Category Archives: Money and Bank

Tips On How To Open A Bpi Bank Account

Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

How To Open An Online Second Chance Bank Account

How To Open an Online Second Chance Bank Account

Second chance checking accounts have very few differences in traditional bank accounts. For instance, since the overwhelming majority of banks and credit unions that participate in ChexSystems’ database inquiry program are brick-and-mortar establishments, this leaves banks that are primarily online based the advantage of being able to operate without the high overhead costs of real estate. ( please read more if you would like to get removed from chexsystem database) In turn, these banks are able to accommodate account holders which other banks and credit unions would deem as too much of a risk. This also means that the interest rates that online banks and second chance banking accounts offer are comparable to traditional banks. Second chance checking accounts are perfect for people who are paid with direct deposit. To sign up for a second chance checking account, all you need is a drivers license and a sister security card. There are no more embarrassing, long lines at the bank paid for decision. (Also consider opening a bad credit bank acocunt if you need one). You already knew that you were approved. There are also no embarrassing inquisitions made by a banker. Your account is approved within minutes. some people also refer to it as 2nd Chance Bank account, which is the same as second chance banking.

Get a No Chexsystem 2nd Chance Bank Account

To open a business second chance bank accounts also offer joint bank accounts, new credit check bank accounts, nine ChexSystems bank accounts, in some even offer offshore bank accounts. Of course, these programs vary from bank to bank so you will have to review the each bank’s programs individually and compare them. 2nd chance bank accounts are typically Internet bank accounts with little or no restrictions to what the account holder can use the account for.

Open an Offshore Bank Account

For instance, contrary to what many people believe, second chance bank accounts do have Visa or MasterCard debit cards issued with them. You may also consider open a new bank account online. These debit cards can be used just like a traditional bank debit card. They can be used at hundreds of thousands of stores worldwide wherever Visa or MasterCard accepted. You can also use your debit card to withdraw money from nearly any ATM in the country. There is only a small withdrawal fee. Accessing second chance checking accounts online is much like accessing any Internet bank accounts online. Simply log into the bank’s website, enter your login information and password and you will be able to do such things as check your account balance, transfer funds from one account to the other and even pay your bills online.

Take a look at to find out whre you can apply for an account today.

The Real Deal With Bank Properties Listings

While there are indeed many bargains that can be found in the foreclosures market, you should not expect that every property that appears in bank properties listings is a bargain. There are many factors that could drive property prices either up or down. Knowing how to appreciate the market as well as the forces that move behind foreclosures and the entire real estate industry can level your expectations. When dealing with bank properties in particular, take note of the following as smart guides so that you may be able to purchase properties wisely.

The Real Deal With Bank Offerings

It is a common notion that bank properties are the safest to buy in the foreclosures market, owing to its ability to erase all liens and transfer clean, good property titles to the buyer. However, despite the screaming ads that boast of low prices and steep discounts, you should be aware that banks do not pass everything on a golden plate.

When pricing a property and before putting up in bank properties listings, the bank would usually price it almost near to what it is worth, unless it foresees that the property would hardly sell in the market. To attract buyers, banks would commonly employ marketing strategies that would entice the average buyer. This includes offering the property as a move-in-ready property or including some furniture with the sale or even waiving some of its closing costs.

Also, while banks generally aim for quick sales, this does not mean that they jump in on every offer that they receive for a property. In fact, many foreclosures stay on the market for several months before signs of its being sold even become apparent. The main reason is because it could take weeks or even months for a bank to respond to a buyers offer. And when it does, it almost always makes a counter-offer which could again prolong the negotiation.

Another thing to be aware of when dealing with bank properties is the fact that defects in property conditions are hardly disclosed by the banks. This is understandable, since many state laws do not or even exempt them from disclosure liability. Another reason is that banks could not be expected to know the condition of all the properties in its inventory.

Finally, when looking at bank properties listings, bear in mind that there are very few banks that will offer or even entertain pre-closing repairs. If you think that you can insert the deal at any time in your negotiations, you may be in for a surprise. The way to deal with this is to do your own inspection and approximate the repair costs to determine its level of acceptability to you.

Creditors Taking Money Out Of Your Paycheck

If a creditor has problems in collecting a debt from you, he has a few options at his disposal. One of them is to sue you and attempt to garnishee your paycheck. What this basically means is that, since he is unable to get the money directly from you, he is asking the courts to force your employer to take money from your paycheck and send it to him. To protect you and prevent abuses by the creditor, however, both the federal and state governments have enacted a set of rules as to how this should work.

The first thing that must happen is that the court must actually rule against you. If the creditor sues and the courts reject his claim, the creditor is out of luck and will not be able to legally collect any monies from you. If, however, the court enters a judgement against you and the creditor prevails, the court can then direct your employer to set aside a certain amount of your paycheck each week and send it to the creditor until the debt is resolved. In legal terms, this is known as wage garnishment or a wage attachment.

In order to prevent you from becoming destitute, there are Federal and state limits as to how much money can be taken from your paycheck. The federal limit is the lessor of 25% of your weekly paycheck or a calculated formula comparing the dollar amount of your weekly paycheck minus 30 times the minimum hourly income. In addition to federal wage attachment laws, all states have their individual laws. These laws, however, must provide at least the protection to the debtor that the federal laws provide.

In fact, some states have enacted significantly tougher wage garnishment rules on creditors than the federal laws do. These laws may either add additional barriers that the creditor has to overcome if they want the courts to rule in their favor. Or, the laws may go much further in limiting the amount of money that can be deducted from the debtors paycheck. In practical terms, what this means is that a creditor bringing a suit against a creditor in Minnesota can expect different results than a creditor filing a lawsuit in Arizona.

A number of employees are needlessly afraid of wage garnishments. Yes, it is embarrassing. But, primarily they are afraid of being fired by their employer when their employer discovers that a creditor has sued them for money. But, the federal law explicitly prevents an employer from firing you due to a wage garnishment. If an employer does fire you, however, you will have a legitimate criminal lawsuit to bring against your employer.

Now, to be sure, the fact that their wages are being garnished can be embarrassing for the debtor. But, in a society where debt is such a large part of nearly all financial transactions, it is a necessary tool that allows creditors to be repaid what they are legitimately owed.

How To Make Money Quick Programs – Avoiding Scams And Finding The Gold

Few people would argue if you purposed that they could make money and make it fast. The unfortunate thing is that people think that fast money is easy money. While that may be true in matters that are outside the law, it is not necessarily that way when referring to legal dealings. The idea of how to make money quick interests most of us but when we consider getting involved with the many programs that offer to show you how to make money quick you really need to be practical about it.

If you are looking to learn how to make money quick the first place, you will find a lot of schemes and programs on the Internet. Caution must be advised here as the Internet does have its share of “The Others” out there who are trying to sell you the next big secret on how to make money quick. The problem is that some of these plans are really more like scams than anything else. If you find a program that is promising you untold wealth with just a few minutes work, then walk away as it isn’t going to happen without some good old fashioned hard work in the beginning.

That is not to say that all people trying to sell you on a how to make money quick plan are frauds. Some are truly sincere and well meaning and their programs really do work. However, it is not the way you might think. When learning about making money online a good plan will not make unsubstantiated claims and grandiose promises of millions of dollars in minutes. These how to make money quick plans will show you how to build a strong financial foundation for your future. The truth is that you can indeed make money fast using what is taught in these programs; it is just unlikely that you will make enough to take you to a higher tax bracket unless you find the right one. It is realistic that over a period of time, if you find the right plan and you are committed, earn a very tidy sum of money indeed. You could even earn enough to quit your day job eventually.

I am actually a testament to this idea, where as I actually did find myself making money fast once I had learnt the basic principles which can be taught to anyone. People aren’t born millionaires, they have all followed a system and been taught before they reached those heights. There’s no reason at all why you cannot do the same with time, some hard work and persistence.

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Best Conveyancing Lawyers Can Help You Save Money

It is a dream of almost every individual to own a house. While many cannot afford this, there are several people who have the capability to buy a house of their own. However, the process of purchasing a house is a complex one. The purchaser as well as the seller needs to go through a lot of procedures to ensure that the property is properly handed over to them. There are several legal perspectives to these processes. Hence, it is not easy for a person who is not aware of legal details to handle this procedure. What you can do while going for a purchasing or selling of a house is employ a lawyer who can help you during the whole process of the deal. Conveyancing lawyers can be a best choice for this sort of business.

The lawyers specializing in the process of conveyancing can be extremely helpful while transferring the property from the name of one person to that of another. Every deal of purchasing and selling a house needs to have a proper contract. It is not possible for you to prepare that contract if you do not have legal knowledge. A conveyancing lawyer can represent you during the deal. He can draft the contract for you and let you know its meaning in simple English. He can explain the legal jargons to ensure that you find it easy to grasp the details of the contract. He will also accept the first draft of the contract from the lawyer of the seller and explain it to you in a way, which you can easily understand.

It is not extremely difficult to find a good lawyer who can provide you with conveyancing services. You can ask some of your friends who have availed the services of such lawyers. Besides, you can also surf the internet to find the contact details of some of the best lawyers who can help you with the detailed procedures of conveyancing.

The fees charged by different lawyers for the purpose of helping in the process of conveyancing vary a lot. There are several lawyers who charge nominal fees for conveyancing for different types of tasks. However, there are also other lawyers who charge a considerable amount for the purpose of conveyancing. The ambit of services offered by these lawyers differs depending on the amount they are charging. It is always advisable to go for a lawyer the fees of whom you can bear. The conveyancing fees must be within your reach. Besides, you should always ensure that you are getting the services of the best lawyer that you can afford. Getting the best conveyancing lawyers will help you save a lot of money while buying or selling houses.

Nabard, Hdfc, City Union Bank

National bank for agriculture and rural development is set up as an apex development bank with an authorization which provides credit flow for the development and promotion of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts. This bank provides finance to the farmers so they can cultivate good crop and can expand and develop the agriculture. Nabard was established on 12 July 1982. This bank is the apex development bank in India having headquartered based in Mumbai, Maharashtra and this bank offers training and research facilities for banks, cooperatives and organizations working in the field of rural development. Similar to other bank this bank also invites application from the Indian national to fill the vacant post in different branches of the bank. The Selection process for all the post will comprise a written test and the candidates who are successful in the written test examination will be called for a personal interview. The official website of this bank provides the detailed information regarding the recruitment and the selection process.
HDFC bank
HDFC i.e. Housing development Finance Corporation is the major Indian commercial bank that was incorporated in August 1994. This bank was promoted by the housing development finance corporation, a premier housing finance company (set up in 1977) of India. Apart from the banking and financial services this bank also provide recruitment for all the eligible candidates who dream of having jobs in banking sector. Basically the selection process is based on GDs and personal interviews. The applicant can apply through online application during the opening of vacancy. If you are the fresher and want to explore the career in banking sector then the HDFC bank recruitment 2012 is the best option to start your career.
City Union bank
City union bank is the Indian regional bank started on 31 October 1904 in the Thanjavur District Tamil Nadu. This bank was popularly known as ‘The Kumbakonam Bank Limited’. The first Branch of the Bank was opened at Mannargudi on 24th January 1930. Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar within a span of twenty five years. This bank also invites application from eligible candidates to fill the vacant post. The selection process is based on written test and interview. The written test comprises of four sections test of reasoning, English, Quantitative aptitude test and Test of General & Financial Awareness. The selection process and eligibility criteria keep on changing every year. So the candidates must read daily updates in newspaper and also in official website of the bank.

Ethical Money Makes The World Go Round

Whatever your resources, socially responsible investment (SRI) can help you fulfil your dreams, and make the world a better place. SRI means you can channel your money away from industries that contribute to the destruction of the environment, companies employing sweatshop and child labour, business involved in animal experimentation and corporation that support repressive and brutal regimes

Like any investor a socially responsible one wants to see a sound return on their investment but they also want to invest in companies that demonstrate social and environmental principles. Even though SRI means limiting choice in types of investment it has not led to any systematic under performance in stocks, in fact it have done as well as or better than others on the market.

SRI developed in the USA as a response by concerned Quakers and other people disgusted that their investments were supporting the arms trade and the Vietnam war. Since then SRI has become a growing market within the UK, and is increasing at about 34% per year Socially responsible investors include institutions such as non profit organisations, Churches, trade unions, universities and individuals from all walks of life. What they have in common is a commitment to channelling their money towards investment that reflects their personal ethics and values. You don’t have to have lots of money to be a socially responsible investor although a minimum commitment is like with most funds about 50 pounds a month.

There are two main strategies to SRI: Avoidance Screening – choosing not to invest in industries for example, those with discriminatory employment practices, business activities with repressive governments, poor environmental records, animal testing, weapons contractors and the tobacco industry.Affirmative Screening – Actively seeking out investments in activities to support such as alternative energy and natural foods, companies that show commitment to their workers, communities and the environment.

Davinos Greeno works for the and directory that lists 100s of Organic and Ethical Companies and we also have for you to read or publish.

Process Outsourcing Services Can Save You Bundle Of Time And Money

Not all process outsourcing services are equal. There are variations that you will find that are easily distinguishable between various services providers. As a good rule of thumb, it always is of profound foresight to conduct your due diligence and ensure that you thoroughly review and research any entity that you intend on doing business with before actually conducting business with them. In this manner, you can get yourself the best process outsourcing services for your hard earned business buck. The purpose of this article is to help you better understand what process outsourcing services entail, and how they can benefit your entity, as well what to look for when searching for a reliable provider.

What Are Process Outsourcing Services?
Process outsourcing services consist of key business processes that are conducted via an outsourcing partner and that facilitate the same means to an end as the domestic processes that were being conducted beforehand. The goal of process outsourcing services is to streamline the economic efficiency of any entity while ensuring that the integrity of the quality of the service or the product is not compromised in any way, shape or form. Process outsourcing services can encompass nearly any type of business process. A few common examples include: inbound or outbound call center services, collections, telemarketing, and other types of back office support services.

Who Needs Process Outsourcing Services?
Virtually any business that already is conducting such business processes will require process outsourcing services. The main idea to keep in mind is: how much money can you save by utilizing process outsourcing services while ensuring that a specific focus on quality and customer service remains intact. From boutique to medium and large-sized businesses all the way to brick and mortar online-based businessesthey all can benefit from enjoying the price break that comes from wisely using process outsourcing services.

Is the Quality the Same With All Process Outsourcing Services?
This will vary depending upon what type of process outsourcing services partner that you opt for. Thats why it is incremental to thoroughly research the partner you are considering using. Look for their experience, the clients they have served, client testimonials, prices and online reviews to arrive at a wise decision. Using this proven method, you can remain confident that your process outsourcing services will be handled in an expert manner that coincides with your corporate philosophy and ideals.

Top Reasons to Use Process Outsourcing Services
There are five top reasons to consider using process outsourcing services.
1.Spend less and get more for your money.
2.Receive the same quality of service with fewer headaches.
3.Increase RIO while reducing overhead.
4.Ensure that quality assurance and customer service is always five-star.
5.Focus on running your business, and not on the tedious processes that take away from your focus.

About Bank Clerk and Bank PO

The banking sector has a wide variety of jobs to offer. With the opening of new bank branches all over the country, the demand for trained professionals in the banks has increased; these lead to bank recruitment on a large basis. Every year the bank conducts examinations to recruit the most deserving candidates for the respective job. Out of the many candidates who appear for the exams, only a few are able to clear the challenging exams and reach the interview session. Bank po and bank clerk are two reputable posts offered by the banks. They not only provide a steady income but also job security.

Bank PO: Bank po refers to bank probationary officer. Bank po does not perform a specific task in the bank, however they are required to carry out various important activities in the bank The maximum age for recruitment of bank po is 30 years. Candidates beyond the age of 30 years are considered ineligible for applying for the post. Tough examination is conducted for the recruitment of bank po. The selection rate is very less. Out of the many who apply for the job, only a few are selected. There are two exams: preliminary exam, which consists of objective type questions, and mains exam, which consists of objective and descriptive type of questions. The examination follows a group discussion and an interview round. The over all performance of the candidate decides the final recruitment. After selection, the candidate undergoes a probation period. In this period, the candidate is trained. Based on the candidate’s performance in this 2-year probation period, he/she is recruited by the bank.

Bank Clerk: Bank clerk forms an important part of the bank as he/she carries out the main function of maintaing the bank records. It is the duty of the clerk to record everything from taking loans to cashing the cheque. A loyal and trustworthy individual is required for this post and hence the selection criterion is very strict and the most suitable candidate is recruited. There are certain pre-requisites required for the recruitment of bank clerk: Good compute literacy Good verbal and written communication skills Good mathematical skills Vigilant Trustworthy and honest

for the post of bank clerk and bank po is a difficult process; however, it is not impossible to clear the exams. A thorough study of the syllabus and practice of the question papers is very important to clear this exam.

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