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  • A Brief History of the Check Routing Number | Financial Ratio Analysis
    America never go to American Bank or any other institution with a similar name It is not uncommon for banks to have more than one routing number depending on the location and purpose of certain accounts but each number is unique No two banks will ever share a routing number A History of the Routing Number Bank routing numbers were created by the American Bankers Association in 1910 as a way to make check processing easier and more secure source Bankrate An ABA number would help a person taking a check be sure that they would receive the promised funds from the payer s bank This was of course well before computers and electronic transfers became the norm so a system needed to be put into place to make transferring funds between banks as reliable as possible Bank routing numbers began to be used in electronic check cashing networks in the 1960s to make the process of cashing a check faster than ever before Physical checks were of course still being written during this time but the fact that they were read and processed electronically greatly reduced any errors that could be made 2004 saw the passage of the Check 21 Act which made it easier for banks to create electronic copies of checks for transportation purposes instead of physical checks This made the already fast process of cashing a check far more efficient source FDIC Physical checks are still routinely written and distributed but electronic copies are now the norm as they allow banks to transport and deposit checks much more easily However bank routing numbers are still widely used today for things such as direct deposit automatic bill payments and wire transfers MICR Since checks are now processed electronically the routing and account numbers need to be printed

    Original URL path: http://spestx.info/a-brief-history-of-the-check-routing-number/ (2016-04-29)
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  • November | 2015 | Financial Ratio Analysis | Page 2
    drive neither too slow nor too fast from that speed Normally a speed of 60mph is considered the most fuel saving pace for smaller lighter cars Heavier vehicles like SUVs trucks luxuries 4x4s etc are advised to maintain a steady speed of 40mph These speeds have been computed through various factor adjustments that you can find here Avoid taking too much extra weight with you in the car For necessary times such as vacations you may take the carriages with you but remember to pack lighter bags taking only what s essential The lighter and smaller the car the more gas mileage it gives A motorcycle maybe rather dangerous but it has its advantages and one of them is that it saves a lot of gas with a brilliant mileage Avoid using premium high octane gas and save money unless your car calls for it Weighty cars have high performance engines and the usage of premium gas is suggested Thus it is better to drive smaller or hybrid cars in times of recession and when gas costs are touching the sky get the most out of everything Posted on November 7 2015 Categories Save Money Top 3 Reasons Why Portfolio Management Is Essential To Business With the uncertainty of the future and an economy that can change abruptly it s hardly surprising for businessmen everywhere to look for ways to protect and secure their investment and at the same time assure investors that their money is in good hands In financial hubs like Hong Kong and other major cities around the world large corporations are fast realizing the importance of portfolio management as such service offers not just financial knowledge but also the assurance of repeated success Wondering what s in it for the manager and the investors Take a look at the top three benefits of such valuable services 1 Better control over financial assets One of the many benefits of portfolio management is having complete control over the money This will allow a business to spread out its investments in several market related or specific stocks instead of just a single one which in turn decreases the risks of poor returns When financial assets are managed by an expert entity like a hedge fund for instance the business is able to assure their investors that their money is in good hands Most hedge fund managers have invested their own financial assets as well and stand to gain from that investment which is why they will work to find ways to make the most out of the investors capital 2 Success is ensured Another benefit that makes portfolio management a valuable service is that success is always ensured no matter if the market increases or decreases That is due to the fact that the investors can monitor and study market trends and therefore have the power to make informed and calculated decisions A portfolio also requires collection of data thereby maximizing the utilization of the business resources With proper

    Original URL path: http://spestx.info/2015/11/page/2/ (2016-04-29)
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  • 15 Effective Ways to Save Money by Reducing Your Gas Costs | Financial Ratio Analysis
    wastage of gas due to normal friction and saves energy Have patience accelerate lightly No need to pound the race push the accelerator smoothly Limit the number of brakes struck and avoid frequent use When you hit the brakes you ve spent gas for stopping instead of traveling Watch the road ahead and think of your moves in advance Coast up on traffic jams red lights or green lights appearing from far away and would not remain green till you reached the signal This would limit the use of brakes and save gas Avoid peak traffic time to travel with kids or even for work Traffic forces frequent brakes and accelerations with bumper to bumper cars not allowing you to stop your engine Use a GPS tracking device whenever possible and reach the destination with the shortest and least busy route available Try warming your car up by driving and not just having it started and letting it rest for 5 minutes Idling the car engine wastes gas and it is recommended to start driving immediately as the engine heats up faster Tire pressure should be checked at least once in a week 6 of the gas mileage could be lost for a single pound of under inflation in the tire pressure Fill up gas from the cheapest gas station near you The searching could be done through either online websites like GasBuddy com or through cell phone messaging updates Sustain a stable speed when driving on roads and highways remember always that a constant speed saves the most fuel Avoid keeping your internal air conditioner open at all times if you can keep away from it Tests have shown that it saves fuel because when an AC is on you have to press the accelerator more than usual to

    Original URL path: http://spestx.info/15-effective-ways-to-save-money-by-reducing-your-gas-costs/ (2016-04-29)
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  • The Added Services And Features Of Trusted Banks | Financial Ratio Analysis
    to a highly systematised set of instructions for various activities to be carried out in their official Internet domains these banks ensure the most positive experience for their clients However aside from carefully laid out methods and different banking functionalities trusted banks have decided to be an even bigger help to all those people who look to their financial knowledge by releasing informative blog posts about common financial matters These posts are proving to be incredibly beneficial to many because they get to read the expert opinion of established authorities regarding often complicated financial subject matters Aside from that posts have also included business related subjects such as employee retention and the provision of employee benefits to boost engagement and development In addition to detailed explanations of business and money processes these blog posts also offer a bounty of bite sized information or quick and easy tips on how people can be smarter with the most trivial financial activities For example they have tips on how to save money on money transfer services Likewise they offer short yet comprehensive guides to help people further understand the process their money goes through whenever they have their currencies exchanged in different parts of the world and how zoning affects the value of money retained in accounts whenever a certain amount is withdrawn overseas These blog posts are not all though these banks also regularly update their miscellaneous offerings such as their rewards system for particular banking activities It s always a delight for customers that some of their transactions allow them to purchase items or secure special service deals at no cost to them Banks have also transformed into personal financial managers for their clients they are known to help people stay on top of their financial responsibilities According to studies and

    Original URL path: http://spestx.info/the-added-services-and-features-of-trusted-banks/ (2016-04-29)
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  • Top 3 Reasons Why Portfolio Management Is Essential To Business | Financial Ratio Analysis
    that their money is in good hands In financial hubs like Hong Kong and other major cities around the world large corporations are fast realizing the importance of portfolio management as such service offers not just financial knowledge but also the assurance of repeated success Wondering what s in it for the manager and the investors Take a look at the top three benefits of such valuable services 1 Better control over financial assets One of the many benefits of portfolio management is having complete control over the money This will allow a business to spread out its investments in several market related or specific stocks instead of just a single one which in turn decreases the risks of poor returns When financial assets are managed by an expert entity like a hedge fund for instance the business is able to assure their investors that their money is in good hands Most hedge fund managers have invested their own financial assets as well and stand to gain from that investment which is why they will work to find ways to make the most out of the investors capital 2 Success is ensured Another benefit that makes portfolio management a valuable service is that success is always ensured no matter if the market increases or decreases That is due to the fact that the investors can monitor and study market trends and therefore have the power to make informed and calculated decisions A portfolio also requires collection of data thereby maximizing the utilization of the business resources With proper overseeing of human resources for example the business determines well informed solutions by using the best methods and financial strategies befitting the situation 3 Investors are assured of a stable organization Money doesn t grow on trees and smart investors know that

    Original URL path: http://spestx.info/top-3-reasons-why-portfolio-management-is-essential-to-business/ (2016-04-29)
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  • Financial Ratio Analysis › Lost Password
    Ratio Analysis Please enter your username or email address You will receive a link to create a new password via email Username or E mail Log in Back to Financial

    Original URL path: http://spestx.info/wp-login.php?action=lostpassword (2016-04-29)
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  • jelon | Financial Ratio Analysis | Page 2
    before Everything is accomplished electronically and modern MICR readers and printers have all but eliminated any potential errors that can be made The characters are read several times at extremely high speeds to ensure that all checks are sent to the appropriate parties Posted on November 7 2015 Categories A Brief History 15 Effective Ways to Save Money by Reducing Your Gas Costs We don t know when the recession will come to an end and even when it s over we don t have a guarantee that gas prices will be stable at the same rate as they were before the slump Traveling expenses now represent a larger proportion of any lower or middle class household s income where it was a lower percentage of the income in previous times I ve met people who d stopped vacationing for 2 months due to the high increase in car costs and running errands Small measures taken care of could significantly reduce your gas expenses and in turn could allow the availability of a greater amount of money to be spent elsewhere then just on gasoline Use radial steel coated tires they re known to increase gas mileage by more than 8 New technology based low rolling resistance tires also reduce the wastage of gas due to normal friction and saves energy Have patience accelerate lightly No need to pound the race push the accelerator smoothly Limit the number of brakes struck and avoid frequent use When you hit the brakes you ve spent gas for stopping instead of traveling Watch the road ahead and think of your moves in advance Coast up on traffic jams red lights or green lights appearing from far away and would not remain green till you reached the signal This would limit the use of brakes and save gas Avoid peak traffic time to travel with kids or even for work Traffic forces frequent brakes and accelerations with bumper to bumper cars not allowing you to stop your engine Use a GPS tracking device whenever possible and reach the destination with the shortest and least busy route available Try warming your car up by driving and not just having it started and letting it rest for 5 minutes Idling the car engine wastes gas and it is recommended to start driving immediately as the engine heats up faster Tire pressure should be checked at least once in a week 6 of the gas mileage could be lost for a single pound of under inflation in the tire pressure Fill up gas from the cheapest gas station near you The searching could be done through either online websites like GasBuddy com or through cell phone messaging updates Sustain a stable speed when driving on roads and highways remember always that a constant speed saves the most fuel Avoid keeping your internal air conditioner open at all times if you can keep away from it Tests have shown that it saves fuel because when an AC is

    Original URL path: http://spestx.info/author/jelon/page/2/ (2016-04-29)
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