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Consolidate your Credit Card Debts – Know the Methods to use

Credit cards can both be best friend and worst enemy of a human being. There are several advantages of credit cards which has made them so popular today. The most appealing trait of credit cards is that they are easy to carry and convenient unlike cash which you can’t carry more than a certain amount at a time. In fact if you are in trouble and need emergency cash, you can swap your credit card and pay for the requirement. This money which has been credited to your account even if you don’t have that amount of money in your account in the first place should be returned back within the billing cycle. If you fail to do this, interest rate is started to get charged on these credit card debts. As a result of this your debt level rises higher and you need to get tips on credit card consolidation to pay your debt back.

What is credit card consolidation?

Credit card consolidation is a process in which you can merge your multiple credit card debts and also get a lower interest rate on your credit card debts. you can consolidate your credit card debts in three ways which gives you the same end results. Here are the three ways in which you can consolidate your credit card debts.

Consolidation Loan – This method is an approach in which you can consolidate your debt on your own. If you have a property then you can take a home equity loan by securing your property against the loan. Since your property provides a guarantee the rate of interest on the loan is low. Along with this you can pay back all your debts with a single home equity loan and pay this single loan with time. Thus you are able to merge your debts too.

Consolidation Programs – This is a professional method of debt payback. You have to approach a debt consolidation company to enroll in a debt consolidation program. You are provided with a negotiator as a part of this program and he negotiates with your creditors to reduce the interest rate on your outstanding debts. You can also make all your debt payments to the negotiator at the beginning of the month which he distributes among your creditors. Thus you can pay all your creditors with a single monthly payment and also reduce the interest on your debts.

Balance Transfer Method – This is a method in which you can transfer all your balances from your high interest credit cards to a single low interest card. Thus you can now make all your debt payments through that single card at a low interest rate.

Thus you can see how the above three methods of credit card consolidation can help you out of debt.

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How to Get Bond Loans Hassle Free

In times of financial need or stress, many people choose to get a bond loan. Bond loans provide immediate financial assistance of varying sums of money, and are used for a range of situations including rental bonds, deposits on property or vehicles and paying other debts. There are a multitude of bond loan companies, and many of them offer hassle free ways to get fast and convenient financial assistance.

Bond loans can be applied for in a variety of ways depending on the needs and facilities available to the client. Bond loan companies can be contacted over the phone, via internet or in an in branch meeting. Having a range of contact options allows you to conveniently locate and quickly apply for a bond loan, speeding up the process of obtaining the financial assistance you need.

Many bond loan companies offer hassle free ways to apply and be approved for a bond loan. Generally, all applications are considered by such bond loan companies, aimed at providing a fair chance even for those with previous bad or impaired credit ratings, bankruptcy or other financial problems. As non bank institutions, bond loan companies will usually provide cash and loans for most people in need, despite previous history, and transfer it into your bank account in up to 24 hours.

Companies such as also involve little to no paper work, providing you hassle free access to loans of up to $5000 or more. Establishing a credit rating with a bond loan company can also improve your financial history in the event of future loans.

Bond loans are an easy and effective way to obtain money for a range of situations, whether it is to cover unexpected bills, place a deposit on a house or to get out of previous debt. Bond loan companies can be found Australia wide.

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Empire State Online Banking Services

The Empire State Online Banking Services makes banking services easier for the residents of metro New York and the Hudson River Valley. Empire State Online Banking Services started in 2004 with the aim to fulfill the needs of the people of this area. They offered the great bank rates to people to help them in investing their money and getting good returns for the same.
Since 2004, Empire State Bank a member FDIC is working as a commercial bank and supervised by the office of the comptroller of the currency (occ) and offering their complete services like online banking, credit cards and ATM services. Empire State Bank is a community-oriented bank committed to helping its customers “build their empire” by offering a full range of consumer and business deposit and lending products, tailored to meet each customer’s specific financial needs.

With over 3 locations in New York, Empire state online banking services give their customers the regional banking convenience with the community banking service.

The online banks services of Empire state bank are available for all levels of their checking accounts, money market accounts, savings account and CD accounts. This allows for the checking of balances and transaction history, paying of bills and managing money of people for their convenience.

According to the bank sources, “In 2003, local banking professionals and area businesses saw the need for a “new kind of bank”. One that would combine the knowledge and understanding of local communities and having an extensive financial expertise.”

Some of the bank’s Free Business Checking services include:
Unlimited check writing
Online Cash Management
Free Bill Pay
Merchant Card Processing
Payroll Services
Remote Deposit Service (deposit checks online 24 x 7)
Some features of its checking accounts includes
• No minimum balance required
• No monthly maintenance fee
• No Direct Deposit required
• Unlimited check writing
• Free first order of standard checks
• Free 24 x 7 Online/Telephone Banking
• Free ATM/Debit Card
• No fee by ESB for using another bank’s ATM
• Bonus rates on savings when linked

Various services provided by Empire state bank are
• Business Loans
Lines of Credit
Equipment Loans
Term Loans
Letter of Credit
SBA Loans
• Commercial Loans
Mixed Use
Commercial properties
Fixed and Adjustable
• Residential Mortgages
Fixed and Adjustable
1-4 family Co-ops and Condos
Low down payment options
Free Rate Locks available
Free pre-qualifications
FHA financing programs
First time Home Buyers programs
Interest rates offer by bank are:

Account Type Minimum for APY Rate APY Min. Balance
to Open

Free Personal Checking 0.00% 0.00% $25.00
Free Business Checking 0.00% 0.00% $100.00
“VIP” Interest Checking $100.00
$0.01 to $4,999.9 0.25% 0.25%
$5,000.00 to $19,999.99 0.75% 0.75%
$20,000.00 and above 0.85% 0.85%

Statement Savings $100.00
Tier 1 $0.01 to $2,499.99 0.25% 0.25%
Tier 2 $2,500.00 to $24,999.99 0.50% 0.50%
Tier 3 $25,000.00 to $49,999.99 0.75% 0.75%
Tier 4 $50,000.00 to $99,999.99 0.75% 0.75%
Tier 5 $100,000.00 and above 1.00% 1.00%

Non-Profit Checking
$0.01 to $9,999.99 1.00% 1.00%
$10,000 and above 1.50% 1.50%

Empire Savings Builder (available when linked to personal checking) $100.00
Tier 1 $0.01 to $2,499.99 0.25% 0.25% *
Tier 2 $2,500.00 to $24,999.99 0.75% 0.75% *
Tier 3 $25,000.00 to $49,999.99 0.85% 0.85% *
Tier 4 $50,000.00 to $99,999.99 0.85% 0.85% *
Tier 5 $100,000.00 and above 1.00% 1.00% *

Business Money Market (when linked to businnes checking) $2,500.00
Tier 1 $0.01 to $2,499.99 0.25% 0.25%
Tier 2 $2,500.00 to $24,999.99 0.50% 0.50%
Tier 3 $25,000.00 to $49,999.99 0.85% 0.85%
Tier 4 $50,000.00 to $99,999.99 0.85% 0.85%
Tier 5 $100,000.00 and above 1.00% 1.00%
Tier 5*** $100,000.00 and above 1.00% 1.00%
***Municipal MMA only

Personal Money Market $2,500.00
Tier 1 $0.01 to $2,499.99 0.25% 0.25%
Tier 2 $2,500.00 to $24,999.99 0.75% 0.75%
Tier 3 $25,000.00 to $49,999.99 0.85% 0.85%
Tier 4 $50,000.00 to $99,999.99 0.85% 0.85%
Tier 5 $100,000.00 and above 1.00% 1.00%
Account Type Minimum for APY Rate APY Min. Balance
to Open

Certificates of Deposit $1,000.00
3 mos $1,000.00 0.60% 0.60%
5 Month $1,000.00 0.60% 0.60%
6 mos $1,000.00 0.60% 0.60%
12 mos $1,000.00 1.00% 1.00%
18 mos $1,000.00 1.04% 1.05%
24 mos $1,000.00 1.64% 1.65%
30 mos $1,000.00 1.74% 1.75%
36 mos $1,000.00 2.08% 2.10%
48 mos $1,000.00 2.23% 2.25%
60 mos $1,000.00 2.47% 2.50%

36 Month Access CD $1,000.00 1.04% 1.05% ** $1,000.00

IRA Certificates of Deposit $1,000.00
3 mos $1,000.00 0.60% 0.60%
5 Month $1,000.00 0.60% 0.60%
6 mos $1,000.00 0.60% 0.60%
12 mos $1,000.00 1.00% 1.00%
18 mos $1,000.00 1.04% 1.05%
24 mos $1,000.00 1.64% 1.65%
30 mos $1,000.00 1.74% 1.75%
36 mos $1,000.00 2.08% 2.10%
48 mos $1,000.00 2.23% 2.25%
60 mos $1,000.00 2.47% 2.50%

36 Month Access IRA CD $1,000.00 1.04% 1.05% **

Rates are subject to change without notice. Substantial penalty for early CD withdrawal may apply.
Fees on Money Market, VIP Interest Checking, and Savings Accounts could reduce yields.
** Open an Access Cd for a term of 36 months and get access to your money after 18 months without a penalty.
* Annual Percentage Yield (APY) is available to Personal Accounts only and when linked to a ESB Personal Checking Account.
Annual Percentage Yield (APY) is based on the rate on 7/30/2011

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AIG Bank’s Signature Certificate of Deposit

American International Group, Inc. (AIG) is one of the leaders in insurance and financial services. AIG is the top international insurance group which is operating in more than 130 countries and jurisdictions.  AIG companies functions as commercial, institutional and individual customers while having worldwide property, casualty and life insurance systems.  Also, AIG services majorly provide retirement services, financial services and asset management all around the globe.

Operating since May 2000, AIG is serving consumers, small businesses and AIG policyholders.  AIG Bank offer specialized FDIC insured deposit products, loan products, and banking services to the customer groups nationwide in USA. AIG’s stocks are listed on the New York Stock Exchange, as well as in the stock exchanges of Ireland and Tokyo.

AIG Bank offers their signature certificate of deposit.

AIG CDs are FDIC insured and customers can open the accounts via phone or internet, and Annual Percentage Yields are as follows:

For 6-month Certificate of Deposit interest rate is 0.80% and minimum dollar amount required to earn APY is $2,500, compounds daily.
For 12-month Certificate of Deposit interest rate is 1.15% and minimum dollar amount required to earn APY is $2,500, compounds daily.
For 2-year Certificate of Deposit interest rate is 1.35% and minimum dollar amount required to earn APY is $2,500, compounds daily.
For 3-year Certificate of Deposit interest rate is 1.70% and minimum dollar amount required to earn APY is $2,500, compounds daily.
For 5-year Certificate of Deposit interest rate is 2.15% and minimum dollar amount required to earn APY is $2,500, compounds daily.

Here, Annual Percentage Yield (APY). Rates quoted are effective as of 7/13/2011 and are subject to change at any time without prior notice. Minimum opening deposit is $2,500. A penalty may be imposed for early withdrawal. The early withdrawal penalty for a CD is 90 days of interest for a CD with a term of 12 months or less or 180 days of interest for a CD with a term greater than 12 months. Other terms and conditions apply. See Account Application and Deposit Account Terms and Conditions for a description of the applicable terms and conditions. Rates for business deposit accounts may differ from these rates.

AIG Bank Signature Certificate of Deposit is FDIC insured² to at least $250,000 per depositor. Interest is credited monthly, and you’ll receive statements each quarter.

AIG BANK also offers 14 day best cd rate guarantee. When you fund your Certificate of Deposit within 14 days of opening your account, you automatically get the best rate they offer during the period between your opening date and funding date, for the CD term you chose at account opening. Money Market rates are variable and subject to change. Interest will accrue as of the date funding is received.

AIG Bank does offer high interest money market accounts and high yield CDs with easy online applications. However, these accounts are FDIC insured up to $250,000 per customer. If you are looking for a bank with a strong online focus for their deposit accounts AIG Bank may be just what you are looking for.

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A Guide To Finding A Financial Advisor

When the time comes for you to talk with a financial professional, you should approach the conversation as you would an interview. In order for a financial professional to be able to calculate a proper investing strategy for you, they will ask certain questions such as your current financial situation and your goals and future plans. To ensure the professional that you are talking with is capable of overseeing your finances, you should have a few questions of your own to ask. You should look at choosing a financial advisor, much like you would look at purchasing a new car. If you were going to make the substantial investment of buying a vehicle, you would test drive a number of models at a number of dealerships. Similarly, you should not settle on the first financial advisor that you speak to. Instead, you should conduct an interview with each advisor that you are considering, and ensure that their ideas, qualifications, skills, and objectives, are compatible with yours. It is impossible to predict the stock market’s future gains or losses, but you can ensure that you employ an experienced, qualified financial advisor. There is some information that a financial advisor will need to obtain from you in order to appropriately assist you in your financial endeavors. They will need to know what your plans are for the future. You might have very detailed plans, such as an upcoming car purchase that you are planning within a year or two. Or you might be thinking of a more general plan that includes traveling during your retirement years. Whatever the case may be, you have made the effort and sacrifices to ensure that your family is able to live in the manner that you live, and having a clear picture of what you want your future to be like, financially, and sharing that information with your financial advisor, will allow your advisor to help you maintain your accustomed lifestyle. In order to help you make a decision about which financial advisor can best meet your needs, you should go to your consultation armed with a written list of questions to ask them. By recording each advisor’s in-depth responses, you can then go back later and compare the information that you have obtained from each one. Here are a few suggestions for potential questions to pose to the financial advisors:

  • What Are The Services Your Provide?
  • What are your qualifications? Do you have special licenses or training?
  • What are your methods to preparing my financial plan?
  • After the initial steps, how you will continue to provide service to me?
  • Can you share some information with me about what your general client profile looks like, and how your advice and planning has impacted their finances?
  • Explain your fee schedule to me.

Once you get these questions answered, you will have a basis to compare one advisor to another. You want to work with someone you trust, and someone who understands your goals. A one-stop shop is nice in theory, but beware of offices that offer services you will never need. The more services an office provides, the more their fees tend to run.

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Top list of Best Banks in year 2010

Best Banks in 2010 are listed for first quarter. Ranking of the Banks in the list of Best Bank Rates depends largely upon equity, leveraged ratio and interest margins.

Honolulu’s Bank of Hawaii tops in the list of Best Banks in 2010. This is not so hot choice for many bank customers, as most of the people don’t use its services. However, this is the best choice in today’s time. This bank has a clean reputation and customer’s feed-backs are pretty well. This bank has net assets of $12.2 billion. They don’t owe any federal bailout money, as there strategy is very different from other banks. They were not involved in any real estate lending practices the lead to the recession. This is the main reason for there better position in recent times.

The bank which ranked second in the list is UMB financial of Kansas City Missouri. Reason for there ranking is similar to the top one in the list. Even they had the same strategy on real estate loans. They have net assets of $10.2 billion. This is one of the highly profitable banks. There best strategy to win the race was to concentrate their business in their region. This is a different approach from other Banks and financial institutions as most of them focus on expansions and mergers. This approach saved them from tax payer bailout money from the federal government.

The third bank in top banks list is again from Kansas City Missouri, Commerce Bank. The surprising thing is that even they had very low rate of business from loans on the real estate side of financing. This strategy led them to top in the list of Best Banks in 2010. Their net assets is of $18 billion.

Fourth bank on the list is Prosperity Bank of Houston Texas. They have worked very safe in recession period. They were also out of the risky business of loans for real estate financing. This is the reason they never need the federal bailout money.

By analyzing the strategy of these Banks, it is assured that they remain in the top list of Best Banks for many years.

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Regions Bank goes Online

Regions Bank has a glorious history. This Financial Instituion comes in existence in 1971. Region Bank was the merger of three trusted banks in the region. These three banks were the First National bank of Huntsville chartered in 1856, The First National Bank of Montgomery chartered in 1871, and the Exchange Security Bank of Birmingham that was chartered in 1928.

All the credit for Regions Bank Online service goes to first multi bank holding company in Alabama. Best of all is that Regions Bank offers its online service free of cost to customers. As we all know that online banking gives there customer freedom to bank anytime, from anywhere. Getting regsitered for the online banking services in regions bank is very easy and you can get instant access to your Regions bank online account.

Some special services that Region Banks online structure offers you are as follows:

  • Scheduled payment mode of your bills online
  • Pre intimation on when these bills are due.
  • Customers can also view there statements online.
  • Customers can view statements up to 18 months of past statements.
  • They assure complete safety and security.

Regions Bank offer another valuable service free of charge and that is Mobile Banking online from your cell phone. Customers can do normal online banking with mobile banking services. This service allows customers to transfer funds between accounts, paying bills etc. They assure complete security of your mobile banking, no personal information of any transaction is stored on your phone and you need a PIN is to access your accounts.

Regions Bank online service is an example of the latest and best security provided to the customers availing the online banking services. Regions Bank Online service assure there customers to keep all there banking and account information safe and secure.

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The Best Finance Apps for iPAD

iPAD Finance Apps are an essential tool for the finance professionals who need the data or market facts & figures to make decisions while on the move. This list of Best IPAD Finance Apps is an attempt to provide the valuable information gained through our research that saves the time of the finance professionals.

Many of these Apps are free to download. One of the best Apps is from BLOOMBERG. This App helps to watch and check the performance of the stocks irrespective of your location. The latest version of the App is 2.9.7 and the memory required for it is 2.9MB.

Second one is from MONEYSTRANDS. This App is mainly used for budgeting purposes. The latest version of this App is 2.9 and it requires 1.8MB of memory.

MINT iPHONE APP is also a similar App. It is primarily a personal budget program that alerts in case of low balances or even with respect to security issues so as to keep your system safe. Its current version is 1.2 and it requires 1.5MB of memory.

For transferring money by using your PayPal Account, PAYPAL APP is the best. This App is free and allows money transfer in nearly 190 countries in various currencies and in 16 different languages. All it needs is: your iPhone and 5.2 MB of memory. The Current version of this App is 1.6 and this App also provides a transaction history for future references.

The Thomson Reuters Market board is another free App that needs only 1.5MB of memory. It allows you to follow any of the financial markets in world and also follows relevant business news that might affect the financial markets along with the current bank rates. The Current version of this App is 1.0.

Another low cost Application is BANKARAMA. It costs $2.99 and allows faster data entry and helps you to keep track of all your monetary transactions. Its current version is 1.6 and it requires 0.3Mb of memory.

At the moment these are the Best iPad Finance Apps as per the data and information provided on the home sites of the above mentioned financial institutions.

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Best Bank Rates April

The Best bank rates available in the market for the month of April, 2010 are as described below:

The Best savings account rate so far is offered by the Chevron federal Credit Union. Their MY SAVINGS ACCOUNT offers an exciting dividend rate of 6.770% on balances up to & including $1000 and 7.00% APY. Amount above $1000 will receive the primary savings account rate of 0.70%. Dividends are compounded daily & credited to account every month. Minimum daily balance required in account to receive APY of 0.70% is $500. The dividends were declared for month ending March 31, 2010 and are still available as on April 29, 2010.

Geddes Federal Savings and Loan Association provides the best available rate for the money market account. Their Money Market Deposit Account (MMDA) pays an Interest rate of 1.00% along with APY of 1.00% on balances between $1000 to $49,999. Balance of $50,000 or more; earns an interest rate of1.99% and an APY of 2.00%. The deposit accounts are only for individuals residing or businesses located within 150 miles of Association’s Syracuse, NY branch. The rates are as declared on April 19, 2010 and are still current as on April 29, 2010.

The best bank rates for a checking account are provided by Carthage Savings and Loan Association. Their Highest Interest Checking account (for balances $2,500 – $25,000) receives an interest rate of 2.00% with an APY of 2.05%. This is a free checking account with minimum balance required $2,500.
This rate is as posted on April 5, 2010 and still current as of April 29, 2010, is subject to change without notice.

These are the best Interest rates for various accounts that are available for the month of April, 2010 as per the best of our knowledge. The Interest rtes & details are as posted on the home sites of the banks & financial institutions.

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First Niagara Bank

The First Niagara bank is a wholly owned subsidiary of The First Niagara Financial group, Inc. The inc. expects to have $19.3 billion in assets, 254 branches and $13.9 billion in deposits through The First Niagara bank by the first quarter of 2010.

First Niagara bank is a community oriented bank and provides various financial services to individuals, families & the businesses. The bank operates around the upstate New York & Pennsylvania. The Bank addresses themselves as the belief backers of the customers such that they truly know their customers and use their powerful resources to help the customers in day to day life.

The Bank provides products & services to satisfy all the personal banking needs & also helps the customers to meet their long term financial goals. Various products & services offered by bank includes: deposits, lending & credit, cash management, business insurance etc for small businesses; checking & saving accounts, loans & credits, personal insurance, mortgage etc for personal banking needs of individuals; Deposits, lending & credit, Risk management, Treasury management, benefits consulting for their Commercial customers.

The most beneficial product offered by First Niagara Bank is Belief backer Bundles, where you benefit by bundling various products together. The benefits included in these bundles are: free checks & no ATM fees, plus certain advantages for a limited time such as- $25 gift card for bundling, reduced Home Equity Line of Credit along with its special offer of $100 gift card, reduced mortgage rates and 2500 reward points on your first credit card. Belief backer Bundle starts with a saving & checking account along with a debit card, the benefits keep on adding up as you add more products to the bundle.

There are four different types of bundles depending on the products added by you. The benefits range from no minimum balance requirement to payment of interest on amounts above $2500.

The First Niagara Bank is an equal opportunity lender and is a member of FDIC.

The information provided is as per the latest data available on The First Niagara bank’s web- site.

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