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One Cent At A Time

A Personal finance blog to get rich

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How to Keep your ATM/Debit Card Safe?

September 3, 2022 1 Comment

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Do you remember a time when people used to lock up their gold, coins, and other treasured assets in lockers, safes that were created below homes, and so much more? Keeping things safe was such a big deal back then. Thankfully, it isn’t that way anymore.

How to Keep your ATM Card Safe?

Oh, wait! Is that really the case today too? When you think about it – keeping things safe even today is very often crucial. Though we pretty much do not carry around money or precious jewels all the time, it is most important to keep things safer than ever before. This is because it’s become easier than ever today to lose everything we have without even knowing it. 

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Why Writing An Incident Report Important For An Investigation

January 6, 2022 Leave a Comment

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Being a manager or an employer in any company, business or organization can be pretty challenging. You have to oversee all the activities of your staff and you also have to ensure that everything is running smoothly within your premises. That means you have to be aware of everything happening around you so that if something goes wrong, you are already ready for it.

You would not want to find out later on that something bad happened or something illegal happened right under your nose without knowing about it. This is why managers and employers should know how important incident reports are, as they can help them prevent those things from happening again.

What Is An Incident Report?

Incident reports capture information regarding events such as accidents, or even terminated employees who were caught performing criminal activities. Some reports involved damage to the company’s properties like loss of equipment or even theft and arson among others. The information gathered in such a report is used as evidence when it comes to filing claims with insurance companies, making police case reports and preparing legal documents about an accident at work, and many more.

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Pay Attention to Finance Charges

August 26, 2021 Leave a Comment

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Everything comes with a price.  If you aren’t aware, financial companies and banks might be charging you several hidden fees or finance charges. Be careful about these finance charges that you might be paying.

Pay Attention to Finance Charges

Everyone needs to be vigilant and regularly watch their bank accounts for unfamiliar items. I use PersonalCapital to see all my accounts in one place. Here’s how you can avoid extra and hidden financial charges

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How to Bank Better Online

October 20, 2020 2 Comments

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We are quickly becoming a cashless society. As we rely more on technology and less on the change in our wallets, internet banking is now something most of us use on a daily basis. While convenient and efficient, digital banking does come with risks.

How to Bank Better Online

Cybercriminals spend their time looking for vulnerabilities, in an attempt to steal one of your most valuable possessions: your identity.

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Beat the Inflation with High-interest Savings Account

June 23, 2019 Leave a Comment

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Are your savings a little wimpy? Maybe you are working as hard as possible only to see a small trickle of funds to reach your savings account. Don’t despair, there are ways to beef up your bucks without getting a second job.

Building long term wealth can give you the freedom to live life while your money does the heavy lifting, and it all starts with investing. Instead of letting your savings sit around and gather dust, you can put your money to work. Your money can earn savings account interest and start to grow some muscle.

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Is Online Banking Safe?

June 14, 2016 15 Comments

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When I received this guest post, I was wondering, was it going to add any value to my readers? Then I read the post and found out that only 46% of internet users use online banking. There must be a reason half of them don’t use online banking. To me, online banking is a boon I never bank at local branches, I can do everything sitting on my couch using bank’s website or app.

Online BankingIn today’s digital world, everything seems to be done online. From talking to friends and family via video chat to shopping and everything in between, the Internet is completely eliminating the middlemen, including bank tellers in traditional bank branches around the world. Nearly every bank today offers online banking options that allow their customers to manage every aspect of their checking, savings, or investment accounts as well as perform a number of convenient functions through an online banking portal.

The majority of today’s banking customers now utilize online banking to review their accounts, transfer funds, make payments , and perform a host of other useful functions. In fact, according to MSN Money, more than 46 percent of Internet users in the U.S. utilize online banking. Unfortunately, like anything else in the virtual online landscape, there are pros and cons to online banking.

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Top 5 Sites to Order Online Bank Checks To Save Money

April 13, 2016 2 Comments

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I don’t use bank checks very often, I’d prefer e-check facility most banks provide today. Where in you can send payment via email ID, phone number or simply by name and address. But there are often times when you need to write a paper check. When I last ordered paper checks it cost me around $40 for 50 leaves. This time, I did my research and obtained 200 leaves for only $12 from Bradford Exchange Checks.

Based on this experience my advice to you would be to go for cheaper online check ordering sites, rather than ordering them directly from your bank. It’s secure, convenient and cheap. While ordering I did my research on the sites that offer check order service. Here I’ll list of 5 tops sites to order checks from.

Pre-considerations 

Different factors need to be considered when you plan on ordering checks online. You would definitely be considering the price, the delivery options, the security. Here are some factors that you can use as a guideline when choosing the company to order check from:

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What is Investment Banking?

October 11, 2015 2 Comments

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Investment banking is a specific division of banking that relates to creating capital for companies. Many investment banks do not take deposits as commercial banks do. The three main areas of investment banking are sales and trading, asset management and investment banking.

The largest investment banks offer all three services, but there are smaller firms that focus on just the investment banking area. Most investment banks spread investments and securities management in several regions of the globe to ensure a wide coverage of multiple financial markets.

An investment bank will underwrite equity securities and debt for many different types of businesses. Experienced investment bankers will provide guidance and advice to issuers about the placement and issue of stock.

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Ways to Save Money From Your Home Loan

February 20, 2013 Leave a Comment

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The following article contains financial advice that might not be suitable for US audience. as Saving account rates in US is too low to consider it as an investment option. This article is more suitable to countries where savings bank rate is much higher than in US.

Bank Savings Rate

From time to time, most of us will need to take out a home loan. This may be in order to cover an unexpected expense or to finance a more planned project. The overall cost of these products can be high, as they will generally include an arrangement fee and monthly interest charges. However, it is possible for a shrewd borrower to minimize these costs by using a variety of money saving techniques. For example, in order to offset some of their costs, borrowers can invest a proportion of their loan in a high interest savings account.

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Benefits of Opening a Joint Bank Account

March 3, 2012 Leave a Comment

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After my posts on having a second checking account and steps to switch your bank account, here’s the another one. This one emphasizes on the importance of having a joint checking account. Having a common checking account works for us. It may also work for you, this article can provide you food for thought when it comes to managing your separate checking accounts within your family.

Here, at this blog, we grow One Cent at a Time, this tip is not going to make you rich overnight but, it may help you protect your finances and become more efficient in managing it.

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