tag:blogger.com,1999:blog-15362222333468831452019-03-08T05:42:14.419-08:00What You Did Not Know About US EconomyWelcome to the “My Personal Finance” blog. Within this website you are able to get the most reliable and relevant information about the world of banking and finance. In case you have any troubles with personal planning of finances, it can be easily solved with our website. Just stay with us and keep track of our new posts that are able to help you in saving your money. You are able to find a lot of interesting views about how to invest money.Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comBlogger24125tag:blogger.com,1999:blog-1536222233346883145.post-17913244196392276272019-02-13T08:29:00.000-08:002019-02-13T08:29:09.833-08:00Finland as a model of a successful economy<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-2ufWIVz35nw/XGRFyDqnYGI/AAAAAAAAAIc/aKvXlwdsjrsVDDdp8WGc33_ccFLNvmCYwCLcBGAs/s1600/02.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="505" data-original-width="740" height="217" src="https://2.bp.blogspot.com/-2ufWIVz35nw/XGRFyDqnYGI/AAAAAAAAAIc/aKvXlwdsjrsVDDdp8WGc33_ccFLNvmCYwCLcBGAs/s320/02.jpg" width="320" /></a></div><div style="text-align: justify;">The country's economy is characterized by the following data: nominal GDP for 2017 is $ 237 billion, which is 46 thousand dollars per capita.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">GDP structure: agriculture - 3%, industry - 27%, services - 70%.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The country is highly industrialized with a high proportion of high-tech industries. The structure of the industry is very complex, despite the small number of the working population (less than 3 million people).</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The mining industry, based on minerals — iron ore, non-ferrous metal ores — copper, lead, zinc, chromium, nickel, cadmium, mercury, selenium, cobalt, gold, silver, and non-metallic minerals — limestone, apatites, talc, building materials.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The leading industries are ferrous and nonferrous metallurgy, mechanical engineering (shipbuilding specializing in tankers and icebreakers of various capacities, electronic equipment, machinery for mining, ferrous and nonferrous metallurgy, forestry, food and light industry, printing, pulp and paper, woodworking and other industries).</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">A prominent place in the structure of the economy is chemical, textile, clothing, footwear, food industry.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Mechanical engineering manufactures machine tools, agricultural machinery, electric motors, electrical products, cable products, trucks, marine engines, elevators, escalators, tractors for the forest industry and other products.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Finland is a country that, for the first time in the world, began industrial development and mass production of mobile phones by Nokia, which was a real revolution in communication between people.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Agriculture diversified, highly mechanized.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Arable land is 2 million hectares. Crop specializes in growing crops. The grain harvest amounts to 5-6 million tons. The farms are small, an average of 19 hectares, but in recent years there has been an enlarged farm due to the introduction of more productive machinery for tillage and harvest. The country began year-round production of tomatoes.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Many farms began to grow commercially blueberries, raspberries, strawberries, mushrooms, but given the laboriousness of their collection, farmers are forced to attract labor from other underdeveloped countries (Ukraine, Thailand, and others).</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">An important place in crop production is potato and animal feed production. In recent years, began to grow fibrous hemp, hops and even grapes for wine production.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Despite the important role of agriculture in the economy of the country, nevertheless, forestry occupies the main place in agriculture, as a source of raw materials for the development of the woodworking and pulp and paper industries, whose products are sold on the world market.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The fishing industry also received development, since in the past five years the demand for fish products abroad has risen sharply.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Livestock, as a branch of the economy, specializes in the production of dairy products, beef, and mutton meat. Pig production is not sufficiently developed, therefore, to meet the needs of the domestic market, pork is purchased for import.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Poultry farming is developing for the production of eggs and meat, but the poultry farms are not widely spread.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">On a limited scale in Lapland, they are engaged in reindeer herding and hunting for animals.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Transport is developed at a high level and includes all its types, which allows you to quickly get to anywhere in the country.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Foreign trade in 2016: exports amounted to $ 61.5 billion - various types of paper, petroleum products, rolled stainless steel, automobiles, lumber, food and light industry products, electrical engineering and other products that were bought by such major countries as Germany, Sweden, and the USA, The Netherlands and China.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Imports - $ 57.4 billion - crude oil, petroleum products, automobiles, computers, chemical, light, pharmaceutical, and other industries. The main suppliers are Germany, Sweden, Russia, China, the Netherlands.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The country's population is 5.5 million people. The level of urbanization exceeds 84%.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Life expectancy: men - 79 years, women - 83 years.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">In many indices of personal development and economy, the country is among the top twenty countries out of 197 independent states of the world. There is something to learn from the Finns, not only in terms of housekeeping but also to the mind.</div></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-8738152265443592662019-02-13T08:18:00.001-08:002019-02-13T08:18:49.649-08:00Factors of stability of the US economy<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-g8_aRmxGY7o/XGRDQzw0hHI/AAAAAAAAAIQ/BGGHIhTI8WQrNC5N-0qvn-y_uXxk8CpxwCLcBGAs/s1600/00-2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="800" data-original-width="1200" height="213" src="https://1.bp.blogspot.com/-g8_aRmxGY7o/XGRDQzw0hHI/AAAAAAAAAIQ/BGGHIhTI8WQrNC5N-0qvn-y_uXxk8CpxwCLcBGAs/s320/00-2.jpg" width="320" /></a></div><div style="text-align: justify;">In recent years, changes in the world economy have occurred due to the emergence of countries whose growth rate of the gross domestic product is far ahead of global indicators, which makes its own adjustments in the balance of influence in the world on relations between countries and competition for markets. In particular, China and India with a total population of over 2.6 billion people, (the third part of all people living on the planet), increasingly affect world trade and in the future, their role will only strengthen.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">This forecast is justified by the growth rate of the economy, which in China since 2016, although not as high as before (8-12% per year for the period 1995-2008), but still significantly outpaces the global rate. For the next 2-3 years, an annual growth of about 7% is projected, with the world average level of + 3%. The high rates of development of the Chinese economy will increase GDP from $ 12.7 trillion in 2017 to $ 15.5 trillion in 2020 and slightly reduce the gap from the United States, while confidently retaining the second place in the world. The Indian economy is also developing at a fast pace - more than 7.5% per year and its GDP in 2017 was $ 2.6 trillion, $ 2.85 trillion is planned for 2018, and by 2020 the gross released product can reach $ 3, 3 trillion.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">However, the United States will still remain the first country in the world to produce products with total GDP. At least in the foreseeable future (until 2030). This figure for the United States now, in 2018, exceeds $ 20 trillion and is unlikely to decrease in the near term. The phenomenon of the development of the US economy is worthy of every study and, to the extent possible, the use of the countries of the former USSR.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">No doubt, the USA is a rich country. More specifically, the scale of its economic and financial activities can be represented visually. On the given map, each US state is signed by the name of the country, whose annual GDP roughly corresponds to the annual GDP of this state:</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The GDP of the "golden state" of California in 2015 was equal to 2.448 trillion USD. If we imagine a situation in which California would be an independent country, it would occupy the 8th place in the world GDP ranking. And if all the states of the North American federation are presented in the world table of ranks as separate countries, then three of them - California, Texas and New York - would be included in the top 15 most developed economies of the world.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">By the way, in our place of Brazil in our example with a map, which has 1.796 trillion USD (2016) and a population of 200 million people, Russia could well have been - 1.283 trillion USD (2016), if she could double her indicators.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The US economy has been developing dynamically based on a reasonable economic model, which is based on the following growth factors:</div><ul style="text-align: left;"><li style="text-align: justify;">the scientific picture of the world process of economic life (the government used the recommendations of economists, many of whom were Nobel laureates and made an invaluable contribution to the prosperity of the country);</li><li style="text-align: justify;">improvement of labor operations, use of the development of scientific potential and experimental design based on the use of the achievements of world science, with a US population of 320 million people, the number of scientists and engineers employed in the field of science, more than 4 million people. Yes, there are more scientists in the USA than those employed in agriculture;</li><li style="text-align: justify;">rational use of rich natural resources - minerals, forests, water, land resources, flora and fauna, the organization of reserves, parks, etc .;</li><li style="text-align: justify;">putting into practice the achievements of scientific and technological progress - the latest technology and production technologies, work organization, robotization of labor-intensive production processes, expanding the range of new products based on high technologies, new management methods;</li><li style="text-align: justify;">the constant renewal of the production potential of firms using the most advanced machines and equipment;</li><li style="text-align: justify;">development of economic thinking of personnel and use of economic categories, such as cost, profit, expenses, income, productive forces and production relations, forms of organization of production, exchange, distribution, consumption, capital, investment, and others;</li><li style="text-align: justify;">minimal regulation of the economy by the state apparatus and stability of the rules for organizing and operating a business; mobile and vigorous labor, attracting immigrants, industrial training of workers and managers to new methods of performing labor operations;</li><li style="text-align: justify;">control over productivity and remuneration, depending on the functions and qualifications of the staff;</li><li style="text-align: justify;">rational structure of the economy (industry - 21%, agriculture - 1%, services - 78%). The industrial complex includes almost all industries represented in the world engineering production. Agriculture provides all the needs of the country and exports a significant part (the production of grain annually amounts to 440 million tons, of which 60 million tons are exported);</li><li style="text-align: justify;">formation of a large domestic market, sound foreign economic policy, balanced export and import in terms of cost and range;</li><li style="text-align: justify;">creation of developed infrastructure and logistics, transport network and communications that meet the best international standards;</li><li style="text-align: justify;">the creation of a cult of entrepreneurship (entrepreneurs can be considered only those who, risking capital, develop new types of products or activities that have no analogs);</li><li style="text-align: justify;">use of innovations in operating business (American business accounts for 50% of innovations introduced by all countries of the world);</li><li style="text-align: justify;">creation of a high production culture and a special lifestyle that is open to everything new and progressive in all spheres of human activity.</li></ul><div style="text-align: justify;">A unique combination of these factors can hardly be copied and used in the economies of the post-Soviet countries, although some of them are advisable to implement, if not in all enterprises, then at least in medium and large ones. No need to reinvent the wheel, it is better to use the proven experience of other countries with a certain adjustment to it, taking into account new management models and binding to the specific conditions of our business.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">It is important to choose a strategic goal and consistently go to achieve it. Without understanding the objectives of business development and the search for adequate management models, it is impossible to succeed either domestically or internationally, so studying the US experience can give a certain impetus for the birth of business ideas and accelerate the growth rate of our economy.</div></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-83241200683698441442019-01-14T08:33:00.003-08:002019-01-30T08:09:12.909-08:00SUNY Buffalo science classes<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-rxoNT6HgaPs/XDy5z22d5mI/AAAAAAAAAFE/iz-iksxE2-0AYFXubEgSoW1m4pdSQgquACPcBGAYYCw/s1600/istockphoto-494940062-1024x1024.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="726" data-original-width="1024" height="226" src="https://2.bp.blogspot.com/-rxoNT6HgaPs/XDy5z22d5mI/AAAAAAAAAFE/iz-iksxE2-0AYFXubEgSoW1m4pdSQgquACPcBGAYYCw/s320/istockphoto-494940062-1024x1024.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">To request course information, please complete this form. You may receive information from just one program, or several. Before making decisions about your future, compare degree programs carefully.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Think about what career is best suited for you, and where you want to study. Request more information now.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Find information about SUNY Buffalo science classes, and registering for discussion sections. Which college degrees give you the best chances of finding employment after graduation? Completion of an accredited engineering program can qualify you to enter the workforce as a paid intern immediately. Concentrating on SUNY Buffalo science classes, for example, you may gain an advantage in job recruiting on-campus. Check with the mechanical engineering department for course registration deadlines, and scientific research program requirements. Please use the form above to request admissions info for SUNY Buffalo.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Mechanical engineering degrees typically take four to five years to complete, and result in a Bachelor of Engineering (BEng), Bachelor of Science (BSc or BS), or Bachelor of Mechanical Engineering (BME). In the US, most undergraduate mechanical engineering programs are accredited by the Accreditation Board for Engineering and Technology (ABET). Mechanical engineering programs include courses on composites, thermodynamics, engine design, fluid dynamics, control theory, robotics, and computer-aided design (CAD). In addition to the core mechanical engineering curriculum, many mechanical engineering programs offer more specialized programs and classes, such as control systems, fuel cell technology, and biomechanics.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Many mechanical engineering companies have begun to incorporate computer-aided engineering (CAE) programs into their existing processes, including 2D and 3D solid modeling computer-aided design (CAD), enabling faster and more exhaustive visualization of products. Other CAE programs commonly used by mechanical engineers include product lifecycle management (PLM), and analysis tools such as finite element analysis (FEA), computational fluid dynamics (CFD), and computer-aided manufacturing (CAM). Further, automation in the form of industrial robots allow businesses to save money on manufacturing costs, and ensure precision quality control. The median annual income of mechanical engineers in the US workforce was $80,580, highest when working for the government ($92,030), and lowest in education ($57,090). Beyond major requirements within the mechanical engineering department, you may consider Mildred Elley College aerospace engineering department ranking as an adjunct to your primary course of study.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-75132163892945075742019-01-14T08:31:00.000-08:002019-01-22T02:33:14.736-08:00We Simplify the Home Loan Process for You<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-cKWthfrFU60/XDy5Eo0v6vI/AAAAAAAAAE4/p8OjL8ohcsMCkfV5r3HY785_YScOG6ajACLcBGAs/s1600/quantitative_finance-71606587_0.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="264" data-original-width="470" height="179" src="https://3.bp.blogspot.com/-cKWthfrFU60/XDy5Eo0v6vI/AAAAAAAAAE4/p8OjL8ohcsMCkfV5r3HY785_YScOG6ajACLcBGAs/s320/quantitative_finance-71606587_0.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;">A home is one of three basic necessities that a man has. Everyone lives in some kind of a home but aspires for the next level. The growth in real estate and the introduction of new features make people want to buy a home that meets the latest trends. But property is expensive and for most people owning a place of their own seems like a distant dream. Thankfully, home loan providers like Shri Raam Finance, help prospective buyers by financing their dream house.</span><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;">The first step in buying a house is identification of property. Depending on the builder, the same kind of house will be available at different prices. Once you have identified the property, bring the basic papers to us and we will guide you towards further paperwork. We have tied up with all prominent builders in Delhi-NCR,which makes the process easier for the buyer.</span><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;">The loan that you can get depends upon your capacity to pay back and your current income. You would be asked to provide bank statements, salary slips, evidence of other property etc. Once we are fully satisfied with your financial standing, the loan is sanctioned to you. It is best to take a loan from a local source. This means, if the property is in NCR, take the home Loan in Delhi NCR.</span><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;">At Shri Raam Finance, we believe in doing what’s in the best benefit of our customers. Thus, our loan officers introduce you to easy repayment options. We suggest you with a repayment plan that’s best suited for your loan type, making sure you’re always at an advantage.</span><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;">We offer a host of home loan plans in Delhi-NCR, making it easier for you to finance your dream home. For details on our home financing models, please refer to the table below.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-25002677039334039232018-12-21T10:12:00.002-08:002019-01-22T02:33:14.690-08:00How The SEC Supervises Industry Professionals<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Another important part of the SEC's role is supervision of the securities markets and the conduct of securities professionals. The SEC serves as a watchdog to protect against fraud in the sale of securities, illegal sale practices, market manipulation, and other violations of investors' trust by broker-dealers, investment advisers, and other securities professionals.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In general, individuals who buy and sell securities professionally must register with the appropriate SRO, meet certain qualification requirements, and comply with rules of conduct adopted by that SRO. </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-coO6NG63CgQ/XB1D0hFDAOI/AAAAAAAAAEg/jgO28cgbTm0NtkU3tyJasRSepBQTC_BYQCLcBGAs/s1600/images.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="166" data-original-width="303" src="https://1.bp.blogspot.com/-coO6NG63CgQ/XB1D0hFDAOI/AAAAAAAAAEg/jgO28cgbTm0NtkU3tyJasRSepBQTC_BYQCLcBGAs/s1600/images.jpg" /></a></div><span style="background-color: white; color: #111111; font-size: 13px; white-space: pre-wrap;">The broker-dealer firms for which they work must, in turn, register with the SEC and comply with the agency's rules relating to such matters as financial condition and supervision of individual account executives.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In addition, broker-dealer firms must also comply with the rules of any exchange of which they are a member and, usually, with the rules of the NASD. The SEC can deny registration to securities firms and, in some cases, may impose sanctions against a firm and/or individuals in a firm for violation of federal securities laws (such as, manipulation of the market price of a stock, misappropriation of customer funds or securities, or other violations). </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SEC polices the securities industry by conducting inspections and working in conjunction with the securities exchanges, the NASD, and state securities commissions. </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-67216972922382407282018-12-21T10:08:00.002-08:002019-01-22T02:33:14.713-08:00What Companies Must Disclose<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Before any company offers its securities for sale to the general public (with certain exceptions), it must file with the SEC a registration statement and provide a "prospectus" to investors.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In its registration statement, the company must provide all material information on the nature of its business, the company's management, the type of security being offered and its relation to other securities the company may have on the market, and the company's financial statements as audited by independent public accountants. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">A copy of a prospectus containing information about the company and the securities offered must be provided to investors upon or before their purchase. In addition, most companies must continue to update, in filings made with the SEC, this disclosure information quarterly and annually to ensure an informed trading market. </span><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-tmIm71DlY6E/XB1ELu7HS0I/AAAAAAAAAEo/0IxeJ2_T9EUjHWZzfVb6IG2o2JhOYNtrACLcBGAs/s1600/2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="754" data-original-width="1600" height="150" src="https://1.bp.blogspot.com/-tmIm71DlY6E/XB1ELu7HS0I/AAAAAAAAAEo/0IxeJ2_T9EUjHWZzfVb6IG2o2JhOYNtrACLcBGAs/s320/2.jpg" width="320" /></a></div><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SEC reviews registration statements and periodic reports for completeness, but the SEC does not review every detail and verification of each statement of fact would be impossible. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">However, the securities laws do authorize the SEC to seek injunctive and other relief for registration statements containing materially false and misleading statements. Persons who willfully violate the securities laws may also be subject to criminal action brought by the Department of Justice leading to imprisonment or criminal fines.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The laws also provide that investors may be able to sue to recover losses in the purchase of a registered security if materially false or misleading statements were made in the prospectus or through oral solicitation. Investors must seek such recovery through the appropriate courts, since the SEC has no power to collect or award damages or to represent individuals. </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-31903219968987561542018-12-21T10:06:00.000-08:002019-01-30T03:30:07.656-08:00The Function Of The SEC<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-HARj5iLFPbE/XFGKfwAS6QI/AAAAAAAAAFc/tgA9IKxh7d0mCEUPOMvA-uDoUPTm7uNgACLcBGAs/s1600/2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="656" data-original-width="1600" height="162" src="https://1.bp.blogspot.com/-HARj5iLFPbE/XFGKfwAS6QI/AAAAAAAAAFc/tgA9IKxh7d0mCEUPOMvA-uDoUPTm7uNgACLcBGAs/s400/2.jpg" width="400" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SEC, an independent agency of the U.S. Government, was established by Congress in 1934 to administer the federal securities laws. It is headed by five Commissioners, appointed by the President, who direct a staff of lawyers, accountants, financial analysts, and other professionals.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The staff operates from its headquarters in Washington, D.C. and from five regional offices and six district offices in major financial centers throughout the country.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SEC's principal objectives are to ensure that the securities markets operate in a fair and orderly manner, that securities industry professionals deal fairly with their customers, and that corporations make public all material information about themselves so that investors can make informed investment decisions. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SEC accomplishes these goals by: Mandating that companies disclose material business and financial information; Overseeing the operations of the SROs; Adopting rules with which those involved in the purchase and sale of securities must comply; and Filing lawsuits or taking other enforcement action </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">in cases where the law has been violated. Despite the many protections provided by federal and state securities laws and SRO rules, it is important for investors to remember that they have the ultimate responsibility for their own protection.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In particular, the SEC cannot guarantee the worth of any security. Investors must make their own judgments about the merits of an investment. </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-74247245694429657872018-12-21T10:02:00.001-08:002019-01-30T03:33:34.458-08:00Brokers<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-525F1mfT-CE/XFGLYUWpIvI/AAAAAAAAAFs/n3es9oOeU88Mr-XPkruN5jx6hAjIga5HwCLcBGAs/s1600/4.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="380" data-original-width="640" height="189" src="https://2.bp.blogspot.com/-525F1mfT-CE/XFGLYUWpIvI/AAAAAAAAAFs/n3es9oOeU88Mr-XPkruN5jx6hAjIga5HwCLcBGAs/s320/4.png" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">If you buy or sell securities on an exchange or over the counter, you will probably use a broker, and your direct contact will be with a registered representative. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The registered representative, often called an account executive or financial consultant, must be registered with the National Association of Security Dealers (NASD), a self-regulatory organization whose operations are overseen by the Securities and Exchange Commission (SEC), and with the states in which the broker is conducting business. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The registered representative is the link between the investor and the traders and dealers who actually buy and sell securities on the floor of the exchange or elsewhere.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-29018747204845641442018-12-21T10:01:00.001-08:002019-01-30T03:35:40.997-08:00Over The Counter<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-rSAVmfoL4ik/XFGL8V1wiwI/AAAAAAAAAF4/Q68qZFBFjgkvr7rwg8A0K06cg-wp76_nwCLcBGAs/s1600/5.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1146" data-original-width="1600" height="229" src="https://4.bp.blogspot.com/-rSAVmfoL4ik/XFGL8V1wiwI/AAAAAAAAAF4/Q68qZFBFjgkvr7rwg8A0K06cg-wp76_nwCLcBGAs/s320/5.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Many securities are not traded on an exchange but are traded over the counter (OTC) through a large network of securities brokers and dealers.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In the National Association of Securities Dealers' Automated Quotation System (NASDAQ), which is run by the National Association of Securities Dealers (NASD), trading in OTC stocks is done via on-line computer listings of bid, which asks prices and completes transactions. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Like the exchanges, NASDAQ has listing standards that must be met for securities to be traded in that market. Similar to an exchange it provides a "meeting place" for buyers and sellers. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The typical investor generally will not know whether their security is bought or sold through and exchange or over the counter. The investor engages a broker who arranges the transaction in the appropriate market at the desired price. </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-19719321703943174022018-12-21T09:59:00.002-08:002019-01-30T03:38:49.983-08:00Exchanges<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-TOYIwroln5c/XFGMfhga5uI/AAAAAAAAAGA/OfAPrrwq97s_BSvcclfJeBkpO3SkxCiWwCLcBGAs/s1600/6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="490" data-original-width="840" height="232" src="https://2.bp.blogspot.com/-TOYIwroln5c/XFGMfhga5uI/AAAAAAAAAGA/OfAPrrwq97s_BSvcclfJeBkpO3SkxCiWwCLcBGAs/s400/6.jpg" width="400" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Securities are bought and sold in a number of different markets. The best known are the New York Stock Exchange and the American Stock Exchange, both located in New York City.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In addition, six regional exchanges are located in cities throughout the country. A corporation’s securities may be traded on an exchange only after the issuing company has applied to the exchange and met any listing standards relating, for example, to the company's assets, number of shares publicly held, and number of stockholders. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Organized markets for other instruments, including standardized options, impose similar restrictions. The exchanges facilitate a liquid market for securities where buyers and sellers are brought together. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Listing on an exchange, however, does not constitute approval of the securities or provide any assurance as to risk and return. </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-51763529561295155672018-12-21T09:57:00.000-08:002019-01-30T03:43:32.499-08:00Investing Advice <div dir="ltr" style="text-align: left;" trbidi="on"><h3><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Your First Step to a Prosperous Future </span></h3><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><h4><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Investment Basics</span></h4><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-caVzLwTdsuM/XFGNkMrbSRI/AAAAAAAAAGM/MTVLHBk7xLoe5qWAmeOkG6EOEknSRWroACLcBGAs/s1600/7.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="267" data-original-width="400" height="213" src="https://3.bp.blogspot.com/-caVzLwTdsuM/XFGNkMrbSRI/AAAAAAAAAGM/MTVLHBk7xLoe5qWAmeOkG6EOEknSRWroACLcBGAs/s320/7.jpg" width="320" /></a></div><h4><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">What You Should Know</span></h4><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Before you invest, it’s important to be as informed as possible about securities and markets. Further, you must stay informed and monitor your portfolio. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">This Financial Guide tells you what you need to know about markets and securities, and provides some basic suggestions on choosing an investment. The world of investing can seem mind-boggling for a beginning investor and the amount of information required to be consumed can appear daunting. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">How do you decide what type of security to invest in? For example, should you choose stocks, bonds or some combination of investments? Should you invest in mutual funds? How do you choose a particular fund, stock or bond? How do you assess the risk to your money? </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">This Financial Guide provides a starting point for inexperienced investors. It describes how securities markets work, what protections are afforded, the general types of securities available, the interaction of risk and reward and how to select the investments appropriate for your risk tolerance.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For a definition of the various terms used in the investment world, see Glossary of Investment Terms. </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-18893123713594551272018-12-21T09:53:00.000-08:002019-01-30T03:45:48.169-08:00Web Banking<div dir="ltr" style="text-align: left;" trbidi="on"><h4><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Banking When You Want It!</span></h4><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-5lX8tV3lk2I/XFGOQwC7EUI/AAAAAAAAAGU/Z3nc8PRcUWUonSLO7o-6MHqz1JD9fiC0QCLcBGAs/s1600/8.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="330" data-original-width="620" height="170" src="https://1.bp.blogspot.com/-5lX8tV3lk2I/XFGOQwC7EUI/AAAAAAAAAGU/Z3nc8PRcUWUonSLO7o-6MHqz1JD9fiC0QCLcBGAs/s320/8.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">With Web Banking, your Harleysville National Bank and Trust Company office is as close as your personal computer. To help you save even more time and money, use the Bill Payment feature and let us buy the stamps!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Easy Account Access</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Get online and use the Web to:</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Check the balances and activity of your registered accounts</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Print a listing of your current transactions</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Place a stop payment order</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Transfer funds</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">View your paid check images online</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Pre-schedule your loan payments</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Download your transaction activity to a variety of software packages including Quicken® or Microsoft Money®</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Order checks</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">All this information is available to you at no charge! You'll be accessing the Web Banking program from the comfort of your home or office using your own computer.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For your assistance, there are help pages available for your use within the Web Banking site. These pages will help assist you in navigating through the Web Banking site and will also help you learn how to use this powerful system to its fullest.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Registration is Easy</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Call us or stop by any branch location and we'll have you registered in no time, or you can even apply online. Begin to access your accounts online the next business day after you register!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Data Security</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">We know the security of Web Banking is important to you. Your account numbers are never displayed on the Web; instead, when you register for Web Banking, we will ask which accounts you wish to access online and you will be able to assign these accounts "pseudo names." When you log into Web Banking, these pseudo names will display rather than your account number - complete security!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">To provide even more protection, a PIN (personal identification number) is required for Web access as well as a unique customer identification number that will be issued to you at the time of enrollment. The first time you use Web Banking the system will display step-by-step instructions to change your PIN. You may also choose to change your customer identification number to a "friendly login ID."</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Funds Transfer</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Hop online and transfer funds to/from your linked Checking, Statement Savings, Money Market and Loan accounts anytime of the day or night!Transfers made to/from your deposit accounts may be viewed immediately. Transfers to/from loan accounts will appear online the next business day. Transactions completed after 8 p.m. will be posted to your accounts on the next business day. For your records, the Web Banking system will provide you with a confirmation number.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Please note: the number of monthly transfers from savings and money market accounts is limited by law.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Convenient Bill Payment</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Bill Payment is a fantastic product that allows registered Web Banking users to pay bills or send money to anyone (non-government entities only) in the United States through your Web Banking account. Pay anyone -- from your utility company or cable provider, to your pet sitter or even a child in college across the country! Simply log into your Web Banking account, provide information about who you are sending the money to, and that's it! Your payment is on its way to the recipient. For detailed information about Bill Payment, click here to learn more!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">We know that once you begin using online bill payment, you'll love it! In fact, we want you to try it for three billing cycles absolutely FREE. After that, the service costs just $5.00 per month, (charged to your Bill Payment Checking account) including up to 15 transactions. Each additional transaction is just $.35.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Enrollment is easy! If you are already a registered user of Web Banking, you can sign up for Bill Payment online while you are logged into Web Banking. If you're not registered for Web Banking, you may enroll in both services by stopping by your local Harleysville National Bank branch, calling 1-888-HNB-2100, or applying online.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">To use Web Banking or Bill Payment, you must be using Netscape Navigator 4.75 or higher, Microsoft Internet Explorer 5.5 or higher, or a browser that supports 128-bit SSL encryption. All standard overdraft and stop payment fees, procedures and policies are applicable to online bill payments. Three months free offer for a limited time only. Bill payment option available to personal and sole proprietor accounts only.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Web Statement Delivery</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Tired of all of the clutter in your mailbox? Simplify your life with Web Statement Delivery! If you are a registered Web Banking user, you qualify for this FREE convenience service!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">With Web Statement Delivery, you will be able to view your bank statements online rather than receiving them through postal mail. Many people are discovering that electronic delivery of items such as bank statements reduces clutter in their lives and makes organization a snap. No more papers scattered on your desk - and you won't lose your statements, as they will be stored for you online* where you can access them at any time, from any computer with internet access!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">By signing up for Web Statement Delivery, you will no longer receive your Harleysville National Bank and Trust Company banking statements in the mail. Instead, you will receive an e-mail alerting you when your bank statement is available to view online. A link in the e-mail will take you to your login page. You will be able to view any alerts or notices that may have been included in the mailed version of the statement, and you even still will have access to the Account Reconcilement form that is printed on the back side of your printed statement.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Have more questions? Read the Web Statement Delivery FAQ (Frequently Asked Questions)!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Get started now! Simply complete and return our Web Services Action Form - it's that easy! If you're not currently a Web Banking user, you may sign up for that from our Application Center right away!</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-61565918445562293722018-12-21T09:49:00.000-08:002019-01-30T03:47:48.828-08:00Personal Banking: Convenience Services<div dir="ltr" style="text-align: left;" trbidi="on"><h4><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Protect Yourself Against Embarrassing Overdrafts</span></h4><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-2eZ8T0dNQx8/XFGOv3WpSgI/AAAAAAAAAGc/E9QjFgn6m5IrOMlM5JWNzp-n41vmi2_OwCLcBGAs/s1600/9.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="400" data-original-width="708" height="180" src="https://4.bp.blogspot.com/-2eZ8T0dNQx8/XFGOv3WpSgI/AAAAAAAAAGc/E9QjFgn6m5IrOMlM5JWNzp-n41vmi2_OwCLcBGAs/s320/9.png" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Overdraft Protection</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Any of Harleysville National Bank &amp; Trust Company's checking accounts can be linked to an HNB Statement Savings, Money Market, or Line of Credit account (must meet credit criteria) for convenient overdraft protection. Money will be transferred from your linked account to cover any overdrafts. There is a $6/transfer charge for this service from an HNB Statement Savings or Money Market account. Overdraft transfers are FREE from an HNB Line of Credit account. Contact an HNB Customer Service Representative to sign up for this service! </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Bounce Protection®</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Qualified customers who have not registered for our Overdraft Protection Plan are automatically protected from returned checks through our new Bounce Protection® plan.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">You will have peace of mind knowing that, should you become overdrawn, your transactions may be covered up to your assigned limit. If you are currently registered for our Overdraft Protection transfer plan, an overdraft transfer from your linked account will be initiated before your Bounce Protection® limit is accessed. For a more detailed description of how this works, click here. </span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Visa® Check Card</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The Card That Works Like A Check</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The Visa® Check Card is not a credit card, it's a check card, because the money comes out of your checking account - just like a check. Use the card to pay for purchases at millions of locations worldwide where Visa® debit cards are accepted, sign the authorization, and the amount will be deducted from your checking account! Each transaction will be detailed on your monthly account statement.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No I.D. to show.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No waiting for check approval.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Your Visa® Check Card is combined with the power of STAR® and provides even more convenience and purchasing power.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">All for just $1 per month charged to your checking account.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">STAR®: 24-Hour Banking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">With a Harleysville National Bank &amp; Trust Company STAR® card, the bank is never closed. As part of the "PLUS" network, you'll have access to your cash around the country and the world.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Unlimited transactions for only $1/month, charged to your primary STAR® account only. </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Withdraw, deposit, check your balance, or transfer when you want to.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For added convenience, you can link up to any seven accounts you might have, including three checking accounts, three statement savings account and one revolving line of credit!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Direct Deposit</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">FREE And Convenient!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Harleysville National Bank &amp; Trust Company participates in the Direct Deposit of Social Security and Federal Recurring Payments Program. Beneficiaries in one or both of these programs are invited to sign up for this convenient service at any of our offices.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The Benefits of Direct Deposit:</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Prevents your check from becoming lost or stolen.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No more standing in line to cash your check or worrying about getting to the bank before it closes.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Guaranteed deposit of your check on the designated day of each month.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Automatic Loan Payment</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Never Worry About Late Payments Again</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">We can automatically deduct your Harleysville National Bank &amp; Trust Company loan (installment or commercial) or mortgage payment from your HNB deposit account. You won't have to worry about coupons or due dates, and this service is free. It also can mean a ¼% rate reduction on your installment loan. See us for details.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">If you currently have a loan or mortgage with us, stop by any of our offices to sign up for this convenient time-saver!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Get To Know Telephone Banking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Telephone Banking is our convenient, automated bank-by-phone system that gives you access to your accounts 24 hours a day, 7 days a week from any touch-tone phone. Telephone Banking is one more way we can better serve our customers.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">There is no need to register for this service. Telephone Banking can provide you with a wealth of information about your accounts. Just by calling (800) HAR-9300,</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">you can:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Access your checking or savings account balances.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Listen to the last 60 transactions posted to your account.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Make loan payments.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Ask about current activity on your ReserveCash or home equity line of credit.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Check our loan and deposit rates.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Transfer funds (accounts must be registered for funds transfer).</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">All this information is yours simply by picking up the phone! Best of all, this convenient service is free!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Wire Transfers</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Harleysville National Bank &amp; Trust Company offers its customers the very best in wire transfers. We can transmit funds to a receiving bank (in the continental USA) within minutes. International wires are also available.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Travel Currency Services with My Travel Wallet</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Planning a trip to a foreign country in the near future? Let us take the headache out of your foreign currency and travelers cheques needs. By using My Travel Wallet, an affiliate partnership between HNB and the Travelex Group, you can purchase foreign currency and travelers cheques quickly and easily online, and have your purchase shipped to your door in as little as two days. Click Here for more information about My Travel Wallet.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Web Banking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Sign up for Harleysville National Bank &amp; Trust Company's free Web Banking service. View your checking account balances and activity, print a listing of your current transactions, view images of paid checks, place a stop payment, or transfer funds. A convenient Bill Payment option is also available. For more information about this powerful tool, visit the Web Banking section of this website! </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Web Statement Delivery</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Tired of all of the clutter in your mailbox? Simplify your life with Web Statement Delivery! If you are a registered Web Banking user, you qualify for this FREE convenience service!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">With Web Statement Delivery, you will be able to view your bank statements online rather than receiving them through postal mail. Many people are discovering that electronic delivery of items such as bank statements reduces clutter in their lives and makes organization a snap. No more papers scattered on your desk - and you won't lose your statements, as they will be stored for you online* where you can access them at any time, from any computer with internet access!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">By signing up for Web Statement Delivery, you will no longer receive your Harleysville National Bank and Trust Company banking statements in the mail. Instead, you will receive an e-mail alerting you when your bank statement is available to view online. A link in the e-mail will take you to your login page. You will be able to view any alerts or notices that may have been included in the mailed version of the statement, and you even still will have access to the Account Reconcilement form that is printed on the back side of your printed statement.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Have more questions? Read the Web Statement Delivery FAQ (Frequently Asked Questions)!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Get started now! Simply complete and return our Web Services Action Form - it's that easy! If you're not currently a Web Banking user, you may sign up for Web Banking from our Application Center right now!</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-78603879107416630872018-12-21T09:35:00.000-08:002019-01-30T03:51:18.158-08:00Personal Banking: Checking Solutions<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-Yb9ruJgDZJs/XFGPnrYtmZI/AAAAAAAAAGk/tc0YBQRXjS4ffRw5b0cS0C7yAt8Y5hsEwCLcBGAs/s1600/10.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="350" height="320" src="https://2.bp.blogspot.com/-Yb9ruJgDZJs/XFGPnrYtmZI/AAAAAAAAAGk/tc0YBQRXjS4ffRw5b0cS0C7yAt8Y5hsEwCLcBGAs/s320/10.png" width="280" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Most of us can't imagine functioning without a checking account - it's a basic banking necessity. That's why at Harleysville National Bank and Trust Company, we've woven simplicity, savings, and service into our menu of checking options. One is sure to work well for you. With the addition of FREE services like Web Banking, Bounce Protection®, and Telephone Banking, our automated telephone banking solution, HNB checking accounts provide real value! Convenient options like a Visa® Check Card and online Bill Payment are also available. If you're 49 or better, be sure you check out our premiere banking packages: Rewards and Total Rewards!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">To view details about our checking accounts, select an account type from the drop-down box, or scroll down to view all.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">e.Banking - The Ultimate in Convenience!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Who wouldn't like a little more convenience in life? Harleysville National Bank and Trust Company just introduced a new package with free checking and electronic services called e.banking.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">e.banking is free and offers a personal checking account with no minimum balance requirements and all the electronic bells and whistles that today’s consumer can enjoy. It’s for anyone – students, professionals, retirees or anyone who likes to bank electronically.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Account Features:</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free checking with Bounce Protection!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Bill Payment with Web Banking!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Visa Check Card!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Web Statement Delivery - our electronic account statement delivery system* - reduce paper clutter in your life!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Rewards &amp; Total Rewards: </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Premiere Banking Packages for Those 49 and Better!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">You're 49 or better and you're not afraid to ask for what you want. And you've told us what you want from your banking relationship: service, convenience, value and respect. We think Rewards and Total Rewards deliver all of that and more.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">How Can You Join?</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">To join Rewards, just maintain a $100 minimum daily balance in a Harleysville National Bank (HNB) Interest Checking account.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Or step up to Total Rewards. Maintain a combined daily balance of $10,000 in your HNB Interest Checking, Money Market, or Savings accounts to qualify for Total Rewards.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Choose the Premiere Banking Package that's right for you:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Rewards </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The Benefits of Membership are Awesome! Save up to $115 Annually!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No per-check charge. Check images can be viewed online or you may request 24 free check copies annually.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free annual order of select style personalized checks - a $10 value</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free overdraft protection transfers</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Direct Deposit</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No monthly fee Savings or Money Market Account</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No monthly fee Visa® Check Card - a $12 value</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Visa Platinum Credit Card or Visa® Platinum ScoreCard™ Credit Card. No annual fee charged**</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Telephone Banking</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free telephone transfers</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Web Banking with 6 free months of bill payment - a $30 value</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free retirement planning consultation***</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free informational newsletter</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free financial and educational seminars</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Up to ½% off installment loan rate with automatic payment**</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">$50 credit towards mortgage closing costs**</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">50% off annual rental of a 3" x 5" safe deposit box with automatic payment* - an $11 value</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Total Rewards </span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Save up to $275 Annually!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">With Total Rewards, Get all the benefits of Rewards (see above), PLUS:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Option to get check images returned with your monthly statement at no additional charge</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Additional check styles available when ordering personalized checks or get a $15 credit towards a premium style</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No PLUS® system transaction fees charged by HNB - that saves $2 per transaction!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free bill payment with Web Banking - always. A value worth $60 annually</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free investment, will, and estate plan review - priceless!</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Additional $50 credit towards mortgage closing costs (a $100 total value)**</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free safe deposit box up to $50 annually*</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free travelers cheques when purchased in branches</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free bond coupon processing</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Stay Informed on Financial Matters</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">As a Rewards or Total Rewards member, you'll automatically receive our quarterly newsletter filled with Real Life Financial Solutions and entertainment discounts. Additionally, HNB will host educational and financial seminars on various topics of interest to you.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Interest Checking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Combine the benefits of a savings account with all the conveniences of a checking account... a real dynamic duo! The account earns interest (rate subject to change daily), so even money on deposit for a short period of time works for you.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">We give you five ways to avoid a monthly service charge on your Interest</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Checking account! Just maintain one of the following balances:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $500 in your Interest Checking account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Average monthly balance of $1,500 in your Interest Checking account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $1,000 in your Statement Savings account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $2,000 in your Checking and Money Market account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $8,000 in any combination of Checking, Statement Savings or Money Market accounts.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">We automatically check all options for you each month. If none of the above minimums are met, the service charge will be as follows:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Just $5 per month and we'll store your cancelled check images for you! You can view images online anytime or request copies from us; OR</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">$7 per month if cancelled check images are returned to you with your</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">statement.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Your account will continue to earn interest should the balance fall below</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">any minimum. Fees could reduce account earnings. (If overdrawn, the account earns no interest.)</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In addition, you will receive the following:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No Per-Check charges: Write as many checks as you like.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Our monthly service charge, if applicable, is assessed once per month, regardless of the number of times the balance may drop below the minimums.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Regular Checking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Designed to give you ample opportunity to avoid a monthly service charge. Maintain just one of the following balances and a monthly maintenance fee will not be assessed on your account:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $300 in your Regular Checking account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Average monthly balance of $1,000 in your Regular Checking account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $500 in your Statement Savings account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $1,000 in your Checking and Money Market account; or</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Minimum daily balance of $4,000 in any combination of Checking, Statement Savings or Money Market accounts.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">We automatically check all options for you each month. If none of the above minimums are met, the service charge will be as follows:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Just $4 per month and we'll store your cancelled check images for you! You can view images online anytime or request copies from us; OR</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">$6 per month if cancelled check images are returned to you with your statement.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">In addition, you will receive the following:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No Per-Check charges: Write as many checks as you like.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Our monthly service charge, if applicable, is assessed once per month, regardless of the number of times the balance may drop below the minimums.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Thrifty Checking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No minimum balance requirement.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Low monthly fee of just $2.50.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Up to 8 checks posted against your account per statement cycle at no charge (After the first 8, the charge will be $.50/check).</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Account features check image safekeeping (cancelled check images are stored at the bank). You may view your check images at any time online using Web Banking, or if you prefer you may request copies from us.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Senior Checking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Harleysville National Bank prides itself in its service to and concern for our senior citizens. We currently offer our customers 60 years of age or better:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free non-interest Checking account with direct deposit and check safekeeping.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free annual order of personalized checks, select style.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Web Banking with optional three free months of Bill Payment.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Telephone Banking.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No Per-Check charges: Write as many checks as you like.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">And Don't Forget...</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">VISA® Check Card</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">No checking account is complete without the convenience of a Visa® Check Card. The Visa® Check Card is not a credit card, it's a check card because the money comes out of your checking account, just like a check. Use the card to pay for purchases anywhere Visa® debit cards are accepted; sign the authorization slip and the amount will be deducted from your checking account. You can even use your Visa® Check Card for many online purchases. Your Visa® Check Card is combined with your STAR® card providing even more convenience and purchasing power for only $1 per month charged to your checking account.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Web Banking</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Sign up for Harleysville National Bank and Trust Company's free Web Banking service. View your checking account balances and activity, print a listing of your current transactions, view images of paid checks, place a stop payment, or transfer funds. A convenient bill payment option is also available. Try our convenient Web Banking Demo, then contact us to initiate this service for you or apply online!</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-71178147082119733082018-12-21T09:32:00.004-08:002019-01-30T03:53:25.053-08:00Harleysville National Bank Expands Branch Locations<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-UfydkZgl1Lc/XFGQHwdZx4I/AAAAAAAAAGw/sflckGWnjZAGbKyzxMrq4v7458mpb-HqACLcBGAs/s1600/11.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="350" data-original-width="423" height="264" src="https://4.bp.blogspot.com/-UfydkZgl1Lc/XFGQHwdZx4I/AAAAAAAAAGw/sflckGWnjZAGbKyzxMrq4v7458mpb-HqACLcBGAs/s320/11.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">As of March 29, 2018, Harleysville National Bank and Trust Company (HNB) customers are able to bank at 41 locations, in 10 counties, throughout Eastern PA. This expansion is a result of Harleysville National Corporation (the parent company of HNB) combining the charters of its three subsidiary banks: HNB, Security National Bank (SNB), and Citizens National Bank (CNB). All three banks will now be known as Harleysville National Bank.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The addition of SNB branches, which were headquartered in Pottstown, and CNB branches, headquartered in Lansford, gives customers from all three subsidiaries the ability to bank throughout Eastern Pennsylvania. Many more customers can now bank where they live, work, and travel.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">By summer of 2018 HNB will expand yet again, to 45 branches. Harleysville National Corporation is in the process of acquiring Millennium Bank, headquartered in Malvern, Pennsylvania, and its wholly-owned subsidiary, Cumberland Advisors, Inc. When this acquisition is complete, four additional branches will be added, in Malvern (2), Blue Bell, and Wyomissing.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Visit our Hours and Locations page to see the many new branch locations available to our customers, as well as the hours and directions for each branch! </span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-31731026245552992302018-12-21T09:31:00.003-08:002019-01-30T03:57:09.478-08:00Reduce Risk of Identity Theft with Web Banking!<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-WXc4UTIij4A/XFGRA7nKWCI/AAAAAAAAAG4/CGrIu-jz9agLIuBdTfxfu52pPqnK3UahQCLcBGAs/s1600/12.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="360" data-original-width="480" height="240" src="https://4.bp.blogspot.com/-WXc4UTIij4A/XFGRA7nKWCI/AAAAAAAAAG4/CGrIu-jz9agLIuBdTfxfu52pPqnK3UahQCLcBGAs/s320/12.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">You've heard it before - use online banking to make your life easier. 24 hours a day, 7 days a week, you can check your account balances and activity, transfer funds, place a stop payment and more--all from the comfort of your home or work. It sounds great, but you've just never tried it.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">But did you know that using Web Banking can help reduce your risk of identity theft? Since Web Banking gives you the opportunity to access your accounts 24 hours, 7 days a week, you can monitor your account for any suspicious activity. Customers who are checking balances and account activity online frequently are able to not only identify suspicious activity faster but also take action faster - increasing the chance that fraudulous activity is stopped and the perpetrator caught.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">You can further reduce the risk of becoming a victim of fraud by using Web Statement Delivery. Web Statement Delivery stops the delivery of your monthly banking statement through postal mail. Instead, you will receive an email once a month letting you know that your statement is available for viewing online through Web Banking. This helps to protect you by keeping your personal and acccount information out of mailboxes and trash cans where criminals can steal it!</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">To encourage our customers to try banking online, HNB has recently introduced a wonderful new banking package that combines all of these online banking features. This package, e.Banking, is free and offers a personal checking account with no minimum balance requirements and electronic services that today’s consumer enjoy.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">e.banking Features:</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free checking with Bounce Protection</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Web Banking</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Online Bill Payment</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Visa® Check Card</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Free Web Statement Delivery</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Anyone who likes to bank electronically and recognizes the many benefits of Web Banking should take advantage of this free package! It’s one more way you can conveniently do your banking and also protect yourself from identity theft.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-47843461654622571732018-12-21T09:30:00.001-08:002019-01-30T03:59:06.814-08:00Late payments<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">A late payment is reported by the creditor to the Credit Bureaus when you are 30 or more days late. There are 5 ways a bureau may record a late payment: 30, 60, 90, 120, &amp; 190 day late. The longer the late the worse the impact on your credit score. Each month’s lateness will count as a new late mark affecting your score negatively each time.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-VjRflKw2W-A/XFGRZhAMzTI/AAAAAAAAAHE/KCL_LXR0RvQAftj3ggEDcV9wVzycfyWbQCLcBGAs/s1600/13.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="600" height="200" src="https://2.bp.blogspot.com/-VjRflKw2W-A/XFGRZhAMzTI/AAAAAAAAAHE/KCL_LXR0RvQAftj3ggEDcV9wVzycfyWbQCLcBGAs/s400/13.jpg" width="400" /></a></div><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Payment history is the most important factor when it comes to a good credit score. Our solution for late payments is to remove these negative marks from the creditor and/or third party records along with credit bureau files, resulting in a complete and permanent resolution.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">If your payment is due on the 1st, and you are 20 days late, this would not get reported to the credit bureaus and should not affect your score. Although it will get recorded on the creditor’s internal records and affect your interest rate and relationship with them in addition to excessive late fee penalties.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The credit rating of someone with great credit (700-850) will be affected less significantly by a rare 30 day late payment than of someone who has consistent late payments and derogatory marks and is already on the low side of (450-680). A person who is consistently on time and has a proven track record along with more positive accounts which out weight the one rare negative mark.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Regarding collection accounts, our solution is to remove these negative items from the collection company and/or third party records along with credit bureau files, resulting in a complete and permanent resolution. In addition we permanently and quickly stop all the harassment calls and letters.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Here is some extra info:</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">• The original creditor may charge off (sell) your account after 6 months of non-payment.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">• Negative accounts / items are reported to the credit bureaus by way of UDF (Universal Data Form.) Which is a form the creditor, collector or attorney completes in order to report your account to the credit bureaus.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">• If collection account is not paid, the collector or creditor can sue you in court and may be awarded a judgment, garnishment of salary, or freeze of bank accounts.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Collection accounts are accounts which have been sold or transferred by the original creditor to the third party collection company or attorney collectors. In such cases the debt no longer belongs to the original creditor and is considered “charged off”. In some cases the original creditor may have their own internal collection department, but this is not very common.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Despite a collection account being paid or settled reflecting a $0 balance, if the actual rating of this account is marked “paid collection” or “settled collection” it will affect the score negatively. So not only does the credit scoring system rate you on what you owe, but also on the status of the account.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-72975744291893318642018-12-21T09:28:00.002-08:002019-01-30T04:03:10.671-08:00Online Lender Portals And How They Operate<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-MumlJvk6J9Q/XFGSaaNBTsI/AAAAAAAAAHM/gJ9T1FDi4HY7X2pgQUXci8TTahzn6SDNwCLcBGAs/s1600/14.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="288" data-original-width="520" height="177" src="https://1.bp.blogspot.com/-MumlJvk6J9Q/XFGSaaNBTsI/AAAAAAAAAHM/gJ9T1FDi4HY7X2pgQUXci8TTahzn6SDNwCLcBGAs/s320/14.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Online payday loans are a great solution for many people who either cannot get out of the home or are too busy. They offer solutions for quick deposits into ones checking account in as little as 24 hours. It is not uncommon for people to live from paycheck to paycheck, which is why the payday loans can be very beneficial.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">It is important to conduct a little research in the company, before filling out all the information. There are several companies online which do payday loans, knowing their terms up front is essential. You will need to complete an application. The application is going to ask for specific information, which is advisable to have beforehand. The items needed for an application area: driver’s license or state id, pay stub, bank statement and 10-15 minutes of time.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Depending on the company will depend just a bit on their process. Usually, after the application is filled out, you will receive an email or a phone call. Most companies are going to want the information faxed over to them as proof, before they make the transaction. If you’re approved, meaning you have passed their background checks, then they will continue the process.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Be advised that even though these loans are no credit check, they do run checking account verification. Using a third party system, they will see if the person who is applying for the loan has had a history of writing bad checks or a history of messing up checking accounts. If you have had problems this could be one way to be turned down for a loan.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">After they have asked for the verification, they will communicate how much and when it is due. The terms are usually due by the next pay period. However, there are a few companies that do offer specials to get a payday loan with them. It is not uncommon to see 21 days for first loans or even 30 day lending.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">There are a few companies online, which do offer longer terms, but they will vary. The interest rates are usually the same for all of them, as they are governed by the rules and laws for their area.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The entire process of getting a payday loan is not difficult. Once approved, an online company will deposit the funds into your checking account, within 24 ours. It is not uncommon to see companies offering to put money in the account on the same day. A payday loan can be very beneficial to those who need cash in a hurry. Used properly they can help get out a crunch in-between paydays.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-36698612223914140172018-12-21T09:24:00.001-08:002019-01-30T04:08:39.022-08:00THE TOP LENDERS<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Payday loans is a very controversial topic recently because critics argue that the lack of regulation leads to unscrupulous lenders taking advantage of the most distressed borrowers.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-gWCMuvYKtB4/XFGTlyMmcKI/AAAAAAAAAHU/az_fMFpX0YIa_M8znwchIR42X3eexpg-wCLcBGAs/s1600/15.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="180" data-original-width="280" height="205" src="https://3.bp.blogspot.com/-gWCMuvYKtB4/XFGTlyMmcKI/AAAAAAAAAHU/az_fMFpX0YIa_M8znwchIR42X3eexpg-wCLcBGAs/s320/15.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-size: 13px; white-space: pre-wrap;">In fact the main advantage of these short-term loan can become a major issue if they are not used properly.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Indeed the benefit of payday loans are that it is very easy to obtain one as long as you are employed and receive a regular pay check. If so anyone can fill an application online and receive cash directly transferred into his account, usually the same day, often in just a few hours. And this is true even for people with a bad credit history as no credit check is conducted. So for example even people who are barred from getting a credit card or people who have filled for bankruptcy could get a quick cash advance this way.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">It sounds good and at the core there is nothing wrong with payday loans. It should be used by people who have a sudden need for cash like a medical bill, who have not enough cash now but will get cash soon from their employer. The problem is that a number of users are households which are already financially distressed and opponents say that these credits make the situation worse because of very high rates.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Yes the cost is higher than other forms of borrowing, but this is understandable given that no credit history is necessary plus it is nearly instantaneous. This solution should only be used by people who earn money, are financially balanced but have an unforeseen need for a few hundred dollars or pounds. Not by people who are on the cusp of poverty with no understanding of how to balance their own personal books.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Because you do not want to miss a payday loan payment, as this is how fees and added cost start to compound. Let’s say someone does not pay on time, so now he may use another payday loan just to pay for the first one, and he will have to pay in total twice the fee, so he needs to reimburse even more. If this continues to happen there is a snow ball effect where his debts keep on rising. And if he uses multiple lenders and multiple loans, plus other loans like car loans or personal credit, then you see the picture.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For all the above we have created this site, because it is clearly important to only use the top of the class lenders. You do not want to be charged hidden fees and you want to be able to speak to someone in case of a problem. This is what the best lenders provide. Do not use any operator except the best ones and your borrowing experience will be a walk in the park.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-5004868770223566542018-12-21T08:52:00.002-08:002019-01-30T04:10:46.652-08:00Retirement Plans For The Self Employed<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-roCM53Afxxk/XFGULUK0cLI/AAAAAAAAAHc/vnBiVnY_QEMFgOv9_1s4idZanQmI6mcywCLcBGAs/s1600/16.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="700" data-original-width="1000" height="280" src="https://1.bp.blogspot.com/-roCM53Afxxk/XFGULUK0cLI/AAAAAAAAAHc/vnBiVnY_QEMFgOv9_1s4idZanQmI6mcywCLcBGAs/s400/16.jpg" width="400" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Being self employed has many benefits. However, it also has drawbacks. One challenge many self employed people face is retirement. Without a company to provide for them, entrepreneurs must form their own retirement plans. Here are some of the best retirement plans for the self employed.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>SEP IRA</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Simplified Employee Pensions (SEP IRAs) are simple, but they can get the job done. With a SEP IRA, self-employed people can contribute up to 25% of their net income, with a $49,500 (2011 numbers). Since all SEP contributions must be made by the employer, this is only the net income from being self-employed, not from a second job at a company. The reports required for a SEP IRA are fairly simple, which will save an entrepreneur precious time. Unfortunately, the SEP IRA does not have a Roth option.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Solo 401(k)</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The Solo 401(k) is slightly more complicated than the SEP IRA, but it also have some added benefits. Solo 401(k)s are limited to business owners and their spouses. Through the individual contributions and company matches, business owners can reach the same ceiling that the SEP IRA has. For business owners over 50, this is actually increased by $5,000. A loan can be taken out against one’s Solo 401(k), but this is rarely advisable due to interest and fees. The Solo 401(k) is simple to set up, and many financial institutions charge less than $100, if anything, to create one.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>SIMPLE IRA</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SIMPLE IRA, also called the Savings Incentive Match Plan for Employees IRA, is extremely easy to create. It should take anyone about 20 minutes. The SIMPLE IRA is a great way for anyone who owns a business to provide for their own retirement, as a self-employed entrepreneur, as well as their employees’ retirement. It has much lower limits than the SEP IRA and 401(k). In 2001, the maximum contribution was $11,500. For those over 50, it increased to $14,000.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The SIMPLE IRA is suitable only for small, but financially well-grounded companies. Any business that offers this to its employees must match the employee contributions. Typically, this has been a 100 percent match on up to three percent of the employee’s pay. It also is not available to anyone who has another retirement account, such as a 401(k) at a day job.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Other Investments</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">When considering retirement plans for the self employed, one must not exclude traditional retirement plans. Traditional IRAs, Roth IRAs, annuities and other investment accounts can all play an integral role in one’s overall retirement. The above plans offer many advantages over personal ones. Matches can be made by one’s company. Some plans have high contribution limits. The SIMPLE IRA does not have an income limit. However, entrepreneurs must not forget to also consider personal retirement accounts as well.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">By understanding these plans, the self-employed individual can prepare for retirement. It may seem daunting, but retiring is possible. Anyone needing assistance in planning has many resources to help them learn about self employed retirement plans. There are tax-advantageous plans to help entrepreneurs along the way.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-42530066842626479202018-12-21T08:46:00.003-08:002019-01-30T04:16:38.499-08:00Annuity Retirement Plans<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-WP1Cd-YhomE/XFGVhISXxlI/AAAAAAAAAHo/jhcqAtyO3xQ6O2-Vqw6FQi3yrc7KJ_ldgCLcBGAs/s1600/17.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="446" data-original-width="700" height="203" src="https://2.bp.blogspot.com/-WP1Cd-YhomE/XFGVhISXxlI/AAAAAAAAAHo/jhcqAtyO3xQ6O2-Vqw6FQi3yrc7KJ_ldgCLcBGAs/s320/17.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">When I started researching I did not realize that annuities still existed. Below I have put together some research as I develop my own personal retirement plan. Feel free to learn below, but realize I am a novice who is researching not a seasoned veteran with this investment product.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Annuities can play a significant role in a retirement plan. In the unsettled world of finance, they promise a return and source of regular income. By understanding what they are and how they work, people can use annuities to stabilize their retirement plan.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Annuities</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Annuities are, in essence, contracts. In an annuity, the individual agrees to pay the premium for a specific period of time. After that time, the insurance company agrees to pay the individual a specific amount for a specific period of time. There are four primary items to look at in an annuity: the premium, the length the premium is paid, the interest rate and the period paid back to the individual.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">There are two types of annuities. Both of them offer an interest rate, but the rate will differ significantly, as will the risk. Fixed-rate annuities are typically invested in secure bonds, government treasuries and good corporate debt. These promise a specific interest rate. With variable-rate annuities, the return can vary. This is because they are invested in riskier stocks, usually. However, even variable rate annuities often promise a minimal return.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Low Risk </b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">One major attraction of annuities is their extremely low risk. Even variable annuities promise a minimum return, so individuals’ money is not completely lost. This cannot be guaranteed if one invests in the stock market.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">When investing in annuities, the greatest risk is the insurance company’s bankruptcy. If the company providing the annuity fails, then the investment will be worthless. For this reason, people should at least diversify the insurance companies they have annuities with. This is an extremely unlikely scenario, but it is possible.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Regular Income</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Many people who invest in annuity retirement plans are looking for a regular source of income when they retire. Investments in stocks, bonds, gold and real estate are unknown. They may go up. They may go down. What is known is they will not send a regular check in the mail.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">With annuities, people receive a check regularly, which they can plan on. Even rental income cannot be guaranteed. One month’s rental income could be cancelled out by a broken appliance. Yet, annuities provide a hassle-free source of income. This allows retirees to have peace of mind, and it can be helpful when budgeting.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Stability</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Annuities also provide a stability not seen in many other investments. Investments in the stock market are volatile, as are many others. They go up and down. Daily, the news reports on the stock market’s activity. It is difficult to find an investment that is not closely linked to the markets, but annuities provide a buffer. Even the returns received from variable annuities invested in stocks are not completely linked to the market.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Annuities have a role in retirement plans. They are not a get-rich-quick investment and will not double overnight. Annuity retirement plans are meant to provide stability, safety and security. Sure, everyone would like to earn a million dollars immediately. But, reality is that rarely happens. People who want a secure retirement, where they can live comfortably without worry, should consider annuity retirement plans.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-77632333723969110852018-12-21T08:34:00.004-08:002019-01-30T04:18:10.525-08:00Qualified vs. Non-Qualified Retirement Plans<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">As I started asking questions about retirement, I kept on hearing terminology like Qualified vs. Non-Qualified plans and I had no clue what the terms mean. Read below if you are trying to figure out the difference.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-OJYK-xMaU2k/XFGV6r4N31I/AAAAAAAAAHw/UWvCxolcTbwAhsdnimmZ-TdqKbJqpvbrACLcBGAs/s1600/18.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="368" data-original-width="500" height="235" src="https://3.bp.blogspot.com/-OJYK-xMaU2k/XFGV6r4N31I/AAAAAAAAAHw/UWvCxolcTbwAhsdnimmZ-TdqKbJqpvbrACLcBGAs/s320/18.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Retirement plans are a critical component of any savings strategy, and many people rely on their employer-sponsored retirement plan. Plans provided by employers fall into two classes: qualified and nonqualified.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">While the rules in the International Revenue Code (IRC) and Employee Retirement Income Security Act of 1974 (ERISA) are technical and detailed, they can be summarized. If, a plan does not discriminate among employees, then it is qualified. “Qualified,” meaning it qualifies under the law for tax advantages. Nonqualified plans do not meet the specifications, because they do not treat all employees equally. Often, nonqualified plans are offered as benefits to senior members in a company, while entry-level workers do not have access to these savings plans</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Qualified Retirement Plans</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Qualified retirement plans, those that meet the government’s requirements for tax advantages, offer three benefits to participants. First, contributions made can be deducted from taxes in the year they were made. Secondly, employees can delay listing contributions to and earnings from the plan as taxable income, until they are withdrawn. Third, paying taxes on these contributions and earnings can usually be further delayed by rolling the account into another tax shelter, such as an IRA.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">There are two types of qualified plans. The first is known as a defined benefit plan. The second is commonly referred to as a defined contribution plan.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Defined benefit plans are named such, because the benefit to be paid is a known, definite, amount. In this type of qualified retirement plan, the employer is responsible for managing the investments. It is the employer’s responsibility to handle the risk involved with investing, grow the investment and pay the amount promised. The benefit usually is determined from tenure, salary and age. The most common type of defined benefit plan is a pension.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">A defined contribution plan is still a qualified plan, but it works differently than a defined benefit plan. With a defined contribution plan, the contribution is known. The benefit, or eventual value, however is unknown. In this type of plan, the responsibility usually lies with the employee. There is usually an option to contribute and a variety of investments to choose from. Employees have freedom in these plans, so they must also bear the responsibility of profit or loss. 401(k)s, 403(b)s, profit sharing and money purchase are all examples of defined contribution plans.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Nonqualified Retirement Plans</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">There is a wide array of nonqualified retirement plans. These are all devised to compensate specific employees. Often, they are part of a higher position’s benefit package and used to attract the best upper-level employees available. Because there is more freedom for companies to customize these to their needs, the government does not extend tax advantages to nonqualified retirement plans.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Whether an employee has a nonqualified or qualified retirement plan is rarely an individual choice. However, understanding which type of plan an employer offers can help the employee make wise decisions. It helps in the evaluation of an employee’s benefit plan, and it is necessary for wise retirement planning. Knowing how taxes impact one’s investments can significantly impact a retirement account.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-69943349469340979672018-12-21T08:27:00.002-08:002019-01-30T04:20:37.717-08:00IRA Retirement Accounts<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-dzxzjpUeRTM/XFGWbbbUC5I/AAAAAAAAAH4/_jluSPQ1m7Iwh4FFc6ctAf5Q3TnEoO5AQCLcBGAs/s1600/20.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="183" data-original-width="275" height="212" src="https://1.bp.blogspot.com/-dzxzjpUeRTM/XFGWbbbUC5I/AAAAAAAAAH4/_jluSPQ1m7Iwh4FFc6ctAf5Q3TnEoO5AQCLcBGAs/s320/20.jpg" width="320" /></a></div><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For many years I had heard about 401(k)s, IRA’s and the like, but was never sure of what they meant until I started this project. Use my research below to put you further along in your journey as well.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">When saving for retirement, people are can choose from an array of investment vehicles: 401(k)s, 403(b)s, IRAs, savings accounts, brokerage accounts and others. Of these, the IRA is one of the most utilized investment accounts. These are five advantages of Traditional IRAs.</span><br /><b><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For Anyone</span></b><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Anyone can open an IRA. Many investment accounts are restricted to a specific demographic. 401(k)s are only available to employees of companies that offer them. 403(b)s are only available to non-profit employees, clergy and public school teachers. This is not true with an IRA. IRAs can be open by everyone.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Tax Deductible Contributions</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">For most people, the contributions made to an IRA can be deducted from that year’s taxes. This is dependent upon income, and is not true for the extremely wealthy. However, the majority of Americans can deduct their IRA contributions. To avoid wrath from the IRS, everyone should check with a professional tax advisor before taking these deductions.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Defer Taxes</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Taxes are only paid when money is withdrawn from an IRA. This is one of the major reasons to save for retirement in an IRA, instead of a standard brokerage account. The contributions made to it are not taxed when they are made. Growth is not taxed either. For decades, a nest egg can grow tax-free. It is only taxed when withdrawals are made.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">NOTE: This is the major difference between Traditional IRAs and Roth IRAs. The above applies to Traditional IRAs only. When investing in a Roth IRA, taxes are paid on the contributions, but not when money is withdrawn. In a Roth IRA, money can grow for years, and tax is not paid on it. Which is more suitable for an individual often depends on one’s age. Consulting a professional investment advisor can help people decided if a Traditional IRA or Roth IRA is more appropriate for their situation.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Withdraw Before 60</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The standard retirement age has been 65 in recent years, although it is slowly being moved back. With an IRA, people do not need to wait until 65 to withdraw their earnings. At 59 ½, money can be withdrawn without a penalty. (Withdrawals before that age incur a 10% penalty). For people who want to retire early, IRAs can be very attractive.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Flexible</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">IRAs offer the greatest flexibility of all tax-sheltering investment accounts. Unlike 401(k)s, which cannot hold individual stocks, or 403(b)s, which have strict restrictions, IRAs can hold a variety of investments. People can use IRAs to hold individual stocks, bonds, certificates of deposit (CDs) and other common investments. While employer-controlled accounts offer many advantages, they do not have the flexibility of an IRA.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">There are few reasons not to have an IRA. Saving for retirement is important, and they are the IRS’s way of encouraging all Americans to save for the future. In an IRA, people’s savings are sheltered from taxes. The specific way is determined by the format of the IRA. With an IRA, people can invest how they want to. Everyone should consider having an IRA.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.comtag:blogger.com,1999:blog-1536222233346883145.post-56094967176022379012018-12-21T08:22:00.000-08:002019-01-30T04:23:03.382-08:00Early Retirement Planning<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Early retirement is the dream of many. I wanted to learn the steps on how to get there. Below I have put together 5 steps in the journey.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Retiring early is an attainable goal, which many people want. However, it does not happen magically. Only those who carefully plan for and work towards an early retirement will be able to stop working early. Here are five steps that can help people retire early. The first two are not financially related, but are necessary. The other three are financially geared.</span><br /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-yJyvWoF2XMY/XFGXAS_yr7I/AAAAAAAAAIE/pSdFLRwjzjgNmbHvdfTCQJHjhmgnb1asQCLcBGAs/s1600/21.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="490" data-original-width="700" height="280" src="https://3.bp.blogspot.com/-yJyvWoF2XMY/XFGXAS_yr7I/AAAAAAAAAIE/pSdFLRwjzjgNmbHvdfTCQJHjhmgnb1asQCLcBGAs/s400/21.jpg" width="400" /></a></div><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Step 1: Determine A Goal</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">What is early retirement? Before anyone can work towards it, they must first define what it is. For some people, retiring early would mean not working after 60. For others, it would be ending their career at 45. Whatever it is, it must be defined. A vague idea, “I want to retire early,” is hard to achieve. A concrete goal, on the other hand, can be sought. Progress towards it can be measured.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Step 2: Develop Discipline</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">A goal will only be achieved through discipline and hard work. One the age of early retirement is determined, people must work towards it. This is done through saving, which requires discipline. The next step is to learn about the different methods of saving, or developing a plan. This is helpful, but no savings plan saves. People save, if they are disciplined.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Step 3: Create a Plan </b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Having a plan, or strategy, for saving is necessary. Here is where the financial aspect of early retirement begins. The adages, “Work smarter, not harder,” and, “Make your money work for you,” are essential to the early retiree. To grow as large an income stream or nest egg as possible, early retirees must understand the available investment options. Understanding the differences between an IRA, Roth IRA, 401(k) and brokerage account are important. Also, the types of investments, stocks, bonds, mutual funds, real estate, must be comprehended. Only after being well-versed in these financial investments, can someone earn as much as possible, as quickly as possible.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Step Four: Multiple Income Streams</b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">The simplest understanding of a retirement account is a nest egg. It is a large sum of money, which is meant to meet one’s financial needs during retirement. However, amassing a large enough nest egg by the hoped-for retirement age can be a struggle.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Many early retirees rely on supplemental income, in addition to their nest egg. Having multiple income streams lowers the level of assets required for retirement. Their diversity also reduces risk. There are many possible sources for income: rental properties, business ownership, royalties, annuities and others.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;"><b>Step Five: Reduce Expenses </b></span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Retiring early is nearly impossible, if one’s expenses are high. By lower expenses, the household cash flow’s stress is greatly eased. The quickest way to reduce expenses is by paying off debt. For the average family, a mortgage, credit card payments, car payments and student loans account for most of a month’s expenses. If these can be eliminated, then the need for income is greatly reduced.</span><br /><br style="background-color: white; box-sizing: border-box; color: #111111; font-family: -apple-system, system-ui, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, sans-serif; font-size: 13px; white-space: pre-wrap;" /><span style="background-color: white; color: #111111; font-family: , , &quot;blinkmacsystemfont&quot; , &quot;segoe ui&quot; , &quot;roboto&quot; , , &quot;ubuntu&quot; , &quot;cantarell&quot; , &quot;helvetica neue&quot; , sans-serif , &quot;apple color emoji&quot; , &quot;segoe ui emoji&quot; , &quot;segoe ui symbol&quot; , sans-serif; font-size: 13px; white-space: pre-wrap;">Many people want to retire early, but there are generally three things that hold people back from doing it: a lack of discipline, a lack of knowledge and a lack of discipline. Early retirees are disciplined savers. They are wise investors. They are disciplined spenders. Anyone who wants to retire early should focus on these two areas. First, develop discipline and control. Second, learn how to invest.</span></div>Brendanhttp://www.blogger.com/profile/12457040979972570935noreply@blogger.com