Business Fraud Protection #community #bank, #banking, #bank, #loans, #deposits, #savings, #financial #services,


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Business Fraud Protection

Thieves have developed increasingly sophisticated and malicious techniques to steal money. They thwart existing authentication controls, gain control of customer accounts, and transfer funds to individuals hired to help launder funds and send them overseas–often beyond the reach of local financial institutions and influence of local law enforcement.

What are corporate account takeovers?

Corporate account takeover is a fast-growing electronic crime where thieves typically use some form of malware to obtain Online Banking login credentials and then fraudulently transfer funds from those accounts. Many account takeover schemes target small- to medium-sized business customers since their account balances are generally higher than consumer accounts and their transaction activity is generally greater, making it easier to hide the fraudulent transfers.

Constant vigilance against downloads from unknown sites or clicking on banner ads may be the only ways to avoid becoming an account takeover victim.

An effective tool in the Internet thief�s arsenal is keylogging . Keyloggers can be surreptitiously installed on a computer when a customer visits an infected website, or clicks on an infected banner advertisement or email attachment. Keylogging can also be accomplished via a hardware device plugged into the computer, which stores the captured data for later use. Generally small in size and adept at hiding themselves on the user’s computer, keylogger files often go undetected by most antivirus programs.

Thieves use keyloggers to steal the Login ID, password, and/or challenge question answers of financial institution customers. This information alone, or in conjunction with stolen browser cookies loaded on the criminal�s computer, may enable the criminal to access the customer�s account(s) and transfer funds to accounts controlled by the criminal, usually through wire or ACH transactions.

Other types of more sophisticated malware allow man-in-the middle (MIM) or man-in-the browser (MIB) attacks. In one scenario, the cyber thief is able to intercept the authentication credentials submitted by the customer and access the customer’s account(s). In another scenario, they do not intercept the credentials, but modify the transaction content or insert additional transactions not authorized by the customer which, in most cases, are funds transfers to accounts controlled by the thief. Criminals conceal their actions by directing the customer to a fraudulent website that is a mirror image of the financial institution�s website, or sending the customer a message claiming that the institution�s website is unavailable and to try again later. Cyber thieves may have the capacity to delete any trace of their attack from the log files.

Avoiding Fraud

It’s important for our business customers to understand the reality of the threats that face them today. Customers are constantly being targeted by advanced malware threats.

Commerce Bank has put together this information to help you identity any weaknesses you may have at your business, and give you helpful information to help you mitigate against any loss you may incur from a fraud happening to your business.

NOTICE: Commerce Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source – The bank is not responsible for the content. Please contact us with any concerns or comments.

Copyright 2017 � All rights reserved. Commerce Bank is a registered service mark in Massachusetts of Commerce Bank & Trust Company. None of the Licensed Material on this website may be downloaded, republished, retransmitted, reproduced or used as a stand-alone file. Website powered by ProfitStars.

  • Member
  • | Equal Housing Lender

Allamakee-Clayton Electric Cooperative #us #energy #savings


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Welcome to Your Electric Cooperative

We’re proud to be part of a 47,000-business strong cooperative network, sharing a common goal: Serving our members in the best way possible.

Office Hours: 7:30 a.m. to 4:00 p.m. Monday through Friday
Phone: 563-864-7611 or 888-788-1551

Skyways Division: 563-864-7641 or 800-864-1611
EXEDE Tech Support: 1-888-212-5356 Broadband Tech Support: 1-855-846-0281

News Events

Buying a new appliance? Before you do, check out our rebates to make sure your purchase meets the energy efficiency guidelines. Questions? Give.

Test your energy efficiency skills! We’re all interested in saving money and having an energy efficient home does just that. That’s why.

Business owners and community leaders take note – your project may be eligible for a loan through ACEC’s revolving loan fund. Anyone may apply for a.

An interconnection agreement must be reviewed and signed before your distributed generation system is connected to the electric grid. The agreement.

Dairyland Power Cooperative, our wholesale energy provider, has a diverse and growing “green” portfolio. By generating renewable forms of energy for.

Thinking about investing in solar energy? Home Series Solar Energy Guide now available If you’re interested in investing in solar energy.


All-Inclusive Vacations, America’s #1 Tour Operator, Apple Vacations, north akron savings.#North #akron


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Promo Codes – Your One-Stop Shop for Savings

Passengers traveling save up to $100 per couple on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations to any Zo try Wellness & Spa Resort, Secrets Resort & Spa, Breathless Resort & Spa, Dreams Resort & Spa, Now Resort & Spa, and Sunscape Resort & Spa!

  • Travel: September 1, 2017 – March 15, 2018; April 2 – May 31, 2018

  • Savings:
    • $25 per adult on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 3-5 nights to any AMResort.
    • $50 per adult on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 6 nights or more to any AMResort.
  • RIU Hotels & Resorts

    Passengers traveling save up to $100 per couple on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations to any RIU Hotel & Resort!

    • Book: August 18-31, 2017

  • Travel: September 1, 2017 – March 15, 2018; April 2 – May 31, 2018

  • Savings:
    • $25 per adult on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 3-5 nights to any RIU Hotel & Resort.
    • $50 per adult on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 6 nights or more to any RIU Hotel & Resort.
  • Couples Resorts

    Save $350 per couple on Exclusive Vacation Packages and Scheduled Air Packages of 5 nights or more to any Couples Resort in Jamaica!

    • Book: August 24 – September 5, 2017

  • Savings:
    • $175 per adult on Exclusive Vacation Packages and Scheduled Air Packages of 5 nights or more to any Couples Resort in Jamaica.
  • Palladium Hotels & Resorts

    Passengers traveling save up to $100 per couple on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations to any Palladium Hotel & Resort!

    • Book: August 18 – September 18, 2017

  • Savings:
    • $25 per adult on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 3-5 nights to any Palladium Hotel & Resort.
    • $50 per adult on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 6 nights or more to any Palladium Hotel & Resort.
  • Delta Air Lines

    Save up to $50 per couple on Scheduled Air Packages of 3 nights or more from any gateway to Jamaica and Nassau and to additional select gateway/destination pairings on Delta Air Lines!

    • Book: August 25 – September 15, 2017

  • Savings: $25 per adult on select Scheduled Air Packages of 3 nights or more on Delta Air Lines:
    • From any gateway to Jamaica and Nassau
    • From Los Angeles to Cancun, Puerto Vallarta, Punta Cana, Costa Rica, Oahu, and Maui
    • From JFK Airport to Cancun and Punta Cana
  • United Airlines

    Passengers traveling save up to $100 per couple on Scheduled Air Packages from Denver, Los Angeles, Chicago O’Hare, and San Francisco on United Airlines to Hawaii!

    • Book: August 18 – September 28, 2017

  • Savings:
    • $25 per adult on Scheduled Air Packages of 3-5 nights from Denver, Los Angeles, Chicago O’Hare, or San Francisco on United Airlines to Hawaii.
    • $50 per adult on Scheduled Air Packages of 6 nights or more from Denver, Los Angeles, Chicago O’Hare, or San Francisco on United Airlines to Hawaii.
  • Exclusive Vacation Flights from San Francisco

    Passengers traveling save up to $100 per couple on Exclusive Vacation Packages from San Francisco!

    • Book: July 21 – August 30, 2017

  • Savings:
    • $50 per adult on Exclusive Vacation Packages of 3 nights or more from San Francisco.
  • Jamaica

    Passengers traveling save up to $100 per couple on Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations to select resorts in Jamaica!

    • Book: August 4-31, 2017

  • Savings:
    • $25 per adult on new Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 3 nights or more to any Jamaica hotel.
    • $50 per adult on new Exclusive Vacation Packages, Scheduled Air Packages, and Land Only vacations of 3 nights or more to select Jamaica hotels.
  • Secrets St. James Montego Bay

  • Secrets Wild Orchid Montego Bay
  • Breathless Montego Bay Resort Spa
  • Sunscape Cove Montego Bay
  • Sunscape Splash Montego Bay
  • Riu Palace Tropical Bay
  • Riu Palace Jamaica
  • Riu Negril
  • Riu Ocho Rios
  • Riu Montego Bay
  • Riu Reggae
  • IBEROSTAR Grand Hotel Rose Hall
  • IBEROSTAR Rose Hall Suites
  • IBEROSTAR Rose Hall Beach
  • Luxury Bahia Principe Runaway Bay Don Pablo Collection
  • Grand Bahia Principe Jamaica
  • Melia Braco Village
  • One discount can be applied per person. Offer not valid on group bookings, cancelled or expired bookings. Promo code must be applied at the time of booking. Adjustments to past bookings or future bookings cannot be made. Changes to the booking outside the promotional period will result in the promotional code being invalid. Promo code not valid on square deal, group bookings, ski vacations and Cuba vacations. 083017d


    Individual – Savings Bond Calculator #savings #bond #advisor


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    TOOLS

    We’re pleased to hear from our customers regarding their satisfaction with our website. Although your browser settings don’t allow you to view the website survey we’re conducting, please e-mail your comments.

    Savings Bond Calculator

    Find out what your savings bonds are worth with our online Calculator. The Calculator will price Series EE, Series E, and Series I savings bonds, and Savings Notes. Features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned. Historical and future information also are available.

    To find what your bond is worth today:

    1. Click the “Get Started” Link above or the button at the bottom of this page to open the Calculator.
    2. Once open, choose the series and denomination of your bond from the series and denomination drop-down boxes.
    3. Enter the issue date that is printed on the bond. Note: Enter two-digit months (e.g. 01, 12) and four-digit years (e.g. 1985 or 2001). If you’re not sure where to find the issue date or serial number of your bond, see our bond diagram .
    4. Click the “Calculate” button.

    To build an inventory of bonds:

    1. Repeat the above process for each of your bonds.
    2. The Calculator will add each new bond to the top of your inventory listing.

    To find what your bonds are worth in other months:

    If you’d like to see what your bonds were worth in the past or will be worth in the remaining months of the current rate period:

    1. Change the “Value as of” date at the top of the Calculator to the desired date.
    2. Click “Update”.
    3. Your inventory will update to show the values or your bonds as of the date you enter.
    4. The Calculator can show you what your bonds were worth from January 1996 through the current rate period.

    Not sure what data the Calculator is giving you?

    If you have questions about any of the fields that are displayed, click the “Help” button at the top of the Calculator. You’ll be taken to our help area where you can find short descriptions of what you’re seeing in those fields.

    You can save your inventory so you can update your bond values quickly and easily. All you need to do is use your browser’s built-in saving function. Click �View/Print/Save List� and then when the list appears, click �File� and “Save As” and name your inventory. Make sure that you save your file as an “HTML Only” file and that you know where on your computer�s hard drive it will be saved. Then click “Save”. You’ve saved your file! If you’d like more detail, check out our Instructions for Saving Your Inventory Page. NOTE: You must follow these steps when re-saving an inventory you�ve updated.

    You can open your existing inventory (if you have one) by navigating to the folder or directory where you saved your list using a file management program such “My Computer” (for Windows users) or the “Finder” (for Mac OS users). Once you locate your file, double-click it. This should load the file into your web browser where you can click the “Return to Savings Bond Calculator” button to update the values and continue working with your inventory.

    You must follow the instructions for saving your inventory (above) once you�ve updated the values or added or removed bonds. If you’d like more detail, check out our Instructions for Saving Your Inventory Page .

    If you report interest to the IRS every year as the interest accrues

    If you choose to report interest to the IRS annually, check out the Calculator’s YTD Interest feature. It reports the amount of interest your bonds have accrued from the start of a year through the date you enter in the “Value as of” section. Here’s how you can use this feature to calculate the amount of interest your bonds accrued in one calendar year:

    1. List the bonds you want to report annually.
    2. Enter December of the tax year in the “Value as of” box. For example, if you want to find the interest your bonds accrued in 1999, enter 12/1999 in the “Value as of” box.
    3. Find the value in the “YTD Interest” box. That’s the amount of interest your bonds accrued that year.

    See Also:


    The Real Cost of Leasing vs #buying #solar #panels, #leasing, #solar #electric


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    The Real Cost of Leasing vs. Buying Solar Panels

    Buying solar panels requires an investment and more decision-making than leasing, but over the long term the benefits of owning your system are hard to beat.

    Best Ways to Pay for Your Panels

    Cash
    Buying your solar electric system outright is best. It usually costs $15,000 to $20,000 after tax credits and can reduce your electricity bill by 70 to 100 percent, depending on the size and orientation of your roof and local regulations. Most systems pay for themselves in five to seven years.

    Home Equity Loan
    If you need to finance your solar panel purchase, the most cost-effective way to do it is to use a home equity loan or a home equity line of credit. Because your house serves as collateral, these options have low interest rates (currently about 3 to 5 percent). The interest you pay is tax deductible. Equity loans range from 5 to 20 years and usually have fixed interest rates. Equity lines last 10 years and have variable rates (so the interest may increase).

    Solar Loan
    There are unsecured and secured solar loans. With an unsecured loan, your house doesn’t act as collateral and the interest isn’t tax deductible. Many solar installers work with lenders that offer solar loans, but you’ll probably find better rates by directly checking with banks, and credit unions. Watch out for high origination fees. Fannie Mae also offers consumers financing for solar system installations through its HomeStyle Energy Mortgage Program when they buy a new house or refinance.

    Why Leasing Isn’t a Bright Idea

    The steep up-front costs for a residential solar system can make a leasing company’s sales pitch sound pretty appealing: Pay little or nothing and save hundreds of dollars per year on average. (The premise is that you save because the combination of your lease payment and your electric bill is less than what you currently pay for power.) Leasing can also look seductively simple compared with buying: There’s no need to shop separately for an installer and financing; you just sign on the dotted line. So it’s not surprising that 72 percent of the people who installed residential solar systems in 2014 did so through leasing or another type of third-party arrangement. But the reality is not quite so sunny.

    Your Savings Will Be Modest
    People who lease their solar systems save far less than those who buy them outright or with a loan (they also miss out on federal tax benefits and any local incentives). Many leases contain an escalator clause that can further reduce savings by increasing payments 3 percent per year. So if you’re paying 12 cents per kilowatt-hour in year one, with a 3 percent escalator, you’ll be paying 18.2 cents in year 15. That means that if the cost of energy doesn’t rise as quickly as the contracted lease payments increase, your savings could evaporate.

    You Lose Control of Your Roof
    Leasing companies want to maximize their profit, so there’s a chance you could wind up with more panels than you want and that they could be installed in highly visible places—such as facing the street—without any regard to appearance. To avoid that, check the final system design and placement before signing the lease. It could be different from the initial mock-up.

    Leases Can Scare Off Home Buyers
    If you put your house on the market before the lease is up (usually 20 years), you will either have to buy out the lease or the person purchasing your home will have to assume it—which some are reluctant to do.

    That’s what happened to Andrew and Nora Barber, who had to buy out the lease on the solar system on their Clovis, Calif. home after two prospective buyers were frightened away by it. “I offered the solar company $16,000, which was the total of all the payments for the remainder of the contract,” Andrew says. “But $21,000 was the buyout price in the contract, and the company wouldn’t budge.”

    Some solar leasing companies may offer to relocate their systems from one house to another. That could cost $500 for an initial audit and another $500 to transfer the panels, if the leasing company determines it can be done. You would also need approval from your utility and local landmarks commission or the condo or homeowner’s association, if applicable. Plus the new house must be able to accommodate the old system.

    And remember: At the end of the lease, the solar company could remove the system—and your savings along with it.

    Service Plans Don’t Serve You
    Though leasing companies tout their service plans, maintenance is a red herring. “Generally, there’s really no scenario where the maintenance plan is going to kick in,” says Joshua Pearce, an engineering professor and solar expert at the Michigan Tech Open Sustainability Technology Lab. Equipment problems aren’t covered by the maintenance plan, they’re covered by the warranty. And if a storm destroys your panels, the damage may be covered by your homeowners insurance.

    That’s why—whether you buy or lease—it’s essential that you inform your insurer. (Roof-mounted solar is generally added as part of a standard homeowners policy at no additional cost; ground-mounted solar may require an insurance rider.)


    FAQ – Tax Free Savings Accounts (TFSA) #savings #withdrawl #calculator


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    Tax Free Savings Account (TFSA) FAQ

    In the 2008 budget, the government of Canada introduced a brand new personal savings vehicle: the Tax-Free Savings Account (TFSA), to help you save for different purposes throughout your lifetime. This new account is the most important personal savings vehicle for Canadians since the introduction of the RRSP in 1957.

    As of January 2, 2009, you are able to start contributing to a TFSA, which can hold any combination of eligible investment vehicles, such as cash, stocks, bonds, GICs and mutual funds, the growth of which will be tax-sheltered.

    Your Scotiabank advisor can help you plan how the TFSA can help you meet your savings and investment goals.

    A TFSA allows you to set money aside in eligible investments and watch those savings grow tax-free throughout your lifetime. Interest, dividends, and capital gains earned in a TFSA are tax-free for life. Your TFSA savings can be withdrawn from your account at any time, for any reason 1. and all withdrawals are tax-free. And if you want, you can put back the amount you withdraw into your TFSA. However, you have to do it the following year so it will not impact your contribution room.

    The annual TFSA contribution limit for each individual (18 years of age and older) is set at $5,500 for 2017. From 2009 to 2012, the annual maximum contribution limit was $5,000, $5,500 from 2013 to 2014, $10,000 for 2015, and $5,500 for 2016. Unused contribution room from one year is carried forward and added to the TFSA contribution limit the following year. Any withdrawals made in a calendar year will create additional contribution room the following year.

    You cannot open a TFSA or contribute to one until you turn 18. In certain provinces and territories, the legal age at which an individual can enter into a contract (which would include opening a TFSA) is 19. In such jurisdictions, an 18-year-old who would be otherwise eligible, would accumulate the annual contribution amount for that year and carry it over to the following year.

    The TFSA contribution limit is not prorated in the year an individual:

    • turns 18 years old;
    • dies; or
    • becomes a resident or a non-resident of Canada.

    The Canada Revenue Agency (CRA) imposes a tax of 1% per month, for each month or partial month that the excess contribution remains in the account.

    The 1% tax will continue to apply until one of the following:

    • The entire excess amount is withdrawn; or
    • For eligible individuals, the entire excess amount is absorbed by additions to their unused TFSA contribution room in the following years.

    For more information, please check the CRA website .

    There’s something for everyone with a TFSA and your Scotia advisor can help you decide how the TFSA can help you meet your goals. Here are some ways that you can take advantage of this new savings vehicle:

    Are you looking to save for a “rainy day”?
    A TFSA is an ideal all-purpose savings account that offers complete flexibility to save for a multitude of uses in one account. Your savings build up over time – tax-free – helping you reach your goals sooner, and you can withdraw your money when you need it.

    Do you have non-registered investments? Have you maximized your RRSP?
    A TFSA is an excellent choice if you have non-registered investments. The TFSA allows you to turn taxable income into tax-free income for life, by creating a more tax-efficient investment portfolio and enabling you to maximize your investment growth. You can contribute to a TFSA for a spouse or other family member. Spousal attribution rules don’t apply as they would with an RRSP.

    Are you retired or earning a pension income??
    A TFSA is also an ideal investment vehicle for depositing surplus RIF or pension income. It provides the ability to permanently tax-shelter non-registered GIC interest income. Deposits to a TFSA will not result in a claw back of government benefits like Old Age Security or the Guaranteed Income Supplement and there is no age threshold at which a TFSA must convert into a taxable account.

    Scotiabank TFSA-eligible investments include mutual funds, Guaranteed Investment Certificates (GICs) and cash, all in one account. Investment options with ScotiaMcLeod or Scotia iTRADE may differ. Please consult your financial advisor for specific details on investment availability.

    Maximum 2017 annual contribution limit is $5,500 regardless of an individual’s earned income.

    Contribution limit is based on an individual’s earned income from the previous year, up to a maximum amount (e.g. in 2017, the limit is $26,010 less your pension adjustment or the amount indicated on your 2016 Notice of Assessment).

    Contributions are not tax-deductible and therefore do not reduce taxable income. Income/returns earned on investments are tax-free .

    Contributions are tax-deductible and therefore reduce taxable income. Income/returns earned on investments are tax-sheltered until withdrawn.

    Withdrawals are not added to taxable income – they are tax-free. Plus, withdrawals can be “re-contributed” in subsequent years.

    Withdrawals are added to taxable income and taxed at the applicable marginal tax rate. Withdrawals cannot be “re-contributed” in subsequent years.

    You can withdraw money from your TFSA at any time; however, specific product restrictions may apply (e.g. GIC maturity dates). The amount you withdraw can be put back in your TFSA starting the following year without impacting your contribution room.

    Would contributions and withdrawals have any impact on my eligibility
    for federal income-tested benefits, such as the Canada Child Tax Benefit
    and the Guaranteed Income Supplement? – expand for more details

    Neither income earned in your TFSA, nor withdrawals, will affect your eligibility these types of benefits.

    If you designate your spouse or common-law partner as a “successor holder,” you may allow them to assume your plan on your death without affecting their own TFSA. Alternatively, you may designate a beneficiary(ies) to receive the funds in your plan upon your death. The beneficiary/successor holder option is available in all provinces and territories, except for Quebec. Note: Residents of Quebec may make designations through a will. Always check with your legal advisor before making tax and estate decisions

    Your TFSA contribution room information can be found by going to one of the following Canada Revenue Agency (CRA) services:

    • My Account;
    • Quick Access; or
    • CRA Tax Information Phone Service (TIPS): 1 800 267 6999
    • CRA Individual inquiries: 1 800 959 8281

    Yes. You will be able to contribute to a spouse’s TFSA without affecting your own contribution room. Income attribution rules, which currently govern RRSPs, do not apply.

    No. Your spouse owns the TFSA and will earn any investment income and capital gains in the account.

    If I become a non-resident while I have a TFSA can I still
    make contributions? – expand for more details

    If you become a non-resident, you are able to maintain your TFSA and will not be taxed on any earnings or withdrawals in the account. However, you will not be allowed to contribute additional funds and no contribution room will accrue for the years in which you are a non-resident.

    For a TFSA with Scotia Investments

    • Sign into Scotia OnLine
    • Select the Investing tab
    • Then select the Scotia Investments tab
    • Select “Contribute to Existing Investment” from the left navigation.
    • Select your TFSA and choose the contribution type that you would like to make.

    Only individual (Sole) accounts can be set up. Joint, non-personal and ‘In Trust For’ accounts are not available.

    Borrowing to fund a TFSA is permitted; however, interest expenses related to such a loan are not tax-deductible.

    A new form, ‘Transfer From a Tax-Free Savings Account (TFSA) to another TFSA on Breakdown of Marriage or Common-Law Partnership’, is required to be completed and submitted to the Financial Institution prior to the TFSA assets being transferred.

    Do I have Canada Deposit Insurance Corporation (CDIC) insurance
    on the investments held within the TFSA? – expand for more details

    All eligible deposits (e.g. GICs, cash) held within a TFSA are insured by CDIC, and will be afforded coverage to a maximum of $100,000, separate from other deposits held by the same depositor at the same member institution.

    If the Dealer of your Scotia TFSA is The Bank of Nova Scotia, Canadian currency funds in the cash section of your account are insured by the Canada Deposit Insurance Corporation.

    If the Dealer of your Scotia TFSA is Scotia Securities Inc. Canadian currency funds in the cash section of your account are held in trust by Scotia Securities Inc. These funds are not eligible for deposit insurance offered through the Canada Deposit Insurance Corporation.

    For more information, please contact the CDIC, or pick up a CDIC brochure at your nearest Scotiabank branch .

    • 1 Specific product restrictions may apply.

    Instant Access Savings Accounts – Tesco Bank #savings #acconts


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    From our current account that likes to thank you as you spend, to our travel money delivered wherever it’s most convenient for you, we aim to give you banking the way you want it.

    Whether it’s to help manage your spending, spreading the costs of a one-off purchase, or the serious business of buying a house, we’ve got it covered.

    Our range of savings accounts can give you competitive rates and easy access, while our ISAs offer tax free saving for you and your children.

    Whether you’re protecting your car, your pets, your house, your loved ones, or just want to be safe on your travels, we have a comprehensive range of insurances with options that let you tailor your cover to your lifestyle.

    Calculators and comparison tables, jargon busters and top tips – our selection of tools and helpful information can help you get to grips with our products.

    If you’re already banking or have insurance with us and you’ve got a question, need some help, or want to know what’s available to you, you’ve come to the right place.

    Instant access savings

    Personal Savings Allowance

    Personal Savings Allowance

    • Recently introduced by Her Majesty’s Revenue and Customs, the Personal Savings Allowance will mean 95% of people won’t pay tax on the interest they earn (Source: HMRC 2016).
    • The current tax rules are subject to change by HM Revenue Customs and the value of tax benefits depends on individual circumstances.

    Rates correct at 29 June 2017.

    The interest rate of 1.11% Gross/AER (variable) is available on balances up to £1 million. This rate includes a fixed bonus of 0.71% for the first 12 months the account is opened, on top of our standard rate of 0.40% Gross/AER (variable). After the bonus period, the Standard Interest Rate (variable) that’s available at the time will apply.

    Balances above £1 million will receive the Standard Interest Rate of 0.40% Gross/AER (variable).

    *On 6 April 2016, the Government introduced the Personal Savings Allowance. This allows you to earn interest on your savings tax free, up to a certain amount. It means we will no longer deduct tax from the interest you have earned, unless we are required to do so in specific circumstances prescribed by law.

    Learn more about Personal Savings Allowance

    Instant Access Savings Account rates

    Our current interest rates are shown below. You can choose to have this paid monthly or annually.

    Annual interest Gross/AER*

    Monthly interest Gross/AER*

    Standard Interest Rate (variable)

    Rates correct at 8 November 2016.

    *The Personal Savings Allowance was introduced on 6 April 2016, meaning we won’t deduct tax from the interest you have earned.

    Learn more about Personal Savings Allowance

    Interest rate definitions

    Gross is the interest rate paid before tax is deducted.

    Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.

    Daily withdrawal limits

    Internet Saver Account

    The maximum daily limit for Internet Saver withdrawals is £10,000 to non-Tesco Bank accounts in the UK and £100,000 by making internal transfers to other Tesco Bank accounts in your own name. But if you want to withdraw more, you can call us and we’ll be happy to help you.

    Instant Access Savings Account

    The maximum daily withdrawal limits for Instant Access Savings Accounts are as follows:

    • Telephone: You can withdraw all of your money over the phone
    • Online: £10,000 to non-Tesco Bank accounts in the UK and £100,000 by making internal transfers to other Tesco Bank accounts in your own name
    • In-store (Customer Service Desk): £500
    • ATM: £300

    The in-store withdrawal service is available in selected Tesco stores only.

    Instant Access Cash ISA

    The maximum daily limit for Instant Access Cash ISA withdrawals is £10,000 via online banking, no restriction by telephone.

    Maximum daily withdrawal limits may change from time to time. We will notify you of these changes.


    The Monitoring Center – Security Alarm Monitoring $ Per Month #home #security,


    6 month FREE Sign up BONUS

    At The Monitoring Center. we know “Every Penny Counts” and are offering you additional savings. Switchover today and take full Advantage of our 6 month FREE Give-away.

    Medical Alert at NO Extra Monthly Cost

    In recognition and respect for our Seniors, we monitor medical alarm signals at the same LOW monthly rate of ONLY $9.99/month. We monitor all of your devices at the same LOW price. Do NOT pay EXTRA for any device attached to your alarm system.

    Our Senior Rate Guarantee

    The Monitoring Center recognizes that seniors are on a fixed income. In order to assist we GUARANTEE your rate will NOT increase as long as you subscribe to our service.

    No Phone Line?

    • With the new “Lynx Touch” system combined with a “WiFi” module the presence of a phone line is no longer required

    Remote Security Services

    • Control your home alarm from your mobile device, tablet or computer.
    • Receive email or text alerts from your alarm system
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    Up to % p #high #interest #rate #savings #accounts


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    SAVINGS ACCOUNTS Compare and save with high interest rates

    How to achieve your savings goals and buy that pony

  • Savings Account

    How to teach your kids the value of money

  • Welcome to RateCity s Savings Account section.

    Whether you want to open an online savings account or a childrens savings account, RateCity allows you to search, compare and apply from over 500 savings accounts. To start searching, fill in the form at the top of the page or you can choose from one of our popular direct searches at the base of this page.

    What should you consider when choosing a savings account? Vital facts and considerations can be found in our Savings Account Guide. It takes you through a range of useful information and tips on choosing the right savings account and how to get the most out of your deposit. Also available is our Savings Accounts Articles which guide you through a range of definitions regarding savings accounts so you can understand the differences between a high interest account and an online savings account.

    If you re not ready to purchase, and instead would rather spend more time researching then head to our Savings Account News section for advice and breaking information regarding savings accounts. Get started now.

    Savings Accounts Guide

    RateCity s Savings Accounts Guide provides you with tips and useful information to assist you with your decision when opening up a savings account. Whether you have a savings goal that you want to reach or if you want to earn more interest than you are currently, we provide the most up-to-date information to help you get there. See our hints and tips for all you need to know about the savings accounts and what you need to be aware of. RateCity will show you how to choose the best savings account to suit your needs and assist you in reaching your goals.

    Share This

    This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. The rating shown is only one factor to take into account when considering these products. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.


    Used GMC Sierra 1500 For Sale #gmc #sierra #1500,for #sale,deals,compare,savings,free #listing,buy,sell


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    Used GMC Sierra 1500 for Sale Nationwide

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    Words separated by spaces will be treated as a single phrase for search (e.g. Back Up Camera).

    Search is not case-sensitive.

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    2008 GMC Sierra 1500 SLE2 Crew Cab Review

    2008 GMC Sierra 1500 SLE2 Crew Cab 2WD

    5.3L V8 has plenty of power. Acceleration is acceptable for a full-size pickup. Braking is particularly good. Handling is exceptional considering the width and length of the vehicle. The vehicle itself is a quality vehicle. No issues related to build quality. Appearance is, in the only words I can think of, manly. It looks like a pickup a man wou.

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    Term deposits Vs savings accounts What s best for you? #savings #accounts,


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    Term deposits Vs savings accounts: What’s best for you?

    Where should one stash their cash: savings accounts or term deposits?Andrea Sophocleous investigates.

    September 7, 2009

    Saving hasn t always been fashionable. Before the global financial crisis began taking its toll on years of economic prosperity and consumer hedonism, excessive spending was a national in fact, global pastime.

    Australia may have escaped the full grunt of the GFC, but the new mood of thrifty restraint appears to be hanging around a little longer. This is the perfect environment in which to begin saving for that next rainy day or home loan deposit. And with interest rates set to rise further, so could your savings.

    Higher interest rates won t just increase your mortgage repayments ; on the plus side, they could also increase the interest you earn on your high interest savings account .

    Savings accounts differ from day-to-day transactional accounts by being designed to help you save for a long-term goal. While you can access your everyday account for all your spending needs using debit cards, ATMs or the internet, any money you deposit in a savings account remains out of everyday reach and accrues interest on the growing balance.

    You can make withdrawals whenever you like, but this would make a dent in the amount of interest you are paid. A more prudent option, therefore, is to make regular fortnightly or monthly deposits but no withdrawals.

    A high interest savings account, however, is not your only option if you want to get serious about saving. If you are easily tempted into spending rather than saving, a term deposit may be a more suitable path for you to take.

    Like savings accounts, term deposits are a low-risk, convenient way to earn higher interest on your money, but because you cannot withdraw any money during the life of your term deposit, your cash will remain safely tucked away, growing at a healthy rate.

    Term deposits require a minimum opening balance usually at least $5,000 and can last anywhere from 30 days to five years. The rate is fixed for the duration of the term deposit, so you know exactly how much money you will end up with.

    If you already have a few thousand dollars saved, a term deposit is a smart choice because you will start earning a decent amount of money in interest straight away. And if you won t need access to the money too soon, opting for a longer term makes more sense because depending on the term, you could score a higher interest rate.

    For example, a 30-day term deposit with ING Direct will see you pocket interest at 3.25 percent p.a. while a two-year term deposit will deliver a more profitable 6.00 percent p.a. interest. So $10,000 will earn $26.71 in interest in 30 days, while after two years your nest egg will be up by $1,200.

    As with all financial decisions, shop around for the term deposit that suits your needs. And ensure you won t need the money before your term expires otherwise you will have to wear the cost in hefty fees. If you are starting from scratch, a high interest savings account is a better option because most do not require a minimum opening balance.

    The ING Direct Savings Maximiser account will dish out 4.75 percent p.a to new customers who signs up before November 30. This special introductory rate will last until 31 January 2010. Other generous high interest savings accounts include UBank s USaver account, which offers 5.11 percent p.a interest, and Westpac s Reward Saver with a 4.70 percent p.a rate.

    There are hundreds of savings accounts to choose from, so researching and comparing interest rates and terms and conditions is essential.

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    © 2017 RateCity

    This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.


    How much does a solar system cost these days? #cost #of #solar,


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    How much does a solar system cost these days?

    To Top | Article Highlights

    The cost of a solar power system installed on your roof top has reduced significantly over the years, and even more so in recent years, as more and more homeowners turn to solar, the demand increased and prompted many companies to manufacture and distribute solar components at a high quality, but at a much reduced rate due to the increased competition.

    Here is a chart that demonstrates that price reduction:

    It is quite clear from the chart how big the price cut was, and that’s for a complete system without reducing the cost for the customer after applying the incentives and tax breaks homeowners gets from their respective states.

    While these vary from state to state, in many of them, it is now so lucrative, that solar powered homes make a lot of sense .

    Check your Solar Costs by using our FREE Solar Calculator. it’s that easy!

    To further demonstrate the costs or rather, the reduction of cost for the systems, here is a chart that shows how the cost of the component has been used in a residential solar power installation reduced.

    Amazingly enough, the chart shows a reduction of rates from quarter to quarter (!) as of 2014, not years.

    To know your savings, you will need..

    Solar power systems are different from one location to the next. To figure out exactly how much electricity you can save, installation companies need to know the following:
    Where do you live? – Each state has different solar policies thus changing the savings from one location to the next.
    Is there shade on your roof? – Obviously to go solar, you will need the help of the sun, and the more, the better.
    What type of roof do you have? – Some are easier than others to install on.
    What direction is your roof facing? – A key factor for the system to maximize its potential.
    What is your current electric bill? – The more you pay, the more you will save with solar .

    Here is a great video detailing the cost of solar PV system breakdown:

    The California Case Study

    Let’s take a look at a typical 5KW system installation and savings of a Los Angeles home in California .

    This is just to demonstrate your savings. It is obviously very different from home to home and we recommend connecting with solar installers for the most accurate quotes on costs and savings.

    An average cost for 5KW of system will cost you around $20K to install. (Panels, labor, connections etc.). This is just our starting point. Now we need to subtract the incentives and solar federal tax breaks as follows: Subtract the rebate you’ll receive for each KW, which is totaled at $3750.

    Now we need to subtract the federal solar tax credit at an amazing 30% to reduce the bill by another $4875 dollars. That brings your total savings to $8625 dollars !

    So, all of a sudden, a $20K investment turns to $11,375. That is almost half of the original cost, and that’s big.

    Again, each state has a different policy and each municipal, has different incentives like rebate program. For example, the LADWP (Los Angeles Department of Water and Power) rebate program is much different than the SMUD (Sacramento Municipal Utility District) rebate program.

    T o get the most accurate quote, and see exactly how much you can save, click here and get a quote from a qualified solar installer.

    One of the main reasons people tend to not get very excited about the prospect of installing a solar energy system to their home is their perception of the costs involved.

    [blue[The truth is, over the long term, a solar energy system will pay for itself. and will actually generate you money in the form of lower utility bills, tax incentives, and selling back a proportion of the energy you produce but do not use to utilities companies.[/blue]

    How much you stand to make depends upon where in the US you live, how much sunshine you typically see, and how electricity costs you. Naturally, the more money you pay for your energy supply, the more money you will save when you switch to solar .

    The costs involved depends upon what kind of system you install. You can even have solar panels installed for free by allowing a solar energy company to lease your roof space off you so they can install their panels there.

    They sell the electricity the panels generate back to you at a cost that’s typically much lower than mains electricity. but you will not receive the tax breaks and long-term benefits available to you if you go down this route.

    How much electricity do you use?

    If you do buy your own panels, then you will need to buy enough to make your switch to solar worthwhile, and you make it worthwhile by calculating how much electricity you use .

    You really need 1 kW worth of solar panels for every $50 you pay in electricity every month, so if you pay $200 for your electricity per month, you are going to need a 4 kW solar panel system.

    Each solar panel is worth around 250 to 300 W, so for a 2 kW system you will need eight panels, and for a 4 kW system, you will need sixteen. You will need to make sure you have sufficient roof space to install the system that you require.

    Check out your options

    As you may imagine, there are plenty of different manufacturers of solar panels. all having different standards of the efficiency of the panels they produce, with different costs as well.

    When you come to install a solar system, unless you decide to do it yourself, the company you choose to perform an installation will provide the panels for you, and will advise you on your options.

    A 4 kW solar panel system will cost you between $10,000 and $11,500 to install. If you want to up the juice a little bit, a 5 kW system will cost between $12,500 and $14,000 to install. Don’t forget, it’s not just the panels you are buying – there’s the wiring into your home electricity system as well, plus the cost of the installation itself .

    You can find out more about the cost of a solar panel system here. You can also choose to finance the residential energy system, and go solar with zero down payment via solar leasing or Power Purchase Agreement (PPA), which is another great way to start save without having to pay for the system in full upfront.

    Typically, as soon as you have your system up and running, you will receive tax breaks in line with about 30 percent of the cost of your installation. Most solar panel systems pay for themselves within 8 to 10 years of installation via lower utility bills and tax breaks.

    Don’t forget, it’s not just the financial cost you have to take into consideration – there’s the continual cost in terms of damage to the environment if you continue to rely heavily on fossil fuels.

    Go solar and you’ll be saving the planet, and your wallet

    See how much your home Solar Power System cost now Get a Quote


    Phuket Hotels, Thailand: Great savings and real reviews #cheep #motels

    #phuket hotels

    #

    experience Phuket

    Phuket

    Being one of Thailand’s most famous islands, Phuket is positioned off the southern coast of Thailand in the Andaman Sea, featuring the golden sands, calm blue waters, and coconut palms associated with the perfect tropical vacation. Phuket Town is the island’s main commercial area, and accommodation in the city center is cheap.

    Phuket’s most popular resort area is Patong. Fully redeveloped after the 2004 tsunami, Patong’s main roads are lined with restaurants, shops, and countless bars and clubs. The nightlife here is legendary in Asia, and many book a hotel in Patong just to experience its lively after-hours scene.

    South of Patong Beach is Karon Beach – a much quieter town with shops, restaurants, and bars that cater specifically to tourists. Kamala also offers a good range of accommodation and infrastructure with resorts becoming progressively more upscale towards Bang Thao, Surin, and Pansea beaches.

    On the other side of the Phuket lay the islands of Koh Yao Yai. Koh Yao Noi, and Nakha Yai. Resorts on these islands assure secluded beaches and high levels of service.

    Phuket is served by Phuket International Airport. about a 45-minute drive from Patong Beach and Phuket Town.

    Find the most suitable accommodation for you by clicking on our interactive map and exploring Phuket for hotels and must-see destinations.

    Traveler impressions of Phuket

    I guess it was a wrong choice to visit Phuket city as there wasn t much to explore within city and.

    considering the fact the places that we wanted to visit were situated far away from our hotel and taxi fares were too expensive. We visited Tiger Kingdom, Trick Eye Museum, Phi Phi Island, a bit of shopping at City Centre, Thalang, etc. May be next time if I come to visit Phuket, I’d prefer to stay at Patong beach instead.

    Truth be known even though both of the hotels I stayed at were clean and comfortable, I doubt I will.

    ever return to Phuket. The beaches are amazing, but there is garbage everywhere, and with the exeption of a few taxis, Tuk Tuks and restaraunts, the shopping and taxis at the Airport is way over-priced. It is more expensive than just about everywhere else I visited, although the soup I got from the vendor stand across the alley from the family mart (accross the street and to the left from the airport) was some of the best soup I had in Thailand.

    Phuket is blessed with many beautiful beaches and islands nearby. It also have good facilities and.

    We ve stayed at 2 hotels in Phuket one is in Patong and the other one is in Laguna. The difference.

    about the two is that Patong would cater more from the young adults to a more mature crowd, who wanted to party and experience the local food. As for Laguna this would cater to families and business men as this is more laid back and more on the upper class as it’s a little bit more expensive than the usual hotels in Patong.

    You love it or not. You can go for partying or with your family and enjoy a calm stay with enjoying.