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Are Chat Rooms A Menace To Your Children?
My answer would be: yes, with qualifications.
I've been running internet chat rooms since 1998, at http://www.tigertom.com/chat_rooms.htm. Nothing fancy. The software was freely available. I just had to make some important...
The Bag Purse!
Women are so busy these days they need a bag purse to keep all the necessary items right within reach! The bag purse, or shoulder bag purse is a large sized purse. Its designs vary, but the common thread is their size. Bag purses are invaluable to...
TIPS ON CHOOSING SIZZLIN' SUMMER FASHIONS YOU WANT TO KNOW
Summer time allows even the grouchiest of individuals to shed
their dark feelings and enjoy the warmth and sunshine. If you
are planning your summer wardrobe, look to include brightly
colored, hot fashions that mimic the looks and feel of the...
Turquoise Necklace Facts And Beliefs
‘Pieces of sky.’ That’s how turquoise was called by some Native American tribes. Indeed, it requires no great stretch of the imagination to understand why turquoise was referred to as such. Just as the heavens could be a peaceful or stormy blue, so...
Wearing birkenstocks is like wearing no other pair of shoes!
Wearing birkenstock shoes is like wearing no other pair of shoes. Johann Adam Birkenstock was a shoemaker in Germany in the late 1700’s. The birkenstock shoe was designed with an understanding that a person’s shoes should reflect the shape of...
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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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