JESITAM'S BLOG !

Here’s a primer for saving money:  All you need to know about why, how and where to save your hard earned dollars. We’d like to give you a closer look at saving money. Here’s where we try to answer all your questions about the cash you want to keep safe. Saving money for many people, it sure feels like there’s just not enough money going around, but one way to change things is to curb spending habits and learn how to save. It sure sounds simple but why are our saving rates so low in the U.S. compared to other countries? I actually knew some people who still hid their cash in a safe in their house. With cash lying around like that, then there’s quite a temptation to make use of it somehow. If you leave the extra cash in an accessible place, you may be more likely to exchange it for that Bar Blender on sale at Sharper Image. I can tell you from experience that saving ranks up there in difficulty along with losing unwanted pounds or sacking a couple of bad habits (or vices?)...

The financial crisis and the years succeeding it have been pretty tough for the banking industry. And as a consequence of the crisis, it’s not uncommon to hear people slandering their local banks, and to notice how consumers are switching away from traditional banks and into other institutions, like their local credit unions. A lot of our trust in the banking industry has been compromised, no thanks to past bailout stories and the ongoing issues that beset the economy, the government and our financial institutions. But there are still good banks out there that want to remain on your good side. I’ve seen a few of them expanding handily into the online banking realm — ever wonder why so many of them are jumping into the web world full force? There are a few strong reasons for why internet banking has grown so quickly: 1. Online banks are cheaper to run. Online banks have lower costs than their brick and mortar counterparts, and many times, banks pass on the savings they incur to th...

1. Prepaid Debit Cards and Checking Accounts. One thing I’ve appreciated about my local checking account is the debit card. A lot of the bank products I’ve seen that don’t require credit checks fall in the debit card account category. And maybe that’s a good thing, as this type of account combines the convenience of using a card with a bank account. 1a)   iBankUP Prepaid Account iBankUP Prepaid AccountIf you’re seeking a debit card, then something like iBankUP might be a good fit for you. It’s a prepaid reloadable Visa card that comes with money management and banking features. With this card, you’ll have free direct deposit — it’s perfect for your paychecks or for those times when friends and family want to send you money. And the good news? It doesn’t require a credit check. You’ll also have the ability to refill your card with MoneyPaks from Green Dot retailers. These MoneyPaks are available from familiar retailers like Walmart, Kroger, and Walgreens, among others....