Most people today have a checking account. Some may have two, a business and a personal account, which is the way it should be to keep the two types of funds separate. There are several choices to make when selecting checks for these accounts. It is all a matter of preference, but a person can choose between traditional wallet, side tear or top stub checks.
While each of these styles will provide the same type of information, the ease in accounting is a little different. Many people choose the side tear style. These are easier to tear and the check information is recorded on the side stub.
Many businesses also use the side tear style. Since this style can be used in a binder, they are easy to use and store for business owners. They are typically in pages with three checks on each. This type of format makes it very easy for businesses to record their information on the stub and have balance information at a glance.
When using a top stub format, it offers another at a glance accounting feature. With the recording area at the top, it is every easy to see the balance of the account and is very easy for immediate recording.
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The recent market pullback has been cruel to clean energy and solar exchange traded funds. Solar ETFs have seen losses totaling around 20% over the past three months.
Now technology giant Google is taking part in an alternative energy investment plan designed to benefit the environment, while helping out homeowners who are interested in solar energy panels. Together with SolarCity, Google will outfit 10,000 rooftop solar systems at no cost to the homeowner.
“A key thing for us when we move into a market is can we save a business or homeowner money, and if there’s no local incentive you can’t do it,” says SolarCity CEO Lyndon Rive, on NPR.
“The companies are coming into Massachusetts, existing companies are growing in Massachusetts and they’re creating jobs,” Rick Sullivan Jr., Massachusetts’ secretary of energy and environmental affairs, says, as reported by NPR. “They’re becoming a very important part of the economy.”
According to Ian Andrew on Greener Ideal, this is Google’s seventh alternative energy project, with about $680 million invested into these projects. Google stands to gain a
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I’m not the kind of girl that melts over fancy jewelry. Sure, I love my grandmother’s diamonds and my mother’s garnets, but that has nothing to do with the stones and everything to do with the fact that I love my grandmother and my mother and the jewelry reminds me of them. Even when I wasn’t dedicated to digging out of debt, I didn’t buy expensive jewelry.
Diamonds are the one thing you can fake. I can’t fake a house or a car, but I sure can wear a cubic zirconia ring that looks an awful lot like the real thing and I do.
Of course, there is a problem…
The town near ours holds a street fair every Christmas. At this fair, one of the antiques dealers sells replica antique rings for $29. Over the years, I’ve acquired two rings from his booth. Without fail, whenever I wear the rings, someone compliments them and asks two questions…
1: Is it an antique? 2: Is it real?
Obviously, saying, ‘Nah, it’s a cheap knock-off I bought from a street gypsy who sold it to me in a tasteful paper sack held together by scotch tape’ isn’t the answer I want to give.
It’s bad enough I
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We live in the modern times where credit plays a big role in the society. In fact, consumers are encouraged to acquire credit in order to build personal credit history. In this article, let’s talk about how credit can be managed more effectively to avoid the risk of bad debt.
On Mortgages
If you plan to apply for a housing loan any time soon, seriously consider how much you plan to take on. Most banks will offer an amount based upon your monthly earnings which is often 30%-35% of your income. Should you borrow the full amount available to you?
Before you decide, keep in mind that your choice today will have a long term effect to your financial situation. Because a mortgage loan involves long term repayment, you will be subjected to a monthly payment for up to ten to 15 years. It’s very important to consider whether you will be able to keep up with your obligations consistently.
Thus, even if you are qualified for a bigger amount of loan, be realistic. According to financial advisors, a borrower must consider taking on a mortgage loan no more than 20% of his/her income. If you still can afford to pay 10% to 15% higher than your earnings, put in your savings account.
It’s also recommended to get pre-approved first before searching for possible homes.
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Apparently, distressed homeowners aren’t the only ones getting the run around from big loan servicers. Federal regulators are, too.
The Huffington Post reported today on a stinging declaration given by U.S. Housing and Urban Development fraud examiner William W. Nixon in an Arizona lawsuit against Bank of America.
Nixon, tasked last year with investigating the bank’s foreclosure practices on behalf of the Federal Housing Administration, says Bank of America “significantly hindered” a review of the loan servicer’s foreclosure practices on FHA-insured loans.
Nixon, an assistant regional inspector general for audit for HUD’s Office of the Inspector General, said the bank delayed interviews of employees and refused to allow some employees to answer some questions. It also delayed providing “readily available information” on the bank’s processes and controls.
The bank provided incomplete information in response to his office’s subpoenas for documents, he said in the sworn statement dated June 1.
At one point, HUD resorted to asking the Department of Justice to compel testimony, which Nixon said was a “less effective way of obtaining an understanding of procedures and practices used by the bank.”
Nonetheless, Nixon’s review found an assistant vice president signed 75,000 foreclosure-related documents between Oct. 1 Read more…
