All About Banking
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The document discusses the differences between banks and credit unions. Banks are profit-driven companies run by a board of directors to serve stockholders, while credit unions are non-profit cooperatives owned by their members. Credit unions tend to be smaller and locally based, offer higher interest rates and lower loan rates than banks, but banks tend to have more locations and ATM access for added convenience. The document also covers how automating finances through direct deposit, bill pay, and savings transfers can make banking more convenient.
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The document discusses various types of financial institutions and how they operate. It describes how commercial banks offer services like checking and savings accounts and make profits by charging higher interest rates on loans than paid on deposits. It also explains how savings and loan associations originally focused on savings accounts and home loans but now offer more services, and how credit unions are nonprofit banks that offer members low-interest loans and high rates on savings.
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This document defines banking and various types of financial institutions. Banking involves accepting and securing money, lending money, and earning a profit. A bank accepts deposits and lends out money through loans and overdrafts. Financial institutions deal with financial transactions and services like investments, loans, and deposits. They include commercial banks, the central bank, building societies, microfinance companies, credit unions, and bureaus de change. Commercial banks provide services to businesses and individuals for profit, while the central bank regulates money in a country.
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The document discusses various types of financial institutions and how they operate. It describes how commercial banks offer services like checking and savings accounts and make profits by charging higher interest rates on loans than paid on deposits. It also explains how savings and loan associations originally focused on savings accounts and home loans but now offer more services, and how credit unions are nonprofit banks that offer members low-interest loans and high rates on savings.
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Credit Unions are Designed with Sole Goal in Mind: Meeting their member's needs. Rather than banks, which can often feel cold and formal, credit unions are friendly, accessible and member run, meaning when you bank there, you have a say in what happens. And because credit unions are not-for-profit, there's more focus on finding the right products for their members. That's right; it's as great as it sounds. Credit unions are here to serve you.
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Since 2003, Global Client Solutions has been helping clients manage their debt repayments through its online platform. Acting as an intermediary between consumers and creditors, Global Client Solutions is a member of the American Fair Credit Council (AFCC), formerly known as The Association of Settlement Companies (TASC). The former replaced the latter in April 2011 because the TASC was not doing enough to serve American consumers. The following are four ways the AFCC separates itself from the TASC:
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This document discusses the financial system and retail banking. It begins by explaining the financial system as the mechanism that allows funds to flow from savers to borrowers through either direct financial markets or indirect financial intermediaries. It then focuses on retail banking, describing retail banks as dealing directly with individuals and small businesses, and offering products like savings accounts, mortgages, and loans. Different types of retail banks are also outlined.
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Commercial banks offer full banking services like checking and savings accounts to individuals and businesses. Savings and loans traditionally loaned money for home purchases, while credit unions are nonprofit cooperatives open only to group members. The FDIC insures individual bank accounts up to $100,000. Government monetary policy controls the money supply and borrowing costs through tools like adjusting the discount rate charged to banks and using open market operations.
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The document discusses the Philippine financial system and the role of the Bangko Sentral ng Pilipinas (BSP) as the country's central banking institution. It outlines that the BSP was created by the New Central Bank Act of 1993 and exercises its powers through the Monetary Board. The BSP provides policy directions in areas of money, banking, and credit and oversees the banking system. It also establishes regulations and serves functions such as issuing currency, advising the government, and acting as a lender of last resort. The document further describes the various types of banking and non-banking financial institutions that operate in the Philippines under the BSP's authority.
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Commercial banks offer full banking services like checking and savings accounts to individuals and businesses. Savings and loans traditionally loaned money for home purchases, while credit unions are nonprofit cooperatives open only to group members. The FDIC insures individual bank accounts up to $100,000. Government monetary policy controls the money supply and borrowing costs through tools like adjusting the discount rate charged to banks and using open market operations.
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The document lists 23 potential topics related to recent trends in banking for an eMBA program. The topics include analyses of bank balance sheets, international financial reporting standards, fixed income markets and derivatives, financial inclusion programs in India, cross selling in banks, budget proposals impacting banks, interest rates policies, currency fluctuations, the sub-prime lending crisis, operational risk rules, microcredit controversies, internet banking frauds, asset-liability management, factors influencing interest rates, open market operations, recommendations of the Mohanty Committee on monetary policy, differences between banks and non-banking financial companies, deposit schemes for non-resident Indians, customer service in banks, and banking licenses.
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The document compares loans from private sector banks and public sector banks across several factors. Private sector banks generally charge higher processing fees between 0.5-1% to pay commissions to direct selling agents who bring in customers. They also tend to increase interest rates on existing loans when the repo rate rises but are slower to decrease rates, while public sector banks apply rate changes uniformly. Private banks typically charge a 2% penalty on outstanding amounts for prepaying loans, whereas public banks do not charge prepayment penalties. Private banks also limit prepayments to 25% of the outstanding loan amount per year, whereas public banks impose no such limits.
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The document discusses various topics related to personal finances and economics including:
1) The functions of money as a medium of exchange, store of value, and measure of value.
2) The types of financial institutions that operate in the US financial system such as commercial banks, savings and loans associations, and credit unions.
3) Ways the financial system is kept safe including through the FDIC and government regulation of banking.
4) Types of savings and investment vehicles individuals can use to grow their money such as savings accounts, certificates of deposit, money market accounts, US savings bonds, stocks, bonds, and mutual funds.
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credit is very important for business and economy. growth of economy depends on credit creation. commercial banks play an important role in it. but if it is uncontrolled then it can create fluctuations in economy. it can bring inflation or recession in economy.
in this PPT how commercial banks distribute loan and how it is affected by various factors are explained.
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Commercial banks are able to lend out and create much more money in the form of bank deposits than the amount of money they hold in reserves from customers. This process of credit creation allows banks to finance sectors of the economy and promote development. When a customer deposits cash in a bank, the bank can keep a portion as reserves and lend out the rest, allowing the borrower to make new deposits and the process to repeat across multiple banks in a multiplier effect, expanding the total money supply. However, credit creation is limited by factors like required reserve ratios, the amount of cash received, and monetary policies set by central banks.
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Definitions: Affiliate Marketing: An Internet based marketing practice where a business pays an individual for each customer or visitor brought about through the individuals marketing efforts. Click and Mortar: A business model where a company has both offline and online presences. Also known as Bricks and Clicks. Content Advertising: Content based advertising placement such as that pioneered by Google, also classified ads and ‘pay for performance’ models.
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Calculated Risk: A risk that has been given thoughtful consideration and for which the potential costs and potential benefits have been weighed and considered. Dedication: Selfless devotion to a purpose, cause or project. Feedback: A reaction or response to a particular process or activity. Perseverance: Steadily pursuing a course of action or a purpose in spite of difficulties, obstacles, or discouragement. Reward: Benefit resulting from some event or action. Risk: Exposure to a chance of loss or damage.
Basics of how to invest
Why invent ? The top reason to invest is to see a return (profit) on the investment. Financial Security: Many people decide to learn more about investing because they want to feel secure financially. Lifestyle: Earning money through investing can help people afford a desired lifestyle so they can afford those things they ‘want’. Investing can also be a way for people to get their money working for them (instead of having to work for every dollar) to free up time to live the lifestyle they desire.
Business Networking Ideas
Ways to Network: • This can even be done through Facebook, twitter, linkedin, meetups or emails. • Make efforts to reach out and meet new people in person or online. • Be active and participate in social and/or extracurricular activities. • Getting involved with community service, student groups, etc
What is Risk ?
Risk is the possibility of loss or damage to something. It’s important to lower your risk. If you have a lot of speeding tickets you are considered high risk and will pay more than a low risk person who does not have speeding tickets www.lifethenfinance.com 2
3. Effects of Reducing Risk: If you make a point to always be punctual to work you will more than likely be punctual everywhere. Reducing your risk at work could means job security. Ways to reduce your risk from unemployment is to continue your education through: College Professional development Save money for emergencies Be punctual and professional on the job. All of this reduces your risk of unemployment. It also allows you to live to work and not work to live.
What is insurance?
What is Insurance ? An agreement that states something is protected if it is damaged, hurt, or stolen. Essentially, when you purchase insurance on something it can protect your investment. If anything happens that is covered by the policy you can receive funds from the insurance company to have it replaced, fixed or receive a cash settlement. www.lifethenfinance.com 2
3. What types of insurance are there? Health Insurance Automobile Insurance Renter’s Insurance Property Insurance Umbrella Policies
Importance of health insurance
Importance of Health Insurance: Incase you get sick or need any kind of medical attention. Can you afford to pay for a doctor’s visit without insurance? Depending on the type of doctor and practice it can cost from www.lifethenfinance.com 2 $95–$265 per visit. Insurance co-pays: $5–$50 per visit. Are you certain you won’t hurt yourself or catch some type of cold? Do you have allergies, wear contacts or need any other type of regular prescriptions? Can you afford those medications without insurance? On average prescription generic medications start around $50. Insurance co pays usually around $5–$20.
How to Grow you Skills
Who is a life-long learner ? This a person who learns at every opportunity. They stay current on topics they are interested in and how they relate and may impact their career. A life-longer learner will purse educational opportunities outside of traditional schooling e.g. workshops, seminars etc. to increase their income potential over their lifetime. www.lifethenfinance.com 2
3. Increasing your skills Attend seminars and conferences Read books Subscribe to newsletters, blogs and/or RSS feed RSS feed – internet news feed that delivers information to a person based on their preferences. Enroll in classes at a university or college to learn the latest research within their industry.
Should you_refinance_your_mortgage
The document discusses refinancing a mortgage loan. Refinancing allows a homeowner to pay off their current mortgage and take out a new loan, potentially lowering their interest rate and monthly payments. It describes factors like equity, the difference between a home's value and remaining loan amount, that give homeowners options when refinancing. The document outlines pros like saving money, and cons like taking on a larger debt and restarting the repayment period. It provides tips for determining if refinancing makes financial sense and getting started with the process.
Get out of Debt
While your mountain of debt may be daunting, it's possible to get to the top and clear your financial name! www.lifethenfinance.com
3. Getting Out of Debt Credit Cards Bank Loans Mortgage www.lifethenfinance.com
4. Step 1: Organize Your Debts Smallest to Largest • Pay only minimum payments and any left over money is directed to the smallest debt until it is paid off. www.lifethenfinance.com
5. Step 2: Eliminate Small Balances First • If you have a card with a low balance, pay it off first. • Then reroute the money for that card’s payment to pay off cards with higher balances or a higher interest rate. www.lifethenfinance.com
Long term savings
The longer you have for saving up, the less money you need to allocate each month toward your goal. www.lifethenfinance.com
3. The Power of Compound Interest • if you begin saving $100 a month at age 21 and earned 8 percent interest, by 65 your account would be worth about $447,000. www.lifethenfinance.com
4. The Power of Compound Interest: Cont.... • Increasing the monthly contribution to $200 would double that to about $893,000 www.lifethenfinance.com
5. • Because of the power of compound interest, it’s to your advantage to start your long term savings as early as possible!
Short Term Savings
This document discusses short-term savings goals that can be achieved within a few months or years. It recommends setting a savings goal like a vacation or purchase, determining how much it costs and when you want it, then dividing the total cost by the number of weeks until then to calculate how much to save each week. It provides tips for reaching savings goals like using a change jar, skipping unnecessary purchases, and automatic transfers of spare change from purchases to savings accounts.
Staying within your budget
The document discusses various methods for staying within a budget, including the envelope method. The envelope method is a 3-step cash-based process where expenses are divided into envelopes and cash is allocated to each envelope category. Additional tips for saving money include reducing variable expenses like cable plans, finding energy savings such as using efficient light bulbs, taking advantage of grocery store sales and discounts through savings cards and coupons, and buying certain items in bulk when prices are low.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Dr. Alyce Su Cover Story - China's Investment Leader
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
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Governor Olli Rehn
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1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
高仿英国伦敦艺术大学毕业证（ual毕业证书）文凭证书原版一模一样
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All About Banking
- 2. What is a bank? In essence, there function is to service consumers with accounts to hold their money, there are many differences among them. Where you bank is a personal choice. www.lifethenfinance.com 2
- 3. www.lifethenfinance.com 3 Banks: Banks are companies that are profit-driven. They are small banks and large banks. Banks are run by a Board of Directors that service the stockholders and those vested in the company.
- 4. Credit Unions: Credit unions are non-profit organizations Meaning any money they make in their business must be reinvested in the credit union They are smaller and usually locally based. They serve the community and are not profit driven Those who join a credit union are members and have a say in the major decisions at the credit union. www.lifethenfinance.com 4
- 5. Why bank at a Credit Union ? They service a smaller population of the community. Offer their clients better services. Offer higher-interest on savings accounts and lower rates on loans. www.lifethenfinance.com 5
- 6. Why bank at large Banks? Banks tend to be larger organizations Offer more convenience with that. They may charge more fees and/or have lower rates on savings accounts and loans. There are usually more branches to bank at, easier access to and ATM machines. www.lifethenfinance.com 6
- 7. ATM Machines: Automatic Teller Machine (ATM): A banking terminal that accepts deposits and dispenses cash Adds convenience to your banking experience as part of automating your finances. www.lifethenfinance.com 7
- 8. Automate your Finances Open a checking and savings account Set up direct deposit for your pay check Set up automatic bill pay Have a portion of your money automatically sent to savings and an investment account every month www.lifethenfinance.com 8