How to Get a Bank Account on Chexsystems

Since you might be in ChexSystems, has it been impossible for you to open a savings account or checking account? Securing one might be easier than you ever imagined. Maybe you’ve already been denied the ability to open a bank account due to writing a bounced check, overdrafts, and so on. Perhaps you’ve been spending a small fortune on various alternatives to traditional bank accounts.

There are several such alternatives to bank accounts. Cashiers Checks is a type of check that a bank guarantees. Besides providing that guarantee, another key benefit is that Cashiers Checks are usually cleared one day after being written. Meanwhile, money orders are pre-paid, making them more trustworthy than personal checks. That makes a Money Order an ideal form of payment for those who have had past problems with checking accounts.

However, there are still various ways to secure a bank account while in ChexSystems. Here are some of the most effective ones:

1. Credit Unions

There are several benefits that you can enjoy by opening an account at a credit union. One of the biggest ones for someone in ChexSystems is that they often don’t place much weight on credit scores. In fact, sometimes they don’t check them at all! This certainly benefits someone who’s already in ChexSystems. Another benefit of credit unions is that they provide many of the same benefits as mainstream banks do, such as free online purchases.

2. Online Banks

You can find several online banks whose accounts are ideal for people in ChexSystems. Usually there are various limitations that apply, such as not being able to use paper-based checks. However, as with other alternatives to traditional bank accounts, the main benefit of using such online banks is that you’ll be able to enjoy banking. Due to consumers making increasingly more purchases online, choosing an online bank provides the ability to make such purchases while you’re still in ChexSystems.

3. Prepaid credit cards

This type of card is also known as a secured credit card. One of the drawbacks is that the card has a lower credit limit than unsecured credit cards. Another drawback is that you have to pay collateral before you have the ability to use the card. Many people who apply for prepaid credit cards have been denied after applying for unsecured credit cards. Thus, they provide an excellent option for those in ChexSystems. While being in ChexSystems isn’t exactly like having a bad credit score, the situation is somewhat similar. Thus, it’s an ideal choice for anyone who needs to make purchases more conveniently.

4. Second-chance bank accounts

As its name implies, this type of bank account is for people who have had past problems with savings accounts or checking accounts. It’s important to note that the “second chance” doesn’t come with certain requirements. They can include the need to use debit cards when using the account initially. Second-chance bank accounts can also require monthly fees, which can be somewhat high. All things considered, these requirements are arguably worthwhile since they give you the ability to own and use a bank account.

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Why Every Motorist Must Consider Online Auto Insurance Quotes

Whether you have spotless driving record or not, researching online for the best auto insurance quotes is the best way to go. It is time to explore other insurance companies for better rates. With online searching advantage, you are no longer limited to dealing with local agents and hoping for the best deal. You now have the ability to compare rates online for the best value of your money.

Researching online for the best auto insurance rate, however, requires more footwork and due diligence on your part. With local agents, it is easier to research their reputation through neighbors and words of mouth. For online research on the other hand, you need to find out the car insurance company’s history, policies, how long in business, reputation with Better Business Bureau. If satisfied, then request a free auto insurance quote.

Due to so much more competition online, car insurance companies must work harder to get your business by offering you the lowest rates. Requesting an auto insurance quote can be completed in a matter of minutes. Receiving a response can take a few hours to a few days, depending on the company, the number of requests the company receives, and the day of the week. Another important point here is that you will be able to shop from a nation of car insurance companies with the click of a button from the comfort oh your home.

Added to the aforementioned advantages, free online auto insurance quotes is very valuable for a number of other reasons. For one thing, it is very convenient for someone that leaves in a rural location not close enough to visit several companies. Such a person ordinarily will be exposed to excessive premium costs due to very few companies to choose from in his or her rural location. Fortunately, the internet has changed the face of competition by providing variety of options and competitive advantage to such rural residents. Independent of what state, county or city you reside, you can search for discount auto insurance rates from the comfort of your home.

However, it is important to understand that auto insurance companies base their premiums on the model, the make and the age of your car. There are other factors taken into consideration by these companies. For one thing, the rates vary from one state to another. So, while comparing rates, do not be alarmed that the rates you obtain for your car will vary from state to state. Also, remember the rates keep changing from year to year. Again, do not be surprised if you obtain different quotes from one year to another. Whatever is your situation, it is crucial you do your due diligence, conduct comprehensive research, and obtaing the best available auto insurance rate for you car.

With the advent of the world wide web, one is no longer limited to purchasing auto insurance through local agents. The internet provides the research medium to explore a nation of auto insurance companies for the best rates, as well as provides the convenient of doing the research from the comfort of one’s home. Every motorist must capitalize on these advantages to obtain the best available rates.

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Central Bank Chicanery and We, the Revenue Units

“Unfortunately no one can be told what the Matrix is. You have to see it for yourself.” ~Morpheus in the movie, The Matrix

The Oxford English Dictionary defines “chicanery” as, “legal trickery, pettifogging, abuse of legal forms; the use of subterfuge and trickery in debate or action; quibbling, sophistry, trickery.” You need not read past, “legal trickery,” to understand the overlooked impact central banks have on we, the revenue units. But perhaps more worrisome is where central banks appear headed.

A quick review of central banking’s role as regards currency informs us that a global monetary system dominates and controls all other systems of the world. Like the 800-pound gorilla in the living room, this fact becomes impossible to ignore once you see it.

Just as it is impossible to fully understand planet earth without realizing the role of the solar system that contains it, so also is it impossible to fully understand money separate from the monetary system.

The global monetary system is a network of 17 central banks worldwide of which the Federal Reserve Bank is the one in the U.S. Central banks are the only banks capable of issuing currency, (a private product we pay to use), issued via “fractional reserve banking,” loaned into existence, and repaid with interest. This formula, called the “expansion multiplier,” in the Federal Reserve’s pamphlet, Modern Money Mechanics, multiplies profits for the architects of the system and their cronies.

Currency trickles down from the governmental level to commercial and local banks when a country’s government borrows money from its central bank. When a business repays a commercial loan plus interest (a.k.a. the debt-service) they pass on their bank-loan charges to their customers as increases to the price of goods and services. Over time, what began as “simple” interest becomes “compound” interest which in-turn increases prices at an ever-faster pace.

As a result, we, the revenue units, must increasingly work harder and pay more for the same basic goods and services for which people in the 50’s and 60’s paid far less. This exponential rise in the cost-of-living has become glaringly obvious in the real estate and insurance industries.

Once in power, more power is needed to remain in existence.

The 2008 economic meltdown tested the Fed. It employed the desperate measure of dumping trillions of newly-issued money into an ailing monetary system via a series of Quantitative Easings (QE) to “stimulate” the economy, as well as, its position of power. Their monetary strategy led most Americans merrily down the yellow brick road of the appearance of recovery and wealth.

Yet, like the Wizard of Oz, appearances are often deceiving. In reality, the glut of newly-issued currency contributed to deeper devaluation of the dollar (now worth less than 3 cents). Going forward, the Fed would have to keep up with what the QE’s had begun. To continue ensuring liquidity in the marketplace, larger and larger amounts of currency would have to be injected into the system.

This is where it gets interesting. By all accounts, to sustain ongoing liquidity, the Fed tactics have advanced to aggressively buying-up public assets, company stocks and “toxic” real estate, which has contributed to the double-digit rise in the stock market. Increasingly drastic measures provide a type of expansion putting the economy at risk of being swallowed whole by the financial sector. Think: further concentration of power.

Here’s why:

“So the central banks have a problem here, they are now “forced” to purchase assets to prevent market downturns but one should ask the question ‘who will they eventually sell to?’ The answer of course is ‘no one’ because there is no one large enough to take these assets off their books.” Bill Holter, Central Banks Will Destroy Their Own Currency By Doing What They Do… Creating Currency And Credit. From Here, The Faster They Run, The Faster The Boogeyman Catches Them!, April 22, 2017

The Fed has the legal authority to endlessly purchase assets of which they can then drive up the prices that virtually no one can out bid. Higher costs-of-living due to more inflation do not translate into a recovered economy, contrary to popular opinion, and especially for the majority of Americans without assets.

As long as someone is receiving a paycheck, they seem to care little about the system producing it, an entrenched system that owns and controls the ability to create an endless supply of money, (new credit). Additionally, if central banks decide to transition to blockchain technology, as discussed in my February and April recent blogs, it would not be a decentralized application, as is Bitcoin. Instead, blockchain technology would simply enhance central banking’s already centralized system.

With every successive economic downturn, the Fed doubles-down to minimize the economic impact on society. Minimizing the economic impact equals the Fed taking on more and more control of the situation to sustain their power, and in an attempt to counterbalance the ongoing, exponential loss of value in all fiat currency. The role of central banking is like a snowball growing larger as it rolls down the hill; I wonder if anyone sees what I see?

“Only the small secrets need to be protected. The big ones are kept secret by public incredulity.” ~Marshall McLuhan, author

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Super-Cheap Automobile Insurance – Seven Tips To Lower Your Auto Insurance Costs

With the cost of auto insurance becoming more of a concern for the typical American family, you will find a great number of folks searching for cheap automobile insurance. But even though it’s possible to find cheap insurance, the problem remains, will it be really worth buying? Or do you absolutely need a better policy?

Everybody knows that auto insurance providers aren’t all similar. Cheap automobile insurance is fantastic when paying the invoice, however make a mistake on the road and you may find that your cheap policy, may turn into a headache. Those extra few hundred dollars you save may not look so appealing when you have to file a claim.

So if you have found a price reduced broker, do not simply take the least expensive estimate that you are offered. Instead discover a little about this specific provider and try to understand how he can afford to keep his rates so low.

There are solutions to reduce the price of your vehicle insurance despite having the best providers. Below are great tips for those seeking inexpensive automobile insurance to help reduce the price of your monthly payments without compromising your safety or coverage?

Seven Low-cost Automobile Insurance Tips

1. Review your deductibles. This is actually the sum which you pay first on any claim. The price of your plan is directly related to this total. Lots of people, especially those who may have had their insurance coverage for a long time haven’t considered whether or not they should vary their insurance deductible. For those who have an excellent driving history and are ready to increase the threat of coughing up a larger amount in case of a claim, you’ll save cash by increasing your deductible.

2. Take a look at the kind of vehicle you drive. Automobiles such as sport cars as well as certain models and makes which are perfect theft candidates are more expensive to cover. If you’re purchasing a vehicle, then find out the insurance price before you buy it.

3. Drive cautiously. Even though it seems just a little trite to express this, your cost is a representation of your risk report. Hopefully it doesn’t come off as a surprise to you that your insurance premium increases if you happen to have acquired 3 speeding tickets and 2 accidents in the last 2 months alone. These things are heavily taken into consideration and you ought to take care with the way you drive. Everything accumulates on your expenses.

4. Think about installing anti-theft products for your vehicle. Once again all these impact your risk report. For those who have a vehicle that’s safer and less prone to theft, it will be less expensive to insure. And if you’ve got a vehicle with specific security devices, make sure that your insurance knows about it.

5. Review your insurance policy in regards to your renewal period, do not simply pay. There’s something that you could vary in your policy and it can dramatically impact the price. Often times there are extra packages most people don’t need in their insurance. Be critical, search carefully and ask questions about all these before you decide to renew your coverage.

6. Take a look at who your insurance providers are. Using the same provider guarantees a lower price for several policies. If you have insured your home with a certain provider then call them to see if they ask provide auto insurance. Get an estimate from them. Discover what discount rates they provide.

7. Find the best online low cost auto insurance broker prior to renewing. The World Wide Web is really a fantastic resource. Utilize it. You will find a variety of low cost insurance providers online where one can obtain quick rates from a wide variety of providers. Don’t simply be satisfied with the same service provider you usually use. Auto insurance rates differ constantly. Constantly get similar estimates prior to renewing any kind of policy.

Good luck and hopefully from this article you will be more aware of the rates and how to save every year.

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