E-Banking

E-banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA), automated teller machine (ATM), kiosk, or Touch Tone telephone. While the risks and controls are similar for the various e-banking access channels, this booklet focuses specifically on Internet-based services due to the Internet’s widely accessible public network. Accordingly, this booklet begins with a discussion of the two primary types of Internet websites: informational and transactional.

ADVANTAGES

° Bank availability 24h, 7 days a week, 365 days a year

° No time limit access into account

° Immediate realization of payment operation orders

° Advance value date fixing when sending orders

° Monitoring account balance in different time periods

° No additional commission for executed payment operations

DISADVANTAGES

° Compelled to have Computers with Internet Access

° Phone bills can increase

° Hackers may intercept data and defraud customers

° If the bank's server is down, you can't use it

° Many banks don't show you how to use online banking

° Your internet connection must be working in order for you to have access

FEATURES

Online banking solutions have many features and capabilities in common, but traditionally also have some that are application specific.

The common features fall broadly into several categories

Transactional (e.g., performing a financial transaction such as an account to account transfer, paying a bill, wire transfer... and applications... apply for a loan, new account, etc.)
Electronic bill presentment and payment - EBPP
Funds transfer between a customer's own checking and savings accounts, or to another customer's account
Investment purchase or sale
Loan applications and transactions, such as repayments
Non-transactional (e.g., online statements, check links, cobrowsing, chat)
Bank statements
Financial Institution Administration -
Support of multiple users having varying levels of authority
Transaction approval process
Wire transfer
Features commonly unique to Internet banking include

Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.
The impact of E-transaction and authentication issues in banking

It's hardly great news that there has been tremendous growth in the use of the Internet and other electronic facilities to process financial transactions. According to the Federal Deposit Insurance Corp., transactional Web sites have more than doubled each year for the past six years, growing from one in 1995 to nearly 2,500 in 2000.
This growth is a reflection of the fact that over the past few years, financial leaders have been consider­ing various ways in which to allow their customers to transact business using the Internet. This objective is now reaching beyond the financial services industry into non-electronic business segments, such as the build­ing supply industry. Furthermore, this growth is likely to continue to climb as the number of Internet users, Internet connection speed, and the number of transactional Web sites continues to increase. The number of adults using PC banking is also growing. With this growth, there is an increased aware­ness of the benefits of using online transaction processing, thereby fuel­ing the thought that all business should be electronically facilitated.

Gartner predicts that worldwide business-to-business (B2B) e-commerce will total $3.6 trillion by 2003 and $8.5 trillion in 2005. Online financial activity had a slower start, but has had steady growth, from 6 million users in 1998 to 27.5 million users in 2000. During 2000, only 30 percent of the Internet-capable households were using some form of Internet banking, indicating that there is tremendous room for increased use.

Banking and Financial Services – Essential Part of Everyone’s Life

Nowadays, Banking and Financial Services are an essential part of everyone’s life. Every day people use different types of banking and various financial services. Some examples include paying utility bills or insurance premiums, shopping online or through Debit/Credit Cards. These technology driven banking and financial services have simplified transactions and made life easier.

Why Banking and Financial Services?

No one is left untouched by the impact of money. We all have to rely on banking and financial service providers for effective use of our money. Be it lending, investment, or insurance, people need to depend on banking and financial service providers.

Life in the digital age has become somewhat more secure and simpler through the implementation of beneficial banking and finance practices. Different banking services provided by major banks like personal banking, enterprise banking solutions, and investment consultancy help investors properly utilize their money with the aim to grow and gain future financial benefits. There is protection which consumers may be able to obtain to ensure that your investments are protected. Insurance companies provide protection from several uncertainties that may come without notice. Life and non-life insurance covering all kinds of emergencies give people peace of mind.

Apart from that, several financial institutions provide consultancy for the right of investment so that your money is invested in the right place and your can enjoy the maximum possible benefits on your invested money. Your investments may also help in tax savings and other economic benefits.

Credit Services – Economic Relief When You Are in Need

Credit/lending services are among the most popular segment of modern banking and finance industry. We come across several situations in life when we face some sort of cash crunch at a crucial moment in life. Its times like these when banks and lending institutions come to the rescue by offering various credit schemes and loans. In addition to this consumers may also need credit to turn their dreams into reality (like buying a luxury vehicle or a dream house). This is where banking institutions can also assist us.

Credit services may help people by increasing our quality of living. Banks and lending agencies provides credit for almost every need. You can get loans not only to purchase a dream house, or luxury vehicles, but also for emergency medical treatments, higher education, or even a loan for a wedding.

In summary, different types of banking and financial services are an essential need for everyone. One cannot expect to live a comfortable financial life without the right banking and financial services assistance and security.

Small Business Banking - How an Effective Banking Solution Will Help Your Small

“Our aim is to support various small business or professional business to develop their initial effort and it will make a better accounting. When it is possible, it’s make it stronger position for rapid competition.”

Bookkeeping Services India includes different types of services to middle level and also lower level business. With a minimum budget, the firm requires a investment to develop, but required to meet their books in sequence before getting a investment will be happen.

The Indian level staff of professional outsourcing bookkeepers and accountants will work thru the company 2008 record to create a comprehensive set of financial database and information using E-books. Bookkeeping will continue to provide monthly bookkeeping services on a pre bono basis same way as to help the charity.



A company should devote at least 40% of their cash and time to income generating. Too many small businesses are unaware of the amount of money and time they spend generating income or the amount is wasted.

There are so many new software programs for small businesses that many new business owners are starting to think that small business and ecommerce businesses do not really need to be concerned with record keeping. This is a myth. Just because your spouse and best friend don’t consider your business real, the auditors and revenue agency will hold you to the same rules and regulations that apply to multi-million dollar corporations.

In limited time, accurate bookkeeping accounting information helps any company for a better manage and extract their targeted goal.

About Bookkeeping Services India:
(www.bookkeepingservicesindia.com) utilizes a 100% U.S. Based staff providing outsourced online bookkeeping help and accounting services to small, mid-size and speedily developing organization. The Hitech Bookkeeping Company is famous to achieve targeted goal of customer and apply all efforts for best output.

Five Reasons Not To Combine Your Small Business And Personal Banking

When starting a small business one of your primary concerns should be the banking services you employ. Those who are starting out often think that by mixing their personal and small business finances they will have greater efficiency and far less stress. Many part time business operators often use their personal account to carry out their business banking functions but on the whole, this kind of strategy should be avoided.

There are many reasons to have distinct personal and small business banking options for your company. A common misconception is that by combining finances it will be possible for your business to cut out extra banking charges that come as part of having a small business account. In effect however, while you may be avoiding the odd charge, you could be hurting your financial position.

The first reason not to mix your personal and small business banking is down to expenses. Government legislature makes it quite clear that it is only possible to write off expenses if the company has a business account. By keeping you finances in your personal account it will seem that your business is purely a hobby. The longer you do this, the harder it will be for the government to recognise the validity of your company and hence, harder to retrieve expenses and VAT charges.

The second reason is down to transparency during the tax calculation period. When you have to declare income and earnings you will have to spend a considerable amount of time separating all of your personal transactions from those of your small business. This can be a major banking headache and the time you spend combing your statements could be better spent devoting your energies to improving the profitability of your company. A separate business account will make the position far clearer and easier when it comes to the time of tax returns.

Thirdly, while there may be no law enforcing that a small business must have a specialist banking solution, it is not always advisable to ignore the benefits in terms of record keeping. You must have accurate records of your transactions throughout the year. These records must be complete and show the income and expenditure of your small business. Once again, a specialist account will mean that your records come in their own statement and hence are clear and transparent audit trail will be created.

Fourthly, your business could be harmed when mingling your finances by missing deductions that you may be entitled to. The statements of a combined account will be a mess of transactions and the chances of you missing a transaction that you may have given you a deduction is quite high. These can be detrimental to your profits and when you consider the time and energy either you or your accountant will have to spend raking the records, highly wasteful.

Fifth and finally, it may seem a minor point but by not having a separate account for your business, the professionalism of your services can be seriously affected. For instance, a customer writing a cheque to your business in your name may eventually see your company purely as a part time operation. Even if it is part time, do you really want your customers thinking that?

Taking the time to look into specialist banking services for your small business will be ultimately rewarding. Remember to research different account packages and find the one that most suits your type of company. The question you need to ask yourself is that while you may think that combining your finances is a good idea, can you really afford not to keep them separate?

Becoming Your Own Banker: the Infinite Banking Concept

What is the banking process?



One of the fundamental principles of wealth is that anytime you can redirect interest that you are currently losing to banks or other financial institutions back to yourself or an entity you own, you are safely and significantly increasing your financial worth. Implementing the Infinite Banking Concept will do exactly that, redirect this interest back to you, with additional growth and tax advantages.



The average American spends 34.5 cents of every dollar on interest alone. On the other hand they are doing everything they can to save even 10 cents of every dollar (average saves 5), a 3.45 to 1 ratio of interest to savings. Instead of searching for a higher rate of return and risking those hard earned dollars, changing the environment in which your money is working will dramatically change your financial status. Imagine a plane flying at 100 miles per hour, a relatively good speed, but the actual speed relative to the ground will be determined by other factors as well such as a 345 mph headwind. How fast is the plane going now? Still 100 mph in speed, but relative to the ground it is actually going in the reverse direction 245 mph. The pilot might as well ground the plane and wait it out, its only doing him worse. Now let’s imagine that he waits for a 345 mph tailwind. He is still flying his plane at 100 mph, but this time with a powerful tailwind that brings his actual speed, relative to the ground, to 445 mph! A 690 mph difference all because the change in environment.



The same applies to infinite banking. In the case of flying an airplane you cannot necessarily change the environment, but in the financial world you can. You see, most financial advisors are trying to increase the “speed of the airplane.” Going from 100 mph to 110 or 120 mph is not the answer to the problem. It’s the environment. Implementing the principles of Infinite Banking will create as radical a change to your financial situation as the change in wind is to the airplane.

What Are Merchant Bank Solutions?

Every company that wants to be successful needs to be able to accept credit card payments. While certain companies manage to find success with cash only operations, most falter. Those who are not fully prepared for credit card payments may not understand how they can fully accept these payments. Merchant bank solutions can help these companies to process the credit card payments, allowing them to accept all payments.

Merchant bank solutions make it easy to process these cards. Credit card payments can be a difficult for small, start up companies. The credit card process requires an Internet connection. The process requires that the actual card number be verified and accepted for payments. From that point, the payment is actually charged to the credit card. The company using the merchant bank solution will see this before they accept the payment and make the transaction final.

Merchant bank solutions are the only way that companies can feel that their payments are secure and legitimate. Companies that write down credit card numbers for various transaction have no way of knowing if the payment is backed by credit or by actual cash. They take a risk, knowing that if the payment does not go through, there will be a long process involved to actually receive payment.

Merchant bank solutions allow you to skip this step. You process the actual card payment on the spot. If the card is declined, you can inform the customer and let them choose another way for payment. If they have none, the transaction is canceled. The customer does not get the item or service, but the company does not lose money on the deal.

Merchant bank solutions are done through an actual credit card terminal. This credit card terminal is what many see in stores. The credit card terminal is the piece of technology that the card is swiped through. The information of the card is bounced back to the merchant bank solution so that it can be verified. Often, the terminal will ask the company to type in the number of the credit card. From that point, after verified, the company will type in the cost of the product or service. This entire transaction only takes a minute or two. Merchant bank solutions make it incredibly easy for companies to take in credit cards in a secure way.

As with any product or service, there are rates that are had for using the service. There will be a charge for the actual merchant service. There will also be the general credit card charge that is charged to the company, not to the purchaser. These charges need to be considered by those looking for credit card services. Although there may be extra rates, the merchant bank solutions make it possible for your company to be successful. They make it possible for you to be able to accommodate most customers and consumers payment types.What are Merchant Bank Solutions?

Long-term capital, sourced from other investment pools, allows companies to diversify away from traditional bank debt markets.

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Banking Solutions for All Banking Needs
Posted: Sep 15th, 2008 | Comments: 0 | Views: 38 |
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Banking Solutions for All Banking Needs

Author: Lori S.m. Hollenback

History of banks

The first modern bank was founded in Italy in 1406 and was called Bank of St. George. Since 1406 banks have sprouted all over the world and have created different specialties for financing. For example, retail banking mostly refers to a regular bank that deals with deposits and withdrawals between the consumer and the bank. Commercial banking refers to banks that mostly work with deposits and small business lending from corporations and large businesses. Investment banks work with stocks, bonds, mergers and acquisitions for corporations. As our society and business world becomes more complex, financial institutions are following suite and are specializing to fit our needs.



Retail banks specializing to fit our needs

Not only have banks specialized to fit our business needs they’ve also adjusted to meet our personal needs. As technology advanced and internet, World Wide Web and email was created we started doing more work more efficiently. We’ve become dependent on computers to speed up processes. For example, before computer technology, businesses would have to travel to meetings across town or even across state. Now, with internet and computers, businesses can save time and money and conduct a web meeting with anyone from anywhere at any time. With this business technology being used everyday why would consumers want to personally travel to their local retail banking businesses to take care of their banking needs? The days of waiting in line at the bank with two forms of ID on pay day are over. Now companies can direct deposit your paychecks straight into your account. And, forget about writing checks to pay bills you can now go online and pay your bills with the click of a mouse. And, if you need to move money from one account to another just do it online.



Commercial Banks

Commercial banks have been created to specialize in withdrawals, deposits and loans for corporations or large companies. Small business lending is part of the services that commercial banks provide. And, with the technology advancements, commercial banking has stepped up and made it easier to apply for small business loans with a quicker approval process. A lot of banks have done this by implementing business rule engines and automated decisioning software which speeds up the approval process. These types of investments allow consistent and accurate evaluations of applications and gives results in a timely manner. This is beneficial for the applicant and the financial institute. The quicker approval process allows the customer to build their location faster or fix that broken sign faster and it allows the financial institutions to do more loan volume.



Investment Banks

Investment banks work with stocks, bonds, acquisitions and mergers of corporations. The biggest change with these types of banks is the capability of being able to go online and trade your stocks and bonds in real time. The advance in this technology has given some talented people a way to earn a living by sitting in front of their computers and tracking their investments.

Banks have certainly adapted to the personal and business lifestyles of today and have saved consumers, business owners and investors a lot of time and sometimes even some money for providing so many online banking solutions.

About the Author:

About the author: Laurie Hollenback is a freelance writer for Innuity. For more information about retail banking or small business lending , visit ZOOT.

Article Source: ArticlesBase.com - Banking Solutions for All Banking Needs

History of banks
The first modern bank was founded in Italy in 1406 and was called Bank of St. George. Since 1406 banks have sprouted all over the world and have created different specialties for financing. For example, retail banking mostly refers to a regular bank that deals with deposits and withdrawals between the consumer and the bank. Commercial banking refers to banks that mostly work with deposits and small business lending from corporations and large businesses. Investment banks work with stocks, bonds, mergers and acquisitions for corporations. As our society and business world becomes more complex, financial institutions are following suite and are specializing to fit our needs.

Retail banks specializing to fit our needs
Not only have banks specialized to fit our business needs they’ve also adjusted to meet our personal needs. As technology advanced and internet, World Wide Web and email was created we started doing more work more efficiently. We’ve become dependent on computers to speed up processes. For example, before computer technology, businesses would have to travel to meetings across town or even across state. Now, with internet and computers, businesses can save time and money and conduct a web meeting with anyone from anywhere at any time. With this business technology being used everyday why would consumers want to personally travel to their local retail banking businesses to take care of their banking needs? The days of waiting in line at the bank with two forms of ID on pay day are over. Now companies can direct deposit your paychecks straight into your account. And, forget about writing checks to pay bills you can now go online and pay your bills with the click of a mouse. And, if you need to move money from one account to another just do it online.

Commercial Banks
Commercial banks have been created to specialize in withdrawals, deposits and loans for corporations or large companies. Small business lending is part of the services that commercial banks provide. And, with the technology advancements, commercial banking has stepped up and made it easier to apply for small business loans with a quicker approval process. A lot of banks have done this by implementing business rule engines and automated decisioning software which speeds up the approval process. These types of investments allow consistent and accurate evaluations of applications and gives results in a timely manner. This is beneficial for the applicant and the financial institute. The quicker approval process allows the customer to build their location faster or fix that broken sign faster and it allows the financial institutions to do more loan volume.

Investment Banks
Investment banks work with stocks, bonds, acquisitions and mergers of corporations. The biggest change with these types of banks is the capability of being able to go online and trade your stocks and bonds in real time. The advance in this technology has given some talented people a way to earn a living by sitting in front of their computers and tracking their investments.
Banks have certainly adapted to the personal and business lifestyles of today and have saved consumers, business owners and investors a lot of time and sometimes even some money for providing so many online banking solutions.

Why An Extensive Banking Strategy Is Important For Your Small Business

You may be a small time entrepreneur just starting or a business or an executive with years of trading experience, either way you need to recognise the importance of efficient business banking. Your choice of account is a fundamental element in your business banking strategy and something that could seriously affect the progress of your business, be it large or small. Here are few advisory tips to help the small business owner to make the right banking choices and give your business the best chance of success.

If you are starting out as a limited company you will need to open a business account. While this may seem a chore, it is surprising how having a specialist business banking strategy can aid the clarity of your finances. On the other hand if you are operating as a sole trader you small business will not have to have its own account, you will be able to combine your personal and business finances. Finding a banking solution that accommodates both the needs of your small business and your personal life can be difficult, often, even as a sole trader it can be beneficial to have a dual banking strategy.

Another element of your business banking strategy should be the inclusion of a small business team in your account package. The advice that can be offered by these professionals can be invaluable and can help your business achieve success. While this type of banking solution may cost a little extra if you are not up to date with the latest financial developments, the effects can be catastrophic.

Of major importance for your small business is the banking charges that may be applicable to your account. Some of these fees will be fixed on a monthly basis while others may be based upon a pro rata system for each individual transaction that may be carried out. If your business is likely to perform many transactions it is advisable to take a monthly fixed charge option as it will probably work out cheaper.

Finding out about which banking extras come with your banking agreement is also important. These extras may include credit cards, free statements or internet and phone banking, which can be a beneficial. Some of these extras will be free for an initial period, so be financially wise and take advantage of this period and take all your can, after all when starting in business, the more help you can get while your business is small will pay dividends in the long run.

After making a detailed comparison of the different banking solutions offered by banks it will be time to open an account. Depending upon what type of company you will be running there are various pieces of information and documentation you will need for the process. Some banks may even ask for a business plan before they allow you to open account, this is an insurance on their part to assess whether your business model and idea is viable.

If starting a limited company you will need a Certificate of Incorporation before your banking can begin. You will also need several forms of identification, for yourself, but also for any other signatories that may have access to the account. This list of signatories will also need to be produced so the bank knows exactly who will have access to the funds.

It is worth remembering that you are not tied to any bank or account for life, it is possible to change. If you do sufficient research however you should not have to change and your business should benefit from having an effective banking system behind it. By following this brief advice you should be able to find an account that fulfils your business' needs and adds to the chances of success

business banking solution

Opening a business account is a crucial element of starting up a business. While it is not a legal requirement, the benefits listed below must be considered by all fledgling businesses. Some banks offer a period of free business banking upon opening your account.

Your account will often be supervised by a named business manager. This means that you will have a valuable working relationship with a business specialist who will be familiar with, and sympathetic to, your unique business needs.

Your business manager may recommend business insurance, which could offer valuable support if the unexpected happens.

A business overdraft or business loan may provide you with much more scope and flexibility to raise finance than a personal banking account ever could.

A business credit card is another flexible solution to developing your business, and could come in handy for making large one-off payments or for handling expenses.

Allowing multiple employees of your business to access a single personal banking account would be a complicated procedure. However, this is a simple process with a business account, which could prove particularly useful if you are planning on growing your business and taking on more members of staff.If you are thinking of buying property for your business you could ask your business manager about a commercial mortgage. Commercial mortgages can usually be arranged directly through the business service of your bank.

As well as providing you with internet banking, your bank may also offer you special deals on accounting software and other IT needs. Keeping a business account separate from your personal banking account is a good idea for several reasons. To begin with, your cashbooks will be a lot easier to balance. And, if you choose to employ an accountant, it will be simpler for him, and cheaper for you, to organise your finances. More crucially however, opening a business account, like registering your own business name, is a significant step in getting your business off the ground, and turning your business idea into a reality.

Running your own business can be very rewarding however it is certainly challenging too. You will find yourself working long hard hours and making difficult decisions day in day out, so it is definitely not an easy option. A heavy dose of realism and plenty of research is a must before you take that first step and approach your bank manager for finance.

In addition it is sensible to create a good business plan when you are starting up and it cannot be overstated how important a business plan is. Although the initial objective of the document is to help you raise finance for the business, it will also help you understand what you wish to achieve from the business and is an essential document to review the performance against your projections and can alert you to anything that is not going according to plan.

How An Effective Banking Solution Will Help Your Small Business

appeal of starting your own business is certainly strong. Becoming your own boss, controlling your own hours and having staff working to earn you money are of course ideal. This is however a wholly unrealistic view of starting your own business, in reality it takes a long time to achieve success, a lot of effort in planning, such as banking and accounting solutions and in general a great deal of work.

A small business is certainly not an easy ride to profit and a simple life. The work you will have to put in, to your business plan, the banking options and the drive you must have to achieve success are all extremely time consuming. Instead of planning for an easy time on a Caribbean beach while your workers feverishly work should be forgotten. More realistic is that you will spend sleepless nights and hours filling out endless paperwork. That is not to say that owning your own business is not a joyous experience, owning and working towards building something of substance can be seen as one of the great pleasures in life.

One of your first decisions when you have decided on what your small business is going to do is to find a suitable banking solution that will enable your finances to be looked after solidly and yet are free enough for further investments. Generally the advice from financial experts is to split your personal and business banking services. This is mainly due to the fact that it is advisable not to give one bank control over all aspects of your financial situation. Added to this, by finding a separate banking solution it is more likely you will find better offers.

Selecting a banking solution for your small business requires a look at how your company operates and then selecting services that will suit these operations. For instance, if you are likely to be performing many cash transactions it is worth finding a banking solution that will charge you for these transactions monthly rather than on a pro rata basis. In the same way, if your small business requires credit card transactions on a regular basis, your banking system should meet this requirement.

As you start your small business you may want to take out a loan rather than utilise a banking overdraft. While this will be advisable for most and overdrafts have taken a bit of a battering in the press over the last few years, their value should not be discounted. This safety net can be extremely useful for your business, tiding you over while payments are awaited and even allowing you to pay rent and amenities before the funding has come through. This kind of banking solution has proved worthwhile for many small business owners as they struggle through the initial stages of the business. As long as you can repay it regularly and are not constantly in the red, they are a brilliant solution to the cash flow problems we all encounter.

Whatever you plan for your business an effective banking solution is a prerequisite. Starting a small business, as stated before is not an easy task; it can in no way be described as simple and laid back. If you feel that you have a chance of success a bank will be able to help you, whether this is through loans, an overdraft or effective account services all should be considered to give you that extra helping hand

7 Reasons To Utilize Online Auto Insurance Free Quotes

For some drivers, deciding to change from one auto insurance company to another company can be intimidating, especially when they think about any additional expenses that could come with it. Fortunately for consumers, using our free quote comparison tool will help out even the stingiest of people while we give away (again, for free) quotes offered by other insurers. These quotes can be used to find better prices or better overall companies. Some reasons to use our free quote service:

It’s Free: Using our quote comparison tool is 100% free, and there are no obligations to purchase anything or hidden fees that will spring up on you. Hardly anything is that free anymore and will usually come with a catch. Rest assured that here on OnlineAutoInsurance.com we are not fooling anyone when we claim our quote comparison service is free. We offer these services, both our quote comparison tool and informative articles on car insurance, to every driver no matter where they live or what their driving record is like.

Get More Coverage: When you use our free quote tool, you are able to look and see what a new policy could cost you. You can play around with the amount and type of coverage you want to purchase to see if you could get more coverage for the amount your are currently paying. Don’t hesitate to go back through the questions again and alter the answers to those coverage questions. This will give a better idea of how much coverage you can afford. Without going through and changing the options and amounts, you won’t know how much coverage you should purchase. Every driver should have as close to full coverage as possible to help alleviate any financial headaches at the time of an accident. Full coverage can help lessen the amount of out of pocket expenses you’ll wind up paying.

Find The Best Company: It’s easy to tell that there can be more than one company considered as the “best” auto insurer because there are so many drivers on the road that have their own opinion. Often, these opinions don’t match with one another. However, because our quote comparison tool gives multiple quotes from more than one company, the door is opened to the consumer to check out these other companies to find which one suits their situation best. Looking at each company’s price, coverage options, terms, and customer service rankings can give the driver a better idea about the company.

Accurate Estimates: We have teamed up with a brokerage firm who helps provide the quotes. With us, them, and the insurers working together, we can give out quotes that accurately portray what the policyholder will be paying if they decide to purchase the policy. Please keep in mind that the answers to the questionnaire are what help determine the rates. If any question is answered falsely, the rate will change at the time of purchase due to the insurer double checking the given information. It is possible to purchase a policy from the given quotes by clicking on the chosen policy price. The person will just need a credit card to pay for it, and in some cases a proof of insurance card can be printed out right away on the home computer.

Find Local Auto Insurance Companies: When searching for an online quote on our site, we will also provide the names of the companies who are offering them. These companies are reputable and just as importantly, they serve the local area. Going through the phone book will provide names of local insurers, but that takes a lot of time especially if a person decides to contact each of them to find out their current rates. Using our free quote tool helps everyone save money by showing different options in price, but it also saves people time by cutting out the hassle of contacting every company.

Get Low Rates: Finding a list of quotes and comparing them make it easier to find the low rates that are being offered. Of course anyone can contact each individual insurer in the local town, and even the ones in the entire area. But this takes time, which is something not everyone has. When a driver is looking to find low rates for an insurance policy and doesn’t have much time to spare, they should utilize our quote comparison tool to get their free quotes. In addition to being a free service, there is no limit to how many times a person can use it. They can evaluate how much it would cost to add more coverage to their policy or lessen the amount of coverage they have. Making use of the free quotes will help give a driver the advantage and find low rates.

No Personal Information: When someone is getting free online auto insurance quotes, there isn’t any need to provide personal information in the questionnaire. Data such as the driver’s age, address, marital status, etc will be needed to asses the driver and form an amount to charge for the premium. Information that is not needed in this process is the private personal type, such as a driver’s license or a social security number. We know this information should be kept confidential and not be used to only get a quote. However, if the person decides to purchase a policy after viewing the quotes, the driver’s license or social security number will need to be given to the insurance company so they can properly identify the driver, but only at that point. As long as the questionnaire has been answered accurately, there will usually not be any difference between the quote and the final price of the policy.

Free quotes are easy for any driver to obtain when they use our site. Look for the white box asking for the local zip code to begin the process. There are advantages to checking out these quotes, even if there is no intention on purchasing a policy. Knowing what other companies are offering for the same policy owned can show the policyholder their options and what other drivers are paying.

Home loan

With mortgage rates holding below 5%, there has rarely been a better time to refinance your home. But with a one-two punch of tighter credit and falling prices roiling homeowners, the process has never been more difficult.

In the Sacramento, Calif., area, Michael McGee of Winchester McGee Financial estimates that one in four of his customers can't get a loan approved. In Plano, Texas, Rodney Anderson, a mortgage lender, says the rate sheet of mortgage programs he can offer customers has shrunk to two pages from 42 during the housing boom.


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That doesn't mean you shouldn't investigate your options. Lowering your mortgage payment — or at least locking in a long-term low rate — can free up cash for other needs, such as repaying other debt or replenishing your retirement accounts, while reducing your financial stress.

In addition, if you're older than 40, shortening your mortgage term now could help leave you mortgage-free in retirement, reducing the income you'll need to generate from your battered 401(k).

But before you jump in, you should know that most single-family home loans today need to fall within Fannie Mae and Freddie Mac limits — up to $417,000 in most places, and up to $729,750 in certain high-cost cities such as San Francisco and New York. "Jumbo" mortgages, or those larger than those limits, are still very hard to find.


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Then you'll need two crucial and tough-to-acquire bits of information: your credit score and your home's current value. Those will determine whether you can refinance at all and how close you can get to the lowest rates available. Even then, you may find the process unusually long and unpleasant; some banks are taking up to 90 days to complete a refinancing

Auto Loans

There are so many auto loans companies out there today and securing an auto loan has never been easier. Do not listen to people who tell you that car loans are a bad idea because the truth is that there has never been a better time to receive car financing. Interest rates are extremely low right now and most dealerships have dropped their car prices considerably. We are in the auto loans business to ensure that you are able to secure a great rate on a loan, even if you suffer from bad credit.

What we do is compare the auto loan rates that are offered by different lenders all over the country in order to find the best possible rates for someone in your position. Certain lenders will be more likely to give great rates to those with great credit, while others are more likely to cut a deal for those with bad credit. You can leave all of this legwork up to us, however, as we will take a look around and see what we can do for you.

Bonds

In finance, a bond is a debt security, in which the authorized issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay interest (the coupon) and/or to repay the principal at a later date, termed maturity. A bond is a formal contract to repay borrowed money with interest at fixed intervals.[1]

Thus a bond is like a loan: the issuer is the borrower (debtor), the holder is the lender (creditor), and the coupon is the interest. Bonds provide the borrower with external funds to finance long-term investments, or, in the case of government bonds, to finance current expenditure. Certificates of deposit (CDs) or commercial paper are considered to be money market instruments and not bonds. Bonds must be repaid at fixed intervals over a period of time.

Bonds and stocks are both securities, but the major difference between the two is that stockholders have an equity stake in the company (i.e., they are owners), whereas bondholders have a creditor stake in the company (i.e., they are lenders). Another difference is that bonds usually have a defined term, or maturity, after which the bond is redeemed, whereas stocks may be outstanding indefinitely. An exception is a consol bond, which is a perpetuity (i.e., bond with no maturity).

Debenture

A type of debt instrument that is not secured by physical asset or collateral. Debentures are backed only by the general creditworthiness and reputation of the issuer. Both corporations and governments frequently issue this type of bond in order to secure capital. Like other types of bonds, debentures are documented in an indenture

Debentures have no collateral. Bond buyers generally purchase debentures based on the belief that the bond issuer is unlikely to default on the repayment. An example of a government debenture would be any government-issued Treasury bond (T-bond) or Treasury bill (T-bill). T-bonds and T-bills are generally considered risk free because governments, at worst, can print off more money or raise taxes to pay these type of debts.

Auto Insurance

Since 1937, Progressive has provided auto insurance at competitive car insurance rates to customers across the country. With Progressive, you can purchase auto insurance, motorcycle insurance, boat insurance, RV insurance, commercial auto insurance, homeowners insurance and more. So, when getting a car insurance rate, remember your other vehicles, too. With our car insurance rates, your savings can add up!

We're one of the largest auto insurance groups in the country – a spot we’ve earned by providing great auto insurance coverage, competitive car insurance rates and superior service. Choose Progressive for a low car insurance rate and see how our car insurance rates and great service can help you.

Auto insurance and so much more. Now that's Progressive

SHARE

Serving the enterprise IT community since 1955, SHARE is an association of organizations composed of more than 2,000 member companies, representing thousands of IT professionals worldwide. Read about SHARE’s history and vision in the "About SHARE" section.

SHARE hosts two conferences per year to provide a forum for attendees to interact, learn about issues most relevant to their business needs and gain access to the industry’s latest products and services.

life insurance

Life insurance gives your family protection and peace of mind. It's also fairly inexpensive, especially if you shop around. Insurance.com makes it simple to compare multiple life insurance quotes from top companies. Just enter some basic information to see the discounts and coverage options available from our partners. It's easy to get an online life insurance rate you can afford.

We think you should research and buy life insurance the way you want. When it's time to talk to someone about your life insurance quotes, you can call or have a licensed agent call you. Getting a good deal from a brand-name life insurance company doesn't need to be hard. We love insurance, and we're here to help.

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Corporate e - Banking

Finacle corporate e-banking is a comprehensive, corporate and small business banking solution providing a single unified view of corporate banking relationships across asset and liability products, limits, trade finance and cash management. It is designed to support multiple channels including the Internet and mobile, and can be interfaced with disparate host systems and third-party applications.

The solution is built on new-generation industry standard technologies J2EE and .NET. This empowers banks to provide their corporate customers anytime anywhere access to real-time consolidated information. It also offers banks the flexibility to go to market with an innovative product and service offerings portfolio. Finacle corporate e-banking solution is modular and enables banks to hand-pick from its comprehensive set of features. Additionally, the infrastructure services layer of the application provides a framework that aids in deploying new modules rapidly. The solution is multi-currency enabled and offers multilingual support.



Key Modules
Accounts and Transfers
Electronic Invoice Presentment & Payment (EIPP)
Payments
Collections Management
Liquidity Management
Reconciliation Reporting
Trade Finance
Business Benefits
Aggregated Cross Border Service
The corporate e-banking solution’s rich financial information portal provides corporate customers a comprehensive facility to view critical information and monitor transactions across geographies through a single interface. This plays a vital role in enabling the bank to provide all the global financial solutions demanded by business houses expanding their footprint across geographies.


Business Agility
Built on industry standard platforms J2EE and .NET, the corporate e-banking solution provides the bank tremendous flexibility to extend its product portfolio and customize the solution according to requirements. The architecture of the solution enables the bank to write business rules once and deploy them anywhere, add new rules, modify existing ones or integrate them with other applications seamlessly. The solution also provides an additional layer that can be extended to interface with multiple back office systems. All this enhances agility of operation, helping the bank identify new opportunities and roll out new products.


Robust Security
The corporate e-banking solution offers extensive application security features and provides a robust framework to integrate with specialized security software. This enables the bank to confidently offer products that are highly secure and geared to withstand the onslaught of security threats that abound around Internet transactions.


Lower TCO
The deployment of Finacle enables a relatively cost-efficient channel through which to serve customers. As the number of transactions completed on-line increases, the number of more expensive branch transactions decreases. This is especially true of small business customers who tend to use the branch as the primary channel. Greater automation and productivity, as well as reduced human error lead to increased cost savings. The thin-client architecture over the Internet also reduces maintenance costs associated with frequent upgrades and support.


Customer Delight
Finacle corporate e-banking solution enables subscription based alerts ensure that a customer receives requisite information through the preferred channel. This leads to greater convenience and enables better monitoring of banking transactions in real time.