the lower your hard loan interest rates may be. If the market is slow you may end up paying much higher interest rate. Make sure you know the market in your area.

4. Brokers: The Company or referring source that helps you with your search for your hard money loan will have a lot of influence. Make sure they are competent. How? Ask someone who has dealt with hard loans before. Ask your lawyer. Do as much research as you think you’ll need. Hard money brokers will help you shop many investors and lenders to find a loan that works for you.

5. Direct Money Lender: Some hard wholesalers or direct lenders can fund your loan directly. Direct money lenders are a more direct way to get your loan underwritten and eliminate the use of a broker or referring source but, may have to start the application process all over again if you started with a broker. Either way, make sure you are working with a reputable company who has a proven record of success with hard lending.

Different Types Of Bank Accounts Explained

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.