There’s nothing like laying a black card on the table to pay a restaurant bill. Simple, elegant, direct, it speaks of refinement. On the other hand, dropping an “Angry Birds” card makes quite a different statement and is bound to provoke conversation and laughter. Kaiku offers both. The cards are part of the reloadable prepaid Visa trend that’s led Kaiku to offer not only lots of features for the financially savvy, but also stylish and clever card designs to enjoy and make a statement. Behind the cards is an account which is convenient to access by web and smartphone app and can be loaded in a variety of ways. While previous generations reached for cards that spoke of prestige, modern society is plastic-oriented and savvy, looking for payment cards which are personal, convenient, and fun. Along with Angry Birds games on smartphone and tablet, ringtones, toys, and whatever else strikes fans’ fancy, Kaiku customers can pay for it all with their favorite character right on a debit card. Modern life is serious enough. Going out for lunch should be fun, and paying for it with an Angry Birds card can be the antidote to all kinds of stress and pressure back at the office. It’s sure to be a memorable occasion when the bird’s on the table after the meal is done.
Archives for finances category
Most of us find ourselves stuck with bank accounts that are unfavorable to us. There is no reason you should continue running a bank account you are unhappy with. If you care to do your research well, there is pretty much incentive to switch bank accounts being offered by the banks.
Let us look at some of these briefly.
What to Consider when Switching Bank Accounts
Do your research well to find one that is most favorable to you. Some of the things you can look at include the following:
Interest rates-majority of people use a bank account as an everyday affair to pay bills, make transactions, receive wages and so on, thus there is a considerable amount of money moving in and out of this account. Taking into account that every penny deposited there could be earning interest, it is certainly worth your while to find out what your current rate of interest is and see if there is another that will make more out of your funds.
Transaction and ATM fees-confirm how much you are charged on every single withdrawal or payment you make using your card. Some have a limit to the number of transactions you can carry out every month with any additional usage attracting a certain fee. Those of us who are frequent transactors should open an account that favors such regular usage.
Account maintenance fees-some accounts charge an overall monthly fee that caters for all or a maximum number of transactions, even when you don’t use the account in any given month. Depending on frequency of use and nature of transactions, this could save you considerable amounts of money every month.
Making the actual Switch
After you have chosen an account that works in your favor, open it and then make sure to update your automatic payment details such as direct debits-car, health insurance etc-and direct credits-benefits, pay and so on.
You can switch your bank account more effectively by following these simple tips:
- Take some time to talk to your bank if you are unsatisfied. Go through the options with them in the hope that you can get a better deal-no monthly fees, higher interest rates and so.
- Consider whether in the long run you will save more by switching your account to another bank.
- Set up your new transaction account-you can leave the old one open to sort out any automatic payments that ought to be made during the transition period.
- Ask for a list of all your regular direct debits and credits from your old account.
- Avail the list to your new bank as this will help to re-establish the payments on your new account.
After you are certain that all automatic payments have been updated to your new account, proceed to close the old account.
I think all of us know that we will all going to retire someday. With that, every persons desires to retire peacefully and enjoy the life of being a senior citizen. That is why in preparation for our future my husband and I thought of retirement annuities. Honestly, I don’t have enough knowledge about it which is why I am spending this night to read more about it.
Short of cash this holiday season?
Well, why not search the internet for online payday advance. I could say that this is the quickest option to take if you need cash as soon as possible especially this New Year. Like what my friend Lilia just did. She needed cash for the New Years celebration but their office is closed until that day. So her option was to apply for a payday loan. She started searching and finally found one. Luckily, after minutes of applying her loan was approved. Now, shes a worry free woman this New Year.
My officemate Rose is a mom of 3 at an early age of 30. She has been in our company for almost 10 years now and has been the bread winner of her family and a mom and dad to her 3 children. Yes, shes a single mom since 23.
Such a sad fate for a woman who dream of a perfect family.
Now just to sustain the needs of her 3 children, she has to work double time and overtime. But other than her work here, she has some sidelines that somehow helped her a lot in maintaining their budget. But of course, those extra jobs that she has are not regular. Thats why there are lots of time where she needs to apply for a cash advance in our office.
Our process in advances is quite different from other company. (I think?) First you have to fill up the request form and submit a promissory note saying that youll pay a certain percentage of the loan till payday. Well, its actually up to the employee how much percentage she can pay and to how many months she pays it. Then you just have to wait for a few more days to get it approve and get your cash. Such a hassle huh?
That’s why most of my officemates here try to really budget their finances. They always say that its better to be thrifty than to be zero and end up taking up all the irritating hassles of requesting an advance.
But lucky for Rose, she just found a hassle free way of applying for a loan online. Its as easy as 1-2-3! The perfect cash advance indeed!