Category Archives: Money and Bank

Understanding Bank Identity Theft

Whether you have a hundred dollars in the bank or a thousand dollars in the bank, there is nothing worse then an identity scam that drains your bank account of its funds. Bank identity theft is nothing new in crime but the trend seems to be growing at an alarming rate. Sadly, not too many people know how to protect themselves from bank identity theft and that could be why so many people are being taken advantage of.

Maybe if more people were to understand how to protect themselves, less people would be missing money out of their bank accounts. Something so simple such as allowing your computer to remember your online banking password is enough for bank identity theft to take place. It is never a good idea to let your computer remember or store any of your passwords because your computer always has a chance of being hacked into. .

If that happens, the first thing they are going to try to do is bank identity theft since that is the fastest way to your money. If you have trouble remembering your passwords simply write them down and store them in a safe place.

Other Things to Remember

A lot of people are able to get away with bank identity theft by taking a little amount of money at a time over a long period of time. If you are one of those people who have a hard time trying to remember to balance your checkbook, you may not find it odd that you are missing ten dollars here or twenty dollars there. By being proactive and logging all of your banking activities, you will have a much better chance at noticing a problem taking place.

Then, if you notice something odd, you can contact your bank and they can put a freeze on your account so it cannot be broken into any longer. Never leave your checkbook or debit card lying around because that gives people the chance to write down or copy your banking numbers. With the wonderful world of the Internet, a thief does not need to actual card or check to purchase things online.

All they need are the numbers for bank identity theft to work in their favor. Before you know it you will be completely out of money and they will all sorts of new things thanks to your lack of bank identity theft knowledge. So be careful and be proactive so that you never have to face such a situation in your life.

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Identifying Common Bank Owned Auctions Pitfalls

Houses that are sold through bank owned auctions can provide an investor or a regular homebuyer with a good deal; that is, if they knew what they are doing and are aware of the possible pitfalls commonly associated with such deals.

Potential Benefits to Buyers

Most property lenders or banks that auction off properties are more willing to offer them at fair market values, unlike when a home is sold as an REO property. Auctions are also clear on the closing date, which eliminates buyer worries regarding how much time they have until they can no longer bid on the property.

Majority of auctions also have due diligence provisions of comprehensive details on the house being sold. If the buyer has conducted his or her own research on the property, they can use these details to compare information and find out more about the property they are trying to purchase.

Auctions also eliminate the problem of worrying about unexpected competition after the deal has been sealed, even from bidders who can make better offers, since once the auction is done and the winning bidder has been announced, that bidder automatically owns the property.

The Not So Good Aspect of Auction

Homes under bank owned auctions are not exempted from problems of eviction. This means that it is also possible for an auctioned property to be still occupied by the former owners. Sometimes, former owners try to get back at their lenders by thrashing the place, effectively increasing the expenses of the buyer since he or she would need to take care of the repairs.

The winning bidder in an auction is also required to put down the money for the property in cashier’s check or in cash the moment he or she won the bidding war. For auction bidders, it is necessary to attend auction events armed with cash that is at least equivalent to the amount of bid that he or she is going to put down for a property.

There are some good things about buying properties at bank owned auctions, although there are also the usual problems. The best thing for a buyer to do is to research a property that he or she would like to bid on and to hire a professional agent to help in evaluating the worth of the house.

Steps to Owning Bank Foreclosure Properties

Owning bank foreclosure properties is a simple process which anyone can undertake without the help of agents or brokers. There are real deals to be made in buying one of these distressed properties as long as the buyer approaches the entire affair with diligence and caution.

The process for buying bank foreclosure properties begins with research. The best place to start is the Internet where there are multitudes of web sites providing listings and information on foreclosures. There are free sites that offer country-wide listings but they are highly susceptible to inaccuracies. Your best bet would be the web sites that charge for subscription. For a small investment you get access to all types of foreclosures all across the country as well as news and studies on the market. You can customize your search in these sites to yield only the properties that suit your needs and buying capability.

Once you have subscribed to a web service offering foreclosure listings and before selecting your main prospects, you need to prequalify for home financing first if you do plan to pay for your purchase in cash. You can go to your bank and submit for a financial assessment to know the kind of loan and the amount you qualify for. You need this pre-approval certificate when you make your offer.

The Value Appraisal

If you have selected the home you would like to purchase you need to get an appraisal of the value of the property or at least the most likely price of the home compared to others like it in the market and the neighborhood. Bank foreclosure properties are typically sold at around 20 to 30 percent less than their market value.

The Offer

A typical offer for a bank owned home comes with good-faith money given upfront which can be around three percent of the purchase price. Your loan pre-qualification document should also be included in your offer. After your offer is accepted the deed of sale is drawn up. Some important matters to take care of at this point are the inspection period and the closing date as this could impact the overall cost of your purchase. The bank will allow an inspection contingency phase where buyers can cancel their purchase based on the inspection results.

Paypal Cash Money – Learn How To Make Your Own Paypal Cash Money Fast

Many people may be known of Paypal as one of the world’s best online secured credit-card payment facilitators. It has supported over many countries around the world for its users to receive money or take money or even to make money by bringing more businesses to PAYPAL. Due to its convenience online service, you no longer have to queue at bank to pay your telegraphictransfer. Whether you are an online merchant or a buyer, PAYPAL is one of the best ways to make your transaction secured. Of course, you can also earn paypal cash too.
Paypal allows shoppers to:
Choose to pay using your credit and debit card, or bank account.
Make secure purchases without exposing your credit card number or bank information.
Using PayPal to shop on eBay or thousands of merchants worldwide.
Paypal allows sellers to:
Make credit and debit card transactions and bank account payments for low transaction fees.
Use Paypal to your website instantly
Gain access to a growing user list with millions of active online shoppers.
Good Points of Using Paypal:
No monthly or start-upfees or cancellation fees orno minimum payments. Lower transaction fees than other merchant accounts
Quick setup – Sign up and get started in minutes. No extra software or hardware needed
Paypal is an market leader in fraud prevention.It has 60%-70% lower fraud loss rates than other merchant accounts
Wide Network of buyers – One in three online buyers in the U.S. has a PayPal account, and over 58,000 users worldwide sign up for PayPal each day.
Earning Paypal Cash Money
Well, at this point you are wondering what you’ll need to do to make all this PayPal cash money. Well, continue to reading this post to discover one of the fastest way to make Paypal money fast. For those of you are unfamiliar with Paypal, you need to know that Paypal allows any publisher to make as much as $1,000 per each person you refer to PayPal.
Upon signing up the Paypal Merchant Referral Bonus Program, you are able to receive a portion of the transaction amounts of people you referred to PayPal. Once your affiliate supplier has used PayPal and receive a total of $200.00, you immediately receive an initial bonus of $1.00. Additionally, you will get 0.5% of the total amount of their payments for 12 months, up to $1,000. At this point you must introduce Paypal in your blog or website. Write about PayPal and give users unique information about it. Telling to people the pros and cons about PayPal, how you can use Paypal to earn your paypal cash from it.
This is just only one of the ways to make paypal money. If you are not contented to just wait and make only maximum US$1,000 for each referral over a period of time, then check this Fast Track Cash out. It has the most proven and advanced techniques to make your paypal cash money faster.

How Much Money Can You Make Selling Ebooks

One of the most common questions we get at Ebook Architect is how much money will I make selling ebooks? Well, like most businesses the answer will depend on many different factors. For example the amount of time you put into the promotion of your ebook will have a direct consequence on sales and market interest in your ebook topic is another important factor. People who are good at picking good ebook topics and promoting their ebooks usually stand to make a lot of money with ebooks.

How Much Money You Ask?

Some Ebook entrepreneurs lose money in the course of a year while some make hundreds of thousands of dollars. More realistically however is somewhere in between these two points. Many ebook authors make between $5,000 and $20,000 a year.

How to Maximize Ebook Sales

The best way to ensure optimum sales is to constantly promote your ebook. This may mean staying in on weekends and staying up late during the week. Some of the best ways to promote your ebook include buying advertising from large advertising portals such as Google and Yahoo, partaking in link exchanges, writing articles for websites and Ezines, building an information dense website and writing great ebook sales pages. Accomplishing all of this is no minor feat. You should expect to be in product development for between 1-6 months and then the promotional aspect may take another 4-12 months. Its not necessarily an easy job but as stated above the payoff could be substantial.

Worst Case Scenario

Even if you decide half way through the process that ebook entrepreneurship is not your cup of tea, you will still have written an ebook and be selling it online. That makes you an author; congratulations. Not only will you be an author but your ebook may give you some extra pocket change on a monthly basis. If nothing else, it will be a good learning experience. You have nothing to lose, so why not give it a shot?

Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

Total No. of Jobs: 180 Name of Posts : Staff Assistant

Manager (Scale I) No. Of Posts : 130 Posts

50 Posts

Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

Education: Applicants should have completed the Graduation in any stream from recognized university.

Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

Selection Process: Online Test & Examination.

Application Process:

Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

Tips for CBSE Exam and Bank Exam Preparation

In of the industries that have helped to prosper the country is Bank and finance industry. Lot of applicants applies for this job through the Bank exam. Every student from commerce stream craves to get into the Banking Industry. Before applying for this, every student has to pass the 12th CBSE Board with first division in order to get into the field the student wants to get into. Usually facing the question paper first time makes the student nervous. Here are some tips given to write during the Bank exams and CBSE board:

Bank Questions paper tips: Practice the Bank clerk question paper before actually writing the exams. This makes one known to the kind of questions asked. The bank exams question papers are easily available on the net; one can easily search for them and solve as many problems as possible. Assessing the pattern of question paper is very important which would help you to prepare. Try to write down the most important topics and do them thoroughly Prepare a time table and follow it A bit of relaxation is important. Don’t exhaust yourself with too much practice so in the end you will not be able to write anything

CBSE board exam question paper tips: Solve previous years’ question papers and solve as many answers as possible Do not ignore your text books. Just remember most of the questions come from your text book, they are just re -framed. Do not go for verbal practice. Write all the answers down. Set your clock according to the exam schedule. It is usually for 3 hours. Try t solve your practice question paper in 3 hours. Meet the concerned teachers and ask all your queries and be clear with all your basics. Pre- board exams are an indication of how much you know. Learn from your mistakes and prepare harder. Plan a schedule and divide the chapters on daily basis.

In order to get a nice job in the Banking Industry, one needs to prepare hard for the bank exam by practicing for the and to be eligible to be able to prepare one need to pass CBSE board exams with flying colors. With the basic tips and practicing of CBSE board question papers, this goal can be achieved easily.

Download Bank exam question papers and at jagranjosh.com for and cbse exams.

Pertinent Facts on Bank Owned Homes

Bank owned homes are popular options for people who want to own properties due to their sheer number. When home owners fail to meet their mortgage obligations, the lender will begin foreclosure proceedings that will end with the ownership being transferred to the lender. And since owning homes is not really among the business operations of banks, these homes will be sold on the market at a price that completes the loan that was not paid.

Banks will try to get the best price they could for the homes they sell but they are very open to negotiations because it is more important to sell of these bank owned homes in the soonest time possible. Considered as non-performing assets, banks need to convert them into capital quickly. If buyers are cautious to avoid heavily dilapidated homes, they may be able to acquire a good home at a significantly reduced price, even at half the property’s market value.

The first method a bank would use to sell a property is through an auction at the county courthouse. If the homes do not sell through this manner they will hire a certified real property broker to sell the homes for them. The property will also be included in a multiple listing service, where more people can see the property. While most homes can only be purchased through a bank appointed broker, some banks do accept offers directly from individuals in some cases.

Making an Offer to Buy

An offer to be made to the bank should have the amount that the buyer is willing to pay, a request to inspect the home, the method the buyer will use for paying and for how long the offer is valid. After the bank receives the offer they will most likely make a counter-offer. This is usually done to satisfy the bank stakeholders that the bank tried to get a higher price for the home. At this point the buyer can make one last offer that the bank can either accept or deny.

One thing to look out for when purchasing bank owned homes is the fact that all these homes are sold as is and the bank will not pay for repairs. So when doing your inspection you should carefully assess cosmetic or structural damages and factor the cost of repairs to your offer. Otherwise buying a real estate owned property is neither complicated nor hard and buyers should not be wary of them.

Does The Piggy Bank Reside In Our Checking Accounts

Now, banks never ought to commit 50 percent per day reviewing your accounts to find out if one thing is paid out or returned. The judgements are all automatic and lender persons have small or no regulate in excess of the overdraft course of action. This really is called “Overdraft Protection”, “Payday Privilege”, or perhaps a host of other innovative and devious names meant for making you are feeling far better about paying exorbitant expenses.

The dramatic improve from the utilizing of debit cards has dispatched overdraft payment cash flow to the stratosphere. Banks now make service fees every single time you use your debit credit card rather than paying every time you jot down a examine; now, that is surely a win-secure circumstances as debit playing cards are really handy and most merchants acknowledge them, in contrast to checks. But right here may be the “gotcha” moment. Just due to the fact the charge goes through, just since the test will get paid, doesn’t imply you have funds.

So that “free” checking now becomes essentially the most pricey fiscal determination that many individuals make. I’d venture to guess it really is far more costly then heading to a payday mortgage retailer in a lot of instances. So, one more renowned declaring, “If it looks too good to generally be true, it almost certainly is” can definitely utilize in your checking accounts. Ensure you both have an overdraft line of credit or you will be meticulous about retaining observe of every debit credit card or test transaction.

So just much like the wolf goes right after the a few little pigs, choosing them off until finally a person from the little pigs figures out a strategy to hold the wolf at bay. So you also have to develop your house, or piggy standard bank, of a thing over straw or wood to safeguard the banks from getting your very difficult earned income at will. The days of banks incomes cash away of charging attraction on loans has morphed right into a charge earnings-fueled frenzy. While major brother authorities will consider and action in to assist safeguard us, finally, we should consider actions ourselves to secure our hard earned funds.

Bank Recruitment by IBPS CWE

Banking sector is growing fast and flourishing with every passing year. It recruits many individuals every year for various posts. However, since it is a highly coveted career option, the recruitment process is very tough and the selection rate is very low. This makes it a stiff competition for the candidates appearing for the exams. However, it is a hectic procedure for the respective bank as well. It is very difficult to recruit the most capable candidate out of the thousands who appear for the exam every year. However, they cannot compromise on this, as banking sector requires a strong team of loyal and hardworking individuals who take care of the monetary matters of the citizens of our country. it is also a tough job to conduct exams every year for thousands of candidates. However, IBPS is a solution to this problem faced by most public sector banks. It is an autonomous body that recruits individuals for various posts in public sector banks of India. This year, for the first time it is conducting CWE (common written exams) to recruit candidates for the post of Bank PO. IBPS uses the latest technologies to recruit the most capable candidates. It is built up a strong faculty of professionals who are trained in various fields like, psychology, marketing sector, banking industry etc. It has various offices spread throughout the country, which conduct exams every year for various posts in public sector banks. The establishment of IBPS has been a blessing for many public sector banks who have successfully recruited many capable individuals based on the exams conducted by IBPS. Its efficient team of employees and latest technologically advanced machines allow quick printing of question papers and unbiased checking. It also conducts training programmes for its clients so they realize their potential and choose the post accordingly. Common written exams (CWE) is another effort by IBPS to recruit candidates easily for the 19 public sector banks connected with it. It will be like bank exams, but all the candidates would be given the same question paper. After clearing the exam, they will get a score card. If a vacancy arises in any of the 19 banks involved, the candidate can directly reach the interview level with the help of the score card.

Thus, IBPS has taken the responsibility of bank recruitment for various public sector banks. Its new endeavour to commence a href=””>CWE for the post of bank po has been appreciated by many. It will follow an unbiased procedure to recruit capable indviduals.

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