Learn How to Bank Like a Banker
by Kimberly A. Griffiths
The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers’ behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it’s time to do some competitive shopping.
Before becoming furious with your bank, it may be that the products you’re using no longer meet your personal needs. If you have an established relationship with your bank, inquire about the other types of lower-cost checking and savings account products.
By understanding the rationale of why a bank charges fees for different services will allow you to be a savvy banking customer. If human contact is required to serve you, such as a teller or personal banker, this is very expensive for the bank. The incentive is for banks to encourage more high-tech, “low-touch” methods of meeting your needs. This is accomplished by servicing as many customers as possible with........
"Thoughts are energy, and you can make your world or break your world by your thinking."
Preparing To Buy A Home
The very first thing you should do is to make sure you are ready, willing and able to buy.
Owning your own home is one of the most gratifying experiences you can have but going through the process of buying it can be both dramatic and traumatic if you are not prepared. To make your experience as pleasant as possible, there are some important steps you can take to eliminate some of the drama, and the trauma, before you start looking.
Sometimes, everything falls into place and goes like clockwork and that is a good thing. But in the real world, the process is not always smooth and buying a home can get frustrating. Talk to a realtor and tell him what you want in a property. This means, the number of bedrooms, the number of bathrooms, if you want a family room, a fireplace or a swimming pool or any other amenity. You may prefer one city over another or you may want a condo instead of a house.
Tell your realtor what you feel you can afford and then seek the assistance of a lender, whether it be a bank, mortgage company or credit union. Find out how much money you will need as a down payment and then ask your realtor how much you are going to need for........
"Mediocrity knows nothing higher than itself; but talent instantly recognizes genius."
All You Need To Know About The Music Business
Up to date on new business models including music streaming services
“The industry bible” (Los Angeles Times), now updated, essential for anyone in the music business—musicians, songwriters, lawyers, agents, promoters, publishers, executives, and managers—trying to navigate the rapid transformation of the industry.
For more than twenty years, All You Need to Know About the Music Business has been universally regarded as the definitive guide to the music industry. Now in its ninth edition, this latest edition leads novices and experts alike through the crucial, up-to-the-minute information on the industry’s major changes in response to today’s rapid technological advances and uncertain economy.
Whether you are—or aspire to be—a performer, writer, or executive, veteran music lawyer Donald Passman’s comprehensive guide is an indispensable tool. He offers timely, authoritative information from how to select and hire a winning team of advisors and structure their commissions and fees; navigate the ins and outs of record deals, songwriting, publishing, and copyrights; maximize concert, touring, and merchandising deals; understand the digital streaming services; and how to take a comprehensive look at........