Category: Banking & Money

Pnc Bank Online Banking

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The PNC Bank Online Banking service is offered by PNC Bank to its customers and account holders. This service enables the banks clients:

To access their accounts from any where in the world.
Perform various functions over the net itself, saving on time.

Features of PNC Bank Online Banking
PNC Bank Online Banking service is available for the banks customers free of cost. Following are the distinctive features of this service:

Account Summary: You can remain in touch with your finances by obtaining a summary of your PNC personal, business and investment accounts through this service.
Account Activity: You can access your accounts round the clock. You can check balances, review recent transactions and view images of the checks you have submitted.
Online Bill Pay: You can save time and money by paying your bills through this service. Online bill payment requires just a few minutes of your time, with you using just one simple screen to place your instructions. This service gives you the flexibility to decide how much you want to pay for each bill.
Online Statements: You can contribute on saving paper. You can use the PNC Bank Online Banking service to receive and view your statements online. You can also print or download statements for up to last 36 months.
Transfer Funds: Through this service, you can move your money to where you need it. You can either transfer funds between your PNC Bank accounts or between your PNC account and your accounts at other financial institutions.
AutoAlerts: You can use this facility to remain informed about every critical event related to your accounts and bills. This service can send you e-mail notifications to alert you about key account activity such as low balances, the arrival of direct deposits or overdrafts on your account.
Data Export: This facility in the PNC Bank Online Banking service enables you to download account activity in Excel, Microsoft Money or Quicken file formats in just a few clicks.

Ultimate rewards and freebies on current bank accounts

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I was in a bank last week waiting to pay in a cheque while the 3 cashiers attended the queue of about 10 people; so 20 minutes after looking around at all the usual 0 per cent credit card offers and low rate loans, I was surprised when the cashier asked me if I had one of their ‘new’ current accounts.

‘New’ I thought; I’d only started banking with them in the last 8 months, how could I have an old current account!? “Oh yes” said the cashier, “we have new current accounts that offer travel insurance, mobile phone insurance and motor breakdown cover.” I thought I was in a Churchill car insurance advert for a minute!

“Hhmmm, ‘new’ current account,” I thought – doesn’t this mean ‘monthly fee’ current account?? I like the way the current accounts that charge you on a monthly basis have all been named dramatically like the ‘Ultimate Reward’ or ‘Gold Rewards’ ‘Advantage’, ‘Premier’ etc, etc…But that’s all I like about them to be honest.

All the benefits or ‘Rewards’ for your monthly fee seem to include ‘* Exclusions apply’ even to things like travel insurance. ‘Worldwide annual multi-trip travel insurance for you and your family’ – read the leaflet; but then a huge ‘* Exclusions apply – please refer to the terms and conditions.’ So you have to trawl through the thousands of ‘T’s & C’s’ to make sure you don’t fall into any of the exclusions! Who honestly bothers to read absolutely everything?

I would guess that the level of insurance and motor breakdown cover you’d get with a current account doesn’t compare to the level of cover you’d receive if you bought the same mobile phone insurance, travel insurance, or motor breakdown cover as separate policies. But then again I might be wrong…

In any case I’m ceratinly not going to start paying for a banking service that I can get absolutely free without all the gimmicks of ‘freebies’ – You get nothing for free and that’s certainly the case here because you’re paying a monthly fee, so how can it be free?! One day I might take the time to actually read through all the insurance cover terms to see exactly what you get for your money I bet it’s not that much!

John Hogan writes for the UK’s firstMotoring Web Site. Motoring.co.uk finds you the best deals on new cars and offers free car valuations to help you sell your old car. The unique online search functionality will help you find the best new cars, and new car deals, in the UK Today. Visit motoring for a free car valuation today!

Bank Jobs And Banking Scenario In India

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The banking industry is surely blooming in India. In fact, in the last decade, there has been a tremendous growth in this sector with both public and private banks doing good business. The percentage of vacancy in banks has also grown up resulting in more and more employment opportunities for the current generation of youths.

Furthermore, it cannot be denied that banking jobs are one of the most preferred jobs in the economy today. Bank jobs are secure, high-paying and very rewarding. More and more people are showing a strong inclination to enter the banking industry. Besides, you also need to consider the fact that the modern day banks have really diversified themselves very well.

Gone are the days when they merely used to perform the conventional functions of accepting deposits and granting loans. Take for instance, the McKinsey Report titled India Banking 2010 which revealed that the growth in the banking sector in the country has been staggeringly high in the last 10 years with an annual growth rate of 51%. This certainly augurs well for the economy which has always been criticized for its high population and high unemployment rate.

Fortunately, more and more recent bank jobs are cropping up and the youths are only too eager to grab the opportunity with both hands.

The present day scenario is certainly promising chiefly owing to two reasons:
i.Diversification: As explained above, banks have shed their conventional tags and are now diversifying their functions to perform a number of activities. They are not shying away from managing credit cards, funds, loans, stocks and insurances for the clients. Thus, there are several new departments that have come up. It goes without saying that the birth of new departments opens up more employment opportunities for the countrymen.

ii.Foreign branches: Another reason why the banking scenario is at a booming state is that a number of banks are setting up branches on foreign soil. With globalization taking full shape, it has become almost imperative for the modern day banks to establish their presence all over the world. Hence, even Indian banks are setting up branches on other countries. Then there are private banks and foreign banks which are extending their powers inside the country. All these have surely given birth to fresh employment opportunities.

Money Plant Tree – The Simple Way To Attact Wealth

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In case you are seeking a simple way to draw in more wealth and money into your life, start by obtaining a money plant tree. This attractive indoor plant is often used as a feng shui tool to assist with finances. The way it appears has special significance and is great in any area of a home or business. It also goes by its botanical name ‘pachira acquatica’ and is generally not naturally shaped the way it is. This unique plant is a combination of several plants with intertwined stems that appear like they have been braided. It had been first created in the 1980’s and grew in popularity internationally because of its symbolism of the five elements in feng shui.

Plenty of people have adopted this beautiful plant and used it for attracting money. You will find five leaves that branch out from each one of the stems, these are said to represent the five elements wood, water, metal, earth and fire. The five leaves on each stem is meant to symbolize the elements in perfect harmony. This makes the money tree the right tool to use for just about any part of a room or entire home which has unbalanced ‘qi’ or energy. Simply locate the region that needs help with a bagua map and place a money tree where it is needed.

The best places for the money tree are areas that have anything to do with money or wealth. As an example in the home, the preferred spot for this plant is near a safe deposit box. Businesses would benefit from having this plant near its cash register. A specific room in the home that may need a money tree would be the home office. This is where you conduct business so it definitely doesn’t hurt to have an abundance of funds in this particular area. Money trees are wonderful gifts for anyone who is starting a new business.

These plants are relatively easy to care for. They can grow to 7 inches and have a very long lifespan. Regular watering and a bit of sunlight is all that is required to look after them. Direct sun exposure is bad, since it will dry out the leaves so keep them in areas with dim lighting. Water the money trees just enough every time and let the soil dry out before watering again. Too much water will cause the leaves to brown and fall off. Avoid misting the leaves directly as that causes the leaves to fall out as well. With the proper care and right location, these plants may be just what you will need to generate the type of success you have been hoping for.

Non Status Bank Accounts – An Answer For All Your Business Queries

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For the smooth running of the business, bank account is compulsory. But business people with bad credit history find it tough to open one. In such circumstances non status bank accounts proves to be quite beneficial. This account is particularly designed in helping new entrepreneurs to turn into good reputable professional business entrepreneurs. These accounts are perfect for those people who cannot show their revenue and facing dreadful credit ratings. It gives an extra opportunity to the bad creditors to show them a good account holder. One can get this account with no restriction in any reputed bank as a number of high street banks offer this banking service with several services.

Every UK consumer can get this account to structure a new company or to run finances of any accessible business. Non -status bank accounts are accessible without the trauma of prolonged paper work and business strategy. Any individual can take this banking service just by providing your identity and address proof. The documents which you offer with the submission form enable you to create your new bank account to hold your business money.

Whether you are a sole trader, have a partnership firm or a limited company these offer you a number of benefits that helps in construction of your business. Some of the services obtainable by banks are its no credit check scheme which helps everybody to qualify for this account the ideal for people suffering from a poor payment status, Infinite deposits and withdrawals facility, Cheque book and debit card is also accessible. Free and usual updates, Internet and telephonic banking are also provided for more ease.

With these accounts, banks give the individual money manager that look after your account and confirmation of all your transactions. This manager helps you to craft right fiscal result and to get back your fiscal life on track.

Online you will find a variety of such banks and service providers that assists you in opening this account with several non status banking. That is why it is sensible that you much check out all the circumstances and facilities before making any decision.

How To Track Bank Account Transactions Manually

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When a customer at the bank gets a hold of a statement in through the mail, the statement lists out all the transactions happened during previous month. The transactions include both incoming and outgoing, tallying up to a final sum which is indicated as the up-to-date account balance for the benefit of the customer. Without the benefit of the statement, the customer would be much more in the dark more with respect to the contents of the account. With the statement in hand the customer knows details such as the dollar value spent, the size of the income, and the present state of the account.

The fact of the matter is that this information becomes outdated almost immediately as the customer starts to use money. A simple ATM withdrawal means the account balance is not reflected in the monthly statement. The way to make sure one knows the state of finances even between statements is known as “bank reconciliation”. The device to help one do so is the checkbook register – which is simply a little sheet of paper that is used for recording transactions.

What is the importance keeping track of this money? The larger fraction of bank customers have come up against deep reasons to do so. Indeed, whenever a check is issued with a value higher than the level of money in the account, two things happen. The check may not go through incurring a bounced check fee, or the check goes through because the bank covers it temporarily triggering an overdraft fee. In both cases there is a serious negative consequence.

The types of transactions are many. Monthly car payments by way of check can result in a penalty if there are not enough funds on the day the payment is being cashed.

Personal checkbook registers impedes the rotten luck of such errors occuring. For people who have trouble managing their finances but also find maintaining a checkbook register too burdensome, there are electronic alternatives which are faster and easier to use. These are merely calculator-like devices that can easily be carried around. They have special entry keys for the different kinds of transactions one might encounter related to the checking account.

Very recently the U.S. Senate implemented a series of consumer-friendly finance rules relating to how banks charge overdraft fees (this fee is incurred whenever a bank steps in and pads a customer’s account whether or not the customer wants it). Basically a bank must ask a customer to opt-in to their overdraft fee program. However, the flip side is that without the overdraft fee, checks will bounce and cause other kinds of trouble. Therefore, it is still best to keep finances in check with devices like the checkbook register.

Bank Auction Sale Of Properties Are Incresing In India.

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The Debt Recovery Tribunals have been established by the Government of India under an Act of Parliament (Act 51 of 1993) for expeditious adjudication and recovery of debts due to banks and financial institutions and they are auctioning some properties. Subsequently With an aim to provide a structured platform to the Banking sector for managing its mounting NPA stocks and keep pace with international financial institutions, the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002 was put in place to allow banks and Financial Institutions (FIs) to take possession of securities and sell them. Various Banks, State Financial corporations , and Asset Reconstruction companies are auctioning their Non performing assets, i.e housing properties, commercial properties and Industrial properties under SARFAESI act 2002.

Public Sector Banks are shifting to new system called Core Banking System (CBS), which automatically processes and updates transactions, helping identify NPAs on a daily basis, as against the current system where most transactions are managed manually, leaving scope for slippages. As a result of this the NPAs of some banks are expected to increase by as much as 150%. According to latest data from the Reserve Bank of India, the gross non-performing assets of state-run banks touched 68,597 crore at the end of December 2010, an increase of 27% from a year ago.

Ours is an Internet portal publishing all the Bank auction property listings since December 2009 and we are the only one providing such information pertaining to 32 major cities in India. We are committed to create awareness among general public about the Bank auction procedures and to generate vibrant market for Bank auction properties in India. Our services are being utilized by various Banks, i.e Union Bank of India, State Bank of Hyderabad, Andhra Bank, Punjab National Bank, State Bank of Travancore, State Bank of Mysore, Bank of India, Indian Overseas Bank, Allahabad Bank, The Shyamra Vithal co-operative Bank, Karnataka APEX Bank, etc.

In the past 15 months we have listed over 51,000 Bank Auction properties, which include Auctions and Possessions at 32 cities spread across India. Bangalore has the highest 9140 Bank auction properties, and followed by Mumbai- 5829 properties , Hyderabad 5230 properties and Kolkata 4451 properties. The trend is expected to increase in future.

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Safeguards for Handling of Funds Using Bank Deposit Bags

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Since the very early Romans learned to trade goods with gold as well as silver as money, cash pouches were certain to be about. To stash or hide money is, of course, their main purpose. Cash bags have actually come a long way, as do our contemporary banks. Today, it’s insufficient to place those large sums of cash in any sort of bag. You require a bank deposit bag with its own keying code for tinker resistance. Here’s why using one is advantageous:

Organized
Even if you’re not taking the money to the bank, you can just make use of the cash bag to organize crisp bills to your very last dollar. You can easily stash your $1,000 bills in one edge and the $100 bills on the other, which makes identification and also calculating easier to handle.

Protection
Cash bags offer you the safety you require just like a bank vault. Although it isn’t made from the sturdiest steel known to man or contains hi-tech pass codes for it to open, all of your valuables are maintained secured in one location– which makes it obtainable just to you. Paper envelopes in which to stash your funds dont cut it; they get effortlessly soaked and ruined, as well as rips by itself when totally wet. A cash bag is resistant to water damage.

Benefit
A common bank deposit bag would have tags or labels attached to them, which makes money identification for you efficient. You could write crucial info on the labels like the bank name to which the cash is being transferred and your personal info, as well. You could even organize funds according to color schemes (i.e. green bags for $1000 bills, yellow bags for $100 and a real zip-on sack for coins).

Easy to bring
The wonderful thing about bank deposit bags is that they have comfy handles which makes it simpler for you to carry them. No matter precisely how heavy the load is, the handle will not snap, completely stitched as it is to the bag. This comes in handy if you must exchange all those hefty coins into bills.

Space
Bank money bags may roomy enough to accommodate as numerous bills as possible. They’re obtainable in all shapes and also sizes, which implies you could stash your bills, coins, jewelry, and also other items you need to take to the bank for safekeeping. Go to ehow.com for even more information.

The Lowdown on the Orchard Bank Secured Credit Card

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When your credit history is proving to be a hindrance to your financial well-being, perhaps it is time for you to get a secured credit card. One of the cards worth your consideration would be the Orchard Bank MasterCard secured card issued by the HSBC Bank of Nevada.

This card targets customers with poor or limited credit ratings, and aids them towards improving their credit histories. A secured credit card works by requiring the card holder to deposit cash into their credit card account prior to utilization. This way, this credit card prevents its card owners from incurring more debt whilst helping them re-establish their credit history.

An additional advantage unique to this card is that the deposits in the account are paid interests by the bank. In the effort to establish a healthy credit rating, customers must bear in mind that late payments must be avoided, and they have to be aware of the current annual percentage rate for the card as the APR of the Orchard Bank Secured Credit card is based on a variable rate. Although, the regular rate now stands at 15.90%, the actual rate is dependent on the Prime Rate. APRs for cash advances are higher than most cards at 23.40%, with a minimum rate of 19.99%.

Interestingly enough, the annual fees for the Orchard Bank Secured Credit Card is lower than other most unsecured credit cards. Balances above $1000 will only incur fees of $35 whilst card holders who have charged more than their credit limits will only be charged only $29. Also, there are periodic reviews of the credit limit for each account, so regular payments will enable the card holder to obtain higher credit limits and at the same time improving their credit history.

Finally, the Orchard Bank secured credit card also offers a lot of perks not evident in other competing credit cards. These would include Internet services, emergency replacements for stolen cards as well as numerous protection services against fraud and identity theft.

Have your tax returns 2012 back in your bank account

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For many people, paying money in excess on taxes is something that could happen. If you are one of them, you should know that all that money is not definitely lost for you. Specialized companies may be authorized to bring your tax back 2012. If tax returns 2012 are due to you, then you can be sure that the money will be soon in your bank account. Just call such a company and let them start a simple procedure meant to recover the money without requiring serious involvement from your part. Be sure that such companies are very effective and will save you a lot of stress and money.

To have tax returns 2012 back to you, there are two ways. One of them implies your deep involvement, which means you should deal with this by yourself. Of course, you may succeed to get the money back, but at what price? Just put in balance the stress you will experience and you will see it is not worthy at all.

A second way, which you are advised to follow, is to contact a specialized firm, which has the expertise and experience to deal with such situations. They will not ask you to pay any fee in advance and will offer you a free of charge analysis of your tax situation, telling you exactly what is the maximum amount of money that you should get back.

The whole communication with a company of this kind is by email, phone, or SMS. After contacting them, you will be called back and asked to send them any documents you have, related to tax payments. An accountant with many years of experience in taxes will then contact you to discuss deductions and rebates you should benefit from. After a thorough analysis, the final amount to recover will be communicated to you and you will be asked to authorize the firm to represent your interests and get your tax back 2012.

As you can see, your efforts are at a minimum level, because you do not need to even leave your home to follow their simple procedure. Moreover, you can stay in your armchair and spend your time as you wish, while they will work to lodge the money in your bank account. This will happen the very same day you authorized them, or even in less than one hour from that moment.

It is even possible to get back money you already considered lost, like money paid in excess in 2011. The company is able to retrieve your entire PAYG history and see exactly what amounts of money are due to you form past years. If you paid money in excess on taxes last year, you can have your tax back 2012. Contact a specialized company that will bring your tax returns 2012 back in your bank account in a very short time.

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