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Informative Articles

7 Keys to Better Relationships
Would you like to enhance the quality of your life and increase your personal happiness? If you answered "yes," the information in this article could change your life! Isn't it easy to get stuck in the everydayness of life? We can get so...

Are You Truly Thankful For Everything?
Thanksgiving is the time of year when we stop and are thankful for all our blessings. Of course, we should be thankful every day of the year. I want you to take a different look at Thanksgiving this year. You certainly can list all of your many...

Stop Making Unhappy Relationship Mistakes! Avoid Another Unhappy Relationship!
It is possible for women to steer clear of an unhappy relationship. However, it will require taking an honest look at themselves and their relationship mistakes. After repeating the same relationship mistakes over and over gain, women begin to...

The Informal Normal In A Black-Tie-Affair World
Have you noticed the trend? You ever notice how on programs like "The Bachelor" most of their dating episodes are via limousine escort? They travel to lavish destinations amid scenic splendor. The sunsets are so beautiful you can almost...

The Magic Of Gift Giving At Christmas
Regardless of age, almost everyone can remember at least a few magic moments of their past at Christmas time. Even in our fifties and sixties, we can still very precisely recall how our parents celebrated Christmas. Those moments will never be...

 
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


 

Relationships: Practical advice, information and friendly support ...
Information, answers, tips, advice and friendly support on everything to do with dating, relating, marriage, love and friendship issues.
www.ivillage.co.uk
 
Relationships Australia — Building stronger relationships which ...
Non-profit community based organisation providing professional services to support relationships.
www.relationships.com.au
 
BBC - Relationships
Getting the most out of your sexual relationships (Image: Couple kissing) ... Subscribe to our monthly BBC Health and Relationships newsletter ...
www.bbc.co.uk
 
Love & Sex: Love Advice for Singles and Couples at iVillage.com
Find love advice for any relationship, including dating etiquette and sex tips at ... Hot Topics & Real Advice · Experts · Singles & Dating · Relationship ...
love.ivillage.com
 
Go Ask Alice!: Relationships
relationship stuff. Healthy vs. unhealthy relationships · "True love"... Could it be true? ... Parents don't approve of interracial relationship ...
www.goaskalice.columbia.edu
 
Relationship - Wikipedia, the free encyclopedia
Look up relationship in Wiktionary, the free dictionary. Relationship may refer to: ... Retrieved from "http://en.wikipedia.org/wiki/Relationship" ...
en.wikipedia.org
 
Interpersonal relationship - Wikipedia, the free encyclopedia
Interpersonal relationships are social associations, connections, ... This type of interpersonal relationship also includes the comradeship of fellow ...
en.wikipedia.org
 
About - People & Relationships
About People & Relationships provides advice for every stage of your relationship from dating to marriage. And, when relationships hit the skids, ...
about.com
 
Relationships.com - Online Personals and Christian Dating for ...
Christian singles site for online Christian personals. Relationships.com is the leading site for Christian dating. Enjoy our chat, IM, photo galleries, ...
www.relationships.com
 
Teen Relationships Website!
Relationship chat and information for teens, by teens.
www.teenrelationships.org
 
Sex, Love and Relationships [HOME] - ChristianAnswers.Net
Learn how to make your love the best it can be. Christian answers to questions about sex, marriage, sexual addictions, and more.
www.christiananswers.net
 
Relationshipweb.com - First aid for relationships
Directory of relationship information. Contains links and forums.
www.relationshipweb.com
 
SCRS - Virtual Pamphlet Collection - Relationships
University of Texas at Austin; Keys to a Successful Marriage - University of Wisconsin -- Eau Claire; Making Friends - Massey University; On Relationships ...
counseling.uchicago.edu
 
Abusive Relationships
Abuse - physical, emotional, or sexual - has no place in love. Read this article to find out how to recognize the signs of abuse in yourself or a friend and ...
www.kidshealth.org
 
Relationship Advice Site Featuring Relationship Book Im Sorry
A relationship repair guide featuring forum, free ecards, postcards, and books.
www.relationshiprepair.net
 
Today: Relationships - MSNBC.com
Looking for love or having trouble in your relationship? "Today" contributor Dr. Gail Saltz offers help. In her weekly column she tackles some of the ...
www.msnbc.msn.com
 
Addictive Relationships--UIUC Counseling Center
It is often very hard to end a love relationship even when you know it is bad for you. ... It is in this sense that the relationships are "addictive." ...
www.couns.uiuc.edu
 
Relationships: See what people are saying right now on Technorati
See all blog posts tagged with relationships on Technorati.
www.technorati.com
 
Relationships in the Yahoo! Directory
Read articles on friendship, romance, dating, and marriage as well as incest, affairs, and divorce. Also take relationship quizzes and discover kissing ...
dir.yahoo.com
 
Relationships -- Beliefnet.com
Our relationships expert's "essential message" is that life is a journey to integrate the deep soul with the higher spirit. ...
www.beliefnet.com
 
 

 

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