Top 4 Credit Card Benefits For A Small Business

A business credit card offers many benefits to a small business. A business credit card helps to keep business and personal expenses separate. Having a credit card solely for business use can make a lot of difference in the business finances. Many small business owners do not understand how beneficial a business credit card can be.

Establish Credit And Creditworthiness

Just as you personally want to establish credit, your business needs to establish credit. It is common for small business owners to use their personal credit for their business credit, but this can get rather tricky. When it comes to taxes and financial liability it is much better for the business owner to keep personal and business credit separate.

Easier Accounting Saves Hassles

A business credit card will help simplify accounting. There will be no need to sort through papers to figure out business form personal expenses. Using a credit card, the purchases for the business are all in the statement. These figures can be easily transferred to the books. This helps to make accounting much easier by keeping expenses streamlined.

Simplified Spending

A small business owner may find himself having to okay purchases or write out checks for purchases made by employees. With a business credit card, the owner can get additional cards for those who have spending power. This will help cut down on time wasted getting purchases approved and also save money because far less checks will have to be written. It will make the business more efficient.

Reward Possibilities

There are many credit cards that offer rewards for purchases. With a rewards card a business owner can get an additional incentive by earning things like free airline miles, gasoline and even cash back on purchases. This is something that can be very helpful to a small business. Rewards are earned through purchases, so a business is earning something for money they would have spent anyway. It is like getting double for your money.

Business credit cards are a great idea, especially for small businesses. Many small business owners do not understand just how beneficial they can be, but as you can see they offer many perks. A small business owner would be very smart to get a credit card that will make it much easier on them in the long run. They will find they save money, save time and make the business more efficient and run smoother.

Insant Bank Of America Modification 7 Days Or Less

If you are trying to get a Bank of America Modification, this is the best program out there. Whether you have tried to contact your lender on your own or just want the best rate reduction possible, you have to read this.

Traditionally, modifications with B of A have been tough. Trying to get in touch with your lender yourself and getting it to go through was very hard for homeowners to accomplish. Now, you don’t have to worry about all that. You can find out if you are approved, what you new interest rate will be and what your new payment will be almost instantly. Plus, the loan modification can be completed in 7 days or less! This is so much faster than a traditional loan modification that can take two to three months to complete.

The benefits of this program are pretty clear:

1. You get to find out if you are approved within hours or days

2. You get to find out exactly what your new payment will be

3. You can now decide if pursuing a loan modification with Bank of America is benefitial to your situation or if you have to pursue another option.

4. You do not have to wait 2-3 months to find out if you are even approved or to complete the whole loan modification

5. There are no upfront fees with this program!

6. Get your new loan docs signed within a week or less

7. In many cases, your first payment can be pushed back a month or more to further ease your financial burdens!

This program is only offered by a few select companies. To get more information and to see if you qualify for this program, just click the links below and call the phone number or fill out the form. It could not be any easier to get a Bank of America modification! Don’t wait, this program may not last long…

Consider your investment plan carefully

Retirement is a necessary event which everyone faces in life. When one thinks of his income after retirement, several options arise. During his service, the person has to save some amount every month for his retired life. The person invests this amount in Annuity schemes which fetch him some periodical income so that after retirement he can lead a normal life. Before choosing the appropriate investment plan, the person has to evaluate his needs. His immediate commitments like education of children, expenses on health, renovation of house, legal expenses if any are some of the factors which may require careful consideration. The next question that he has to consider is the marriage of children, tour plans, etc.

Where to invest the savings?

This is a vexing question that needs careful consideration. Many employees invest the amount with their employers. In return for this investment, the employer normally gives the employee a fixed amount periodically as Annuity. Of course in the beginning the Annuity which the employee gets would seem to be reasonable. But with inflation, the fixed annuity will not be sufficient in the coming years. Even with an inflation of about 3% every year, in about 4 to 5 years the person will feel the financial crunch.

The alternative is to invest in Stock market. But this requires specialization and careful market analysis. Everyone may not have this quality. So this is a risky investment.

As an alternative, the employee can consider the investment plans offered by different investment companies. Many of the investment agencies have several attractive plans like Annuity with health insurance coverage for the spouse, burglary insurance, etc. Such investment could be another better option to choose.

Some persons may consider investing in real estate. But if such investment is made, the person may not have fixed returns unless the investment fetches him some amount by way of rent. If such investment is made when there is a favorable market, the value of real estate would appreciate and this may fetch attractive returns.

However, as far as investment plan is concerned, all that matters is the wisdom of the investor. Wherever necessary, he can take the guidance of professional investment planners who would be able to guide the investor appropriately.

The Art Of Body Modification Branding

Through the years, man has unceasingly found ways to express their innate creativity and uniqueness. This is evident in many works of art collected throughout the years. However, such ingenuity is not only confined in crafts, sculptures, and paintings. Some people have literally made their own body as their canvas! These people are not only content of admiring art pieces; they made themselves the living and breathing artwork. This is mainly because some people find extreme satisfaction on being different from the rest or getting the kind of attention they unabashedly seek. Hence, this gave birth to the art of body modification.

The art of modifying the human body was already practiced centuries ago in native tribes as a way of making themselves look more attractive for their mate. It has taken a lot of form, such as body tattoo, piercing and interestingly body modification branding. The latter is unquestionably an extreme art form since it requires burning a part of the skin to create a permanent scar.

Body modification branding or otherwise known as scarification have earlier been used in burning identifying marks on livestock. Centuries ago. Greeks used it as a popular form of punishment for slaves and fugitives. Law offenders are branded on their forehead as a blatant sign of condemnation and to intentionally spur social disdain and disgrace. However, this barbaric act was later banned since it violates the human rights act and is deemed to be an extreme penalty to bear for most people.

Nowadays, body modification branding still exists in some sectors of society. No longer as a severe form of castigation but as a voluntary mark of association to a certain group. This practice is quite common in fraternities and organized crime groups. The scar apparently becomes their official membership mark of some sort. Some people use the body modification branding as a right of passage, especially for people who are aspiring to be a member of an exclusive group.

The body modification branding actually has two methods: the strike, where the artist will use a piece of metal to burn the skin repeatedly and the cautery, which uses a cautery pen to make a permanent scar on the skin. Both produce similar results and the scar is something the person will bear for the rest of his life. People who practice branding would claim it is a freestyle form of art, but a lot of people think otherwise. To the eyes of many, it is still a callous act that should no longer be practiced in this modern age.

Find insightful and useful information about Marketing tools and Publicity at MarketingArticles.com.

Tips On How To Open A Bpi Bank Account

Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

Sweepstakes Scams Are a Form of Financial Elder Abuse

Sweepstakes scams continue to rack up victims, despite warnings to the public. Often, senior citizens are the target of these types of scams. Thus, sweepstakes scams are a form of financial elder abuse. In a typical sweepstakes scam, a fraudster contacts an elderly victim and informs them that they have won lottery. The catch is that the elderly victim is then told that they must send in money in order to collect the sweepstakes prize. California financial elder abuse attorneys warn senior citizens not to fall victim to sweepstakes scams.

Recently, the Federal Trade Commission announced that it is putting an end to one large sweepstakes scam based in Ventura County. The defendant in the case owned three companies that allegedly mailed out more than 3.7 million letters to people in more than 156 countries. In this case, instead of asking for large sums of money from senior citizen victims, they asked for smaller sums of money. California financial elder abuse attorneys warn the public not to fall for sweepstakes scams no matter how much money the fraudsters ask for.

In this case, the senior citizen victims received personalized letters with official looking seals, stamps and bar codes. The seniors were told that they had won millions of dollars and could get the money by first sending in a small fee of $20-$30 within a limited period of time. According to the Federal Trade Commission, the scam has brought in more than $11 million dollars, mostly from senior citizens. California financial elder abuse attorneys say that senior citizens are often targeted for these kinds of mailings.

One of the letters that was mailed out as a part of this scam states that the victim has been chosen from a pool of 250,637 names. There is fine print on the back of the letter that states that consumers will actually only receive lists of sweepstakes they can enter instead of a cash prize. According to the Federal Trade Commission, the fine print does not clear the company of wrong doing because the claims are misleading and victims do not get what they are promised. Frequently, people do not see the fine print and send in the $20-$30 fee.

Sweepstakes scams such as this are widespread and one of the top five scams targeting consumers, according to the Federal Trade Commission. The fact that sweepstakes scams successfully target senior citizens makes them another form of financial elder abuse.

Evans Law Firm, Inc. handles elder abuse cases in California. If you think that you have witnessed or are the victim of elder abuse then, contact Evans Law Firm, Inc. at 41

Homeowners Can Get Incredibly Flexible Finance!

There is a combination of a home loan and line of credit that will provide a homeowner with all the finance he needs. Since the duration of home loans are extremely long, flexibility is essential because many things can happen in 30 years. Your needs will change over time and so should your source of financing.

The problem of flexibility of mortgage loans was already solved by a home loan type that adapts to the borrowers needs. However, if the borrower wanted additional cash for some unexpected expenses, there was no solution provided by these loans. Thats why a combination of home loan and home equity line of credit is the best option for ultimate flexibility.

Option Mortgage Loans

The first part of this Loan Combo is the mortgage loan. The idea of these loans is that while for a certain situation a fixed interest rate mortgage loan would be the best option for you, you may have to go through difficult times eventually and you would prefer an interest only mortgage loan then. And perhaps, later your financial situation would improve and you would prefer to take advantage of better market conditions with a variable rate mortgage loan.

Normally you would have to refinance your loan many times over the life of a 30 years home loan in order to do all the above. But Option Mortgage Loans let you choose the set of rules that will apply to your loan each time you pay your mortgage installment. That way, if you go through some hardship you can pay only the interests and postpone the payment of principal. Or if you run into extra income you can choose to pay off your home loan sooner.

Home Equity Line of Credit

A home equity line of credit will complement an Option Mortgage Loan by providing additional finance each time you are in need of cash. So, if you suddenly find yourself in a complicated financial situation, you can not only reduce your monthly payments by changing your mortgage loan to an interest only home loan but you can also get extra cash by withdrawing money from your home equity line of credit.

The home equity line of credit is secured on your home, thus both the mortgage and the line of credit have the same security. A property worth $150,000 can easily provide you with a line of credit of $50,000 if your outstanding mortgage is $100,000. As you can see, its an excellent option for solving your finance issues for many years. You wont need to resort to any other source of finance again.

The main benefit of these lines of credit is that while you repay the money withdrawn, the cash will be available again right away if you need it again. Thus, you wont have to apply for a loan each time you need cash. Moreover, the interest rate charged for these loan products is significantly lower than that of personal loans and credit cards.

Get The Reliable Resources To Make Money Online Easily

Are you looking for the resources for making money? In present time, finding the real work to work from home or in spare time for making some extra cash is not a tough job. All this has become possible only and only because of the invention of the internet. One another reason behind this revolutionary change, is the globalization.

Whether you are a creative person or technical professional or a student or a house wife, all of you can earn extra capital for personal use or just for satisfaction by getting work online. All you might require to acquire real work and reliable payments is to find a dependable and professional internet based work provider.

Today, there are countless of the Internet millionaires using the power of the web to implement their great ideas to tune them into obscene profit. To find the Way to Make Money Online, you can also search some work online. There are so many blogs and websites where you can sell your skills. Whether you are passionate about writing or photography or offering tuition, you can find work regarding them online. You can write blogs and articles as a freelance basis in your spare time. Moreover, you can also share your thoughts about a particular topic and can post them to blogs and websites who are paying money to you for your content. The opportunities are endless over the World Wide Web. There is nothing to stop you from using your skills to Make Money Online Fast with your convenience. Web Sites and blog owners are providing lots of opportunities to hard working people who stumbled on a great idea. -Recherornot- is also one such online destination you can engage with them to make money online fast and easily. They are providing the one of the latest techniques and technology of making money online quickly. -Recherornot- is one of the fastest growing blogging platforms inviting people to write and share their unique thoughts about internet marketing, growing technology, techniques, etc.

If you are passionate about writing and want to turn your passion into money making skills, you can also find and read some writing tips at this website required in today’s online world. Some of the blog categories you can write content by taking some useful writing tips comprises of Blogging, Coupons, Google, Google Adsense, Make Money Online, Misc, Mobile, Reviews, SEO, Social Media, Tech News, Tutorials, Web hosting, WordPress, etc. Therefore, search them online, register yourself free and start making money quickly online.

Online marketing including Make Money Online Fast and other digital marketing services may be an important part of your business marketing strategy. Visit www.richerornot.com money making Agency to find out more.

What is a High Yield Investment Program ( HYIP )

A high yield investment program (or HYIP) is one of the most interesting investments out there. However, like a number of investment opportunities, it has been the target of a number of scams.

The simple version is that it is an investment method that offers a high rate of returns with some risk. The investor can invest small amounts into a HYIP, which can, if it does well, yields a higher-than-normal rate of return, which you can then cash out or re-invest. While investing, you can discuss how the investments are doing and find out about scams on websites called monitors, which keep an eye on how HYIPs do.

The slightly more interesting version is that an investor sets up an account with an HYIP, and then invests a certain amount of money into the HYIP, which can be for either very small amounts or for large amounts, depending on how much you want to invest. You decide when to pull out, and then what to do with the funds.

However, be advised that it is an investment and carries with it all the risks of an investment. As such, there is the real possibility of losing the money that you invest, for all the usual reasons. Dont invest more than you can lose, and thoroughly check out the investment before giving the HYIP a single cent, just as you would any other potential investment. And be aware that, just like other investment, there are some HYIPs that are scams.

Using an HYIP as a scam is abetted by a number of factors. The first is the mystique of investing; too many people jump into investing without really bothering how it works, and hoping to get something big for something little. There is also that it relies on e-gold, which, although it has a number of advantages, but transfers cant be reversed; unlike a credit card, if a transaction goes wrong, you cant get the money back. The last is that it looks like just another HYIP, and can therefore fool most people into putting money into it, which then disappears.

Another part of the problem is that they can be easily be used for ponzi schemes, either fueling one or being the bottom layer of one. Just be watch out for very-well performing HYIP, including those with an outrageously high rate of returns, and trust the monitor sites.

Although it can be a great opportunity, you need to go into it with your eyes open. If you find a scam, then report it to the nearest Treasury office or monitor website. If you dont, then you may have just found the way to an early retirement.

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

Guest Blogger: Ray Moore, CFE, Vice President of Development, BrightStar

The successful franchisee will first and foremost find the right fit. The right fit may be the one that best fits his or her financial resources and goals. The potential franchisee should sit down with their spouse and family and ask some hard questions. Together they will have to decide what outcomes they need to realize to consider this venture a success. They will have to separate out the must have or non-negotiable outcomes before shopping for a franchise opportunity.

The couple/family should agree to the following each family will have to fill in the blanks according to their own circumstances. Its a good idea to consult an accountant:

1.We will not invest more than $_____ of our cash/liquid capital.
2.We will not borrow more than $______ in additional funds to capitalize the business.

With any start up, business owners need to have enough money, either set aside or in other income, to cover household bills and run the business for 12 to 18 months. The following questions will help determine how much is needed:

3.To make sure we can still live comfortably while growing the business, we will cut our household budget to $ ____ per month for at least ____ months and be sure to never exceed that budget.
4.We will only buy a franchise that we have confidence can get big enough to feed itself, i.e., income (cash flow) will cover monthly business expenses (fixed and variable costs), no later than ___ months after signing the agreement.

With many new business start ups, the owner will not be able to take a salary for 1-2 years. The family needs to know that household expenses will be covered during that time.

5.We will only seek a franchise for sale that we have confidence will be able to pay me a discretionary salary (enough to cover some or all of household expenses) without harming the business no later than ___ months after signing the agreement.
6.We will generate other income of $___ (amount needed to make up for loss of other income and savings budget) from ___ (spousal income, other household income or investments) independent of the new franchise business.
7.We will only pursue a franchise business opportunity that will allow us to have our initial investment back, i.e., pay off the start up loan from business income, in ____ months/years.

These are just some of the items that typically come up, or should come up, during the conversations leading up to buying a franchise. Asking the right questions will get you the answers you need. Ask them of yourself, your spouse, your family, the franchisor and other franchisees so you can get the full picture of what your life will be like while building your business, and what it can be like once you have established your new franchise.

Ray Moore, CFE, BrightStar

One Sure Way To Find A Reliable Loan Modification,

Eventually you may need to pick a loan modification specialist. This can be very difficult if you don’t know what to do. One way to find a specialist is to do a little investigating, ask a few friends for advice, or consult some professionals who work in this area. Here are some guidelines.

One sure way to find a reliable loan modification specialist or modification firm is to ask people who have used the services of such professionals in the past. Personal recommendations might not give you many names. You may need to explore other avenues of finding help. There are other means of finding a loan modification specialist. Ask your local real estate broker. Due to the very nature of their business, they will know lawyers who have had experience with the procedures involved in foreclosure, financial disasters, and loan modifications.

A simple call to your local state bar association can assist you in finding a lawyer who has experience dealing with situations similar to your own. You might not be comfortable letting your lending institution know how difficult things are for you. However, a talk with the bank manager about your situation may also result in a recommendation.

A foreclosure attorney is another source of finding a loan modification specialist. Due to the nature of their business, these lawyers have dealt with loan modifications while representing their clients. They might be reluctant to offer a name, but you won’t know until you ask.

After you have done the research and found some possible loan modification specialists, narrow your list to three choices. Call the attorney or firm and ask if they would be willing to negotiate a loan modification on your behalf. Don’t jump right in to the process and start giving out personal information right away; take some time to get to know who you are hiring. Even then, never give out your mortgage ID number, driver’s license number, social security number or credit card numbers over the telephone

Get Quotes Online Car Insurance Save Time And Money – Houston Auto Accident Lawyer

Houston auto accident lawyer it is surprising to see the sheer number of online insurance companies. Which are all eager to help you get auto insurance quotes online. Search the internet for your car insurance policy will net you page after page of the site. Houston auto accident lawyer each of which is designed to provide auto insurance quotes online almost immediately. But is it safe to provide your personal information to the insurance company online? normally. Car insurance quotes online is very broad and basic. Houston auto accident lawyer the site may ask you for your zip code (in order to determine what state you live in. And the minimum liability coverage is needed there). And little else. Houston auto accident lawyer later, when it comes time to actually purchase a policy online.

There will be many more questions. The final cost of your auto insurance will be based on many factors. Houston auto accident lawyer not considered in your original auto insurance quote online. For example, it is that you have a car. Drive – in a fast sports car or mini-van. Houston auto accident lawyer the value of your car – is just out there to be 15 years old you have your driver recordhow areyour credit rating – people who make their payments are less likely to get many miles you drive every monthwhere traffic violationshow liveafter you buy your car insurance quotes online. But before actually buying the insurance policy and to present information such as your driver’s license and social security number. It’s a good idea to check with your agency. Houston auto accident lawyer

One way to find out that the agency is safe is to look for and find the logo of verisign. Which tells you that the company you are dealing with has taken steps to protect your personal information from hackers. You may also feel more secure dealing with a company well known for these reasons and as all goes well. The insurance giant allstate. Progressive and national also offer consistently low prices. Remember, however, that the intense competition between the institutions these days. New companies are willing to cut prices to win your business. houston auto accident lawyer insurance is the buyer’s market. Getting auto quotes online is safe and easy way to shop for insurance. With a few clicks of your computer. You can find and compare rates from many companies and satisfy yourself that you are getting the most of your money safe.

houston auto accident lawyer what has never been easier to get car insurance quotes online, especially the incredible resources out there, such as car – insurance – quotes – today. It should not be a chore for many, free car insurance quotes new simplified sites, several car insurance quotes allowing you to receive phone calls without the hassle of having to deal with constant phone calls since the.

Using Public Short Ratio Or Psr To Trade

Public Short Ratio (PSR), also known as non-member short ratio, can be a helpful indicator to trade stock markets. It is used by many traders to find trading opportunities and to predict market movements. Public short ratio is defined as the ratio between public short selling number and total short selling number.

PSR = Total public short sells/total short sells.

The PSR ratio is disclosed by markets on a daily basis. High PSR values shows that the public are more bearish and low PSR values shows the public are more bullish. Although the ratio itself is an easy-to-use indicator, most traders use this ratio as a 10 day moving average. This makes interpretations easier and offer better flexibility. 25% of moving average is taken as the crossing point. When ever the 10-day moving average is above 25%, the market is considered bullish and when ever the moving average is below 25%, the market is considered bearish. The more the ratio stays above/below the 25% level, the more the chance of market reversal.

The basic idea behind public short ratio is public or retail traders are the worst short sellers; when compared to institutional traders and exchange member short sellers. So it is a good strategy to buy whenever public short and sell whenever go. Although sounds awkward the strategy has a high success history, especially for swing traders and long-term traders.

Advantages of public short ratio include 1) its is simple and easy-to-use, 2) has a good success history, 3) it is suitable for most traders, 4) offer better results when combined with other indicators, 5) has support available in most trading platforms and 6) is scalable with user demands.

Disadvantages of PSR include 1) it is less effective of short-term traders like day traders, 2) there is a good amount of risk associated with it, 3) the strategy does not work always as there can be situations where public are right, 4) the strategy may not work in high-volatile markets and 5) is not so suited for novice traders, especially who are not certain about minimizing their downside risks and hedging their positions.

Stop, Collaborate and Engage Small Business Communication Tools for Entrepreneurs to Navigate the Social Media Seas

Oldies but goodies…

The social media landscape has significantly changed the face of small business communication, but it does not mean previous technologies have been rendered useless. “Old” technologies, such as e-mail newsletters, instant messaging and message boards are still active and can still increase productivity (and sales!). Many entrepreneurs already have a strong understanding of these technologies and have probably used them in the past. Consider dusting off that old e-mail newsletter you belong to – you know, the one you haven’t read in 2 years – or do a quick search of what message boards are out there. You may be reminded of and surprised at how useful these seemingly out-of-date services can be.

Some you’ve probably heard of, but may not know the full power of…

LinkedIn

LinkedIn has become the platform for business-focused social networking. By setting up a LinkedIn profile, users are able to post their work history and professional profiles for others to see. This tool presents opportunities for generating new business, reconnecting with old colleagues, and finding a job.

While many business users may have a LinkedIn profile, they may overlook the other small business communication tools LinkedIn provides. For example, LinkedIn Groups are a simple way to create an online forum where customers, prospects and industry insiders can exchange ideas. Similar to an e-mail newsletter, the Group allows invited LinkedIn users to interact with one another and for a company to communicate key messages. With some simple work on the front-end to get the group moving, an entrepreneur can then take a back-seat to let the patients run the asylum – while still maintaining his or her position as the group leader.

Wiki

A wiki (rhymes with tricky) is a website that allows users to edit the content that is posted on the page; the trick to wikis is ensuring the edits are accurate. Wikipedia, for example, is an editable online encyclopedia in which users can edit the content. The reason the information remains accurate is Wikipedia has designated individuals to monitor updates.

From a business perspective, a wiki is a great small business communication tool for companies with geographically distributed offices or teams. Users can post a document or other materials on an internal wiki and allow a group to review and edit the material in one place. Beyond the team collaboration, the wiki also helps with “version control,” a problem that occurs when some users do not have the most up-to-date version of a document. Microsoft’s SharePoint offers companies the ability to make internal wikis, as well as discussion boards.

Some small business communication tools you may not have heard of…

Yammer

Yammer is an enterprise microblogging service – think of it as Twitter for internal business communication. The service allows businesses to create their own internal communication channel and limit use to those who have a valid company e-mail address.

ATMS and Their Influence on Banking Sectors in Australia

Since deregulation of banking in the mid 1980’s, financial and banking industries in Australia have become increasingly competitive and innovative. Australia is ranked as one of the countries with the least controlled systems of banking globally with a foreseeable increase in competition due to implementation and large scale adoption of the recommendations of the Wallis Report done by the Financial Systems Inquiry. An increase in the number of banks and financial institutions entering the market today has led to adoption of various banking products and improvement in banking technologies such as ATMs.

ATMs are computerized telecommunications gadgets that offer clients of financial and banking institutions access to various financial transactions in public without the need for bank tellers and clerks. The bank clients are usually identified with plastic smart cards that are fitted with chips and magnetic strips. The cards contain security information such as the expiration dates of the cards and unique numbers. The security of the card is provided by the client who enters a personal identification number using Automated Teller Machines. The client can then access the funds held by the bank and make cash withdrawals or advances.

ATMs have had great influence on the banking sector in Australia. Firstly, they have helped create a highly sophisticated and secure financial trading environment offering Australians the capacity to carry out financial trading globally, electronically and in real time. The devices have also offered an improved fee transparency and competition within the banking and financial system.

Thirdly, with the growth of the electronic gadgets, Australian commerce has been able to reach new heights allowing consumers a chance to enjoy the wide range of financial choices. The devices have also made it possible for payments to be settled quickly and conveniently allowing customers, organizations and businesses the ability to transfer cash to and from personal and business accounts.

Mel writes about ATMs, ATM fees and other finance topics.