(ARA) - Have you ever rushed to the bank to deposit your paycheck before the cutoff time? Have you ever played "beat the bank" -- writing checks before making a deposit? Have you ever made a trip to the bank just to deposit your paycheck? Have you ever lost checks that needed to be cashed or deposited? If you answered yes to any of the above, it's time to reconsider the way you bank. Banking should be easy and convenient, and it can be with direct deposit. According to America's Community Bankers, an independent national trade association representing the nation's community banks, having your paychecks routed to your bank electronically is one of the easiest and safest ways to improve your banking routine. Here's why: Direct deposit is reliable. Direct deposit puts money in your account on time, every time.
And checks don't get lost. The Social Security Administration has used direct deposit for benefits payments since 1976 and has never lost a payment. And with direct deposit, you don't have to wait for your checks to catch up with you if you move to a new address. Direct deposit is convenient. You don't have to make that special trip to the bank if you have direct deposit.
This is a real convenience if you're on vacation or away on business. And you can be confident that the funds will be credited to your account safely and ready to use, whether you're at home or halfway around the world. Direct deposit is quick. With direct deposit, your money is transferred electronically into your account and available to use instantly once the transfer is complete. When you deposit your paycheck in person, you may have to wait up to three days to access all of your funds because some banks put a "check hold" on paychecks to ensure that the funds clear.
With direct deposit there's nothing to "hold" since it's transmitted electronically directly to your bank account. Your money also begins collecting interest immediately if you have it in an interest-bearing account. And above all, direct deposit is secure. You don't have to worry about lost, stolen or misplaced checks with direct deposit. With the electronic trail that direct deposit leaves, deposits are easier to track than paper checks.
And if you are one of the many individuals that will be receiving a refund from the Internal Revenue Service (IRS) this coming tax season, direct deposit enables the IRS to deposit your refund up to three weeks earlier than if you were to receive it by mail. Your banking can be hassle-free and secure. Talk to your local community banker about direct deposit and other ways to enhance your banking opportunities. For more information about America's Community Bankers, visit www.americascommunitybankers.com, or call (202) 857-3100..
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.comIllegal Online Casino Gambling on the Rise in Israel. Reported by the worlds-best-online-casinos.com
(ContentDesk) October 13, 2005 -- This growth of online casino gambling, in such sites as http://www.worlds-best-online-casinos.com has caused some consternation in among the legal community. The fear is that as people gamble more and more, many of the problems that are associated with gambling will begin to surface. Among them are gambling by minors, compulsive gambling and money laundering. While all these things have existed in Israel before, the authorities are worried that as more and more people gamble in the online casinos, these issues will become at the forefront of the nation's problems.So pronounced has the problem become, that the Ministry of Justice, in conjunction with the police, have all but declared war on the online casinos. In a meeting between the Chief Justice and the Police Head of Intelligence it was decided to begin firm and decisive moves against illegal gambling in Israel.
Their first...
Illegal Online Casino Gambling on the Rise in Israel. Reported by the worlds-best-online-casinos.com
Online Auctions: 10 Secrets You Should Know Before Bidding
Yes! You know many online auction sites.
'Course you may have participated in some of the biddings.
The next time you decide to bid for a product or a service, do remember these vital online auctions secrets and tips.
1:Important to know the value of the product you plan to bid. Product is new? Check the price
retailers are charging for it. It helps in two ways, you'll know the original cost and helps you to pay way less than the retail value, if it is old or re-conditioned.
2:To ensure that you get a good product, get the complete information and picture of the product
from merchant, if the details are incomplete on the site.
3:Decide your maximum paying limit and stick to it lest you may end up caught in the 'bid war' and end up paying more than the actual cost.
4:It is always good to check a few auction sites for you may find the same product at a much lesser price in some...
PreCharge Risk Management Solutions Announces a Revolutionary Credit Card Fraud Prevention System for Online Businesses
NEW YORK, NY (ContentDesk) July 29, 2004 -- "The unfortunate onslaught of credit card fraud has continued to drive new businesses into the ground and existing businesses away from the incredible sales medium that the Internet once was," says Alex Corral, Director of Technology at preCharge Risk Management Solutions. "While the industry has made one attempt after another to provide solutions, they have either become ineffective or too expensive. preCharge is affordable and easy to use, and combined with our ability to adapt to the ever-changing market place, we believe that preCharge will become the Internet standard in the fight against the continued attack on Internet e-commerce."The preCharge system was designed for all users, from the novice Webmaster to the skilled software engineer. PreCharge features include:Credit Card ValidationHigh risk bin checks, charge-back history, repeat ordering, and over 20 credit card checks are included
Free e-mail database checks, advanced...
Renowned Artist Jeff Wilkie Signs Exclusive Agreement with Window Canvas?
(ContentDesk) February 7, 2006 -- Window Canvas will offer access to all of Jeffs amazing artistry. Jeff Wilkies Collections feature ocean and marine life images which include dolphins, seascapes, whales and other wildlife. Jeff Wilkies art has been licensed for a myriad of products including: puzzles, greeting cards, tee shirts and computer mouse pads which are consistently number one in sales for the manufacturer. This spring Jeffs art will be featured on a full line of checks, checkbook covers, address labels and wall murals nationwide. "I met Bianca Hennings at the SEMA Show in Las Vegas and was very impressed with the unique product manufactured by Window Canvas.
I am very happy to have my artwork added to their line of products. stated Jeff. Beyond traditional licensed products Jeffs art has been featured numerous times as a fine art prize on the long running game show Price is Right. In 2005, Jeffs work was utilized on exposition materials by the prestigious Architectural...
Renowned Artist Jeff Wilkie Signs Exclusive Agreement with Window Canvas?
How does Check 21 affect you?
Every year nearly 60,000 airplanes take off and land with an estimated 36 billion paper checks at an annual processing cost of $8 billion. Who pays this $8 billion dollars? The banks and credit unions across the nation, that's who. Why do they go to all this effort and expense? Many state commercial codes stipulated that only a canceled check was proof positive of payment. Since there are nearly 18,000 financial institutions in the United States, most of them have not been able to charge fees to cover this $8 billion cost of letting you have a checking account. This means that all of that money has to come out of other fees, penalties and loan rates.
At least this was the truth until October 21, 2004 when a new federal law took effect trumping states rights to regulate banks within their borders. The Check 21 Act allows a paper preprint of a check to be considered the equivalent of the original check. In English this means a bank in Oregon can copy a deposited check, send the...
How does Check 21 affect you?
Protect Yourself From Scams - Do a Little Homework!
SCAM - - a fraudulent or deceptive act or operation...We are all afraid that some business we get into mightturn out to be a scam. But sometimes the personal needsof individuals outweigh the thought process needed torecognize that something could be fraudulent. Many peopleare looking for ways to make extra money and the Internetcan provide many ways to accomplish that need. But it canalso provide an easy vehicle for individuals to losetheir hard earned dollars.We recently did some research on a program that we wereinterested in and found that the entire operation wasquite questionable. While we couldn't prove that it wasoutright fraudulent at this point, we saw enough risksto say no, we are going to put up any money.
We alsoadvised the 90+ people who joined based on our referraland most have told us that they are passing it up too.Sometimes all it takes is to do a little checking on yourown behalf. Sure it takes time but if you invest a littleof that time up front you may save...
Protect Yourself From Scams - Do a Little Homework!
Playing Ace-King in Texas Holdem
Everyone who plays Texas Holdem knows that Ace-King is one of the very best starting hands. But, it is just that, a starting hand. It's only 2 cards of a 7 card equation. In nearly every situation, you want to come out firing with A-K as your hole cards. (The exception would be when faced with a big raise from an early position bettor.) When the flop comes, you need to reassess your hand and think things through before you just assume your overcards are best.Like many other situations in Texas Holdem, knowing your opponents will help you gauge your situation when you hold A-K and see a flop like 9-8-2.
Since you bet preflop and were called, you assume your opponent is also holding good cards and the flop may have missed them as badly as it missed you. Your assumption will often times be correct, but they could be holding a pocket pair and be leading in the hand, or worse yet have pocket 9s, 8s, or 2s. Also, don't forget that many poor players wouldn't know good cards if they tripped...
Playing Ace-King in Texas Holdem