Having a Healthy Marriage

Everyone in a marriage can agree on one thing, it isn’t easy. Marriage often takes a lot of patience and compromising to be successful. During difficult times, such as illness, death, money issues, family problems, etc. can be the most trying time for a marriage. To help you through the rough days, here are some tips that will hopefully aid in your having a healthy and successful marriage.

Date Nights

Most people will tell you it is important to keep things fun and fresh in your marriage. Planning regular date nights is great for your marriage. This is particularly true if you have kids. It is important to set aside time with just the two of you without any distractions (aka kids!). It is a simple reminder of your relationship and what the two of you have together. A date night can be a nice dinner or something as simple as going to the park for a picnic. Nothing fancy is required, the only requirements is the two of you and time.

Come up with a financial plan

One of the most common reasons of marriage distress is finances. Money problems can definitely cause marriage problems and they should be addressed from the beginning. Even prior to marriage they should be discussed. Things such as saving money, what you spend your money on, what you want for your children financially, etc. are all important things to agree upon as a couple. Both parties need to be on the same level when it comes to saving and spending. Come up with a financial plan between the two of you that you can compromise on so that there aren’t any disagreements about it in the future. Discuss how you will handle big financial decisions. For example, if you want to get a loan would you just sign up for the first one you see or first bank you walk in to? Or would you go on a site to compare norwegian consumer loans or visit multiple banks to see what is best? You need to see if your partner would agree with you and handle it in the same manner.

Figure out family rules

Another common issue amongst marriages are family rules. Family rules or family norms, just like finances, should be discussed and agreed upon early in a marriage. What you may think is normal or what you think is going to happen with your family is kids may differ from your spouse. It is important that the two of you are on the same level with all of this. You also need to be on the same level with your spouse about your children and how you will raise them, discipline them, and what you expect of them.

Be Flexible

Compromise, Compromise, Compromise. That is what marriage is all about. A healthy marriage can’t be one sided, both have to give and take equally to make it work. Communication is one of the most important factors in a marriage so it is important to express yourself to your spouse and let them know what you are thinking. Pick your battles, some things may be worth it while others are not. I

These key items can help you lead a healthy marriage and happy family life. Make sure to take a look into your relationship today to make sure you are doing your best.

Using Business Checks To Run Your Business

Setting up the finances of any business can be a task that you constantly procrastinate, not sure where to start. If you take it step by step and concentrate on one thing at a time the whole thing becomes a lot more manageable. Choosing which accounting program to run your business on is an important decision, among the ranks of choosing health care or life insurance coverage. This will influence the ease in which your business is run for years to come. The program of choice is Quickbooks, as it is user-friendly, and many workers are trained in its use. However, there are many other programs that offer different features that may be better suited to a specific business.

Once a program has been chosen, it is easy to purchase business checks that are compatible with it. Online checks printers make ordering business checks easy and affordable. Many of them often have sales and promotions. They may also offer discounts on reorders.

Some small businesses may balk at the added expense, and consider writing checks by hand. Although this is doable, the use of business checks can help with the accounting of the entire business. The system saves all pertinent details, such as the check number, name of recipient, and payment details. Business checks also allow users to generate a floating balance. This is used to foresee an expense and enter it before actually printing out the check. This is especially useful with bills that have to be paid at the end of the month, etc. Once entered, the expense id deducted from the account, and your accounting program will remind you to print and issue the check when the time comes. This feature helps ensure that no bill goes unpaid.

There are many other advantages of business checks. Quickbooks checks and all sorts of business checks can also help convey a professional image, with a tasteful background and the company logo printed on the check. Some check printing See TechChecks.net companies also offer sets of coordinating business checks.

It is a good idea to buy in bulk. Many times prices are cheaper this way, you’ll be secure in the knowledge that you won’t run out of checks anytime soon, and a good fact to know is that checks don’t expire. Unless the bank account has been closed, the checks are valid. If there was a change in the business’s address or some other minor detail, you can manually cross out the address or detail that was printed on the check, and write it in yourself. If there was a more significant change, such as a change in the company name, or something else in this vein, it is advisable to contact the bank and make sure that the business checks are still valid.

Business checks that are compatible with an accounting program make life easier in many ways.

Tips for finding your job in the banking sector

Are you sifting between banking jobs posted online, wondering how to secure the best one for you? You know the jobs are out there, and that you have the right qualifications, so how do you go from fantasizing about your next great role to actually landing the offer? Below are some tips that can make that transition possible.

Include the right keywords

If you’re submitting your résumé electronically, be sure to use the precise keywords employers include in their postings for banking jobs. The phrasing that is used in the job description should also appear, when relevant, on your résumé. Often this is simply a matter of rewording your materials, because you might have described a duty one way whereas your prospective employer describes it another. You want to go with how they phrase it.

That way, when your résumé is being reviewed and compared to what was advertised in the job posting, the reviewer will see that you are a great match for the opening. This is especially relevant if your materials are being scanned by a computer, which will be looking more strictly for exact phrases.

Use LinkedIn and Twitter

Remember, we are living in the Digital Age, and you don’t have to be fresh out of college to be expected to have an online presence. Employers understand this when considering candidates for banking jobs. LinkedIn is the popular professional site to create a profile on (if you haven’t already), and career expert Farnoosh Brock advises using it to share your experience with groups.

“Find areas of expertise,” Brock says, “and share your knowledge freely with people that are asking questions. HR and hiring staff browse those professional groups and contact the ideal candidates. It’s your own pre-screening interview!”

Like LinkedIn but a lot more casual, Twitter has become a highly social way to interact with everyone from your favorite celebrity to the hiring managers of hot finance and banking jobs. With respects to this site, Brock says the right hashtags can help get you noticed.

“Use Twitter and the right hashtags to answer questions,” he advises. “Companies are getting more and more into Twitter more to listen than to talk as well as use it like a search engine. Be the answer that pops up when they search the hashtags of your industry and show your expertise with useful tweets.”

Dress to impress at the interview

It might sound superficial, but handling people’s money — often in very large sums — is the name of the game in banking jobs, so it is imperative that you look prepared at first glance. It’s critical that you project trust, respect and confidence when you meet your interview panel face-to-face. They will be looking at you with questions such as, “Would a client trust this person with her money?” floating through their heads. Thankfully, some advanced planning can help you ace this initial evaluation.

You’re not expected to be fashion model, but you need to look professional. Richard S. Deems, Ph.D., author of “Hiring: How to Find and Keep the Best People” (Career Press, 1998), puts it thusly: “Be well dressed and coordinated — in other words, don’t look sloppy and make sure colors are coordinated.”

Be your most organized

“Organize your thoughts — get in the habit of answering a question in sequence,” Deems suggests for your interview. “Example: you will probably be asked, ‘Tell me about yourself.’ Don’t give them a rambling history. Instead, say something like, ‘First, I’m a person who likes things to be organized and in place; let me give you an example… Second, I enjoy showing people how finances can be organized; let me give you an example… Third…,’ another strength and example.

“Most people who hire new employees in the banking industry are well organized, like things to fit together, and appreciate sequences,” says Deems. Because banking jobs are very competitive, candidates who understand this and show it during the interview are likely to be taken more seriously.

What You Need in a Bank

With all of the changes in the banking industry over the last few years, it is getting harder and harder to get a bank that has everything you need.  And if they do, they charge a boat load of fees to pay for it.  When looking for a bank, here are some things you should look for, because the best banks out there still offer them.

Convenience

 Whatever bank you choose, it should be convenient for you.  For most, that means offering a full suite of online products, such as online banking and online bill pay.  It also means being able to reach you where ever you are – so does your bank offer mobile banking?

Finally, do you even need to go to the bank?  The best banks out there offer services such as scanning your checks into the computer, or taking a picture of your checks with your phone to process as deposit.

No Fees

 Next is how much in fees does your bank charge?  The best banks charge very few fees.  I’m a firm believer that you should still be able to get free checking, free checks for your checking account, and that your bank should reimburse any ATM fees you incur (especially if they are an online bank).

You bank should also not charge you any fees for transferring money or for using online services like Quicken or Mint.  You’d be surprised how many big banks do.

Full Service

Finally, I think that all banks should be full service.  Banks like Clydesdale Bank offer everything from basic checking and savings accounts, to loans and other services.  You bank should be there to serve your needs, and this means having everything related to your finances in one place.

Another popular bank even has insurance and investing under one roof, which makes it very convenient as a consumer.  However, make sure that you aren’t just doing it for convenience, but also because the prices and fees are reasonable.  With all the competition in the banking sector, there is no reason to choose the best deal!

Post by Robert

What are the Benefits of a Savings Account

Most people know what a savings account is: it’s a bank account that is offered by most banks and credit unions that allows people to deposit money in for safe keeping.  By you depositing money in a savings account, you are actually helping the bank make money.  The bank uses the money you deposit to make loans, and in exchange for this, the bank pays you interest on your money.  To get depositors, banks essentially put their savings accounts on offer by showcasing as high an interest rate as possible.  But what are the benefits to you, the depositor, for putting your money into a savings account?

Safety and Security

The biggest reason to get a savings account is the safety and security of your money.  If you have a large sum of money, you shouldn’t be keeping it in your house under your mattress.  That just isn’t safe – you open yourself up to the potential of being robbed.

By putting your money into a savings account at a bank, you keep your money safe.  Furthermore, your deposits will be insured up to the FDIC limit, so you don’t have to worry about your money being lost if the bank goes under.  This makes it a perfect solution for an emergency fund.

Income

Next, savings accounts pay interest on the money your deposit.  If you just keep all your money at home, you won’t earn anything on your stash of cash.  By shopping around for a bank with a good interest rate, you can earn a reasonable rate of return on your deposit.  This can be a good, secure, source of income, especially once you retire.

Flexibility

Finally, having a savings account allows for flexibility.  You can have your savings account be the central hub of your finances.  You can setup direct deposit to have your paychecks deposit into one.  You can also easily transfer money to a checking account to spend as needed.  And since you own the account, you can always withdraw your money from the savings account whenever needed.

Post by Robert