banks

4 Major Tips for homeowners facing foreclosure:

1. If someone will buy you out…take it!!! You save on losing your built up credit and it will allow you to save your credit score to get a house once things turn around. If you allow your house to go to foreclosure not only do you ruin your credit but it makes getting a house again much more difficult and you have to wait sometimes at least 5 years.

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I've been using Bill Pay through US Bank for quite awhile now. I really like it. Most of the bills I pay are not able to be electronically transfered, so generally it gives a pay date of five days in the future. Last week though, I found out that this is not accurate.

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Bank repossesses house - mummy free of charge

We often read stories about various banks around the world and how heartless some can be when it comes to repossession after mortgage defaults.

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Netflix is an online DVD rental service that eliminates all the hassles of going to an actual video store. What hassles you say? For starters the late fees! You never have to pay late fees with Netflix, because you can keep the DVD’s for as long as you want. Secondly, the drive to the video store! Netflix DVD’s are delivered right to your mail box. If you’re wondering about the selection, they have 70,000 in stock. I’ve browsed through their new releases, action and adventure, drama, independent and comedy; just to name a few out of their 200+ genres. I can’t think of a single film that Netflix doesn’t have.

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Stung by rising costs, State Bank of India (SBI) wants to further reduce dependence on expensive large corporate deposits.

The bank, with about 19 per cent market share, will offer its highest fixed deposit rate of 8.25 per cent on Rs 15 lakh to Rs 1 crore for a year and more and 25-50 basis points more than on deposits of less than Rs 15 lakh, from January 8, 2007. Large corporate deposits of Rs 1 crore and above cost around 9.5 per cent for a year. SBI's cost of deposits has been rising since early this year. It was 4.47 per cent at the end of June 2006 and 4.51 per cent at the end of September 2006.

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National Payday offers cash advance loans right from your home! Plus it's free for first time users. There are no credit checks, and they will allow you a cash advance for up to $300.

We all know how expensive it can be to run to the local cash advance office. With this company, they are fast, easy, and free. If you apply for one of their payday loans during business hours, you can be preapproved in minutes. Have your cash by the next day!

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Have you ever tried to use a checkcard as a credit card at Wal-Mart, just to find that it's run through as a debit card?

This would be fine, but my bank charges a fee everytime this is done. And as far as I knew there was no way around it. Until I went to K-Mart.

At K - Mart, the same thing happened. I went to run it through and it was giving me the debit card option only. But the cashier told me a trick.

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Does anyone remember the Christmas Club?

As a little girl, I can remember my grandmother going to the bank once a week with several booklets. They would stamp each booklet and tear a sheet out. It was the Christmas Club.

She would use that money at the end of the year to buy Christmas gifts, which in her case was an envelope with money. She even had me to do a Christmas Club one time, which I think was $5.00 a week.

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Years ago, people who wanted to start a new life often times changed their name and social security number, but stealing someone's identity was relatively rare. Today, it is becoming more and more common for thieves to assume your identity so that they can steal your money.

Unfortunately, having your identity stolen cost you money, time, and energy. It may also affect your credit and even interfer with acquiring a job for many years.

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I have recently decided to open a new bank account as I wasn't happy with the bank I was with and found out that banks seem to do credit checks no matter what account you want to open even a basic account.
They even want to do a credit check even if they are giving you no debit card or credit facilities just for a standard account with a cash card. I think that this is ridiculous. Fair enough if they are giving you an account where you could get into debt with credit facilities but just for a basic account where you can't even use a debit card I think that is just stupid.

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