Best Bank Rates – Which Bank Has the Top Rates on the Market?

What are the best bank rates? Which bank will give you the most bang for your buck? Obviously, today with the very low interest rates being offered, finding a bank that will give you the highest rates possible for your checking and savings account is very important. Some banks have higher rates than others, so finding the top one is important to maximizing your return on investment. So how do you go about finding the best rates available? First of all, you need to know what you are looking for rates on. Today, there are very few banks that still only offer checking’s and savings accounts-almost all of them have branched out into things such as certificates of deposit, IRA’s, loans, etc. Therefore, what you are looking for will affect your choice, because some banks offer the beset rates for one of these, and are at the bottom of the list in other departments. First off, if you are looking for checking and savings accounts or certificates of deposit, check on the internet. Typically, banks that do business solely online offer the best bank rates, and usually about one or two percent higher than most other banks, simply because they have fewer expenses than banks with a physical presence. They don’t have to worry about keeping up physical branches, which is why they can give you the better interest rates. I’d highly recommend you look into these banks, as you can get the most bang for your buck. Just do a search on banks that are solely online, and many will come up. Also, many of these banks actually offer lower interest rates on loans and mortgages, again for the reason that they have fewer expenses, and therefore can afford to. Of course, if it was this cut and dry everybody would go with an internet bank, right? Correct. There are drawbacks as well, such as the fact that you often times can’t get to it when out and about, for the simple fact that most of these banks don’t have ATM machines. However, as long as you remember to bring your credit card wherever you go, you should be in business. Also, of course, if you receive checks from either other businesses or personal checks, you are out of luck when it comes to cashing these in, since the only way to get money into your account is through a direct deposit. Therefore, you want to be sure virtually all of your money comes from direct deposit or bank transfers before going with a solely online bank. Should you go with one of these banks? That really depends on your individual needs. Yes, they will offer you the best rates, but at a price. The bottom line is, the bank should be just a temporary holding spot for your money until you find a better investment, and believe me, there are many available out there. While finding the best bank rates is nice, it really isn’t all that important, as you will only have your money in there for a short period of time. Published at:

Paid Surveys Forum – Should You Take Advice From A Paid Surveys Forum?

If you’re looking for a good website to get paid survey leads from, I don’t recommend using a paid surveys forum. Usually, the scam sites have infiltrated them and filled them with propaganda that tells you to go to their site to make the most money. As a seasoned paid survey professional, I know first hand how alluring the promises of work from home riches can be. Unfortunately, you’ll never become filthy rich just by filling out paid online surveys. You can, however, make a decent living if you go about it the right way. First and foremost, avoid the paid surveys forum. You can’t trust what the people who post have to say. Second, you have to do your homework. Look through websites, try and find success stories or testimonials from satisfied members who have actually gotten paychecks. I have used the same sites for years, so I’m not really aware of the new ones that may have popped up since I first started looking. The sites that I use are awesome and I highly recommend taking a look at them to see what you should be looking for in a paid survey site. With these sites, I consistently make around $3,500 each month. The most important thing to note is that these sites don’t require monthly membership fees. That’s a great way to spot a scam website, by the way. If a site claims to give you access to lists of paid surveys in exchange for your credit card numbers and automatic withdrawals from your bank account each month for membership fees, run in the other direction. Trustworthy sites only make you pay a one time membership fee. Next, if you find one that you’re satisfied with tell people about it. Scam sites don’t have to keep ripping people off, if everyone in the industry looks out for one another eventually they’ll be put out of business! Published at:

Standard Bank Overdraft Charges and Standard Bank Checking Accounts

The banks are going to get their deserved fate all the rest of this year, as the president’s consumer-friendly laws start to clamp down on all the financial service providers in our lives. It makes you wonder why did Bank of America give in and yield willingly in a profitable areas as a way of dipping into your account – overdraft fees. The bank recently announced that it was doing away with it. At one time, if you didn’t have enough money in your bank checking account and you used your debit card shopping, and you didn’t have enough cash in your bank checking account, they would let you purchase it anyway, and then penalize your with fees for the overdraft. The way it stands not is, if you try to purchase an item without enough money in your account, you’ll just be turned down, no questions asked. This is bad news for Bank of America since overdraft fees account from debit cards rake in 60% of the fees. And that bank is the nation’s largest debit card issuer. This is going to cost them millions of dollars off its bottom line, and it’s to do the same for other banks too that will have to match these terms to stay competitive. You can still have an overdraft facility on your bank checking account if you choose; but it will be opt-in. If you happen to be at an ATM or a store checkout, and you’re being billed for more than you have, the machine will tell you that you can proceed, but at penalty of $35 in overdraft fees. For a fee, one can have overdraft protection for your bills or checks. Banks charge $35 dollars and more for penalty fees, if you went over even two dollars more than you had. For the banks, it’s a windfall – if they put out money on a formal loan, they wouldn’t make $35 off $2, now would they? 25 billion in overdraft fees was billed by the banks last year for overdrafts. This new practice is certainly going to hit them hard when it comes into effect on July 1. You know it hurts them, because they’re advertising so hard to get you to opt in for their overdraft services. Are the banks the bad guys? Let’s look at both sides of the story. Some time ago I worked for a bank and felt bad because of the practices the bank foisted on its customers that I had to go along with. For instance, let’s say that a customer has $100 in her bank checking account. She first uses her debit card to spend $10 at Burger King, she then spends $50 to pay her cell phone bill, and then she spends $102 on gas for her car. That means that with the first two purchases, she was completely within her limits, and she should be charged a penalty only for the last purchase. What they’ll do at the bank though, is, they will charge her the $102 for gas first, so that it wipes out her account, they’ll charge her penalty for it, and then they’ll record the other two smaller expenses. That way, they get to charge for $35 penalties three times instead of just once, if they did it the right way. But in their defense, the banks argue that they’ve been pushed to such unfair extremes in their industry. Over the years they have been penalized by punishing consumer oriented laws. They say they’ve been regulated and taxed big time for decades, and they have no choice but to do what they can to claw their way back into making a profit. Another great source of fees for financial institutions is the extra markups on personal checks given when customers order designer checks. Banks do markup these checks by fifty percent or even more since they purchase them from a 3rd party source. By ordering direct and using designer checks online one can save even more plus one gets to choose from a larger selection of designs. As such, these practices are not good; but they say that most of their rules are only to apply to people who overdraw. They say to those over-draftees, don’t overspend. Published at:

Tips For Using Bank of America Real Estate Buying Bank Owned Foreclosure List

The Bank of America real estate buying bank owned foreclosure list can be a dream come true for buyer’s scouting out discounted properties. Many buyers are interested in buying foreclosure homes because they are sold below market value. The BOA foreclosure list provides access to thousands of nationwide properties to help buyers locate the perfect piece of real estate. Bank of America real estate buying bank owned foreclosure list offers a wide variety of discounted properties. Buyers can browse listings to locate residential properties, commercial real estate, and vacant land; many of which are price well below current market value. BOA foreclosure real estate consists of single and multi-family homes, condominiums and townhomes, and manufactured and mobile homes. Commercial properties include apartment and condominium buildings, bed and breakfast facilities, office buildings, retail outlets, hotels and motels, land tracks, and industrial real estate. Buyers are frequently concerned that foreclosure properties will require time-consuming repairs which can add thousands to the purchase price. With careful research and property inspections, buying bank owned foreclosure homes is a relatively risk-free venture that can provide home buyers and real estate investors with great properties at affordable prices. Individuals can begin exploring discounted bank owned homes for sale via the Bank of America Real Estate Center website at Visitors will find a variety of real estate buying information and resources and have the option of submitting online loan applications to obtain preapproved financing; all from the comfort of home. The BOA real estate center allows buyers to compare home mortgage loans including: combination home mortgages, jumbo loans, interest-only, and FHA and VA loans. BOA also provides information about first time house buyer programs, Fannie Mae Home Path mortgages, and Neighborhood Champions Protected Mortgage; a program which offers special financing options to individuals employed in public service fields. The Bank of America real estate center helps visitors locate various types of property quickly and easily. Individuals can enter different search parameters such as number of bedrooms and baths, property location, and price range. BOA bank owned foreclosure real estate prices range from below $10,000 to over $10 million. The majority of foreclosure properties sold through Bank of America are listed through independent real estate agents. However, some properties are sold directly through BOA’s loss mitigation division. Each property listing includes listing agent contact information. Bank owned foreclosure properties are priced below market value and there is little room for price negotiation. Oftentimes, the only way to obtain reduced pricing is to provide a cash offer. When investors or home buyers purchase real estate with cash they eliminate the possibility of being denied financing and can expedite the closing process. Bank owned real estate can be profitable for investors. In today’s real estate market it has become common practice for investors to utilize bank foreclosure lists to locate discounted properties and maximize their return on investment. When investors and home buyers purchase bank owned homes in areas hit hard by foreclosure they should consider applying for HUDs Neighborhood Stabilization Program grants. Individual buyers can apply for one grant, while investors can apply for up to five NSP grants. NSP grant money can be used to satisfy down payment requirements or to rehab the property. Program details are available at Buying real estate through the Bank of America bank owned foreclosure list gives borrowers the opportunity to purchase homes at discounted prices and can open the door to obtain grant money or special financing options. Those who take time to research available options for buying bank owned real estate can save money and earn a good return on investment. Published at:

How to Build a Big Forum – Forum Building Secrets of the Pros!

How do you build a successful discussion board? Let’s take a look! Welcome to the first in a series of articles focused on helping forum operators build bigger, better forums. In this series we’ll provide a few practical, simple suggestions for growing your member base, keeping members engaged and designing your discussion board for longevity. To that end, we’ve put together a collection of tips, tactics and best practices to help you generate a self sustaining community as quickly as possible. While many of the observations presented here may appear to be common sense, they’re often not put into practice by even the most experienced forum operators. Whatever your motivations for creating an online discussion forum, keep in mind that building and maintaining a base of engaged members is the key to a healthy, lasting forum community. For most successful forum owners, the formula to achieve that goal boils down to two simple practices; regular engagement and the consistent application of sound management principles. Like the old saying suggests, “A good beginning makes a good ending.” With that said, let’s review some basic suggestions for setting up your new discussion board; *First, and foremost, choose your software and hosting solution carefully. Setup simplicity, cost, technical support, reliability, ease of maintenance, and a top quality feature set should be your biggest concerns. Selecting the right platform is crucial to having an enjoyable forum experience and building a stable foundation for your community. *Next, pick a unique name and URL for your discussion board and consistently work on branding it. Be sure to choose a name that reflects the theme and personality of your forum. *Make your forum visually attractive. Newcomers will always be more willing to investigate and engage with your community if the visuals are appealing. Choose a good theme and make sure your forum is easy to read with a complimentary color scheme. Remember, you only get one chance to make a first impression. *Resist the urge to create a lot of topic categories until they’re necessary or members request them. When visitors see a discussion board with a huge list of categories it can be daunting and discourage them from participating. Also, too many categories can dilute thread and post counts, making the the forum seem less active. *Be sure to include a general chat or off-topic category within your board. While the focus of your forum might be about collecting teapots or your favorite sports team, community members should be able to talk with each other about pretty much whatever they want. *Don’t demand registration until you have a solid and growing member base. Also, always make sure your topics are viewable by guests. Most people will leave right away if they can’t review the topics your members are currently talking about. Now, once you’ve set up your new discussion board and have opened the doors for business, there are a few other suggestions you may want to consider with regard to content and conduct; *When deciding on the main topic of your forum, try to promote a unique perspective. Otherwise, if there are huge numbers of sites already talking about the same thing, attracting visitors and future members could be a challenge. *Generating some interesting content should be the first order of the day. Be sure to invite friends and acquaintances to drop in and post. Also, if you own other content rich sites with a similar theme like a blog, website, Facebook page or Twitter account, consider re-posting interesting snippets from those sources. *Forward site traffic. Use your existing website traffic to drive engagement to your forum. Traffic from your other website(s), blog or social media channels could prove to be valuable sources of new forum members. *Respond to member posts as often as you can. Acknowledging contributions from new and existing members is always appreciated and really helps to build loyalty and engagement. *Be visible to your community. Even if you’re not the most knowledgeable person in your forum, interact with members and post often. Also, private message (PM) and/or email members quickly when they have a question or issue that you can help with. *Be friendly. As the site administrator, you set the tone. Whenever possible, try to show your community warmth, friendliness and a genuine aura of caring. Maintaining an inviting environment is crucial to the success of your forum. Now that you’ve deployed all the recommended “best practices” for setting up and launching your new forum, it’s time for the real fun to begin. Invite friends and acquaintances to come by your forum and begin the conversation. As your discussion board’s membership and content grows, so will your enjoyment. Stay tuned for our next installment in this series on building a successful, self sustaining forum where we’ll discuss more advanced tips, tactics and strategies. ProBoards is the largest host of free discussion forums on the Internet. See why forum enthusiasts around the world, from beginners to experts, choose ProBoards as their forum solution: Visit us at and create your free discussion forum today! Published at: