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Internet Banking

With all the attention online banking has received in the last couple of years, it seems there are new online banks popping up everywhere. Users are choosing online banking for its ease and convenience. And while issues of identity theft are important factors to consider with online banking, it has not stopped people from utilizing the Web to streamline their finances.

Even more importantly, recent studies suggest that Internet banking doesn't just make life easier, customers who choose it seem to be more satisfied with their bank. The two areas of greatest satisfaction fall in the categories of the convenience online banking provides and the ability to pay bills online. The report also shows that users who pay their bills online experience not only satisfaction with the ability to bank online, but with their specific banking institution, suggesting users have strong confidence in their bank's ability to secure identity. In fact, similar reports have also shown that those who pay bills online retain their business longer at a particular bank than those who do not use a bank's online service.

Many first-time users come to online banking to access their account information such as account balances and check activity. That is followed by the ability to transfer funds between accounts. And finally, many users then move into online bill payment.

Perhaps they start with paying a few utilities online at the utility's website. They may then look into the online bill payment service offered by their bank. Now, banks are seeing more and more users receiving bills electronically.

Yet for some bank customers, concerns about identity theft keep them from trying online banking. Interestingly, their counterparts who do use the Internet to conduct banking do not seem to hold those same perceptions. Most are satisfied with the level of online security offered by their banks. The challenge then for banks lies in the continued education of their customers to try online banking and discover for themselves the high level of security in place at most banks. Once those customers give online banking a try, perceptions of risk seem to decrease, reports indicate. Surprisingly, these same reports discovered that today's security measures put in place by PC users and banks have many ID thieves targeting potential victims offline.

The following are a few tips to consider when choosing an Internet bank account:

• The Annual Percentage Yield (APR) may be higher with Internet bank accounts, and therefore one of the most important attractions for those looking for a high yield. Conducting transactions online may save the bank money, and those savings may then be passed on to the online customer, most often in the form of higher savings rates.
• Ability to access money. Online users need to consider what steps are involved in accessing their money in an online account.
• Ability to link accounts. Users want the ability to link various accounts to one another, making it easy to move money seamlessly between online bank accounts.
• What types of additional services are available? Potential users should be interested in not only banking online, but purchasing CDs, applying for a mortgage, and paying bills online.
• Security. Users must confirm that their online bank is FDIC insured and that the security system can be trusted.
• Ability to set up automatic savings account. There's no reason not to save today with an online account that electronically deposits money into a savings or money market account.

Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.

You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.

Here are some tips on how you can teach your children how to save money:
1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

Author: Norleen Gray
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Blogging for Money to an End...

Morgan Stanley former economist Andy Xie warned of an imminent stock market crash in China, undeniably China is now has one of the world’s most influential economy alongside Japan, German, and the United States. Any minute disturbance or rumours would literally bring the entire world to another recession, something like the Great Depression in the early 19th century.

According to him, the recession would start from the United States and spiral down into Asia where exporters would be hit, he also warned that the global boom in equities would be over by 2008, which could be true considering the fact that after the Summer Olympics 2008, business would dwell in China and if things spin out of control, the rest is history, on top of that China GDP is growing at a rate of 8% - 10%, which is way above the average GDP and it is a basic principle of the universe where a reaction will create an un-opposing reaction, like an equation.

How about bloggers? and the internet? Personally I believe the Internet would be the hardest hit, or shall I say the first to hit the bottom. This recession is going to blow bloggers out of the water, they are not going to know what hit them. It is the end of blogging for money.