Category Archives: Money and Bank

Orchard Bank MasterCard

Orchard Bank MasterCard

The Orchard Bank credit card is issued by HSBC Bank. This is a sub prime credit card.

They have a unique application process. They will match your credit score with the four cards they offer.

These cards include three unsecured cards and one secured card. Your score depends upon what card is offered to you. However you have a very high likely hood of being approved for a new line of credit.

If you have a very damaged credit history then you will be approved for the secured card. With this card you make a deposit and you are issued a credit card with a corresponding credit limit.

This card will work just like an unsecured card, meaning you will have monthly payments. Your APR will be between 8.9% and 14.9%. This is lower than most bad credit cards that carry an APR of roughly 19%.

If you have limited damage to your credit score then you will be approved for an unsecured card. If you want to have the secured card instead you can still be issued that card.

The unsecured cards will have some fees like a 19$ account set up fee with one of the cards. These cards also carry an APR between 8.9% and 18.9%.

However the fees with the Orchard Bank cards are dramatically less than any other available bad credit cards. In addition they offer considerably lower APR’s too.

All of these cards will report to the three major credit bureaus. With responsible use of your card you can build a positive payment history on your credit report.

This is very important to your credit score. It is estimated 30% of your credit score comes from your payment history.

In addition these cards will improve your ratio of available credit to debt. This factor weighs roughly 30% of your credit score. It is how the bureaus judge if you can financially handle another credit line.

For your information it is rumored that once a negative mark on your credit report ages four years it has much less weight on your credit score. However if you remove negative items from your report and create a positive payment history your credit score will jump substantially.

In sum we do suggest the Orchard Bank cards to those with a low credit score. This card can be a very valuable tool to rebuild your credit.

For more about the or for a review of the another visit us.

Coaches – Make Money By Teaching Teleseminars

Coaches – Make Money By Teaching Teleseminars

I have worked with hundreds of coaches, and I always recommend that they use the multiple income stream business model for their coaching business. This means that coaches should create products, such as e-books, teleseminars, audio recordings, in addition to doing one-on-one work with coaching clients.

Having worked with many coaches on creating multiple streams of income, I can tell you that teaching teleseminars is one of the best ways for coaches to create additional income and gain more clients online. Here is why:

– Teaching teleseminars helps you promote your expertise. Many experts teach.When you teach teleseminars you show others that you are an expert in your field. Teaching helps you demonstrate your expertise to a wide variety of people.

When your potential customers know that you are an expert in your field, they are much more likely to hire you and purchase your products. As you can see, being known as an expert in your field helps you make money online.

– Teaching teleseminars helps you get one-on-one coaching clients. If your goal is to get more one-on-one coaching clients, than you should teach teleseminars. People who are unsure about working with you can attend your teleseminars to experience your expertise at a much lower price then your one-on-one services.

Once they are exposed to your expertise, they can decide to work with you.

– Help more people by teaching teleseminars. You want to help many people with your coaching, but you are not able to work with each one of them one-on-one. When you teach teleseminars, you can help many more people at the same time.

– Teaching teleseminars helps you increase revenues. To make money with your teleseminars, charge people who would like to attend them. You can earn much more money per hour by teaching teleseminars then doing one-on-one work because with teleseminars you can have many people on the calls.

– Teleseminars are the best way to create multiple income streams. Use your teleseminars to create multiple income streams:

The teleseminar in itself is a new stream of income for your coaching business. Record the teleseminar to get an audio recording. Now you can sell the audio recording on your web site. This is another stream of income for your business.

Use the information that you taught during the teleseminar to create an e-book, which will be another income stream for your coaching business. Use the teleseminar, the audio recording and e-book to make thousands of dollars with just one teleseminar.

Coaches, teach teleseminars – it is a great way to get more clients and make more money with your expertise.

Biana Babinsky is the online business coach and expert, who teaches coaches how to make thousands of dollars with their teleseminars. Get her at to learn step-by-step directions to create and teach profitable teleseminars.

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

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.

Do you want to but avoid the scams? Would you like to use proven money making tactics to earn an income on the internet? Go and claim your FREE videos that teach you how to do all this stuff step-by-step at =>

Learn How To Build Your Own Tiki Bar and Save Money

Learn How To Build Your Own Tiki Bar and Save Money

Tiki bars are sought after by many people because of the “island vacation” feeling and atmosphere that they provide, whether it be in your backyard or some other gathering location. Unfortunately, if you seek to purchase a brand new bar you will find that many of them cost several thousand dollars a piece, with some as high as $5,000! This is why many people will choose to purchase tiki bar plans or blueprints so that they can build their own bar and save tons of money.

There are several guides available that have tiki bar plans which show you step-by-step how to build your own bar. You need to make sure that you find a guide that is full and complete, covering all aspects of the construction process. This would include a list of all materials as well as where you can find and purchase these materials. It should be noted that the materials required to build a tiki bar cost only hundreds of dollars, rather than thousands. It is also important to recognize that building one is actually fairly easy, requiring only tools that are common and easy to come by.

There are countless benefits to building your own tiki bar as opposed to purchasing a brand new one from a store. They are fun pieces of outdoor furniture that will surely add a vacation feel to the area in which you place it. It is a great place to have drinks and relax with friends or family. When crafting your own bar, you can make it exactly how you want in terms of look, feel and size. Most importantly, you will be able to save yourself hundreds or likely thousands of dollars by building your own.

Tiki bars fit nicely into almost any type of backyard, especially if you have a swimming pool of some kind as this will add to the “island vacation” feel of your backyard. Be sure to find a well written guide that will explain each step of the building process completely and fully, to ensure that your resulting project is perfect. Many people are able to build their own for around $700, which is fantastic when compared to the price of a brand new bar purchased from a store which can reach several thousands of dollars. A well written guide will also ensure that you do not need to be experienced in the area of construction to have a well build tiki bar.

Money Flows Like Water

Money Flows Like Water

Money is an uncountable noun. The best thing you can do is count units of money. And every nation has a different name for those units and they are valued relatively to a particular unit’s buying power at home and it’s buying power after conversion somewhere else. And this value is always changing. In other words, we all have a pretty good idea (at least we think we have a pretty good idea) of what money does, but the fact remains that money is completely relative to a extraordinarily complex set of factors, among those including political and economic ones. In a simple sense, diamonds are only valuable because they are rare, and gold (which used to be used as money) was like that as well. But now hardly anyone knows what exactly is determining the value of money- even the economists don’t know.

So how then is money like water? Because most of us have a very simplistic and narrow view of money, and in general, the more you have, the better. But money, like water, always has to go somewhere, doesn’t it? You can, I suppose, accumulate it and keep it, like a water reservoir, in a big bank account for future use. But water evaporates into thin air and so does money (through inflation or economic voodoo spells), so you either must then invest it and make money off your money (which is always risky in one way or another) or spend it ahead of inflation. In any case, if you’re not in the business of making more and more money, (if you’re on a fixed income) money can become a very difficult paradigm to figure out.

I don’t have to worry about that at the moment, though I do find that position enviable (well, a more or less fixed income- I’d like to deal in goods rather than work for cash). But right now my bankbook reads like a riverbed in an extreme environment of a monthly flash floods, immediately followed by a month long drought. Money flows in, I pay all the bills, and there’s nothing left to save. So the nation of me is very water poor.

How To Open An Online Second Chance Bank Account

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 www.loanstogo.org to find out whre you can apply for an account today.

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.

Avoiding pitfalls with a property closing on a bank owned house

Avoiding pitfalls with a property closing on a bank owned house

You’ve gotten a good lead on a particular property. You’ve called the homeowner and the prospect seems encouraging. You inspect the house, like what you see, and make an offer. Now the real test begins.

It may seem like a simple process to move from the final offer to the property closing. However, there are a number of steps you’ll have to follow along the way. Miss a step and you could seriously jeopardize your deal-and lose a great house in the process.

In the best case scenario with a bank-owned house, you will receive a call from the realtor saying that the offer has been accepted. The realtor will then need earnest money, which usually amounts to $500 or $1,000. You then add your addendum and the final package is then sent to the asset manager.

The realtor will normally get back to you immediately-either the same day or one or two days afterward. Then, you move onto the paperwork. You’ll be waiting to find out if the package has been signed by the originator of the loan. Then, a closing date will be set.

You will work with private lenders to have money sent to the closing table. The money will be sent via wire or bank check-not a personal check. You will need the routing number from the title agency so you can tell the private lender where to send the money to. Then, you work with your insurance company to set up hazard insurance. Obviously, you will need to know what your payments are going to be.

At the closing, you will be able to do the final signing over of the deed. This is a critical point in the home buying process. You pass out the checks and then you will receive the promissory note and the mortgage. You can then send the promissory note to the private lender.

Finally, the route from offer to closing is not always smooth. You can run into some bumps along the way. But if you are careful to take care of details, you communicate with all the people involved in the process, and you steer toward your goal, you can end up with a deal that you’re happy with. And you can build a successful real estate business of buying and selling property to tenant buyers who are eager to have a home to call their own.

How To Earn Money Online Genuinely Without Investment

How To Earn Money Online Genuinely Without Investment

There are many legitimate and practical ways to make money online these days. Though there are some jobs that are relatively easier than others, earning a sustainable income from the internet is not easy or quick. It takes hard work, discipline and dedication. Here are some ways in which one can earn money online with minimal investment.

If you have good writing skills, you can become a freelance article writer. Here, your work would involve writing articles revolving around various topics which you would then submit to online directories. You could either write them in batches and sell them as a package to a number of clients. Potential clients include small businesses, blogs and marketers. You may also offer your services for hire per article and let your client direct you on how to write them.

You could also write specialized articles for magazines and other publications. This is practical where one has some journalism background or is passionate about a particular topic. There are publications willing to hire such writers in pretty much any niche that one may think of.

One may also make money by helping local businesses increase their significance on the internet. Many small local enterprises are struggling to do this. You could help them in areas such as SEO, setting up an email list or teach the proprietors some web 2.0 basics. Many proprietors would be willing to pay for your services if you can deliver results.

As more internet-based businesses continue to be established each day, the demand for virtual assistant services continues to rise. Virtual assistants are used for research, finding things, making phone calls and doing light tasks. You could set up a blog or site to offer such services.

There are many people who do not know how to sell stuff over the internet. You could offer to sell their merchandise at a commission. This could gradually evolve to a business where you buy wholesale items online and retail them at a profit. A good place to begin would be garage sales where you are likely to find good items at bargain prices.

Another popular and easy way to make money is by enrolling in affiliate marketing programs. This applies to a situation where firms pay affiliates to attract clients to their brands. You generate a substantial income if you have a site with a steady flow of consumer traffic.

Another easy way to earn money online by participating in paid surveys . Market research firms get paid by manufacturers to gather consumer feedback. The firms then share a portion of their earnings with the participants. There are hundreds of survey firms that are willing to pay for your opinion.

Current Affair in Bank Exam

Current Affair in Bank Exam

Current affairs are very important in our understanding of the world that we live in. They give us the picture of the world in a broader perspective. Our vision becomes much clearer and broader. They allow us to stay in constant touch with the “Real” world. Thus, we as human beings, should stay updated by by acquiring knowledge on the current affairs taking place around us. Current affairs also hold academic importance; their inclusion in the bank exams is a proof of their importance in today’s world. They demand thorough preparation of current affairs through mediums like quizzes, newspapers, radio, news channels etc. One must have noticed that recently, the number of current affairs questions in bank exams have increased. This is due to the growing dependence of the world on current affairs. A person who is unaware of the things happening in his/her surrounding is often said to be unaware. A high level of vigilance is the pre-requisite for survival in today’s world. We can not confine ourselves to our private lives. We need to enter the realm of the outside world by disrupting the lines of privacy. This would be beneficial for us as we would get different perceptions on a common or general topic. Thereby, increasing our understanding and widening our perception. Bank recruitment is a stringent procedure. Candidates in strengths of thousands apply for a single post in a bank. Addition of current affairs adds to the competitive level, and ensures the entry of the best candidates available. We can prepare for current affairs in the bank exams through various ways. Some of them are mediums which are easily accessible like newspapers, news channels, radio etc. Other mediums are not used on regular basis but provide great amount of information on various subjects. Quizzes are one such option which is highly educating and entertaining at the same time. You can gain current affair information on various subjects like political science, history, geology, science and technology etc.

Thus, if one plans to prepare for bank exams for any post, he/she should pay great emphasis on . Special attention should be paid to current affairs based on the banking industry and banking rules and regulations. Quizzes and newspapers can help you increase your current affair knowledge.

If you are looking for then read and at jagranjosh.com