I am going on a three week trip to Pennsylvania, where my local bank from West Michigan is not present. I will get money when I get there, which needs to go into my account, but there are no Huntington National Bank ATMs or branches out there. Can I use a different bank's ATM with my Huntington ATM card and make a deposit? I know there would probably be charges involved, but I need the money in there for bills! Please help - any other ideas are appreciated as well!
Is there a way to get money into my bank account from a different bank?
Yes, you can use their ATM although they may charge a dollar or two. You can carry travelers checks also. If you need to transfer money you can have your bank wire some money to a new account in the bank where you are going.
Reply:An ATM will probably work fine. I would check with the owning bank to see how the credit would be handled. If all else fails, snail mail will work; just mail a deposit to your favorite bank.
Reply:As long as both banks are on the same ATM network you can get money
Reply:I would think any ATM that will do deposits should be able to. It's like going to a different banks ATM to take out money. You will just get charged by their bank and your bank for the transaction. You would just follow the ATM's instructions on deposting money.
Reply:Do a wire transfer. You usually can't deposit money into an ATM at another bank.
Reply:to be on the sure side and to ease your mind now -- just do a wire transfer from any back in pa!!!
Reply:If the money you get is cash, then u can buy a convenience store money order and send it with a deposit slip to your bank in Michigan. If you get your money in the form of a check , just endorse it and send it with the deposit slip. Both of those are lo cost. If you have a friend with an account in Penn, then you can just give them the check you receive and have him/her wire the amount to your Mich bank. A bit higher cost.
Reply:You can always do a bank wire transfer.
floral shops
Wednesday, March 17, 2010
When should I transfer money from my savings account to my checking account?
When I get paid, my employer directly deposits my paycheck into my checking account. I was wondering if it's wise to transfer some of my paycheck money to my savings account. I'm a college student who goes to the ATM every week or two. I don't need money for food since I'm forced into the school meal plan. I know my money will be fine in my checking account, but I'm not sure if I can keep track of my money and make sure I actually SAVE my paycheck rather than squandering it all because I see that there's money I can take out of an ATM. Help?
When should I transfer money from my savings account to my checking account?
Transfer all you do not need into a savings account.
I would suggest an online savings account.
There are a lot of good ones out there offering 5% or better.
Here's a few to look into...
https://www.fnbodirect.com/01d/html/en/ currently paying 6.00%APY
https://www.emigrantdirect.com/EmigrantD... currently paying 5.05%APY
http://www.hsbcdirect.com/1/2/1/offer?co... currently paying 5.05%APY
All of these are safe and FDIC insured up to $100,000.
Transfers usually take 2-3 business days each way.
Reply:i believe the first person that should be paid is yourself so when you receive a paycheck take a set amount and transfer it to savings -- bear in mind you have an unlimited number of monthly transfer into savings but most limit withdrawals to a certain amount before charging fee!!!
Reply:You can specify a certain amount of your pay check goes to checking and some goes to savings.
Check with your employer. They have a form that you can fill out.
Reply:If the money is not needed in your checking account for payment of bills, then I would transfer most of it into your savings account. That way it's earning interest.
When should I transfer money from my savings account to my checking account?
Transfer all you do not need into a savings account.
I would suggest an online savings account.
There are a lot of good ones out there offering 5% or better.
Here's a few to look into...
https://www.fnbodirect.com/01d/html/en/ currently paying 6.00%APY
https://www.emigrantdirect.com/EmigrantD... currently paying 5.05%APY
http://www.hsbcdirect.com/1/2/1/offer?co... currently paying 5.05%APY
All of these are safe and FDIC insured up to $100,000.
Transfers usually take 2-3 business days each way.
Reply:i believe the first person that should be paid is yourself so when you receive a paycheck take a set amount and transfer it to savings -- bear in mind you have an unlimited number of monthly transfer into savings but most limit withdrawals to a certain amount before charging fee!!!
Reply:You can specify a certain amount of your pay check goes to checking and some goes to savings.
Check with your employer. They have a form that you can fill out.
Reply:If the money is not needed in your checking account for payment of bills, then I would transfer most of it into your savings account. That way it's earning interest.
How much more money will I receive if I am married in the military?
Hey everyone. I have been dating my girlfriend for three years and I am looking to go into the military. I have been discussing marriage with her because then she can live on base with me. How much money will I receive if I am active military and I am married? Information about anything associated with this topic will be awsome. Thank you everyone.
How much more money will I receive if I am married in the military?
Not that much. The only differences are
1) You qualify for military housing or BAH w/dependents instead of living in barracks. The rate is slightly higher.
2) When deployed or in training for longer than 30 days you get Family Separation of $250.
3) If you stationed OCONUS then the COLA (Cost of Living Allowance) will be higher becuase again you aren't living in barracks and there is more than you. It is based on time in, rate/rank, # of dependents and if you live in barracks or not. For CONUS COLA that is a set amount for your rate/rank and it doesn't matter if you have dependents or not. Most major bases in the CONUS don't qualify for it. It is more for places where there isnt as much base facilities like commissary, exchange, etc....
4) Your Federal Income Tax deductions can drop because you are married and filing jointly.
5) BAS is food allowance and is for the AD member only! It is $294 for enlisted. It doesn't matter if you are married or not. If you are single you are eating in the mess so it is deducted from your pay each month. If you are married then it may not be deducted but it can depend on the branch and where you are. For the Navy the only time it isn't deducted is if you are on Shore duty or the ship's galley isn't operational. Otherwise all but $40 is taken out each month whether you eat there or not.
There is no other extra money or Spouse allowance or anything else for being married. So if you live in military housing in the 48 states and are home every night there is nothing more in your pay but the extra money from taxes.
Reply:In the Air Force, your rank and time in service (basic pay) will not be affected by being married. However, you can receive BAQ (basic allowance for quarters) or base housing (if it is available) when you are married. In addition, you will receive BAS (can't remember what it stands for???) but it is basic allowance to food. Also, in some areas, you might receive a cost of living allowance, but that is usually only given in places where the cost of living is over-inflated. Hope this helps a little, and good luck for the future!
Reply:you get either on post housing free then your food allowance of like 250 per month. If you live off post you get housing allowance based on rank and area. You can look it up on the net.
Reply:Check this out....this should help ;-)
http://www.dod.mil/cgi-bin/rmc.pl
Reply:Hey slow down and take a look at these options.
your pay depends on your rank when you enter active duty. And also if you are married or single at the time of entry.
Are you enlisting with any rank such as PFC, or comming in as an officer, or starting at the bottom as a private or airman depending on which service you join.
All of that plays a factor in what your pay will start out as. below is the site where you can go and see the military pay scale for fical year 08.
Now lets address the housing issue.
Lets say you make it thru all the initial training and your headed to your first duty station. As a married soldier.
depending on where you are station if your lucky to get stateside you can go to base housing to see how long it will take you to acquire government quarters if they have any available. If not you can live off base, and the cost of living is not to high where you are station.
again depending on which branch of the service you join. If you happen to be sent overseas like Germany, Korea, Japan and other areas like that. some branches of the service require you to go for at least 4 years in order to take your family with you. Not all tours overseas allow your family to join you. So keep that in mind, these are questions you have to ask. (dont be afraid to)
So becareful of what you put on your dream sheet (you will learn about the dream sheet in basic)
Also keep in mind the cost living overseas, and stateside, the dollar is not strong overseas, and yes you do get other money from the government like BAS, separate rations, and others along with your regular pay.
Your recruiter will not have all the answers, but at least if you can get the base you want to be station at listed in your contract, they have to honor that. So bargain for what you want.
Good luck to you.
SSgt in Iraq. (email if you have any questions bajangrl005@yahoo
How much more money will I receive if I am married in the military?
Not that much. The only differences are
1) You qualify for military housing or BAH w/dependents instead of living in barracks. The rate is slightly higher.
2) When deployed or in training for longer than 30 days you get Family Separation of $250.
3) If you stationed OCONUS then the COLA (Cost of Living Allowance) will be higher becuase again you aren't living in barracks and there is more than you. It is based on time in, rate/rank, # of dependents and if you live in barracks or not. For CONUS COLA that is a set amount for your rate/rank and it doesn't matter if you have dependents or not. Most major bases in the CONUS don't qualify for it. It is more for places where there isnt as much base facilities like commissary, exchange, etc....
4) Your Federal Income Tax deductions can drop because you are married and filing jointly.
5) BAS is food allowance and is for the AD member only! It is $294 for enlisted. It doesn't matter if you are married or not. If you are single you are eating in the mess so it is deducted from your pay each month. If you are married then it may not be deducted but it can depend on the branch and where you are. For the Navy the only time it isn't deducted is if you are on Shore duty or the ship's galley isn't operational. Otherwise all but $40 is taken out each month whether you eat there or not.
There is no other extra money or Spouse allowance or anything else for being married. So if you live in military housing in the 48 states and are home every night there is nothing more in your pay but the extra money from taxes.
Reply:In the Air Force, your rank and time in service (basic pay) will not be affected by being married. However, you can receive BAQ (basic allowance for quarters) or base housing (if it is available) when you are married. In addition, you will receive BAS (can't remember what it stands for???) but it is basic allowance to food. Also, in some areas, you might receive a cost of living allowance, but that is usually only given in places where the cost of living is over-inflated. Hope this helps a little, and good luck for the future!
Reply:you get either on post housing free then your food allowance of like 250 per month. If you live off post you get housing allowance based on rank and area. You can look it up on the net.
Reply:Check this out....this should help ;-)
http://www.dod.mil/cgi-bin/rmc.pl
Reply:Hey slow down and take a look at these options.
your pay depends on your rank when you enter active duty. And also if you are married or single at the time of entry.
Are you enlisting with any rank such as PFC, or comming in as an officer, or starting at the bottom as a private or airman depending on which service you join.
All of that plays a factor in what your pay will start out as. below is the site where you can go and see the military pay scale for fical year 08.
Now lets address the housing issue.
Lets say you make it thru all the initial training and your headed to your first duty station. As a married soldier.
depending on where you are station if your lucky to get stateside you can go to base housing to see how long it will take you to acquire government quarters if they have any available. If not you can live off base, and the cost of living is not to high where you are station.
again depending on which branch of the service you join. If you happen to be sent overseas like Germany, Korea, Japan and other areas like that. some branches of the service require you to go for at least 4 years in order to take your family with you. Not all tours overseas allow your family to join you. So keep that in mind, these are questions you have to ask. (dont be afraid to)
So becareful of what you put on your dream sheet (you will learn about the dream sheet in basic)
Also keep in mind the cost living overseas, and stateside, the dollar is not strong overseas, and yes you do get other money from the government like BAS, separate rations, and others along with your regular pay.
Your recruiter will not have all the answers, but at least if you can get the base you want to be station at listed in your contract, they have to honor that. So bargain for what you want.
Good luck to you.
SSgt in Iraq. (email if you have any questions bajangrl005@yahoo
How do businesses and companies gain money even when they are giving discounts?
How do companies and businesses gain money even when they give discounts. So, for example, if they were to give 50% discount on a product -- are they still making money or losing? If they are making, how do they do it even when they are giving discounts? If they are losing, why would they want to lose profit?
Thanks for answering.
How do businesses and companies gain money even when they are giving discounts?
The markup on most merchandise in most retail outlets is almost 100%. There are occasional instances where this is not applicable. However, even if the markup is only 50%, the profit margin will be 25%. Discounts are usually offered just to attract customers into the store, where they will, hopefully, buy other products that are not discounted.
Thanks for answering.
How do businesses and companies gain money even when they are giving discounts?
The markup on most merchandise in most retail outlets is almost 100%. There are occasional instances where this is not applicable. However, even if the markup is only 50%, the profit margin will be 25%. Discounts are usually offered just to attract customers into the store, where they will, hopefully, buy other products that are not discounted.
What are good ideas for saving money on commuting?
I have to drive about 30 miles each way to get to work. When I get near my building I have to pay five dollars a day to park. I walk five blocks to my building. There are no trains, buses or subways that run between my house and my work.
What are good ideas for saving money on commuting?
What are good ideas for saving money on commuting?
Ride with other people.
Reply:move
find a new job
bicycle instead of motorcar
change to a 4 day work week
You don't HAVE to do this, you have chosen to do this... it's a free country and your labor can not be conscripted. If the situation seems untenable all you have to do is to change the situation. I have some trouble believing that in a community that the closest parking is 5 blocks away and the density is such that you pay $5 for it there is no public transport.
Reply:Ask around at work to see if anyone lives in the same direction as you, and if some does try car sharing - one week you drive and the other is a passenger and the other week they drive and you are a passenger.
Whoever is the passenger gives the driver some money to help with that week's fuel and parking.
Reply:Find a carpool buddy. Post on your company bulletin board and see if anyone is coming from your area.
Or you could find another place to park, a little further away from your work, and then take the bus to your workplace.
Or you could just move closer.
Reply:Get a 250cc scooter. 85mph, 75mpg, you can probably park closer for free.
What's the point in hauling 2 tonnes of steel 60 miles a day just to get about 150lbs of flesh and bone to work?
Reply:Let the engine die everytime you are at lights etc. Or try to find someone to share rides with...put a notice up in work....campaign for a bus!
Reply:carpool
What are good ideas for saving money on commuting?
What are good ideas for saving money on commuting?
Ride with other people.
Reply:move
find a new job
bicycle instead of motorcar
change to a 4 day work week
You don't HAVE to do this, you have chosen to do this... it's a free country and your labor can not be conscripted. If the situation seems untenable all you have to do is to change the situation. I have some trouble believing that in a community that the closest parking is 5 blocks away and the density is such that you pay $5 for it there is no public transport.
Reply:Ask around at work to see if anyone lives in the same direction as you, and if some does try car sharing - one week you drive and the other is a passenger and the other week they drive and you are a passenger.
Whoever is the passenger gives the driver some money to help with that week's fuel and parking.
Reply:Find a carpool buddy. Post on your company bulletin board and see if anyone is coming from your area.
Or you could find another place to park, a little further away from your work, and then take the bus to your workplace.
Or you could just move closer.
Reply:Get a 250cc scooter. 85mph, 75mpg, you can probably park closer for free.
What's the point in hauling 2 tonnes of steel 60 miles a day just to get about 150lbs of flesh and bone to work?
Reply:Let the engine die everytime you are at lights etc. Or try to find someone to share rides with...put a notice up in work....campaign for a bus!
Reply:carpool
How much money should I bring to Cancun?
I'm staying for a week in an all inclusive hotel. I'm not a big shopper but i'll probably buy SOME things to take back home. I want to visit some other resturants, I would also like to snorkel, and do the dolphin swim thing. Maybe even see the Mayan Ruins. I want to have enough money to not worry about running out, but I also don't want to go over board. Maybe you guys can give me an Idea of what to bring. Hotel will be paid for this is strictly for spending money.
How much money should I bring to Cancun?
There is a possibility for every budget.
Ok, swimming with the dolphins costs about: $80 (dollars).
The trip to Chichen Itza, with guide and the bus, and lunch (all day) is about $50 (dollars).
If you want to visit Coba in a jungle tour (zipline, swimming, ruins) it is a bit more than $100.
If you eat a piece of pizza is $1.00 if you want to go to a restaurant and order a glass of wine, it would be about $35-$50, depending on the wine.
If you go clubbing, each drink is about $5 to $10, plus about $30 admittance.
Snorkeling out on the reef is about $5 or $30 if you grab a boat.
If you want to go to X-caret or Xel-Ha it is about $60, lunch not included and they don´t allow you to bring food from outside (people feed the animals, and they die).
Sometimes you will be required to use ONLY biodegradable sunscreen or none at all, bring it from home, here everything is imported and expensive (about $20).
If you rent a car, the cheapest is about $50 per day, plus gas (about $40 per tank) and insurance (about $15).
Taxis are about $30 to $40 to town, depending on where you are staying.
Handcrafts, ok, so they have very unique things here, you can buy maracas for a buck or a wooden carved statue for $1,000.
Walking in the beach= 0.00
Grabbing a beer in a beach bar= $3.00
Window shopping= 0.00
Meeting people= 0.00
Hope you have a lot of fun, and do not go overbudget!!!
Reply:Here's the real answer: Twice as much as you were planning on.
Those people above don't know you and neither do I so we really don't know what you can afford to do. But my experience has always been I never bring enough money. You don't have to spend it, but at least you will have it if you need it.
Reply:I think first yoiu gotta know what iss your budget,. Because iam also going on a trip to Cancun Next year. ANd iam thinking on a budget of $500 but iam taking $1000 you just in case. But I will exchange only $500 first than in case i need more i Will echangeit.
You might want to exchange what you think youre going to spend. Because for example in my case If i would exchange the $1000 and would only spend $500 When i go back to change the resting money they are going to give you $500 back they will probaly give you like $400 back. HAve FUN
Reply:I too, am going to Cancun for about a week in an all inclusive hotel and have thought (or am STILL thinking) about how much to take.
I have a friend who just went on a cruise and she said she spent around $500.
I was thinking about taking that much as well.
Just be sure that you exchange your money before you leave. It's less of a hassle.
Have fun! I'm sure we will!
How much money should I bring to Cancun?
There is a possibility for every budget.
Ok, swimming with the dolphins costs about: $80 (dollars).
The trip to Chichen Itza, with guide and the bus, and lunch (all day) is about $50 (dollars).
If you want to visit Coba in a jungle tour (zipline, swimming, ruins) it is a bit more than $100.
If you eat a piece of pizza is $1.00 if you want to go to a restaurant and order a glass of wine, it would be about $35-$50, depending on the wine.
If you go clubbing, each drink is about $5 to $10, plus about $30 admittance.
Snorkeling out on the reef is about $5 or $30 if you grab a boat.
If you want to go to X-caret or Xel-Ha it is about $60, lunch not included and they don´t allow you to bring food from outside (people feed the animals, and they die).
Sometimes you will be required to use ONLY biodegradable sunscreen or none at all, bring it from home, here everything is imported and expensive (about $20).
If you rent a car, the cheapest is about $50 per day, plus gas (about $40 per tank) and insurance (about $15).
Taxis are about $30 to $40 to town, depending on where you are staying.
Handcrafts, ok, so they have very unique things here, you can buy maracas for a buck or a wooden carved statue for $1,000.
Walking in the beach= 0.00
Grabbing a beer in a beach bar= $3.00
Window shopping= 0.00
Meeting people= 0.00
Hope you have a lot of fun, and do not go overbudget!!!
Reply:Here's the real answer: Twice as much as you were planning on.
Those people above don't know you and neither do I so we really don't know what you can afford to do. But my experience has always been I never bring enough money. You don't have to spend it, but at least you will have it if you need it.
Reply:I think first yoiu gotta know what iss your budget,. Because iam also going on a trip to Cancun Next year. ANd iam thinking on a budget of $500 but iam taking $1000 you just in case. But I will exchange only $500 first than in case i need more i Will echangeit.
You might want to exchange what you think youre going to spend. Because for example in my case If i would exchange the $1000 and would only spend $500 When i go back to change the resting money they are going to give you $500 back they will probaly give you like $400 back. HAve FUN
Reply:I too, am going to Cancun for about a week in an all inclusive hotel and have thought (or am STILL thinking) about how much to take.
I have a friend who just went on a cruise and she said she spent around $500.
I was thinking about taking that much as well.
Just be sure that you exchange your money before you leave. It's less of a hassle.
Have fun! I'm sure we will!
How much money should I bring to Cancun?
I'm staying for a week in an all inclusive hotel. I'm not a big shopper but i'll probably buy SOME things to take back home. I want to visit some other resturants, I would also like to snorkel, and do the dolphin swim thing. Maybe even see the Mayan Ruins. I want to have enough money to not worry about running out, but I also don't want to go over board. Maybe you guys can give me an Idea of what to bring. Hotel will be paid for this is strictly for spending money.
How much money should I bring to Cancun?
There is a possibility for every budget.
Ok, swimming with the dolphins costs about: $80 (dollars).
The trip to Chichen Itza, with guide and the bus, and lunch (all day) is about $50 (dollars).
If you want to visit Coba in a jungle tour (zipline, swimming, ruins) it is a bit more than $100.
If you eat a piece of pizza is $1.00 if you want to go to a restaurant and order a glass of wine, it would be about $35-$50, depending on the wine.
If you go clubbing, each drink is about $5 to $10, plus about $30 admittance.
Snorkeling out on the reef is about $5 or $30 if you grab a boat.
If you want to go to X-caret or Xel-Ha it is about $60, lunch not included and they don´t allow you to bring food from outside (people feed the animals, and they die).
Sometimes you will be required to use ONLY biodegradable sunscreen or none at all, bring it from home, here everything is imported and expensive (about $20).
If you rent a car, the cheapest is about $50 per day, plus gas (about $40 per tank) and insurance (about $15).
Taxis are about $30 to $40 to town, depending on where you are staying.
Handcrafts, ok, so they have very unique things here, you can buy maracas for a buck or a wooden carved statue for $1,000.
Walking in the beach= 0.00
Grabbing a beer in a beach bar= $3.00
Window shopping= 0.00
Meeting people= 0.00
Hope you have a lot of fun, and do not go overbudget!!!
Reply:Here's the real answer: Twice as much as you were planning on.
Those people above don't know you and neither do I so we really don't know what you can afford to do. But my experience has always been I never bring enough money. You don't have to spend it, but at least you will have it if you need it.
Reply:I think first yoiu gotta know what iss your budget,. Because iam also going on a trip to Cancun Next year. ANd iam thinking on a budget of $500 but iam taking $1000 you just in case. But I will exchange only $500 first than in case i need more i Will echangeit.
You might want to exchange what you think youre going to spend. Because for example in my case If i would exchange the $1000 and would only spend $500 When i go back to change the resting money they are going to give you $500 back they will probaly give you like $400 back. HAve FUN
Reply:I too, am going to Cancun for about a week in an all inclusive hotel and have thought (or am STILL thinking) about how much to take.
I have a friend who just went on a cruise and she said she spent around $500.
I was thinking about taking that much as well.
Just be sure that you exchange your money before you leave. It's less of a hassle.
Have fun! I'm sure we will!
tanning
How much money should I bring to Cancun?
There is a possibility for every budget.
Ok, swimming with the dolphins costs about: $80 (dollars).
The trip to Chichen Itza, with guide and the bus, and lunch (all day) is about $50 (dollars).
If you want to visit Coba in a jungle tour (zipline, swimming, ruins) it is a bit more than $100.
If you eat a piece of pizza is $1.00 if you want to go to a restaurant and order a glass of wine, it would be about $35-$50, depending on the wine.
If you go clubbing, each drink is about $5 to $10, plus about $30 admittance.
Snorkeling out on the reef is about $5 or $30 if you grab a boat.
If you want to go to X-caret or Xel-Ha it is about $60, lunch not included and they don´t allow you to bring food from outside (people feed the animals, and they die).
Sometimes you will be required to use ONLY biodegradable sunscreen or none at all, bring it from home, here everything is imported and expensive (about $20).
If you rent a car, the cheapest is about $50 per day, plus gas (about $40 per tank) and insurance (about $15).
Taxis are about $30 to $40 to town, depending on where you are staying.
Handcrafts, ok, so they have very unique things here, you can buy maracas for a buck or a wooden carved statue for $1,000.
Walking in the beach= 0.00
Grabbing a beer in a beach bar= $3.00
Window shopping= 0.00
Meeting people= 0.00
Hope you have a lot of fun, and do not go overbudget!!!
Reply:Here's the real answer: Twice as much as you were planning on.
Those people above don't know you and neither do I so we really don't know what you can afford to do. But my experience has always been I never bring enough money. You don't have to spend it, but at least you will have it if you need it.
Reply:I think first yoiu gotta know what iss your budget,. Because iam also going on a trip to Cancun Next year. ANd iam thinking on a budget of $500 but iam taking $1000 you just in case. But I will exchange only $500 first than in case i need more i Will echangeit.
You might want to exchange what you think youre going to spend. Because for example in my case If i would exchange the $1000 and would only spend $500 When i go back to change the resting money they are going to give you $500 back they will probaly give you like $400 back. HAve FUN
Reply:I too, am going to Cancun for about a week in an all inclusive hotel and have thought (or am STILL thinking) about how much to take.
I have a friend who just went on a cruise and she said she spent around $500.
I was thinking about taking that much as well.
Just be sure that you exchange your money before you leave. It's less of a hassle.
Have fun! I'm sure we will!
tanning
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