Author: Admin

Samsung Exhibit Ii 4 G The Phone That Saved My Marriage.

Posted on by Admin

By Dave Adams

I recently purchased my wife a Samsung Exhibit II from T-mobile, and I’ve just got a say this phone has made her so happy. This is mainly because the last time I bought a phone for her, it was a very small Android that came out from T Mobile it was slow and very hard to use.

So getting this is the phone has definitely improved our marriage somewhat as we no longer have arguments about the previous Smartphone I got her (it now lives in the trash can).

Some of the things my wife has told me that she likes about this phone includes the three megapixel camera which has all the features that you would expect from a phone camera. The pictures she has taken with this camera are quite good. The camera is no SLR camera, but I mean seriously this is a camera that is up there with the best of them. There were various applications pre-installed on the phone when we got it home from Walmart.

We were encouraged by the sales representative at Walmart to get this phone because he indicated that was going to be a red hot phone that many people were going to get. He also said it will change the way that people look at prepaid phones, and I have to agree.

[youtube]http://www.youtube.com/watch?v=mfcZpAVXfew[/youtube]

I think this is part of Google’s strategy to basically take over the whole entire cellphone market and as far as I can tell this is pretty much happening. Many of my friends and family are now using Android based phones.

Considering it was only five years ago they were using Nokia branded phones. It really comes down to the fact Nokia just didn’t keep up with the times. They did have some really great phone up until 2005 by they just didn’t deliver in the late part of the first decade and because of this the repercussions were bad/ People had already started moving over to Smartphones that utilized touch screen technology. Operating systems such as the iOS and the android operating system were favored. This is why prepaid is heading to these OS based phones.

So guess this does sound like a bit of a sales pitch that I have written here it wasn’t intended that way. If you seriously want to know more about the new phones on the market, then going to a dealer and using one would be a good place to start. With so many of these smartphones now on prepaid plans you don’t have to be hooked up some ridiculous contract that is can I hold you for 24 months or whatever period of time that is specified in the contract. Getting a good phone has never been better to own for yourself.

It comes back to the old days of thinking that you need to never own your own home, and you are better of renting. While there has been the case and sometimes in the past that doesn’t apply to the following phone market at the moment. It pays to own the phone and at $200 you can have a fully functional smartphone with a great operating system that is going to do the things that you need to do.

Now rather than bash the other phone companies that are providing phones that are not quite as good as this particular phone, I recommend reading a review. I also suggest that you go out and have a look for yourself at this phone. You can make your own judgment even after reading a few reviews for this phone like the one that I read at http://Wontek.com.

About the Author: Dave is a family man that has always tried to find way to ease life with technology. He has done this with the

Samsung Exhibit II 4G

, read a full review on the phone he has mentioned here:

Samsung Exhibit II 4G

. This is from Wontek.com’s

T-Mobile Reviews

Section.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1147610&ca=Computers+and+Technology

How Can I Get My Ex Boyfriend Back?

Posted on by Admin

By Anthony Malibu

A bad breakup can rattle your whole world. When your boyfriend ends your relationship, it can seem like everything’s crashing down all at once, making you feel empty inside. From here, you can pick yourself up and move on… or you can try to repair your broken relationship by getting your boyfriend back. Both roads are hard, but only one of them ends in reconciliation.

Are you still in love with your ex? Sometimes relationships end before they’re meant to, or before you get the chance to fix what’s wrong. If your boyfriend ended what you believe could still be a great romance, you may be stuck asking yourself the same question all women bring up at one time or another: Just how do I get my boyfriend back?

Before you begin working toward reversing your break up, you’ll need to first do some damage control. If the breakup has already happened, the actions you’ve taken immediately afterward can have a direct effect on winning back your ex. No matter what you did (or didn’t do), you’ll need to identify and eliminate any behaviors that might ruin your chances of ever dating your ex again. In the effort to fix things quickly, many women fall into the same old bad habits when it comes to handling the days and weeks immediately after getting dumped by an exboyfriend.

Putting Yourself On The Side of the Break Up

Your boyfriend ended things for his own reasons. Did you fight him on the breakup? Try to convince him that he’s wrong, and that the relationship really

can

work? Did you tell him how much you love him, or need him, or that you’ll try and change for him? Because if you did, all of these actions will come back to haunt you when it comes to getting your boyfriend back. You’ve started off by showing yourself as needy and desperate – and these two behaviors will stick in your ex’s mind. Did you argue with your boyfriend that he’s dead wrong about wanting to break up? Now you’ve aligned yourself against him as well. By fighting him on the decision he’s made, you’re essentially telling him that decision’s not good enough. This is one last fight between you, and it’s one that you can’t win.

Now let’s look at the flip side of the coin. Imagine your ex telling you that things just aren’t working out, and that the two of you need some time apart… and you nod your head. You tell him you agree, and that you yourself have seen the same problems in the relationship. Picture the look on his face as you kiss him on the cheek, wish him luck, and then walk away unscathed from the breakup.

[youtube]http://www.youtube.com/watch?v=BzBzdPkd58g[/youtube]

What’s going through your boyfriend’s mind right then? TOTAL insecurity. He’s going to immediately suspect that you’ve been unhappy for a while, and he’ll need to know why. By agreeing with him here, you’re actually putting yourself on his side. He has no one to fight, and he has no one to argue with. You’ve seized control of the situation rather than let him take complete power over you by breaking things off all on his own. How do I get my boyfriend back? By doing this and walking away cleanly, without even looking over your shoulder.

Agreeing With The Break Up After It’s Already Happened

Okay… the break up happened already. So what? Think it’s too late to let your ex know just how much you agree with his decision to part ways? It’s certainly not. There are ways you can let your ex know how you’re feeling, even if you’ve already tried to hold the relationship together or made moves to get your boyfriend back. One of these methods is the post-breakup letter. Write your ex a short note, maybe one to two sentences, telling him “Listen, you were right. Things weren’t good between us, and you made the right call. I wish you the best.” Don’t write anything more, and make sure the note is handwritten for a more personalized effect. Once you send it off, forget about it. Your next step is easy: no contact with your exboyfriend at all.

Creating an Environment Where Your Boyfriend Misses You Again

When asked how do I get my boyfriend back, one of the most common answers is “let him know you’re thinking about him”. Sure, maybe in the movies. But in the real world? This is absolutely flat dead wrong. The more your ex believes you’re hooked on him, the faster he’s going to start dating other girls. This is because he knows where you are, what you’re doing, and that he can get you back with the snap of his fingers.

Putting yourself back into your boyfriend’s head is easier than you think. It requires only a single step: breaking all contact with your ex. The problem is, this is a step women refuse to follow. Instead, they call and text and email their ex boyfriend to death. And in doing so, they’re shooting themselves in the foot.

Know what your ex does whenever you text-message him? He smiles. He friends punch him in the arm, he puts his phone back in his pocket, and then he goes on with his single life. Your ex isn’t thinking about you when you’re always sweating him… in fact, that’s when he’s thinking the least about you. Your ex can’t miss you until you go away – learn that one little lesson, and the rest of your reconciliation will fall right into place.

When you haven’t called your ex boyfriend, he has no clue what you’ve been up to. When you haven’t text-messaged him, he’ll start to wonder why. When he gets home at night and there’s not a single message from you, your ex will actually start to worry. Maybe you moved on. Maybe you found someone else. After all, there has to be

some

reason you’re not chasing after him. And as the silence continues? Your exboyfriend will need to know why. He’ll start asking about you, and trying to find out whether or not the relationship really is over. But up until you stop contacting your ex? As far as he’s concerned, he can get back together with you whenever he wants to. Which is exactly why he doesn’t want to get back together with you.

Making your boyfriend miss you is as simple as leaving him completely, utterly, and totally alone. It’s tough not to call the person you love, but if you want to get your boyfriend back? You’ll have to stay strong enough to make that sacrifice.

Talking To Your Ex Boyfriend on The Phone Again

How long should you wait before contacting your ex again? Long enough that he can’t wait to hear from you. Every romance will be different, but in most situations you should let things go completely silent for at least three to four weeks (and in some cases even more). By the end of that time, getting back in touch with your ex is made easier by the fact that you haven’t chased him. You’ve maintained a high level of respect from him, because he knows you’re not desperate to get back together. In fact, he’ll wonder if you even want to get back together at all.

Pull off the no-contact rule correctly, and it’s more likely than not that your ex will call you. But if he doesn’t? There are ways of getting back in touch with your ex that don’t give up your position or power. Some methods are designed to get your ex to dial your number, and other techniques are made to break the ice by coming up with legitimate reasons for you to call him. Learn what these ways are, so you re-open the lines of communication in a positive way.

And what should you say to your ex on the phone when you want your boyfriend back? Not a whole lot… at first anyway. Re-establishing a connection should include catching up on what each of you have been doing, but at the same time not interrogating him or mentioning anything to do with the break up. The call should also be mega-short, in order to leave him wanting more from you. By getting off the phone quickly, you can be assured that he’ll need to call again. And when he does? Tell him you’ve gotta run, but that maybe you could meet up for lunch or coffee.

Meeting Your Ex For The First Time After The Break Up

Before you jump to to the end question of how do I get my boyfriend back, you’ll first need to meet face to face. Setting up the reunion date is one of the last steps along the road to getting back together, but it’s also a step you don’t want to rush. Move too fast and you could scare your exboyfriend away here, undoing all of the work you’ve done so far to get your ex back. Say the wrong thing and you could also tip your hand, letting him know that you need him just a little bit more than he needs you. Right now your advantage is that you’ve got him interested… and chasing you too. You need to keep that going by not revealing too much on the reunion date, and by letting him do most of the talking.

When it comes to getting back with your boyfriend, you won’t want to leave anything to chance. If you love him and can’t stand the thought of losing the relationship, moving forward without a plan is like risking everything. Only by mapping out a step-by-step blueprint for winning him back can you greatly boost your chances of dating your ex again.

About the Author: There are 8 Individual Steps that will

Get Back Your Ex Boyfriend

, so find out what they are! And for more information on getting back together, check out

How to Fix a Breakup

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1095606&ca=Break-up

Breast Reconstruction Surgery After A Lumpectomy

Posted on by Admin

Click Here To Find Out More About:

Breast Reconstruction Surgery after a Lumpectomy

by

Pol Golubeva

Every year in the UK over 32,000 women are treated with a lumpectomy to remove a cancerous tumour. Having breast lumpectomy surgery is only the first step though as removing a lump can mean that the breast becomes smaller or mis-shapen as some of the volume has been removed. In some cases 10 20% of the breast is removed which can leave the breast looking distorted and very different in size and shape to the healthy breast. Depending on where the tumour was removed from, the nipple may also pull to one side and the result can be quite distressing for patients.

[youtube]http://www.youtube.com/watch?v=WWTi0Z6uj6U[/youtube]

Many women opt to have breast reconstruction after a lumpectomy to help restore the natural shape of the breast. A benefit of having reconstructive surgery straight after having a lumpectomy is that the procedure can be completed as part of the same operation which can reduce hospital time and recovery time as all the surgery is carried out at once. The process is known as a therapeutic mammoplasty as the lump, plus a margin of healthy tissue is removed before the remaining tissue is redistributed to create a smooth breast shape.

Often the result of the lumpectomy and breast reduction is that the patients breast size will be reduced, resized and the breast will be uplifted as well. To make the breasts asymmetrical, a surgeon will reduce the size and also uplift the healthy breast too so that the breasts are in proportion. This procedure is often welcomed by many women as not only does the work result in healthy breasts but the breasts are also smaller and more pert too. Therapeutic mammoplasty is best for for women with medium to larger breasts as patients with smaller breasts may not have enough available tissue to make the procedure possible.

Speak to an experienced cosmetic surgeon to find out more about therapeutic mammoplasty and to see if it s the right treatment for your situation.

For more information please visit

Stephen McCulley

Article Source:

ArticleRich.com

Secure Disk Erasure Made Easy With Kill Disk Desktop}

Posted on by Admin

Secure Disk Erasure Made Easy with KillDisk Desktop

by

James Vaughn

Every day people all over the world fall victim to identity theft and other fraudulent activities that involve a criminal gaining access to their personal and/or financial information. It’s an increasingly common concern in the digital age, but it’s also one that a lot of home and business users alike don’t pay enough attention to. One of the most common mistakes that people make is failing to properly wipe their digital storage devices before donating or selling them. Emptying the Recycle Bin in Windows, for example, is not going to securely get rid of any data, and just about any third-party data recovery utility will be able to retrieve it intact, particularly if the contents of the disk are not extensively modified beforehand. What you need is a way to securely erase the data to make sure that it’s never going to be retrievable.

Businesses and consumers alike often simply discard old hardware without a second thought, but no one should ever do so until any data-bearing components, such as hard drives, flash drives or solid state drives, have been securely wiped. From a more technical perspective, the process simply involves overwriting the original content, including space marked by the file system as available or unoccupied, with zeros. This is where Active@ KillDisk Desktop comes in, a complete tool for securely purging all data on any writable digital storage device. This innovative and easy-to-use tool supports all hard disks and solid state drives, USB flash drives and external USB or eSATA disks, regardless of the file system currently used on them. In all cases, it provides industrial-grade data sanitization.

Ideal for Business UsersActive@ KillDisk Desktop is a hardware solution designed with demanding business users in mind who often work with multiple terabytes of data on a regular basis, spanning over lots of different physical storage devices. For example, it is ideal for those using storage area networks or network-attached storage devices featuring multiple hard disks installed. It allows you to automatically erase up to five disks at the same time simply by plugging them in to the data erasure workstation. A certification can also be printed for additional peace of mind. The program supports many data security standards, including the U.S. DoD erasure. Jobs are also compliant with the HIPAA standard. In layman’s terms, once a disk has been erased using this powerful program, it’s never coming back. No exceptions.Powered by the latest Intel Atom processors, the compact system runs cool and quiet, drawing minimal power in the process. It’s designed to get the job done quickly and efficiently while issuing all the necessary documentation you need to be sure that the data is gone. No matter how many hard disks you have and how much data is stored on them, Active@ KillDisk Desktop offers the ultimate digitalized version of a paper shredder for businesses of all sizes. It’s also exceptionally easy to use, and it’s shipped as a complete system that operates completely independently of your other devices. Find out more by pointing your browser to killdisk.com/killdesk.htm

James Vaughn is the administrator of a large IT department where secure disposal of digital data is a regular part of the hardware deprecation routine.

Article Source:

eArticlesOnline.com
}

Getting Divorce Records Online

Posted on by Admin

By Beverley Brooke

Divorce and Marriage Records: Court divorce records could also turn up interesting lawsuits and disputes that your ancestors may have been involved in. Although not all government divorce divorce records are public and available through the Internet, there is a very substantial amount of information that can be gleaned from web-accessible public divorce divorce records databases. All you have to do is search for “public divorce divorce record” sites, and you’ll find (for a fee usually) anything that you need to know.. What kinds of things can I find out in public records? There is an abundance of information you can find from looking through public records.

You could do a background check on a child care provider before trusting your children to his or her care. Developing and maintaining the kind of information to help you find someone or something is time consuming and expensive. That’s why organizations like theirs must charge a fee. If you value your time at all, we feel their services are well worth it.

[youtube]http://www.youtube.com/watch?v=TyOWABA9khk[/youtube]

If your public divorce records search is not timely or is just to avoid using the phone book, we recommend you try your local state or county websites. But if your search is urgent and challenging, take a few minutes to explore the sites mentioned above. Each public divorce records resource we’ve sited comes highly recommended and provides information on other research resources.. Search from over 1 Billion Official US Government Records:

criminalrecordusa.info/searchrecords.html

If family history (genealogical research) is something that you are just becoming interested in then the best place to start is with yourself. While recognizing the right of the public to information, the safety of those mentioned in court divorce records must also be upheld. Since court documents need to be filled with accurate details, releasing them to the public should never be at the expense of the proper enforcement of the law. The danger is not only a forever tarnished reputation; it is also very likely that someone may want to seek revenge and as such ‘track down’ people involved in a particular case..

About the Author: Massive Government Public Records at

marriage records

Source:

isnare.com

Permanent Link:

isnare.com/?aid=177312&ca=Legal

Attraction Marketing On The Internet. The Future Of Marketing Is Yours

Posted on by Admin

By Tammy Morton

Traditionally, entrepreneurs would go the long way of selling their products to gain more and more customers. They might normally use typical secrets such as implementing an audience base, calling these folk up, sending e-mails and newsletters, and finally using different advertisement schemes in differing kinds of media available in the market. However , these traditional promoting strategies are already things of the past and more often than not they are already not effective anymore particularly to the kind of generation we have today. Let us take a better look now at attraction marketing on the internet.

Attraction Marketing : A Growing Interest

Regarding this matter, there’s already a growing interest of entrepreneurs into the tenet of attraction marketing. With this type of promoting, you simply wish to avoid the typical mistake of persuading people into availing your services and products. Instead what you plan to do is letting these clients enjoy their buying experience.

Introduction of Attraction Promoting In the Internet

[youtube]http://www.youtube.com/watch?v=-sUKfvwfWaY[/youtube]

Likewise, attraction promoting is not restricted to only traditional companies and stores. It is in truth a useful technique in advertising your products and services to a huge audience. The same applies as when you have a physical store. Since you would like your visitors to have an exciting and memorable experience, you can design your internet site in such a way that when a client sees it, they’ll automatically be comfortable and start looking about for something they can buy.

Also, make sure that your online site is straightforward to comprehend and navigate. People definitely hate lines and cluttered spaces, and therefore the same thing applies to net stores. They do not like having to click on a couple of buttons before getting to their main choice of interest, or having to go thru a couple of worthless info relating to certain products before they can find what they actually need.

Gaining The Trust Of Your Clients

To win the trust of your customers, all you have got to do is present them with information that’s concise and accurate. Give them valuable information in which they can learn and understand the meaning of your products and services. Do not simply publicize to them the wonders that your products can do their lives. However, make them feel that it is a process and that such products are there to help them. Also, this is a big step of getting their trust because once you get their trust, then it is way easier for them to visit your internet site once again and view more products which they’d need.

Really, attraction marketing on the internet is going to be the future of selling. Actually, more and more entrepreneurs have started using the different methods of attraction promoting online. And this is done solely for the intention of building a larger purchaser base. As long as you are determined in achieving your aims, then you’re sure that you will have a crystal clear path to attracting more customers and loyal clients.

To learn more about using attraction marketing on the internet, be sure to follow the directions in the resource box below.

About the Author: To effectively use

attraction marketing on the internet

, it’s important to have a mentor that has left a success path for you. Be sure to visit the following link and you’ll be taken to YouTube and you can watch our

attraction marketing on the internet

overview from an industry expert, Tammy A. Morton

Source:

isnare.com

Permanent Link:

isnare.com/?aid=480570&ca=Marketing

Maximize Your Business With Municipal Lease Programs A Tax Free Investment

Posted on by Admin

Maximize Your Business with Municipal Lease Programs – A Tax Free Investment

by

Sanjana Sharma

Tight operating and capital budgets – this is what, faced by most of the public sector organizations. The only escaper which can be viewed as the source of funds and the one that offers some improvements is the utility budget. Most of the companies opt for the performance contracts that guarantee the performance of the equipment being installed. Typically, it is the cost of the needed equipment or project that is being paid from the savings from the project.

Municipal leasing is also known as a Tax-Exempt Lease/Purchase agreement or an installment purchase agreement that are used to acquire personal and real property. This is the most common financing alternative to bonds and loans. Payments are generally level and are tied to the useful life of the equipment In addition; a tax-exempt lease/purchase agreement does not constitute a long-term debt obligation because of the non-appropriation language included in the agreement. The agreement limits the payment obligation to the current operating budget period of the lessee. In case the future funds are not appropriated or submitted, the equipment is returned to the leasing company. All the lease manufacturer s warranties are passed to the Lessee under this agreement only.

[youtube]http://www.youtube.com/watch?v=PDMFb8hwea4[/youtube]

When signing a municipal lease, make sure that the agreement and all the exhibits are properly executed. However, there is a chance that a particular department or agency may be exceeding their authority when executing a document.

Municipal leasing agreements are used to finance everything from highway equipment, fire rescue, telecommunications systems, and emergency equipment to jail cells. They are ideal for every type of financing, major being the energy and water projects. The voter referendums can be easily avoided as the approval process for a lease is generally much easier, faster and ultimately less expensive than issuing a bond.

Leasing is a most viable and financially sound option for many municipalities to overcome their revenue shortfalls so as to provide quality public services.

Sanjana Sharma-:For more information about

municipal leasing

, heavy construction equipment leasing,

computer equipment leasing

, commercial truck leasing please follow this link

used medical equipments

.

Article Source:

ArticleRich.com

Israel Day Parade: Celebrate Israel From Generation To Generation By Ronn Torossian

Posted on by Admin

Israel Day Parade: Celebrate Israel From Generation To Generation By Ronn Torossian

by

Ronn Torossian 5WPR

I have just returned from the Israel Day Parade with my children It s a special tradition for me, one I remember participating in all my life. I remember as a youngster when I marched, and my mother told me how she marched with Betar in the first Salute to Israel Parade ever held in 1964 she told me how she remembered her father standing in the rain on the corner of 79th Street waving at her.

As I am growing older and more sentimental, watching the parade this year brought me close to tears – My eldest daughter woke me up early this morning excited be on board the RAJE float, I watched holocaust survivors singing Am Israel Chai, and secular and religious Jews standing side by side. The next generation of young Jews were enthusiatic in carrying on the traditions of the Jewish people and love for the Jewish State. It s really a beautiful display.

[youtube]http://www.youtube.com/watch?v=59O7NmCjY-I[/youtube]

For the first time ever the parade was broadcast on live television, and at least for one day it s a Public Relations bonanza for Israel, a beautiful expression of solidarity for the 63rd anniversary of the State. It s a tradition I am proud to pass on to my children, and I am elated to hear my daughter tell me that she can t wait to visit Israel this summer, inspired by the parade. I am heartened by how excited she was to hear my recollections from marching in the parade with my friends throughout the years.

It s an important tradition, one that signifies that our commitment to Israel and the Jewish people passes from generation to generation. As I marched today with my family, I thought of my mother marching in 1964, and her father, a Holocaust survivor, waving at her.

Am Israel Chai The Jewish people live.

Ronn Torossian

is the Founder, President and CEO of New York-based 5W Public Relations, 1 of the 25 largest PR firms in the US.

Ronn Torossian

has overseen the rapid growth and expansion of the PR agency to the Inc. 500 list, as well as provided counsel to hundreds of companies, including members of the Fortune 500, Inc. 500 and Forbes 400.

Article Source:

ArticleRich.com

Everything You Should Know About Personal Assistants

Posted on by Admin

Personal assistant, or PA, has evolved through the years. When it comes to the job description, it has gone a very long way. It is someone who aids and assists individuals in business and personal matters. He attends to what his superior can’t attend to.

The people who often hire personal assistants are CEOs, celebrities, executives, VIPs, business tycoons and entertainment moguls. They need their assistants to work on their daily needs. You often see that the assistants never leave the side of their employers. They make sure that the work to be done will be efficient and easier.

An assistant doesn’t require attaining a specific education and job track in order to get this job. However, a more experienced assistant is calm under pressure. They can also think under their feet.

[youtube]http://www.youtube.com/watch?v=cY1vVk3mg_Q[/youtube]

A lot of individuals seek the help of an assistant in order for them to do other things. Other individuals hire assistants to help them in doing difficult tasks, even though they feel like they can do it on their own. Hiring an assistant, for both business and personal matters, can help you find time to spend with your family and friends. They are closer to you, as they give you extra hour everyday.

If you are thinking whether you can hire an assistant or not, you will be surprised to know the answer. Yes, you can hire an assistant.

A lot of assistants offer services and charge fees according to your requirement. You can also hire assistants on part-time basis, if you are not so capable in paying them for a fulltime capacity. Through that, you can only call them during certain days and schedules. In the long run, if they prove to be competent and reliable, you can hire them even in your absence. With that, you can have your work done even you’re out.

One can also hire virtual assistants. They are becoming popular nowadays. They are like PA’s, yet, they don’t work on site. Tasks that are given to the virtual assistants are tasks that don’t need on-site work. They can check your emails, plan your schedules, organize your day and plan meetings. They can definitely do administrative work.

A lot of small businesses take advantage of the VA’s because these assistants perform work outside the normal working hours. Hiring a VA can reduce your work stress.

If you can’t find one, you can use companies that can hire one for you. They will look for the best assistant that can really suit your needs. You will find that these companies can help you a lot.

Personal assistant is always there to assist an individual who needs their assistance. One of their effective duties is time tracking, which helps a lot in terms of managing tasks and schedules. If you want an extra hand and hour, hire an assistant.

3 Mistakes To Avoid When It Comes To Your Savings

Posted on by Admin

Banking and savings can be considered two sides of the same coin. We all want to save money and it the number one money tip that everyone advocates and implements on themselves as well. Although this is all for good reasons too how it is possible is a big question. What should be the most appropriate way is still need to explore with every minute changing trends.

If one goes with conventional banking for having a savings account, the interest rate is a big issue while on the other hand Islamic bank speculation savings account is another way to explore properly for international account holders in UAE.

Cut it short, keep one thing in your mind that it is the most basic money management step that keeps you prepared for the most unexpected scenarios. For example, a sudden car breaking down, or you need to make an emergency trip, having savings in your account gives you peace of mind. Otherwise to come out of such big financial losses is hard to tackle.

However, saving is just one part of the equation and there are two other directions that give you the exact output to deal with this plan. First seeing it as just a lump sum of money you already have in your savings account, you should focus on the ways to keep it stable and save it from losing the potential value this plan can give you. You can take the path with two options as:

  • Islamic savings account with a Fixed Deposit
  • Conventional savings account with an investment plan

Choose which way you want because both are working in a perfect manner in the UAE region. To make sure that you can get maximum output through a saving plan, here are five mistakes you need to avoid when it comes to your savings.

Don’t have any idea about savings ratio

There is a variation in the savings options like if you are saving for your emergency fund, the general rule of thumb is to save up at least three months of your monthly income. While if you are saving for a UAE mortgage loan, at least you have six months’ monthly expenses so that to easily handle your loan installments without disturbing your routine based tasks.

Let me explain through an example, if your monthly income is AED 3,000, you may look at saving about AED 10000 for your home loan or a mortgage loan in the future then you must start by putting 10% of your monthly income into your savings account.

This is the most basic formula to manage your savings in a fruitful way. Most of the expatriates don’t have an exact idea and they informally get into a loan which comes into an ultimate result in the form of debt. So be prepared yourself with all outcomes so that to manage in a responsible and accurate way.

Avoid saving in an interest bearing account

In conventional banking, savings come from an interest rate system but it’s of no use because at the end of your FD, you will get a minimum amount. Always keep one thing in your mind that compounding interest makes the world go round – well, almost and in many similar situations.

Now the point is, how can we safeguard our hard-earned money from the ghastly inflation in critical situations? Very simple, you always put your emergency savings in an account that offers liquidity and high-interest rate. This is a variable method that can save you from the inflations period when banks have no other option but to cut down your interest rate. This is the only way to save your actual profit.

We would recommend you to take advantage of this feature from savings or current accounts offered by the banks in the UAE. In this way, you can also boost your savings. There is another way out in the form of multiple savings account. For example in a multi-tiered interest account, you don’t only protect your savings from the situation like inflation, but at the other end, you always keep working to increase your funds.

Use auto-billing payments

Most of the account holders don’t have any idea about the smart savings options in UAE they ignore the small things which can be used for savings. Like paying your bills isn’t part of saving, do a thing so? It’s wrong because making smart payments can save you money in many ways. Nowadays making payments have become increasingly easy through credit card and other online banking options. To complete this task you can even choose the option of making recurring transactions.

Suppose you are working with an Islamic loan in the Emirates and you have to make payments for your loan schemes every month. If you are using auto-billing options, you can save a lot. All these features help you to keep track of your payments at one side while on the other hand, you can make it safer for getting further into debt. There is a choice like making late payments through checks and other transaction options. Well, it doesn’t just incur higher interest costs but also affects your credit health, which will impact your credit application in the future.

In UAE, most of the banks provide auto-billing transactions without any fee and it can be done completely free of charge but some of the banks charged a little amount. Take note of these in a proper way and consider this extra fee will help you save in other ways like managing the loan sheet. While the cost of paying your bills manually could possibly be higher due to late transactions.

Conclusive point

As an expatriate, if you want to work for your savings plans, investment solutions or any kind of a loan option, the best Islamic current account might be an appropriate option. You should read all the terms and conditions applied to a scheme because this is quite unique as compared to the conventional banking system.

Proudly powered by WordPress | Indrajeet by Sus Hill.