• Keep your banking information secured

    Keep your banking information secured

    Don’t be astonished choosing a password for your Internet banking account is very important. Before you put your password for Internet Banking, make sure that you choose a password that only you can remember. A strong password has ideally at least 14 characters or more – certainly the more the better. The password must be composed of letters, numbers and other symbols. You can use upper and lower case to improve the complexity of...

    http://bank-rates.org/financial-consultant/keep-your-banking-information-secured
  • Alluring bank rates and easy profit

    Alluring bank rates and easy profit

    The banking industry is alluring. In the last ten years, competition among financial institutions has created many opportunities to make extra money with the best Bank Rates. There are two main reasons for this new competition: reduced regulation and appearance of the Internet. With widespread access to broadband, online banks can now offer loads of features that traditional banks can not. In addition, these online banks can offer the best...

    http://bank-rates.org/financial-consultant/alluring-bank-rates-and-easy-profit
  • Online banking: advantages and disadvantages

    Online banking: advantages and disadvantages

    Most online banks offer higher interest rates or other offers on savings accounts and other banking products because these banks have less overhead. There is not much building to pay and there are fewer employees. Account information and services are available 24 hours a day, every day. An exception to this rule would be for online banks may need to go offline for a couple of hours to update and maintain systems. Most online banks have no fees...

    http://bank-rates.org/financial-consultant/online-banking-advantages-and-disadvantages
  • What you need to know about bank rates

    What you need to know about bank rates

    People need the loans for different reasons and things. You can choose different loans, such as home loans, car loans, student loans, business loans and other types of loans. Don’t forget that the percentage varies in different types of loan . Banks will typically have lower percents in regards to percents match to other financial institutions. Before apply for a loan, you must know the rate of bank loans. If you need to buy a house for...

    http://bank-rates.org/financial-consultant/what-you-need-to-know-about-bank-rates
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Personal Income Drops in 42 States

By Allison Jones | Mar 30, 2010

The Commerce Department released a report Thursday showing that personal income in American households dropped in 42 states in 2009. Despite a recent report from the Federal Reserve that Americans got richer in the fourth quarter with an increased overall net worth, it seems that personal income took a slide for most Americans in the nation, possibly making saving money more of a challenge.

Net Worth vs. Personal Income

You may be wondering how Americans’ net worth increased by 1.3 percent in the fourth quarter of 2009, while personal income for the year seems to have dropped in most states. Its possible because they are calculated differently.

The net worth looks at the estimated balance between assets and liabilities (or gains and losses).

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Tags: 42 States, Personal Income, States
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When Do Americans Save More? (Infographic)

By Allison Jones | Mar 30, 2010

The assumption is that when times are tough, we have less money and so we save less.

And let’s just be honest, times are tough. But how tough? And exactly what is tough? We can define tough with a bad economy, but how does it relate to the political climate?

We pulled up some major political events and the savings rate for those eras to see what the data shows. To make it even more fun, we tossed in the immigration rate. What we found was the opposite of the above assumption – Americans historically save more during tough times.

Are you saving enough during this tough time?

See the full size infographic

Check out the full infographic

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Tags: When, When Americans
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Earn a .5% APY with a One Georgia Bank Savings Account

By Kenneth Moore | Mar 30, 2010

Diversifying your financial portfolio is an excellent move to ensure that the risk to your nest egg is mitigated. One such tool to incorporate into your strategy has a One Georgia Bank savings rate of .5% APY. Even though the earnings potential of this account is limited, depositors can use this savings account as a safe haven to build wealth before moving it to a more complicated investment.

The terms for customers wanting to partake in this savings account interest rate are very simple and include:

  • $100 minimum opening balance required
  • No minimum balance required to earn APY
  • Interest calculated on daily collected balance
  • Six monthly transaction limit
  • If transaction limit is exceeded, account holders will be penalized by $10 per violation
  • A minimum monthly balance of $500 must be maintained in order to avoid a $5 monthly service charge
  • FDIC insured

One Georgia Bank’s is located in Midtown and serves the Metro Atlanta area and has a grand, oak, hardwood floor that is 250 years old.

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Tags: Bank Savings, Georgia Bank, Georgia Bank Savings, Savings
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