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Personal Finance Software Options For Your Mac Computer

So you just got a new Mac huh? And now you’re trying to figure out how to make the transition from life as a Windows user to a new operating system. Finding the right personal finance software can be a challenge. If you were using Quicken on your old Windows computer, you’ve probably heard that there is a version of Quicken just for the Macintosh computer. Unfortunately, many of the features found in Windows Quicken. Also, using an emulator (letting you run Windows applications on a Mac) can get complicated and is prone to its own set of problems. So now what to do?
I suggest looking into Liquid Ledger. This personal finance software solution comes with a robust set of features which can help you track your money down to the last cent. The goal of any good money application is to let you see what you’re spending and what you’re bringing in. Once you determine this, you can make wiser choices about how to budget your money. Here are some features that Liquid Ledger offers:
* The program saves you time and energy by allowing you to automatically schedule regularly occurring payments. The software will alert you when the payment is due, keeping you from having to remember all those bills. You also have the peace of mind that forgetting a payment is a thing of the past.
* Create a budget, then compare how much you planned to spend against how much you actually spent. This lets you see your situation all during the month and find out why the money always seems to disappear.
* Liquid Ledger lets you create powerful reports that let you determine your net worth.
* If you’re a programmer (or even if you’re not), you can use AppleScript to automatically perform repetitive tasks within the program, saving you even more time!
* Travel a lot? Need an application that lets you go back and forth between different currencies? No problem! Liquid Ledger seamlessly transfers funds from one account to another in any number of currencies.
* Liquid Ledger uses bank jargon you’re already familiar with as a customer. This means you won’t be left scratching your head wondering what this or that means.
* You can print your own checks…how cool is that! As long as you have either a laser-jet printer or inkjet printer, you can use the drag-and-drop GUI to create custom templates.
* No need to enter data over again from your old OS-you can import (and export) account information in QIF, CSV, and OFX formats.
Using Liquid Ledger, you can track transactions, keep up with investments, and balance your checkbook, all inside a straightforward user interface that’s a snap to learn. So if you’re making the switch from Windows to Mac, you owe it to yourself to take a look at Liquid Ledger for your personal finance software needs.

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Voip Total Phone Solutions For Small Business

If you are like most businesses, the answer lies somewhere between ambivalence and total disdain.

All small business owners know the importance of low cost overhead. Working smart with your money has never been more important than it is in today’s economy. A very efficient way for small businesses to save huge dollars is by subscribing to a small voip phone system, also referred to as voice over internet protocol services. It is a method for making telephone calls by using the Internet. The technology became available around 1990 but with the recent advancements it has become a strong replacement for the traditional land line service.

One of the reasons that Internet VoIP is so popular is because it is very inexpensive as well as dependable. All of the equipment such as bluetooth voip headset, voip phone adapter, and headaches are hosted by the provider so all the business needs to worry about is the Internet connection and a telephone. In some cases you’ll be able to use the same telephones that you used for your land-line while others a special Voip broadband phone will be the best solution. The call quality is so good that rarely would anyone know that you were not using a land line. The provider keeps all the updates and relative maintenance up to date so having equipment or a service that becomes obsolete is not a concern.

The cost of Internet VoIP is so inexpensive because the calls are able to transmit over the Internet in place of a local telephone company’s system. By bypassing the local telephone company there is no fees that have to be paid to them. The process of dialing out and receiving calls is the same. You will need a high speed Internet connection and small voip phone system that is on at all times with a bandwidth large enough for the transmissions to always be clear.

To get started with Internet VoIP you’ll need to choose a voice over internet protocol providers and subscribe to the voip phone plans that best fits your business needs. With all the Internet VoIP options and providers now in the market place, it can be confusing for businesses to know what they need and the best provider for them.

AVAD Technologies, specialists is small business Hosted VoIP, has launched aggressive new pricing on its Hosted VoIP Phone Service. If you are thinking about switching your business to VoIP or just have some questions, please feel free to call (800) 733-4136

Click for Business voip telephone and Hosted pbx providers

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The currency war and its effect on the banking system

The currency war and its effect on the banking system will be determined after the meeting in Washington is concluded. With the Chinese president meeting with President Obama in the White House, the hot topic is trade and the dispute over currency manipulation.

What is apparent to the world is that both nations are currently, and have in the past, manipulated their currency value to favor trade for their respective nations. This has not stopped both nations from blaming each other on this topic. The US has been a world power for over 100 years now and has used a heavy stick for most of it. Congress still thinks this approach will work and are furious with China for not giving in on this matter.

Congress has gone so far with this attitude that they are debating legislation demanding punishment against China for manipulating their currency and making it harder for US goods to be sold in China. This big stick, like the one Teddy Roosevelt used when he was a Rough Rider, will not work any longer. China has the economy with double digit growth, while America is new double digit unemployment.

The current bank rates in America are near record lows while China has to raise their interest rates to stave off inflation. This, along with their military power, America needs to tread cautiously and not like a bull in a china shop.

China has asked to be treated as an equal. If this does not occur, then the currency war and its effect on the banking system in America will not be favorable for our economy or the world. Obama, put the stick down and be the salesman America knows you are. It is how you got into the White House.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, SunTrust CD Rates, best bank savings rates, Westpac Online Banking and Online Banks at

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Growing as an Entrepreneur – Entrepreneur Mindset

Many people every year attempt to achieve success with an online business. They grab a domain name, throw a hastily made website online, and then become frustrated when they don’t achieve success quickly enough. They blame it on falling for a scam, or that online businesses don’t really work. The truth is, most times it is because the person never worked on growing as an entrepreneur; they never worked on developing an entrepreneur mindset.

When you are working for someone else it is easy to think of your workday falling into a certain set of work hours. You go in, put in your time, and when the workday is done you put your job behind you until the next day. When you have an entrepreneur mindset you are constantly working on your business. Even when you are relaxing at the end of the day a part of your mind is a work on building your business.

One way you can capitalize on that kind of attitude is to develop the habit of goal setting. When you have specific goals and objectives that are clearly defined your subconscious mind can go to work making those goals a reality. When you approach your business without goals your subconscious mind is unfocused. It jumps from one problem to the next with no end result that it is working toward.

Another important part of that mindset is to understand that in order to succeed you must be willing to put in the time and do whatever it takes to be successful. While it would be nice if the claims of earning a 6-figure income while working part-time were true, the reality is much different. It is possible to build a good income, and eventually reduce the number of hours that you work, most successful entrepreneurs put in some long hours when they are first getting their business up and running.

You should also be willing to spend time each and every day growing as an entrepreneur. This means going beyond merely learning the daily tasks you need to accomplish. It means working on building your knowledge so that you understand not just what needs to be done, but also why you need to do every task that you do. The more you understand how everything works the better able you will be to innovate and move your business to a higher level. In an environment that is constantly changing, it is the people who understand the business that are able to quickly adapt to those changes.

Having an entrepreneur mindset helps give you the drive and the focus to not only succeed, but to build a business that remains successful into the future. Without that mindset you might achieve short-term success, but is your attitude and willingness to do whatever it takes that will ensure your success going forward. Growing As An Entrepreneur

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Fair Trade T Shirts – A Great Option For Ethical Products

Most of the time, we live our lives and never even think twice about what items we are using every day and who makes them. Big companies commonly employ workers in other countries where labor is cheaper and workers have fewer rights in the workplace. As market demands increase so does the profit to the company. The Fair Trade campaign is designed to help people who care about where their products come from become more aware.

Even though a variety of laws exist that relate to Fair Trade issues, it is essentially a social campaign that fights for improved trading conditions in 3rd world nations. The fair trade movement creates policies against prison labor, child labor and the use of workers who are being forced to work against their will. At the same time the fair trade movement seeks to encourage environmentally responsible and sustainable production as well as fair pay to workers. Thanks to this movement, workers in 3rd world nations are getting more money for the jobs they do, which means they can better support their loved ones and contribute to an improving economic situation in their immediate areas.

More and more items are becoming available under the Fair Trade movement thanks to better awareness and increased desire for products that have been ethically manufactured. The major products that are currently manufactured include alcoholic beverages, tea, coffee, grocery products, and cotton-based products such as shirts and sheets. Even though the world economy took a hit, the sales of certified Fair Trade products went up about twenty percent last year despite being only a fraction of the consumer goods created around the globe.

Purchasing a fair trade t shirt, for example, is going to be a bit more expensive, but they are of superior quality, which makes them extremely durable. They are completely opposite of the cheap, mass-produced shirts that must be replaced on a regular basis. The positives of Fair Trade clothes are extremely numerous, while the negatives are few.

When buyers buy fair trade goods, the goal is to protect the producers in developing countries against the instability of market prices. A portion of profits generated from manufacturing is used to construct services for local communities like medical, educational, and environmental projects with the hope of breaking the cycle of poverty in these areas.

In addition, the movement is committed to promoting environmentally friendly merchandise, making use of organic materials and sustainable textiles. Conventional cotton production wastes huge amounts of natural resources, relies on the heavy use of harmful chemicals, and has a negative impact on the health of the workers and also the local environment. Fair Trade production is working towards much more sustainable practices that enhance the atmosphere.

As customers, we can make far better socially conscious choices by buying goods manufactured with fair trade principles. As this motion in the direction of ethical commerce grows, everybody comes out as a winner.

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Wealth Attraction For Entrepreneurs Dan Kennedys Wealth Creation Strategies

Whether youre drowning in a mountain of student debt or buried under the weight of an empty retirement fund, you know its time for a change in your life. You may have already tried the popular law of attraction books that convince readers that shiny, happy thoughts are the only way to manifest wealth. If they havent worked for you, consider learning from abundance creation experts, such as the Dan Kennedy wealth attraction series. This series is truly exceptional material in its category and is well worth checking out. I promise you, it will be worth your time.

It doesnt matter if youre already a self-made entrepreneur or a regular Joe struggling to get by, No B.S. Wealth Attraction for Entrepreneurs can become an essential part of any wealth creation library. How can you use his techniques if youre not a business owner? Dan Kennedys wealth attraction books and seminars break abundance attraction strategies down into easy-to-follow steps that translate into real-world strategies. That is the beauty of this material. It is no-nonsense and easy to understand and follow. Even a newbie can take the steps outlined in Kennedys curriculum.

If youre looking for No B.S. Wealth Attraction tips and guidelines, here are the 3 places to find them:

1. Books
Kennedys No B.S. Wealth Attraction for Entrepreneurs, for many readers, has become as close to a bible as the business world can get. He presents his wealth attraction expertise in the form of dozens of tips that anyone can useno M.B.A. required.

2. Seminars
Wealth Attraction for Entrepreneurs seminar is another way Kennedy gives practical wealth-building advice. These seminars, famous for their star-studded speakers and jam-packed info sessions, are not cheap. But it is an investment, and if you use the information correctly, you increase the potential to build your bank account. Youll need to ask yourself, What is earning my first million dollars worth?

3. Members Only Website
Dan Kennedy wealth attraction advice isnt limited to his No B.S. Wealth Attraction series or his renowned seminars. He has also helped to build one of the most respected money attraction websites in the business world. The site, which does charge membership fee for different levels of information, is filled with business resources, web seminars, and access to wealth attraction groups in your area.

Its true that the Wealth Attraction for Entrepreneurs series isnt for everyonesome arent ready to hear his pulls-no-punches style. For those who are ready to start building the kind of wealthy lifestyle they deserve, however, its an investment worth considering.
Remember, too, that wealth attraction for entrepreneursor any other money attraction programdoesnt work through osmosis. Building wealth beyond your wildest dreams takes some leg work. But if youre willing to invest your time youll soon find yourself enjoying a 3-week cruise or buying season tickets for your favorite football team.

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Interface Financial Group- A Franchise Opportunity

Interface Financial is not only about a unique invoice discounting system; it is also about a franchise opportunity for you! The opportunity that IFG wants to provide home workers with is unmatchable. Not only will franchisees get superb returns on their capital but they will also be able to expand and grow their franchise at their own convenience with little marketing costs. IFG will continuously provide you with plenty of support and guidance which will provide you with guaranteed success as Interface Financials will let you in onto two decades of business secrets!

The marketplace for invoice discounting is a part of the financial services of factory. This is one of the markets which continue to grow at a healthy rate irrespective of the world wide recession. The lower end of the sales volume scale, which happens to be Interfaces unique market niche, has been growing healthily for quite some time. Furthermore, Interface has been successful in working with smaller newly emerging businesses. Hence there is absolutely no need for you to worry about the market situation of your to-be-born franchise.

On the other hand, are you starting to wonder about how competent you are to become a part of IFG? Maybe you are concerned about your lack of a financial background; worry not! IFG will provide all its franchisees with high quality training by means of self-study, field training, formal training and other web-based training modules. In addition to this there will also be an IFG coaching program which will ensure that you leave the program with the ability only to succeed!

There are plenty of more reasons why you should join hands with Interface. After all, IFG has always made its way into the top of the Entrepreneur Magazines Franchise 500 rating list, Americas Top Global franchise rankings and Home Based franchise ranking. The Franchise Research Institute has also classified Interface as a World Class Franchise.

All this is just an investment away. Start right away and become a part of a key financial service industry. Do not let yourself work for money; within the convenience of your home and with superb returns for a small startup, let money work for you! Join IFG today to become part of a franchise which is one of the best of the best.

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Banker Cover Letter Sample for Banking Job

Whenever we want to apply for any job or want to switch from one job to the other, the first thing that comes to our mind is a well-drafted cover letter and a resume. Even if you have a professional and well-planned resume, it is of no use without a cover letter. A cover letter provides a professional approach while applying for any job opening in banking sector. For example, if you want to apply for job in the banking sector, you need to draft a professional cover letter for banking jobs. A banker cover letter sample for banking jobs highlight the essential aspects of your resume in a precise and clear manner.

There are certain cover letter tips that you need to follow before drafting a banking cover letter, such as your cover letter should carry relevant information and should match the information with the enclosed resume. The cover letter should follow a professional format i.e. it should have the same font-name and font-size throughout the cover letter. The cover letter should be divided into sections, highlighting the objective and your credentials in a positive manner. Make sure that the cover letter should be error free i.e. there should not be any spelling mistake and the sentence construction should be perfect. And, finally proofread the cover letter at least twice or thrice before sending it to the recruiter.

A cover letter for banking jobs is basically divided into 3 sections: The first section deals with the aim or objective for drafting the cover letter. Do mention the reference or source from where you came to know about the job vacancy and also include the job code and designation for which you are applying.

The second section includes your educational qualifications, professional summary, important duties and responsibilities that you undertook in your the current and previous bank, extra-curricular activities, achievements, and hobbies. This is also known as informatory section; therefore do remember to include your contact details correctly, so that the employer can contact you for further discussions.

The third and last section includes salutations to the employer for their valuable time that they put in going through the cover letter. Use ‘dear’, ‘sincerely’, ‘faithfully’ in this section to show regards to the employer and compel them to schedule an interview round with them. Make sure that you have attached the essential documents with the resume along with the cover letter.

The above information will help you in drafting a well-planned cover letter for banking jobs. You can also refer to free sample cover letter examples for banking jobs on different websites, as it will provide you with a clear picture of how to draft banking cover letters.

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Ally Bank Online Bank Rates

Ally Bank is a business unit of Ally Financial the leaders in automotive financial services worldwide. Ally financial services is officially preferred source of financing for General Motors, Chrysler, Saab, and Thor Industries

This is an Ally Bank rates update for February 2011. While they do not handle mortgage loans, they do offer their customers CDs, savings, and checking accounts. For those that are unaware of it, this is the new name for the old GMAC Bank.

The current bank rates on the certificates of deposit include the special Raise Your Rate CD that is a 2 year term. The APY is currently at 1.50%, and can be increased once during the term of the CD.

There is also the No Penalty CD that is earning an APY of 1.20% for an 11 month term.

The online Savings Account is currently earning an APY of 1.09%. The Money Market Account is also earning an APY of 1.09%

The Interest Checking Account is earning an APY of 0.50% on balances below $15,000. On balances above $15,000, the APY is 1.05%

The standard CD rates include the 3 month CD that is earning an APY of 0.64%. The 6 month CD is earning an APY of 1.04%. The 9 month CD is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.29%. The 18 month CD is earning an APY of 1.35%. The 3 year CD is earning an APY of 1.84%. The 4 year CD is earning an APY of 2.05%. The 5 year CD is earning an APY of 2.39%.

There are no minimum balances to open an account, but you must make a deposit in order to earn an APY. All of these Ally Bank rates were posted on February 1, 2011 and are still current as of February 18, 2011, but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, best bank savings rates,SunTrust CD Rates, Westpac Online Banking and Online Banks at

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Singapore Company for Foreign Entrepreneurs and Business Entities

There are three business arrangements in Singapore that have been specifically created for foreign entrepreneurs and business entities planning to have a presence in the country: a subsidiary company, branch office, and representative office.

These are the basic differences between these business entities for foreign entrepreneurs and investors:

1. Subsidiary company

This is probably the most ideal business entity for foreign companies planning to form a Singapore company or expand their presence in the country. This is because this formation provides countless of benefits especially when it comes to tax incentives and limited liability.

As a separate legal entity from its parent company, a subsidiary company may have a different name and is allowed to conduct any business activities in the country as long as these are legal.

A foreign company with a subsidiary company enjoys a limited liability, an arrangement in which it is not liable for any losses, liabilities, and debts of its Singapore auxiliary business.

And because a subsidiary company is incorporated in Singapore, it also enjoys local tax benefits even if it is 100 percent owned by foreign businessmen and entities.

However, this business setup is required to appoint at least one resident director who may be a Singaporean citizen or holder of EntrePass, Employment Pass, or Permanent Residence Status.
Meawhile, a subsidiary company may have one to 50 shareholders who may be a foreign or local individual or another business entity. To know more abour subsiday company follow this link:

2. Branch office

A branch office, being an extension of its business headquarter, is only allowed to conduct activities performed by its parent company.

Unlike a subsidiary company, a branch office is not provided with local tax benefits since it is treated as a legal extension of its parent company. And with this arrangement, the headquarter is directly liable for all the losses, debts, and liabilities of its Singapore branch office.

Meanwhile, it is a legal requirement for a branch office to hire two Singaporean resident agents who will oversee its business operation.

When it comes to government-imposed disclosure requirements, this business entity may not be appealing for some shareholders since they are also required to submit the audited accounts of their parent company. To know more about branch office, follow this link:

3. Representative office

Legally speaking, a representative office is not really a business entity as it is not allowed to engage in any revenue-generating activities.

A representative office is generally ideal for foreign companies who are not yet sure of the business viability of their services or goods in Singapore and want to conduct an extensive market research before engaging in a full-blown operation. To know more about representative office, follow this link: