Having a checking account has become a necessity these days. You simply can’t do without one. It is also very easy to create;, you can even go online and open a free checking account. Be it for the protection of your money or for managing your finances, it is important to get a checking account.
These accounts are suitable for a student account, joint account or business accounts.
What a checking account lacks is good interest rates. You either get very low interest or no interest at all whereas in savings account you have high-interest rates.
Several banks offer to open totally free checking account and there are numerous websites as well that allow you to open totally free checking account online.
Before You Open A Checking Account
The first thing you need to consider are the fees. You will have to pay overdraft fees for every single transaction. You will also have to pay service charges for not maintaining a minimum balance, writing too many checks, and other reasons.
Checking accounts allow for Electronic Fund Transfer; this means that help can come to you immediately when you are in need.
You have to be cautious while using ATMs of banks other than your own; you may be charged some surplus amount.
The Benefits Of Opening A Checking Account
Manage Finances
This is the biggest advantage of a checking account. You can keep a tab on where your money is going, and plan your budget accordingly. You can also stay up-to-date with your monthly expenses with your bank statements.
Available Everywhere
Checking accounts are available almost at all banks. Some banks also offer a free checking account. It is very convenient to open one. Banks also give you an opportunity to open online free checking accounts.
Safe And Secure
Having checking accounts assures the safety of your money. If you carry around a large amount of money, there is a huge risk of losing it. There is also a chance of your money being stolen.
Insured Accounts
All the banks that offer checking accounts are insured by the Federal Government. This means that you will get your money back no matter what.
Debit Card
You are usually provided with a debit card when you open a checking account. You need not carry cash all around, and you can pay for your online purchases.
Given these benefits, it’s easy to see why practically everyone today seems to own a checking account. If you don’t, it’s about time you did!
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Dehumidifier buying guide
Read moreYou can avoid the confusion in choosing the best dehumidifier for your home if know exactly what to look for in a dehumidifier.
There are many factors that contribute in choosing a suitable dehumidifier for your home, geographical location is one of them. Purchasing a dehumidifier involves choosing the size and type which will eliminate humidity and moisture issues from your home.
Following points will help you buy a suitable dehumidifier for your home:
Sizing
Size of the area that you will be dehumidifying is the first thing you need to consider while buying a dehumidifier. Do not forget to include the height of the room in the equation, because you will be drying of the entire room space and not just along the floor.Geographical location
Apart from the size of the room you wish to dehumidify, it is the geographical location that matters while buying a dehumidifier. If you are resident of Gulf regions, Florida, and Texas, you might need a dehumidifier almost throughout the year. Also, people living on the west coast of the United States would need a dehumidifier during the winters, because this is the time it rains the most in those areas. To conclude, you might require large capacity dehumidifier for up to 8 to 10 months.Air temperature and current humidity in the room
Most dehumidifiers work fine in temperatures above 24 degrees Celsius and above. You might need a specialty low-temperature models for dehumidifying rooms that are below 20 degrees Celsius. It is important that you know the severity of the moisture issues in your room. Rooms with humidity higher than 60% will need a dehumidifier.The desired level of humidity
It is recommended that lowering the humidity of a room below 50% will eliminate the potential hazards of mold and dust mite population, which can damage the property of your home. The lower you set the humidistat of your dehumidifier, the longer it will operate. If you have musical instruments at your home (such as guitars and pianos) it is recommended that you maintain the humidity below 45%.Energy Star rating
When it comes to buying electrical appliances, people always look for energy star rating of the appliance. The more the energy stars the appliance has, the more the energy saving it does. However, in the case of dehumidifiers, the efficiency is measured in terms of the number of points that it removes per kilowatt of electricity. So, next time, when you go shopping for a dehumidifier, look for this rating. -
Top three smartphones you need to check out
Read moreAs the smartphone market has been expanding, newer and newer models with awesome innovations are being produced. This article will cover the features of different phones. It will also cover the Samsung Galaxy S8, Moto Z, as well as the new iPhone’s price.
Samsung Galaxy S8
There should never be limits to anything. This could be for your dreams, your ambitions, or even your phone’s screen size. The Samsung Galaxy S8 has a 5.8-inch screen with infinity display. Apart from its looks, it is also packed with a 10 nm processor and an Exynos 8895 Octa-Core processor that clocks at a 10 percent faster speed. It comes with a 12 MP rear camera with a f/1.7 aperture for better low-light pictures. The pro mode on the Galaxy S8, lets you adjust six settings like the shutter speed, ISO, color tone, and more. Last but not the least, you will also gain access to smart features like Bixby and Samsung Pay. The Samsung Galaxy S8’s price is USD 424.99.
Apple iPhone 7 Plus
If “the bigger the better” is your mantra, then you should definitely check out the iPhone 7 Plus. It not only has a huge 5.5-inch screen, this new iPhone’s price is equally attractive! The A10 fusion chip makes this phone blazing fast. The 12 MP rear camera of the phone is great for amateurs as well as professionals. A unique feature of this phone is that it does not come with a headphone jack. It is instead connected with Ear Pods. The new iPhone’s price is USD 769.
Moto Z
We all have that feeling of wanting to make subtle changes to our phones. This could be due to a lacking feature or maybe because of something new in the market. While this feature is not available on most phones, you may update and more on the Moto Z. Now you may turn your phone into a professional camera, blast some music, or even project your ideas onto the nearest wall with Moto Mods. The phone has a really strong magnet that can stick these add-ons. The Moto Z costs USD 699.99.
So, do check out these cool phones the very next opportunity you get.