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401K and IRA Rollover Accounts

An Individual Retirement Account is a particular type of retirement plan bank account that was first created in 1974, when the Employee Retirement Income Security Act (known as ERISA) was passed.
ERISA was a huge bill of tax and labor law that encompassed regulations for everything from pension and retirement plans to health care plans and the taxes associated with all of those things. The act established minimum standards for pension plans, rules for the administration of such plans, and appropriate standards of conduct for people who are in charge of administering such plans. The act is very clear on the fiduciary duty held by such administrators, so that the best interests of the employees, or the beneficiaries of the plan, are always the goal.

The ERISA laws were enacted after several large companies – most notably the Studebaker car manufacturing company – went out of business and could not (or at any rate, did not) live up to the agreements they had made with their employees in regards to pensions. Studebaker eventually gave only those employees who were over age 60 their full pensions, with all other employees getting either a tiny portion of what they had earned or nothing at all. Understandably, this and other failures of companies to live up to their obligations to provide pensions to their employees, caused an uproar in the labor community. Unions were adamant that something had to be done, and since in the early 1970’s there were nearly 20 million Americans who were union members, they had a strong voice and were a force to be reckoned with. They lobbied for laws to be enacted that would enable workers to be confident that their retirement plans would be there when they retired, and could not disappear at the whim of an employer. Their demands resulted in the creation of the ERISA act, and ever since, people have been putting money away and managing their IRA accounts in the sure knowledge that by doing so, they will have at least something put by when they retire. The original plan has been changed quite a bit since 1974, with the Reagan administration watering it down in the 1980s and other changes being made since then. Today’s IRAs are subject to different rules than those of the 1970s, but they are still widely used, with around a quarter of Americans participating in the plan. IRAs are typically used by workers who do not have an employee plan through their workplace, or who are not confident that a workplace plan will be enough to live on when they retire.

An Individual Retirement Account, or IRA, is just one of a group of retirement plans that all fall under the heading of Individual Retirement Arrangements, or IRAs. If this seems confusing, it’s probably because it is. The accounts that fall under this general heading of Individual Retirement Arrangements are things like the Roth IRA, the Traditional IRA, myRA, SEP IRA, Rollover IRA, Simple IRA, and Conduit IRA. Each of these accounts have a common basis, but cater to different needs for the worker. Many banks or financial institutions will advertise “Self-Directed” IRAs, but the term is redundant because the basis of an IRA is that it is self-directed. They all are.

The original Traditional IRA allowed workers to contribute a set amount each year to their IRA, and that money was not taxed until it was withdrawn from the account. There are many different rules pertaining to the money that is invested, and different taxation laws that must be taken into consideration when an investor is deciding what to do with their IRA funds, and it is necessary to learn as much as possible about IRAs and how they work so that, as an investor, you can make good decisions regarding your funds. The IRS website is a good source of information about IRAs and with some careful reading, you can learn all you need to know to manage your money in the best way possible. There are many other websites that will give you good information, but the IRS site will give you the current tax rules, whereas another website may not.

One of the most common types of IRA is the Rollover IRA. These are IRAs that allow you to take your retirement plan from your job (usually a 401K) and roll it over into an individual retirement account without having to pay the taxes on that money (if you just took the money out of the 401K and put it into a regular savings account you would have to pay the taxes on that money, which often add up to a significant amount, as well as penalties for removing the money before the agreed time) in effect, protecting the money and the tax savings by moving the money without causing it to be classed as taxable income. Some people say that Rollover IRAs have essentially become obsolete under current tax law, but there are still many IRA plans that only accept funds from Rollover IRAs or Conduit IRAs, so it is important to understand the rules before moving your money.

When you are employed, your employer manages your retirement plan, which is usually called a 401K, but when you leave that employer, you will need to make decisions regarding what to do with the money that is in your 401K. If you just withdrew the money, you would immediately be required to pay both federal and state taxes on it, as well as penalties for withdrawing it early. If you want to avoid these penalties, there are ways to transfer the money without incurring those charges. If you follow the rules, you can roll the money over into an IRA without it costing you a lot of money. You will need to make sure that you deposit the money into your IRA within 60 days of removing it from the 401K. If you use a direct rollover method when you withdraw the money from your 401K, the check can actually be made out to the institution where it will be deposited in the IRA. This allows you to skip the step that says you must take 20% of that money for federal taxes and send it to the IRS immediately, and it means that you will not be charged taxes or penalties on that 20% when you put the remainder into an IRA.

Timing is important with your IRA, as well. You will need to keep yourself up to date on the rules that apply to how often you can roll your money over, how often you can distribute assets from your retirement funds, and what each of those moves might cost you in terms of fees, penalties, and taxes. It is really important to be sure that you are abiding by the current rules, since the laws do change on a fairly regular basis.

Using the 60-day rule, you can, in effect, borrow from your IRA for a short time, but you must have the full amount of money to deposit in your IRA before the deadline, or you will be subject to the taxes and penalties, and that could cost you a huge chunk of your retirement savings.

You need to take into account that your retirement savings – either in a 401K or an IRA – may or may not be protected if you were to be sued, depending on the state you live in. People who have a lot of assets in their retirement plans may want to consider an umbrella insurance policy that can help provide coverage in the event of a lawsuit, to prevent their retirement plans from being depleted. Learn the rules in your state, and protect yourself accordingly.

Sometimes, using a rollover is not the best possible option for moving your money. If you want to change banks, you can just transfer your IRA from one bank to another. The money moves without you having to be physically involved in the transaction at all, and you do not have the 60-day rule to contend with. There is no check involved that could potentially be lost or accidentally destroyed, and the money is not subject to any penalties or taxes. In some circumstances, a direct transfer is a much wiser option than a rollover.

In some cases, you may want to roll your money from an IRA into a 401K – sometimes this is a good idea if you have started a new job and want to keep all of your retirement funds in one spot. Not all plans will accommodate this, though, so you will need to check with the plan administrator to see if it is possible, and do your research to find out if it is financially viable or if there will be penalties or fees that will need to be paid. some types of savings plans are not eligible to be rolled over into an IRA, such as RMDs and nontaxable savings.

The best thing you can do when managing your IRA is to put in the effort to know the rules, and make sure you know where your money is and what it is doing at all times. Never be afraid to ask questions of a financial advisor, but be careful about simply taking their word for everything. If you are in doubt, check out the IRS website and read the rules for yourself.

Your Credit Rating

A credit rating is different from a credit score in that credit ratings are generally applied to large entities such as countries or corporations, while credit scored are assigned to individuals. A credit rating is a complicated set of calculations that determine the entity’s likelihood of being able to pay its debts in the future.

Credit Report
The criteria used to determine the credit rating of a country (which is called a sovereign credit rating) include the political atmosphere in the country, its economic prosperity – or lack thereof – and its general stability. If a country has a stable government and has a growing economy, its credit rating will generally be good. A country that has a lot of internal strife or any form of instability at all will receive a lower rating due to the possibility of regime change and the new regime not honoring the debts incurred by the previous government. Likewise, a country with a shaky economy will not be considered a good credit risk due to the possibility that they will not be able to generate enough income to service their debts.

When credit ratings are applied to corporations, they are generally given a rating according to not only their financial history, but also on a critique of the company itself. The credit rating agencies, such as Standard & Poor, rate the corporation much as they would a country, state, or city. They use a wide variety of criteria to assess the probability of that entity being able to repay debts. The system is highly complex, and a credit rating can change quickly if events inside the corporation have changed major components of the corporation’s operations. This type of change can be disruptive and can make the rating agency much more cautious about giving it a high rating.

Today, the country with the highest credit rating is Norway, because it has a combination of stable

Credit Scores and What They Mean

Credit Report

It is surprising how few of us know what our credit score is, how it is calculated, or how we can improve it, especially considering how many aspects of our lives are affected by our credit scores.
The purpose of your credit score is to give any potential lenders (or indeed, anyone who is considering trusting you in a financial relationship) an idea of how trustworthy you are in financial terms. This system works reasonably well, and allows for an easy way of judging whether or not someone is a good credit risk.

The three main credit scoring companies – Equifax, Transunion, and Experian – each have their own scoring system, plus there are several other sources of credit scores, the most widely known one being FICO, which uses information from all three of the main credit reporting agencies. There are also several smaller companies that have their own scoring systems.

With this in mind, the first thing you must do when looking at your credit score is to determine where it came from. Once you have done that, you can look up that company’s scoring criteria, and get an accurate picture of how good (or bad) your credit score is. The FICO score uses a fixed set of components that together make your credit score, although the exact formula they use is not public knowledge. In general, however, they divide your financial information into sections: your payment history is worth 35% of your score, your total debt is worth 30%, the length of time you have had a credit history is worth 15%, the kinds of credit that you have used is worth 10%, and the final 10% is based on your recent history of credit searches. Your final score will be a number between 300 and 850, which is the classic FICO score, although there are many other scores that you could get, depending on what type of credit search is done on you.

Your Credit Report

For most people, their credit score is something that they only think about when they are applying for a loan or credit of some type and they suddenly realize that they don’t know what their credit score is.

They realize that they don’t even know if it will prevent them from getting the financial help that they need and are asking for.Many people do not realize the importance of their credit score, but it can influence everything about financing and a surprising number of other things in our lives.It can affect their ability to borrow money or obtain credit cards, obviously. It can also influence the interest rate that they are offered if they do qualify for a loan. The surprise is in the other things that can be affected by your credit score – things like getting a cellphone, getting a utility account (electricity or natural gas, for example), getting life insurance or home insurance, or even renting a place to live. The things that can be affected by the strength of your credit score are many now, and will be even more in the future.
Credit Report
That is why it is important to understand what your credit score is, what affects it both positively and negatively, and how to keep your credit score as healthy as possible.

The first step in learning about your credit score is to get your credit report. You can do this by asking for a free credit report from one of the companies that keeps track of everyone’s credit scores. The three largest companies involved are Equifax, Experian, and Trans-Union. There are other companies that also compile credit scores, but those are the three largest. You are entitled to receive one free credit report in any twelve-month period through Annualcreditreport.com. You must understand, however, that you can get your report at no charge, but you cannot get your credit score without paying. You can order your credit score as an add-on when you request your free credit report, but you must pay a fee for it. These are the rules in the United States – for those in other countries you will need to do some research to find out what the rules are in your country. You should always order a free credit report from each of the three main reporting companies, because they may not all have the same information on them.

Once you get your credit report, the first thing you should do is make sure your name, address, and all other identifying information is correct. If there are errors, or information that is questionable, it can sometimes be caused by simple errors, but can also be caused by something more serious, such as identity theft. It is best to check with the reporting company if you have questions about your identifying information. Next comes the financial information. Carefully check each block of information and make sure it is accurate. For example, the credit report will detail every loan, utility account, telephone account, credit card, and mortgage that you have, and will state the name of the bank or company that you deal with, your account number with that institution, the type of credit that you have with the company, when you opened that account, the monthly payment if there is one, the current balance of the account, the terms of the loan, if applicable, the credit limit, what amount, if any, is overdue on the account, and any other information that is pertinent to that account.

It is important to check each item of information and make sure that it is accurate. It is the responsibility of the lender or the company that has extended credit to report all the pertinent information to the credit agency. Ideally, this would always happen accurately and in a timely manner, but mistakes do happen. The important thing is to identify these mistakes and have them corrected before they negatively affect your life. If you do find an error in your credit report and want that error corrected, you must contact the credit reporting company in writing and tell them what information is not accurate. You will need to provide supporting documentation (copies of receipts for bill that have been paid, copies of bank records, or whatever you have) that can prove that an error has been made. You can include a copy of your credit report with the offending item(s) circled or highlighted, so that it is immediately clear which item(s) you are disputing. The credit reporting company is required by law to investigate your complaint, and in most states there is a 30 day time limit for them to take action. They must forward all of the information that you sent them to the company that gave them the wrong information, as well. This company must review the information and check their records, and if there has been an error, then they must notify all three of the largest credit reporting companies and ask to have the information corrected in your file. Remember that the credit reporting company must send you the results of the investigation in writing, and if there was a mistake in your file and the file then had to be corrected, you are also entitled to another free copy of your credit report that shows the correct information.

Another thing that you must check for in your credit report is identity theft. Make sure that every account and loan detailed on your credit report is indeed yours. There are far too many instances of identity theft that go unnoticed and unreported because the victim has no way of knowing what has happened. Getting your free credit report once a year can allow you to make sure that you are not paying the price for someone else’s actions. If you do detect fraudulent activity in any of your financial accounts or in your credit report, besides taking steps to protect yourself and not end up paying for the crime, you must also put a fraud alert on your account with each of the three main credit reporting agencies. This will alert all of the agencies that you deal with that they must take extra steps to verify your identity before granting access to any of your accounts, and they must also keep a sharp eye out for any unusual or suspicious activity on any of your accounts.

Your credit report will include information that is not strictly financial, but would impact your financial dealings, such as if you have been sued, if you have a tax lien, or if you have a criminal record. It also shows if you have filed for bankruptcy. All of these pieces of information can have a negative effect on any financial dealings where your credit report is checked, and if the information is true, there is no way for you to have those items removed from your credit report. The only thing that will erase these detrimental facts is time. Your basic financial information is only kept for seven years, as is information about a lawsuit against you or any kind of legal judgement against you. If you have filed for bankruptcy, that information will appear on your credit report for 10 years. Any tax liens that have not been paid in full will continue to appear on your credit report for 15 years. You should keep track of the time, as well, so that if the information is not promptly removed from your credit report when the deadline has passed, you can contact the credit reporting agency and report the error. Equifax, Experian, and Trans-Union will all need to be contacted, so that you can be sure the information is truly gone from your reports, no matter what source is used.

If you choose to pay the fee and get your credit score at the same time as your credit report, you will be able to see how the information on the credit report is reflected by the credit score. The higher your credit score, the more likely you are to be offered credit, while a lower score could result in refusal of credit or other services.

There are many good resources for learning how to read and interpret credit reports, what your credit score means, and what the laws are that govern credit reporting and associated services, and it is a good idea to access these resources and learn as much as you can about the rules that apply to you, so that you can make the best possible financial decisions in the future.

One of the subjects that is not taught in schools is financial literacy, and that omission leads to a world full of people who do not have enough education about money management to guard against money mistakes.

That is the reason so many people have so many financial problems when it comes to credit and how it works. One of the best things you can do for yourself and your family is to take a course on basic money management at a local college, and make sure that your children take that same kind of course before they get their first credit card or loan. If the general population was better educated when it came to managing their money, many of the scams that fool us into spending our money foolishly would not work, and we would save ourselves a lot of aggravation, as well as money.

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Online Banking Sicherheit


Die ganze Welt ist jetzt an Online-Banking teilnehmen, was bedeutet, dass wir alle vertrauen unseren privaten finanziellen Informationen und den Zugang zu allen unseren finanziellen Vermögenswerte zu den Bankensystems Online-Sicherheit Fähigkeiten. Dies kann eine erschreckende Perspektive sein, wenn man bedenkt, wie viele große Datenverletzungen in den letzten Jahren aufgrund der Aktionen von Hackern aufgetreten sind, ob staatlich geförderte oder kriminell motivierte.

Die Banken investieren jedes Jahr Millionen von Dollar, um ihre Sicherheitssysteme ständig zu ergänzen, zu aktualisieren und zu testen, weil dies nicht möglich wäre, eine Katastrophe für jede Bank zu buchstabieren. Wie viele von uns würden interessiert sein, Banking mit einem Unternehmen, das unsere Daten (und damit unsere Privatsphäre, und möglicherweise unser Geld) aus irgendeinem Grund beeinträchtigt werden konnte?

Seit 2010 haben Hacker über 112 Milliarden Dollar gestohlen, und sie stoppen nicht. Dies ist trotz der Bemühungen der Banken und ihrer Sicherheitsexperten, den Diebstahl von Informationen und Geld zu stoppen. Die Kriminellen schaffen dies durch Betrug, durch Hacking in vermeintlich “sichere” Websites, und durch Dumming leichtgläubige Menschen zu offenbaren ihre Private Banking Informationen an Diebe.

Die Banken nutzen immer mehr anspruchsvolle Technologie, um Hacker zu vereiteln und die Sicherheit ihrer Kunden sicherzustellen. Die üblichen Maßnahmen wie Firewalls, Virenschutzprogramme, Verschlüsselungssoftware und Betrugserkennungssysteme werden im Laufe der Zeit immer anspruchsvoller, aber auch die Methoden, mit denen die Hacker diese Schutzmaßnahmen umgehen. In den letzten Jahren haben Banken auf solche Dinge zurückgegriffen, wie die Einstellung ihrer eigenen “ethischen Hacker”, um ihre Sicherheitssysteme zu untersuchen, um zu versuchen, mögliche Lücken im System zu finden, die Hacker zu bekommen könnte. Das Geld investiert in die Prüfung des Systems Kann gut bezahlt für eine Bank, die diese Lücken schließen kann und verhindern, dass Diebstahl auftreten.

Hochsichere Domain-Namen werden ebenfalls entwickelt, wie zB .bank-Adressen. Banken sind verpflichtet, bestimmte Sicherheitskriterien zu erfüllen, bevor sie einen .bank Domain-Namen erhalten, wodurch die Bezeichnung noch sicherer wird. Wenn die Bank dann diese hohen Sicherheitsstandards nicht beibehalten kann, kann sie den Domain-Namen verlieren und gezwungen sein, zu einer einfachen .com-Adresse zurückzukehren.

Es gibt Möglichkeiten, wie jeder von uns zur Sicherheitsstufe unserer Bankinformationen beitragen kann, wenn wir uns dafür entscheiden. Eine überraschende Anzahl von Menschen nicht zu tun, diese Dinge, und dann sind unangenehm überrascht, wenn ihre Konten sind gefährdet und sie verlieren Geld. Eines der wichtigsten Dinge, die ein Online-Banking-Kunden tun können, um Betrug zu verhindern ist, um sicherzustellen, dass sie nicht die Ausstrahlung ihrer Bank Informationen an alle und alle. Wir sollten alle wissen, besser als zu geben unsere Bankdaten über das Telefon, und wir sollten alle wissen, dass es noch gefährlicher, diese Informationen online auf eine Website, dass Sie nicht sicher sind sicher ist.

Kennwörter sind normalerweise der anfälligste Teil Ihrer Bankinformationen. Es ist eine intelligente Idee, Ihr Passwort regelmäßig zu ändern (wie alle 3 Monate) und nicht immer ein leicht zu erraten Passwort, wie “Passwort”. Erfahren Sie, was ein sicheres Passwort darstellt, und verwenden Sie immer ein, das so sicher ist, wie Sie es machen können. Nachdem Sie sich für Ihr Passwort entschieden haben, merken Sie es und schreiben Sie es nicht überall!

Achten Sie darauf, Anti-Virus-Software auf Ihrem Heimcomputer zu verwenden, und aktualisieren Sie Ihr System regelmäßig. Eine gute Anti-Virus-Programm kann sparen Sie eine riesige Menge an Schwierigkeiten, wie kann ein Heim-Wi-Fi-System, das private (wie in, nicht offen für die Öffentlichkeit) und sicher ist. Denken Sie immer daran, dass öffentliche Wi-Fi ist nicht unbedingt sicher, und Sie können Ihre Bankverbindung Informationen offener als Sie wissen. Eine andere Sache zu überprüfen, wenn bei der Anmeldung auf einer Seite, wo Ihre privaten Informationen übermittelt wird, ist die Website-Adresse. Suchen Sie nach dem kleinen Schloss Symbol in der Adresse, und überprüfen Sie, dass der Anfang der Adresse sagt https: (die “s” bedeutet, dass die Website sicher ist), anstatt nur http:.

Nutzen Sie alle Sicherheitsoptionen Ihrer Online-Bank. Wenn sie Ihnen die Möglichkeit geben, eine Ebene zu Ihrem Login hinzufügen, tun Sie es. Viele Banken können nach einem zusätzlichen Identifizierungsschritt fragen, wie beispielsweise einem Fingerabdruck oder einer Sicherheitsfrage, auf die nur Sie die Antwort wissen würden. Jeder zusätzliche Schritt, der benötigt wird, um Zugriff auf Ihre Bankkonten zu erhalten, ist eine weitere Schutzschicht für Ihr Geld. Profitieren Sie von dieser zusätzlichen Sicherheit, und lassen Sie sich nie locken zusätzliche Bequemlichkeit überzeugen Sie, die Sicherheitsmaßnahmen, die Sie zum Schutz Ihrer Bankkonten zu reduzieren.

Last, but not least, müssen wir alle auf die Möglichkeit, dass wir betrogen werden, wenn jemand bittet für uns zu überprüfen, unsere Login-Informationen oder Antwort invasive Fragen über das Telefon. Keine Bank wird Sie jemals anrufen und verlangen, dass Sie sichere Informationen über das Telefon an jemanden weitergeben, dessen Identität Sie nicht überprüfen können, und jeder, der Ihnen sagt, dass sie Ihnen Millionen von Dollars senden werden, sobald Sie ihnen Ihre Kontonummer angeben Ist durch ihre Zähne liegend und niemand mit einer Unze des gesunden Menschenverstandes sollte für solch eine eklatante Lüge fallen.

Am Ende, während wir auf unsere Banken verlassen können, um sichere Systeme zu setzen, um unser Geld zu schützen, gehört ein großer Teil der Verantwortung der Online-Banking-Sicherheit zum Kunden. Wenn wir alle schlau sind über unsere Sicherheitsmaßnahmen und die Anstrengungen machen, unsere eigene Sicherheit so gut wie möglich zu gewährleisten, dann werden wir viel erreichen, um Online-Sicherheit.



Die überwiegende Mehrheit der Bankkunden hat ein Girokonto, aber die meisten von uns haben eine große Schwierigkeit, den Betrag in diesem Girokonto regelmäßig hinzuzufügen. Wenn Sie auf die hochbezahlten Ökonomen hören, werden sie darauf bestehen, dass dies liegt daran, dass die von uns an der Unterseite der Einkommensleiter alle leben über unsere Mittel, und wir sind einfach die Wahl, unser Geld in einer Weise, die nicht mit sparen Für einen regnerischen Tag. Die Wirklichkeit ist etwas anders.

Im Jahr 1970 könnten Sie Ihr Geld in ein Girokonto und haben, dass Geld verdienen eine komfortable 5% Zinsen jedes Jahr. Dies gab Ihnen eine gute Rendite auf Ihr Geld, und fungierte als ein echter Anreiz, um Geld zu sparen. Die heutigen Zinssätze von weniger als 1% für die meisten Banken sind viel weniger ein Anreiz, und die Tatsache, dass der heutige Bankkunden hat weit weniger verfügbare Einkommen als der durchschnittliche Bankkunden hat im Jahr 1970 nicht helfen, die Dinge. Das heißt, es ist wichtig, dass jeder von uns versucht, mindestens ein wenig Geld weg für einen regnerischen Tag zu setzen, und ein Girokonto ist eine einfache, bequeme Weg, dies zu tun.

Es gibt viele verschiedene Arten von Sparkonten zur Auswahl, beginnend mit dem absoluten rock-bottom grundlegenden Girokonto, das Sie mit Ihrer lokalen Bank öffnen können. Es kann eine abgrundtiefe Zinssatz, aber es ist ein Ort, um zu halten, was Geld Sie verwalten, um jeden Zahltag zu speichern, und stoppen Sie von versehentlich verbringen Sie es, weil es in Ihrem Girokonto und verfügbar ist.

Die nächste Ebene der Sparkonten sind diejenigen, die eine Mindestbilanz erfordern, aber einen etwas höheren Zinssatz zahlen. Diese Konten sind ein großer Vorteil für diejenigen, die genug Geld haben, um sie lohnt sich, aber Sie müssen bedenken, dass einige Banken eine Gebühr erheben, wenn Ihr Gleichgewicht unter ein bestimmtes Niveau sinkt, und diese Gebühr ist oft das Äquivalent von zwei Jahren des Interesses Verdient, so dass das Konto nicht mehr rentabel.

Bei den meisten Banken, können Sie Entscheidungen auf, wie Sie planen, Ihr Girokonto verwenden und was Ihr Hauptziel ist beim Starten dieses Kontos. Wenn Sie Ihre Präferenzen angegeben haben, empfiehlt die Bank einen Kontotyp, der am besten zu Ihren Bedürfnissen passt und Sie können wählen, dieses Konto zu öffnen. Sie müssen sicherstellen, dass Sie sehr klar sind, über die Regeln für das Konto, das Sie gewählt haben, weil alle Banken sind, um Geld zu verdienen, und wenn Sie von den Regeln Ihres Kontos abweichen werden sie sicher sein, Ihnen die größten möglichen Gebühren, So dass Ihre Girokonto sofort unrentabel für Sie, aber ziemlich profitabel für sie. Sie müssen sehr vorsichtig sein bei der Auswahl eines Kontos, so dass Sie deutlich zu verstehen, was die Gebühren für dieses Konto verbunden sind, und wann und wie diese Gebühren angewendet werden. Nur dann können Sie vermeiden, Strafen für den Zugriff auf Ihr eigenes Geld zu vermeiden.

Viele Menschen wählen, um mehrere Sparkonten haben, um für mehrere Dinge auf einmal zu speichern. Diese Menschen haben oft einen Urlaub Girokonto, ein anderes Konto, damit sie für eine Anzahlung auf ein Haus zu speichern, noch ein Konto für unerwartete Ausgaben zu speichern, und möglicherweise sogar eine, die sie für einen bestimmten Kauf zu speichern erlaubt Als ein Auto oder ein Hauptgerät. Es ist einfach, mehrere Konten einzurichten und diese klar zu kennzeichnen, damit Sie den Überblick darüber haben, wie viel Sie für welchen Zweck gespeichert haben. Wenn die Konten getrennt auf diese Weise getrennt werden, ist eine bessere Verwaltung der einzelnen Konten möglich, obwohl die Kombination aller Konten Ihre gesamte Anzahlung über einen bestimmten Schwellenwert festlegen kann, wenn der angebotene Zinssatz höher ist als die Konten im unteren Kontostand. Aus diesem Grund kann die Kombination der Konten finanziell sinnvoll sein.

In der heutigen Online-Banking-Welt, zahlt es manchmal zu untersuchen, Banken, die keine tatsächlichen Bankgebäuden haben, wenn Sie suchen, um den Zinssatz auf Ihre Ersparnisse zu maximieren. Banken, die ausschließlich online haben niedrigere Overhead-Kosten und können daher leisten, höhere Zinsen zahlen. Es ist jedoch sehr wichtig, dass Sie die Vertrauenswürdigkeit der Bank gründlich erforschen, bevor Sie Ihr Geld an Sie weitergeben, da es heutzutage weniger als ehrliche Unternehmen gibt.

Ein guter Gebrauch für ein Girokonto ist, ein Kind oder jugendlich zu unterrichten, wie man Geld spart. Putting die Hälfte der Zulage oder die Hälfte der Löhne verdient aus einem Teilzeitjob in Ihrem Girokonto kann in einem Kind eine lebenslange Gewohnheit, Geld zu sparen, und kann lehren, den Wert der sorgfältigen Geld-Management, die eine echte Bereicherung sein kann Diese Person während ihres Lebens.
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Mobile Online Banking

Mobile Banking

The whole world is now participating in online banking, which means we all trust our private financial information and access to all of our financial assets to the banking system’s online security abilities. This can be a frightening prospect when you consider how many huge data breaches have occurred in recent years due to the actions of hackers, whether government sponsored or criminally motivated.

Banks invest millions of dollars every year into constantly adding to, updating, and testing their security systems, because failure to do so could spell disaster for any bank. How many of us would be interested in banking with a company that allowed our data (and therefore our privacy, and possibly our money) to be compromised for any reason?

Since 2010, hackers have stolen over $112 billion, and they are not stopping. This is in spite of the efforts by banks and their security experts to stop the theft of information and money. The criminals accomplish this through fraud, through hacking into supposedly “secure” websites, and through duping gullible people into revealing their private banking information to thieves.
Banks are using more and more sophisticated technology to thwart hackers and keep their customers’ information secure. The usual measures, such as firewalls, anti-virus programs, encryption software systems, and fraud detection systems are becoming more sophisticated as time goes on, but so are the methods that the hackers use to circumvent these protections. In the last few years, banks have resorted to such things as hiring their own “ethical hackers” to probe their security systems to try to find any possible gaps in the system that could allow hackers to get in. The money invested in testing the system can pay off handsomely for a bank that can close those gaps and prevent theft from occurring.

Banking on the Move

High-security domain names are also being developed, such as .bank addresses. Banks are required to meet certain security criteria before being granted a .bank domain name, thus making the designation more secure still. If the bank then fails to maintain those high security standards, it can lose the domain name and be forced to go back to a simple .com address.
There are ways in which each of us can contribute to the security level of our banking information if we choose to do so. A surprising number of people fail to do these things, though, and then are unpleasantly surprised when their accounts are compromised and they lose money. One of the most important things an online banking customer can do to prevent fraud is to make sure they are not broadcasting their banking information to all and sundry. We should all know better than to give out our banking information over the phone, and we should all be aware that it is even more dangerous to give that information out online to a website that you are not positive is safe.

Passwords are usually the most vulnerable part of your banking information. It is a smart idea to change your password on a regular basis (such as every 3 months) and do not ever use an easy-to-guess password, like “password”. Learn what constitutes a secure password, and always use one that is as secure as you can make it. After you have decided on your password, memorize it and do not write it down anywhere!

Make sure to use anti-virus software on you home computer, and update your system regularly. A good anti-virus program can save you a huge amount of trouble, as can a home wi-fi system that is private (as in, not open to the public) and secure. Always remember that public wi-fi is not necessarily secure, and you may be transmitting your banking information more openly than you are aware of. Another thing to check for when logging in to any page where your private information will be submitted is the website address. Look for the little lock symbol in the address, and check that the beginning of the address says https: (the “s” indicates that the website is secure) rather than just http:.

Take advantage of all the security options offered by your online bank. If they give you the option of adding a layer to your login, do it. Many banks can ask for an additional identification authentication step, such as a fingerprint or a security question that only you would know the answer to. Each additional step that is needed to obtain access to your bank accounts is one more layer of protection for your money. Take advantage of that extra security, and never let the lure of added convenience persuade you to reduce the security measures that you use to protect your bank accounts.

Last, but not least, we all need to be alert to the possibility that we are being scammed when someone is asking for us to verify our login information or answer invasive questions over the phone. No bank will ever call you and demand that you divulge secure information over the phone to someone whose identity you cannot verify, and anyone who is telling you that they are going to send you millions of dollars as soon as you give them your bank account number is lying through their teeth and nobody with an ounce of common sense should fall for such a blatant lie.
In the end, while we can rely on our banks to put in place secure systems to protect our money, a lot of the responsibility of online banking security belongs to the customer. If we are all smart about our security measures, and make the effort to ensure our own security as best we may, then we will accomplish a great deal towards online security.

Proteccion DE Sobregiro

Proteccion DE Sobregiro

Online Banking

La protección de sobregiro es una línea de crédito que se adjunta a su cuenta bancaria de forma que si se escribe un cheque por más hay en la cuenta, o hacer un gasto que es más que el saldo de la cuenta, el cheque o los gastos están cubiertos por el ir en “números negativos” en su cuenta. En esencia, le da la opción de gastar más de lo que tiene.

Al abrir una cuenta bancaria y le ofrecen protección contra sobregiros para ir con esa cuenta, es posible que dude en aceptarlo. La mayoría de las personas son conscientes de las dificultades de crédito fácil, y los descubiertos son el epítome de crédito fácil. Es tan fácil de hacer sólo una compra más, sabiendo que a pesar de que usted no tiene el dinero para pagar por ello, puede utilizar el dinero los bancos, sólo “temporal” y devolver el dinero el día de pago. El problema con esto es que, si lo hace que cada día de pago cuando ya vive en un presupuesto ajustado, se encuentra a sí mismo poco a poco se hunde hasta el fondo de su sobregiro y sólo salir de ella brevemente cada día de pago. Esta es una trampa en la que un gran número de personas caen en, y aporta una cantidad inesperadamente grande de los beneficios bancarios trimestrales debido a las tasas e intereses sobre ese dinero

La mayoría de los bancos cobran una tarifa por entrar en su sobregiro, y otra vez por cada vez que utilice su sobregiro, y dado que estas tasas promedio de cerca de $ 5.00 puede ser un hábito costoso de conseguir. Usando el sobregiro regularmente puede costar más de lo que cabría esperar, ya que las tasas de interés y los honorarios pueden suman a una gran cantidad de dinero cada mes si no se tiene cuidado.

Las tasas de interés de los descubiertos son por lo general más de los exigidos para las tarjetas de crédito o incluso los préstamos de emergencia, en torno al 21% por mes. Cuando se considera que los bancos de Estados Unidos hacen más de US $ 30 millones al año en los descubiertos, se puede ver lo caro que realmente son.

Si bien puede ser una buena cosa para tener la protección de sobregiro en el caso de que usted calcula mal en un pago o gasto, mediante su protección contra sobregiro como una cosa normal es una manera muy pobre para administrar sus finanzas. La manera más responsable fiscalmente de poseer un sobregiro es utilizar nunca la misma.

Las cuentas Bancarias Conjuntas

Las cuentas bancarias conjuntas

Online Banking

Cuentas bancarias conjuntas son las cuentas que tienen dos (o más) personas con pleno acceso y uso de la cuenta bancaria. En algunos tipos de cuentas de cada persona puede hacer retiros y depósitos sin el conocimiento o consentimiento de la otra parte involucrada, escribir cheques en la cuenta, y tomar decisiones autónomas en relación con el dinero en esa cuenta. Otras cuentas conjuntas están configurados de tal manera como para requerir que cada signo firmante para cada transacción.

Elegir si desea o no compartir una cuenta bancaria con alguien puede ser un poco intimidante. Puede ser una fuente constante de estrés marital si usted y su cónyuge no comparten actitudes similares hacia ganar, ahorrar y gastar dinero, y se puede tensar una relación más allá del punto de ruptura cuando una persona toma una decisión financiera pobres con el dinero que le pertenece a ambos. A los ojos de los socios, uno puede sentir más derecho a la remuneración que el otro, a fuerza de haber depositado en la cuenta más, pero legalmente no funciona de esa manera. En los ojos de la ley, no se hace ninguna diferencia que aportó más dinero a la cuenta, o que tomó más provecho. La ley dicta que ambas partes comparten por igual en los activos mantenidos en la cuenta.

Es posible que más de dos personas para compartir una cuenta bancaria, y en estas situaciones hay muchas opciones disponibles para regular el uso del dinero, como requerir firmas de todas las partes en cada transacción. Estos son conocidos como cuentas inquilinos-en-común.

Lo que sucede con el dinero en una cuenta conjunta cuando uno de los firmantes muere es algo que debe ser decidido cuando se abre la cuenta. Una cuenta en la que el dinero en la cuenta se divide en partes iguales entre los titulares de las cuentas que sobreviven se llama una tenencia conjunta con derecho de supervivencia, o cuenta JTWRS, en inglés.

Hay otras formas de configurar las cuentas conjuntas, y su banco probablemente tendrán muchas opciones diferentes para que usted considere. Piense con cuidado acerca de la mejor manera de establecer la cuenta, y buena suerte.

Cuentas de Ahorro para el Retiro

Cuentas de Ahorro para el Retiro

Online Banking

Todos nos preguntamos cómo vamos a gestionar para cuidar de nosotros mismos cuando ya no somos capaces de trabajar para vivir. Tenemos previsto para los días con la esperanza de que no sólo vamos a ser capaces de contar con una pensión de nuestro trabajo, sino que nuestro gobierno también nos va a devolver el dinero que hemos contribuido al plan de pensiones del gobierno durante nuestros años de trabajo. Y sin embargo … y sin embargo, todavía no sentimos bastante seguros. En la parte superior de las pensiones prometidas, casi todo el mundo hace un esfuerzo por salvar algo por su propia iniciativa de sus años de jubilación.

Si usted lo llama un RRSP en Canadá, o un IRA en los EE.UU., estamos poniendo nuestro dinero en un gran precio para que podamos vivir cómodamente cuando somos mayores. Hay una miríada de diferentes cuentas de ahorro, planes de inversión y asesores financieros todos compitiendo por nuestro dinero. El truco está en elegir lo que funciona mejor para usted.

Muchas personas optan por simplemente poner dinero en el banco todos los meses, pero las tasas de interés de hoy en día sobre el ahorro son tan bajos que su dinero está haciendo casi nada para ellos, ya que se acumula tan poco interés. La ventaja de una cuenta de ahorros simple es que el dinero está disponible en cualquier momento si lo necesita, y que hace una gran diferencia para algunas personas.

Canadá tiene la Cuenta de Ahorros de Impuestos gratuitos, o BTSA. Esta cuenta permite a los individuos para poner una cantidad limitada de dinero cada año y no pagan impuestos sobre el mismo. Esto ahorra algo de dinero para el individuo, pero ya que hay reglas muy estrictas que regulan el uso de BTSA de que no es inusual que las personas que han de evaluarse una penalización por demasiadas transacciones de la cuenta, u otras infracciones pequeñas, y dado que la sanción es a menudo mayor que los ahorros obtenidos mediante la cuenta, que no siempre son rentables.

El IRA estadounidense se ejecuta en principios similares, y un gran número de personas usan estas cuentas como sus planes de jubilación.

Todo lo que desea utilizar, hacer su tarea en primer lugar usted puede ahorrar mucho dinero en el futuro.


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