Savings Accounts: Online or old-fashioned savings accounts: What 1st of December 2009 | by RateCity Staff Andrea Sophocleous investigates what makes a savings account the best fit for you. December 1, 2009 Since the introduction of the first online savings account by ING Direct in 1990, Australians have taken to online accounts like ducks to water. Over one million Aussies have an ING Savings Maximiser account, and plenty more have opened online high interest accounts with the likes of the big four banks and other players, such RaboPlus. “Currently 52 percent of the Australian adult population claim to prefer using direct channels to conduct banking activity,” says Gerd Schenkel, general manager of UBank, the online banking arm of NAB. The Commonwealth Bank (CBA), Australia's largest bank, is also enjoying success with its online savings account, NetBank Saver, introduced in 2005. “It grew by 50 percent in the past 61 weeks [to the start of November 2008], and contributed about 75 percent of the overall growth in savings.” Related Links
More Words - Search Dictionary - Word Games Crosswords and Anagrams Nab launches new savings account - Savings account articles & S National Australia Bank (NAB) has launched another option for those looking to compare bank accounts. The lender is making a new high interest savings account available exclusively online through its UBank offshoot. It claims the facility will offer an “unrivalled” opening interest rate of 5.11 per cent per year. Furthermore, accounts can reportedly be set up within minutes over the internet, rather than having to visit a bank. It explained most adults should be able to complete the registration process within five minutes, noting almost a quarter (23 per cent) of people use online banking already. "We’ve created USaver specifically for [the direct banking] market and expect it to set a new standard for online savings accounts in Australia," explained UBank general manager Gerd Schenkel. The deal will feature no account or dishonour feel and no minimum balance requirement. A number of banks have recently moved to reduce fees.
s Guide: Smoking a Tobacco Pipe Part1 | GUY.com Part 1: Your First Pipe Let’s clear something up right out of the gate here — no one is going to think you look cool for smoking a tobacco pipe. To the contrary, unless you’re old enough to have fired a few rounds in Word War II, most people will probably think you look like an asshole. And if they don’t, they’re probably assholes. Sadly, like many commonplace males’ accessories of yore – suspenders, bow ties, casual suits, bowler hats, handlebar mustaches – tobacco pipes are now largely associated with the hipster and pretentious artist crowds. If you’re a hipster, then don’t sweat it; buy the most audacious Sherlock Holmes-style pipe you can find. Now that we’ve got that important disclaimer out of the way, if you’ve thought about smoking a tobacco pipe and want to give it a try, we’re here to help you do it without being an ass. First things first. Why? Smoking a tobacco pipe is very different from smoking cigarettes, in several ways, but none more so than the inception of the habit.
Online Banking Review - Online Banking Review - online banking - Executive Interview: Gerd Schenkel, General Manager, UBank By Charis Palmer OBR: Gerd, you have quite an impressive academic background in science. What made you decide to do your MBA and switch over into business, and finance in particular? GS: I’m not sure about impressive but I studied engineering and the main reason I was interested in exploring options other than engineering was that I discovered I really enjoyed working with people as opposed to with mathematics and machines. Machines are largely predictable but people have a rich spectrum of behaviours and are not as predictable. OBR: Apart from a very loud alarm clock, and the need to pay the bills, what gets you out of bed in the morning? GS: I do enjoy coming to work almost every day and mainly that’s an outcome of the team we’ve built at UBank. OBR: Before NAB you worked with BankWest and Citigroup, so you’ve seen some different strategic approaches to banking. GS: In a way it’s turned out quite well.
The World Wide Website of Ricky Jay As a writer and speaker on subjects as varied as conjuring literature, con games, sense perception and unusual entertainments, Jay has authored numerous articles and has delivered many lecture/ demonstrations. Among his presentations are: at the New York Metropolitan Museum of Art. November 22, 2005; “Belknap Visitor in the Humanities” at Princeton University speaking on the relationship between magicians and mediums on November 21, 2005; at the New York Institute of Humanities, hosted by Jonathan Miller; the Harold Smith Memorial Lecture at Brown University; "Splendors of Decaying Celluloid" with Errol Morris, Rosamond Purcell and Bill Morrison at the New York Institute for the Humanities. ,for the conference of Police Against Confidence Crime; at the Henry E. at the William Andrew Clark Memorial Library, UCLA; and at Amherst College; at the University of Rhode Island Festival of the Arts; and the keynote address at the International Design Conference in Aspen on
burningpants » Blog Archive » UBank, Me Bank, We All Bank Also launching last month in a green dominated website was NAB’s attempt at consumer chumminess with the aptly named – UBank. UBank is acting as an online deposit taker – selling term deposits to Australians chasing the security and returns offered by cash. CoreData- brandmanagement conducted desktop research last week into all the online deposit takers in Australia and found that the UBank offer was among the best in the market. It was found to be simple, easy to use and seemingly designed by the customer service department of the bank rather than the legal division. One of the interesting things about the website is that it recognises people need to come to making a decision in whatever way suits them. UBank is the only website to feature a phone number on every page and to feature a 24/7 call centre, based in North Sydney with a customer service system that appears to mimic the highly successful British model. Did you like this article?
Bishkek Bishkek (in Kyrgyz and Russian: Бишкéк), formerly Pishpek and Frunze, is the capital and the largest city of Kyrgyz Republic or Kyrgyzstan. Bishkek is also the administrative centre of Chuy Province which surrounds the city, even though the city itself is not part of the province but rather a province-level unit of Kyrgyzstan. According to the post-Soviet ideology, the name is thought to derive from a Kyrgyz word for a churn used to make fermented mare's milk (kumis), the Kyrgyz national drink, which is rather debatable. Founded in 1825 as a Khokand fortress of "Pishpek" to control local caravan routes and to get tribute from Kyrgyz tribes, on 4 September 1860 the fortress was destroyed by Russian forces led by colonel Zimmermann, with approval of the Kyrgyz. In 1868 a Russian settlement was founded on the fortress's spot, adopting its original name - Pishpek, within the General Governorship of Russian Turkestan and its Semirechye Oblast. History Kokhand Rule Tsarist Era
Best of the Best: Banking outlook for 2010 Best of the Best is all about sorting out the best financial products and services – to help you make the most of your finances. It helps too to sum up the year’s banking highlights, so here’s a snapshot. Interest rates hit a 40-year low – this time back in 2007 repayments on a $300,000 mortgage were $2329, today they’re just $1937, a saving of over $350 a month. The cash rate plunged to 3%, yet throughout the year online savings accounts paying more than 4% were easy to find. And while indeed there’s no such thing as a free lunch, fee-free everyday banking looks like it has arrived. That’s the good news, now it’s time to check out the potentially bad. The Westpac/St George and Commonwealth Bank/Bankwest mergers see the two majors controlling almost half of all outstanding Australian mortgages by value. Research outfit Core Data principal Andrew Inwood says this is not good for competition. For the exception, see this year’s banking Best Online Savings Account winner UBank. Inwood says no.
Savant syndrome Savant syndrome is a condition in which a person with a mental disability, such as an autism spectrum disorder, demonstrates profound and prodigious capacities or abilities far in excess of what would be considered normal. People with savant syndrome may have neurodevelopmental disorders, notably autism spectrum disorders, or brain injuries. The most dramatic examples of savant syndrome occur in individuals who score very low on IQ tests, but not always. In some very rare and extreme cases, some people with savant actually had an average to even a higher IQ while demonstrating exceptional skills or brilliance in specific areas, such as rapid calculation, art, memory, or musical ability. In spite of the name "syndrome", it is not recognized as a mental disorder nor as part of mental disorder in medical manuals such as the ICD-10 or the DSM-V. Characteristics Mechanism Savant syndrome is poorly understood. Epidemiology History See also
NAB looks to launch no-frills banking brand – Crikey National Australia Bank is working on plans to launch a new retail bank under a different brand. Last month, the bank created a new business group to look for ways of using technology to deliver low-cost services to groups not well represented in the bank’s customer base. The focus is on young people and self-directed consumers and investors, who are technologically savvy and would use the internet, mobile phones and other alternative distribution mechanisms. A NAB spokesman confirmed yesterday that the bank’s Australian chief executive, Ahmed Fahour, made an internal announcement in May that a new business group, Star Direct and Alliances, had been set up under general manager Gerd Schenkel. The new group has its own board, whose members include Fahour, Steve Tucker, the executive general manager for wealth management in Australia, Greg Sutherland, the executive general manager for strategy and marketing, and NAB general counsel Anne Ward. No firm plans have been made yet.
Top 10 Stop Motion Videos on YouTube Stop motion film-making is a labor of love, so consider this collection of 10 amazing mini stop motion movies a love song to the format. Encompassing music, graffiti, photography, computer gaming and even horror, these YouTube videos show off some inspiring creativity and represent hours and hours of work. Have a browse through our top picks and then let us know your favorite stop motion movies in the comments below. 1. This much-emulated video shows just what you can create with a camera, your imagination and a papier-mâché pig. 2. Watching this "ambiguous animation painted on public walls," you soon forget you're seeing stitched together images of graffiti and lose yourself in the mesmerizing mutations. 3. Bang-yao Liu's final college project takes the Post-It notes that were haunting him over ever-approaching deadlines and makes them the star of the show. 5. 6. 7. The stop motion artist known simply as "PES" is a genius in the field with a stack of YouTube hits. 8. 9. 10.