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Brides and Bloating - Prevent bloating before your wedding day
Your big day is just two weeks away and with your crazy schedule
at work and at home and the fact that you've been eating poorly
and are all stressed out it suddenly occurs to you..."what if I
retain water and end up all bloated and feeling like...
Marking Time
"Time is an equal opportunity employer. Each human being has exactly the same number of hours and minutes every day. Rich people can't buy more hours. Scientists can't invent new minutes. And you can't save time to spend it on another day. Even...
Pearl Jewelry: The Epitome of Elegant Simplicity
Pearl jewelry catches attention because of its uncomplicated and serene elegance. It may seem like an oxymoron, but sometimes the simplest things are the ones that are the most attractive. A look at a simple pearl earring, a representative example...
Pubic Hair Shave Fashion - What's Hot?
Pubic hair shave is not a taboo any more. It seems like all
women are shaving pubic hair. It is not an unusual phenomenon
which is attributed only to models and athletes any more. Find
out why pubic hair shave is so popular and what the hot...
Well, Well, You're Having Twins! 11 Top Tips on Working With Newborn Twins
Well, Well - You're Having Twins!
11 Top Tips On Working With Newborn Twins
"Twins, it can't be! No one on either side of my husband's or my family can remember anyone having twins." I guess my words didn't matter much because when I heard I...
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Learn How to Bank Like a Banker
The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it's time to do some competitive shopping.
Before becoming furious with your bank, it may be that the products you're using no longer meet your personal needs. If you have an established relationship with your bank, inquire about the other types of lower-cost checking and savings account products.
By understanding the rationale of why a bank charges fees for different services will allow you to be a savvy banking customer. If human contact is required to serve you, such as a teller or personal banker, this is very expensive for the bank. The incentive is for banks to encourage more high-tech, "low-touch" methods of meeting your needs. This is accomplished by servicing as many customers as possible with automated telephone services, cash machines, and online self-service banking.
Since the bank needs to train their employees, provide a paycheck and benefits, pay for the branch building, in some cases supply uniforms etc., it is conceivable that your one banking transaction per pay period could cost the bank $3 or more for your one banking transaction.
If you conduct your banking via an automated telephone system, the cost of this type of transaction is much less expensive. However, if you then require assistance from a telephone banker, the price goes from $1 for the automated process to as much as $2 for human contact. For the same reasons stated above, the training, location, computer equipment, etc. become more expensive when human interaction is needed.
Now it is clear why electronic banking methods are preferred by financial institutions. In fact, most banks are rewarding their customers with lower fees the
more the customer does his/her banking electronically. For example, even though Automatic Teller Machines (ATMs) costs the bank around $100,000 each plus the cost of the computer network and maintenance, the cost of these type of transactions drop to $0.50 - $1 each. Not only are these machines more cost effective, the 24-hour availability to customers is very convenient.
With the ease and convenience of Automatic Clearing House (ACH) payments, this "checkless" process drops the price to around $0.25 each. And finally, the Internet drops the expense even further to less than $0.10 a transaction. I realize that there is still some fear of banking electronically, but the security that banks have instilled with computer technology far surpasses the current security of traditional banking methods. If you lose your checkbook and wallet, the cost and worry of canceling these checks is very tedious. It's very possible that a thief could forge your name and deplete your accounts in a matter of hours. The sophisticated computer technology, however, although not perfect, has a far more secure system to protect you and your money.
Avoid being the bank's best customer. Attempt to cut your annual bank fees in half by educating yourself. Inquire about the options and products available to you with your banker. By asking about the alternative banking methods, you may find that your bank fees will drop considerably.
Kimberly A. Griffiths
This is an excerpt from ONE PAYCHECK AT A TIME, OnePaycheckataTime.com, by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet.
kimberlygriffiths@onepaycheckatatime.com
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fashion net - the guide to all things chic |
Directory of selected chic fashion, art, luxury, shopping, and work sites. [English and Japanese] |
www.fashion.net |
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Fashion TV - HOME |
International TV channel dedicated to fashion, broadcasts 24 hours a day on satellites and cable systems. Site features programs and lots of info on fashion ... |
www.ftv.com |
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Style.com: the online home of Vogue and W; Fashion, Fashion Shows ... |
Portal of Vogue and W magazines. Detailed coverage of designer runway collections and style news with a list of job opportunities and links to other Condé ... |
www.style.com |
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Vogue Articles, Features, and More on Style.com |
Magazine features and articles, fashion show coverage, celebrity style, fashion trend reports, party and award show coverage, shopping guides, and more. ... |
www.style.com |
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Fashion for women -- fashion designers, latest trends, fashion tips |
Fashion for women: a comprehensive guide to everything about women's fashion including current fashion trends, information about fashion designers, ... |
fashion.about.com |
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Fashion & Style - New York Times |
Fashion & Style · Dining & Wine · Home & Garden · Weddings & Celebrations · Travel · Jobs · Real Estate · Autos · Comedy on the Hot Seat. By ALLEN SALKIN ... |
www.nytimes.com |
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Fashion - Wikipedia, the free encyclopedia |
The term "fashion" is frequently used in a positive sense, as a synonym for ... In this sense, fashions are a sort of communal art, through which a culture ... |
en.wikipedia.org |
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fashionoffice.org : trends in fashion - Europe . America . Asia |
fashion magazine - international trends in fashion, style, design, photo, film, art, beauty. catwalk TV, shows, photo stories from New York, Paris, London, ... |
www.fashion.at |
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Fashion, from the concrete to the catwalk | fuk.co.uk |
London designer interviews and runway archive, photo shoots, street style, weekly updated news and a fashion clinic. |
www.fuk.co.uk |
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FASHION Magazine |
The web component of Canada's general fashion title, with fashion, beauty, gift ideas and online competitions. |
www.fashionmagazine.ca |
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Telegraph | Fashion |
Fashion Director Hilary Alexander looks at an expanding market. ... Fashion 'Oscar' winner Giles Deacon is to join luxury label Daks, reveals Hilary ... |
www.telegraph.co.uk |
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Telegraph | Fashion |
Fashion 'Oscar' winner Giles Deacon is to join luxury label Daks, ... Buying vintage is more than a fashion trend, it's a good investment says Maria ... |
www.telegraph.co.uk |
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Fashion Jobs | Fashion Jobs at 24 Seven Inc. |
We're 24 Seven Inc., the number one source of fashion jobs and talent for the ... Our success at connecting the right people with the right fashion jobs has ... |
www.fashion-jobs.biz |
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Fashion History Costume Trends and Eras, Trends Victorians - Haute ... |
Pauline Weston Thomas and Guy Thomas place costume alongside the social history of an era, focusing on fashion from 1800. Includes undergarments, haute ... |
www.fashion-era.com |
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Fashion Planet: Summer |
New York-based site looks at collections, trends, personalities and global lifestyles with monthly updates. |
www.fashion-planet.com |
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New York Fashion -- New York Magazine - Designers, Fashion ... |
Fall Fashion. rachel weisz The Sexes Get Dressed. For her? ... Spring 2007 Fashion. philosophy and versace European Shows. The best of the big collections. ... |
nymag.com |
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New York Fashion -- New York Magazine - Designers, Fashion ... |
The recently maligned country struts its stuff at a fashion show in Manhattan. ... Fall Fashion. rachel weisz The Sexes Get Dressed. For her? ... |
nymag.com |
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Fashion Icon |
Features latest trends, dressing tips, an ask the fashion experts column, and fun craft projects. |
www.fashion-icon.com |
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Fashion News on Yahoo! News |
Cameron Diaz, Kate Winslet Shine at "The Holiday" Premiere Fashion Wire Daily ... JAKARTA (Reuters) - Mention the words Islamic and fashion and most people ... |
news.yahoo.com |
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Hint Fashion Magazine |
Hint Fashion Magazine, featuring fashion news, model pages, photo shoots, designer interviews, beauty reports, party pictures and message boards. |
www.hintmag.com |
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