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Credit Unions Are a Neat Concept
>> 11.01.2009
By Nick Messe
The concept of credit unions originated in the United Kingdom. It was in 1844 that a group of weavers in Rochdale formed the Rochdale Society of Equitable Pioneers. It was formed to buy goods at wholesale prices and sell them to members at lower than the retail market price. The funds were raised by selling shares to members. The movement came to Canada in 1901 and it was a huge success. Attracted by the success in Canada, the first credit union in the United Staes was established in 1908.
Pierre Jay, the Massachusetts Banking Commissioner, and a Boston merchant by the name of Edward Filene were instrumental in passing the first state legislation in the United States in 1909 in the state of Massachusetts. Growth was slow, both for the legislation in other states and the Massachusetts Association. Only a very few states followed suit to pass laws on credit unions.
In 1921, Felene stepped up his efforts to get laws passed in other states and for the creation of more credit unions. He formed the Credit Union National Extension Bureau spending one million dollars from his own pocket. He hired the services of attorney Roy F. Bergengren to support his efforts for legislation. By 1925, 25 states passed specific laws and there were 419 credit unions with a total membership of 108,000. By 1935 the number grew to 3,372 with a membership of 641,800 and 35 states had laws allowing this type of operation.
In actual practice, CUs are an organized group of people that provide cheap financial service to their members. The members pool their resources. Unlike banks, the stress is on giving financial services to members rather that making a profit.
Most are governed by a voluntary board with the board members being local people. The banks have highly paid professionals on their board. They have to be paid a hefty sitting fee and traveling expenses. You can see how that amounts to a huge saving for these member based organizations.
The banks are motivated by profit which is disbursed among the stockholders. On the other hand, the intention of the credit unions is to provide cheap credit to members. These factors help them keep their operating costs very low. As there is no profit motive there is no need to show big surpluses in the balance sheet.
Compared to banks, the CUs have no intention of making huge profits to distribute among the stockholders. Since expenses are kept very low, it allows CUs to offer credit to their members at very low rates. They also keep their service fees for their members very low.
For the same reason credit unions are also able to offer better mortgage deals. That is also why they can pay much better returns on the savings of the members. The surplus funds available are distributed among the members as dividends. You'd be wise to join a credit union in your locality.
Enjoy the convenience of online banking with ICCU - the Illinois Community Credit Union - Our goal is to return profits to our members by offering more service with lower rates on things such as Dekalb Mortgages and Sycamore Auto Loans - 815-895-4541 - http://www.ilcomcu.org
Article Source: http://EzineArticles.com/?expert=Nick_Messe
Finding an Accountant in Harrow
>> 10.29.2009
By Manoj Shah
A lot of people are finding that they are working longer hours than ever before over the last couple of years. This means that there is less time for general business admin tasks such as sorting out your accounts. Unfortunately, this is a very important aspect of any business and has to be done.
Luckily, there are various different ways of getting around this problem. For example, it is now very common for people to hire an accountant to do the hard work for them. Doing this has many advantages such as saving time and having the peace of mind that you are dealing with professionals who know exactly what they are doing.
Another great thing is that as demand is increasing, so is the number of accountants. This means that you have more choice and can find someone local to you. Whether you are looking for an accountant in Harrow, Southampton, Nottingham or anywhere else in the UK, you are bound to find one close to where you are based.
Those who have never used someone to deal with their finances for them will be pleased to know that it is a simple process to go through. The first step is to find a company local to you. For example, if you are based in Harrow then search for 'accountant in Harrow'. The advantage of using a company close to you is that you can meet the person you will be working with and can work face to face as opposed to over the phone. Not only does this mean you will build a better relationship with your accountant, but it can also help you to understand how your finances work.
Like with any product or service you are looking into, chances are that you are likely to want to look at various different companies before committing to one. This is easily achieved and can be done from your search 'accountant in Harrow'. Obviously this search is going to bring up a list of accountants in Harrow which means that you can click on the various different links to see their websites. Visiting a company website is a great way of finding out more about a business and what they have to offer.
There are various different ways of searching for an accountant which means that you're unlikely to struggle to find exactly what you're looking for. Regardless of whether you search for an accountant in Harrow in a search engine (Google, Yahoo, MSN), Directory (Yell, BT, Thomson) or even Google Maps, you are likely to find just what you are looking for.
Chances are that you are going to find several companies who offer similar services within a close proximity to each other. Whilst this can be a good thing, it also makes it difficult to decide which one to use. If you find yourself in this situation don't be afraid to call the company and ask questions. This is a good way to get a feel for the company and suss out how helpful they are which is a good reflection of how they are going to treat their customers.
Article Source: http://EzineArticles.com/?expert=Manoj_Shah
Help With Credit Card Debt
>> 10.25.2009
By Elanora T. Kelly
Dealing with debt
Credit card debt follows a depressingly predictable pattern. First you fall behind and get a polite letter saying you need to make a payment. Then you get another more urgent letter asking why you have not responded to the first letter. Next you start getting phone calls from the credit card company. Several calls, sometimes three or four a day, especially at night when you are trying to switch off and relax.
After a while they give up on that and refer you to a debt collection agency. Now the debt collection agency wants you to pay in full, and in certain countries if you can't pay they're going to go to court and get a bailiff to turn up at your house and demand payment. If you still can't pay, they can get a court order to enter your house and take away any goods they can get their hands on to settle the debt. There's a list of things they can't take like your bed and a few pots and pans, but your TV, your DVD Player, your PlayStation, all your valuables, even your sofa, they'll be loading them in their van with a grin on their face.
Dealing with credit card debt can be extremely stressful and, as more and more people are discovering it's easy to go into credit card debt. It's not nearly as easy to get out of it. Here are a few tips you can use to help you deal with credit card debt.
Cut down on expenditure. You're going to need all the spare cash you can get to try and service the debt. It's not fun, but it's better than a debt collection agency making your life a living hell.
Contact Your Creditors: Ignoring or avoiding phone calls from your creditors will not make them decide to just give up and forget. Interest will continue to accrue. And nasty letters in big red type from debt collection agencies will continue to fall very frequently on your doormat. It's actually in the best financial interests of your creditors to come to an agreement with you, so talk to them, negotiate and see if you can arrive at a repayment plan. Then it's important you stick to it. Do not over promise what you can repay. Fall behind and you will be back to square one.
Credit Counselling may be an option, but do your homework. The recession has been a boom business for cowboy debt counsellors who want nothing more than to take money off you and make your debt situation even worse. Check with officially approved and reputable counsellors. A debt lawyer should be able to point you in the right direction.
Stay committed and proactive in reducing your debt. Make a budget and stick to it. Slowly but steadily does win the race, and getting out of the debt cycle is a tremendous relief.
When looking for a Credit Counselling Company be sure to list your requirements and check out these companies.
You also need to be aware that some debt settlement companies will take your money and you will still receive chasing calls from your credit card company. You have to be certain in your own mind that you are willing to entrust your debt settlement matters to a third party. To find out more about this method, there are several online resources worth checking.
Learn More about Credit Card Debt
For information on all types of ways to Help with Credit Card Debt come to consolidatingcreditcarddebtforyou.com
Article Source: http://EzineArticles.com/?expert=Elanora_T._Kelly
Settle Credit Card Debt - Avoiding the Credit Card Debt Trap
>> 10.23.2009
By Elanora T. Kelly
Credit cards have made life so easy for us we forget what it was like before they existed. In fact many of us have never known a time without them. Today a credit card is an essential piece of financial kit to have with you. With the advance of the internet and state of the art online merchandising, purchasing everything from airline tickets to buying the latest John Grisham bestseller can be done with just a couple of mouse clicks.
Credit cards are the best buy now pay later scheme going, and if you can balance your credit cards properly and settle in full at the end of each month, it doesn't even cost you anything. Ah, but therein lies the problem. They are just too deliciously easy to abuse. The car needs new tyres, the kids need new clothes, and suddenly you have overspent. To pay it all off in full is going to eat too heavily into your monthly wages.
It happens to the majority of people who have credit cards, more especially to those who hold dozens at the same time. That's when the banks rub their hands in glee and start piling on the interest. They've got you. You have fallen into the credit card debt trap.
If it gets out of hand, let's take at ways you can settle your credit card debts.
Since you have voluntarily signed up for credit, there are rules that govern this type of loan. The deal is, if you can't settle in full you will be charged ongoing monthly interest.
When it gets to extremes and you find you can't settle your credit card bills, that's the time you need to reach an agreement that will be beneficial for both you and the lender.
You can write to your credit card company detailing your intent to start debt settlement proceedings. You can hire a lawyer to represent you, or you can hire a debt settlement company to directly communicate with your lenders. Be aware though that while many debt settlement companies will have the expertise in dealing with credit card companies, they are paid a monthly administrative fee to facilitate all debt negotiations. You also need to be aware that some debt settlement companies will take your money and you will still receive chasing calls from your credit card company.
You have to be certain in your own mind that you are willing to entrust your debt settlement matters to a third party. To find out more about this method, there are several online resources worth checking.
When looking for a Debt Settlement Company be sure to list your requirements and check out these companies. You also need to be aware that some debt settlement companies will take your money and you will still receive chasing calls from your credit card company. You have to be certain in your own mind that you are willing to entrust your debt settlement matters to a third party. To find out more about this method, there are several online resources worth checking. Learn More about Credit Card Debt. For information on all types of ways to Settle Credit Card Debt come to consolidatingcreditcarddebtforyou.com.
Article Source: http://EzineArticles.com/?expert=Elanora_T._Kelly
Daily Forex Analysis and Predictions for Oct 21, 2009
>> 10.21.2009
By : Gainscope
EUR/USD
It is more likely to go up to around 1.4970 or may be 1.5, and after that, it might have potentially to go down to around 1.49.
(Current Price: 1.4912)
GBP/USD
It is more likely to go up to around 1.6450 or may be 1.65, and after that, it might have potentially to go down to around 1.64.
(Current Price: 1.6372)
AUD/USD
It is more likely to go up to around 0.9250 or even 0.93, and after that, it might have potentilly to go down.
(Current Price: 0.9220)
USD/JPY
It is more likely to move zig zag, or reaches 91.
(Current Price: 90.68)
USD/CHF
It is more likely to go down to around 1.0070, and after that, it might have potentially to go up to around 1.0150 or higher.
(Current Price: 1.0133)
Source : Gainscope
Aplikasi Facebook Top Ten
>> 10.16.2009
10 Tools dan Aplikasi Facebook Yang Menarik
Facebook mempunyai anggota dari hari ke hari bertambah banyak dikarenakan facebook membebaskan penggunanya menggunakan aplikasi bahkan membuat sendiri aplikasi tersebut. Facebook mempunyai banyak tools dan Add-Ons yang dapat membuat anda nyaman jika bermain dengan facebook.
Disini ada 10 Tools dan Aplikasi Facebook yang mungkin dapat membuat anda nyaman bermain dengan facebook dan dapat pula mempermudah anda dalam mengelola facebook anda.
1. Facebook Toolbar (http://developers.facebook.com/toolbar/)
Facebook Toolbar memiliki kotak pencarian, pemberitahuan, sebuah ikon yang dapat digunakan untuk memeriksa gambar teman-teman anda dan statusnya.
2. Simple Photo Uploader
(http://code.google.com/p/fb-photo-uploader/wiki/FacebookOverview)
Simple Photo Uploader adalah sebuah aplikasi desktop untuk facebook yang dapat membantu anda meng-upload foto dengan mudah.
Simple Photo Uploader juga memberikan kemampuan untuk menandai foto.
3. FacePad (https://addons.mozilla.org/en-US/firefox/addon/8442)
Facepad adalah add-ons firefox yang memungkinkan anda men-download teman facebook dan acara album.
4. Advanced Wall (http://www.facebook.com/apps/application.php?id=3118555174)
Daripada memposting pesan melalui pilihan default, Advanced Wall dapat memposting foto, gambar, graffiti, video, flash, mengubah ukuran teks dan warna, bersama dengan banyak hal-hal lain yang sederhana dengan menggunakan editor WYSIWYG.
5. Facebook Mobile (http://www.facebook.com/mobile/)
Facebook Mobile adalah aplikasi yang digunakan oleh banyak pengguna.
Memberikan anda kemampuan untuk meng-upload foto dan catatan dari kamera telepon langsung ke Facebook.
6. ScrapBoy (http://www.scrapboy.com/en/downloads/)
ScrapBoy adalah sebuah aplikasi desktop untuk aplikasi facebook yang dapat digunakan untuk melakukan hampir segala sesuatu yang berkaitan dengan facebook.
Dengan fitur seperti menulis posting dinding, melihat foto atau Facebook chatting, melihat ‘dinding’ beberapa teman-teman, album foto dan jendela obrolan pada saat yang sama dan yang lainnya.
7. Graffiti (http://apps.facebook.com/graffitiwall/)
Graffiti adalah aplikasi berbasis facebook yang dapat digunakan untuk menggambar pada dinding teman-teman anda.
8. Task Master (http://apps.new.facebook.com/todolist/)
Task Master memungkinkan Anda mengelola tugas-tugas anda di facebook secara lebih efisien.
9. Friends Organizer (http://apps.facebook.com/friendsorganizer/)
Friends Organizer adalah nifty aplikasi yang dapat digunakan untuk mengurutkan daftar kontak Anda ke dalam grup, seperti schoolfriends, teman-teman kerja, teman-teman media sosial dll.
10. Last.Fm Music (http://apps.facebook.com/lastfmmusic/)
Last.Fm Music adalah aplikasi musik untuk semua orang-orang yang suka musik dan tentunya Last.fm.
Anda dapat membandingkan musik Anda dengan teman-teman, mendengarkan lagu mereka, dan menempatkan kotak dari artis dan album foto pada profil Anda.
Source : Adesepele
Koordinat Pemandangan Unik Di Google Earth
>> 10.15.2009
Google Earth merupakan sebuah program globe virtual yang sebenarnya disebut Earth Viewer dan dibuat oleh Keyhole, Inc.
Program ini memetakan bumi dari superimposisi gambar yang dikumpulkan dari pemetaan satelit, fotografi udara dan globe GIS 3D.
Tersedia dalam tiga lisensi berbeda: Google Earth, Google Earth Plus dan Google Earth Pro.
Jika anda sering bermain-main dengan google earth, berikut letak Koordinat yang berisi pemandangan-pemandangan yang unik yang berhasil di rekam oleh google earth.
1. Gambar Kepala Indian
Gambar ini terdapat di Alberta, Canada.
Koordinat : 50.010083,-110.113006
2. Crop Circles
Terletak di padang pasir dipinggiran Beatty, Nevada.
Koordinat : 37.401437,-116.86773
3. Gambar Oprah Winfrey
Terletak di Arizona.
Koordinat : 33.225488,-111.5955
4. Kelinci Raksasa
Terletak di Prata Nevoso, Italia.
Koordinat : 44.244273,7.769737
5. Logo Ford Raksasa
Terletak di Detroit, Michigan.
Koordinat : 42.302284,-83.231215
6. Danau Berwarna Merah
Terletak di Irak
Koordinat : 33.39845000,44.48416800
7. Gedung Berbentuk Lambang Nazi
Koordinat : 32°40′33.83″N 117° 9′28.36″W
8. Gambar Logo Firefox
Koordinat : 45° 7′25.87″N 123° 6′48.97″W
9. Gambar Singa Di Padang Rumput
Koordinat : 51°50′43.09″N 0°33′11.03″W
10. Gambar Logo KFC
Koordinat : 37°38′43.31″N 115°44′59.03″W
11. Tulisan Coca-Cola
Koordinat : 18°31′45.67″S 70°15′05.25″W
12. Gambar Lingkaran Aneh
Koordinat : 53°31′54.19″N dan 1°21′24.27″W
13. Pesawat Jet Parkir Di Depan Rumah
Koordinat : 48.825183,2.1985795
14. Kumpulan Bikini
Koordinat : -33.892351,151.27538
15. African Break Time
Koordinat : 15.298693,19.429661
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