The FDIC recently decided to assess a fee on brokered deposits, depending on the mix of deposits and health of the bank. I have to disclose that our company is considered a broker, although we should really be classified as a vendor (that is how the NCUA views us). The difficulty is, deposits, brokered or otherwise, are not the real problem. The banks making poor management decisions are the problem. The problem is with the bank’s bad loans and poor investment decisions. It is not the acceptance of brokered deposits that causes banks to fail.

The perceived problem with brokered deposits is that they are more volatile than a bank’s “core” deposits. This may have been true in the Stone Age when we didn’t have newspapers and the Internet, but it simply IS NOT TRUE anymore. In a matter of hours, a bank through the Internet can take in Millions of dollars. Just look at the huge amount of funds that AARP helped Huntington National Bank raise last year or how about Countrywide Bank? Those Internet funds are as volatile (and “expensive” I might add) as any brokered deposit. Current regulations though allow the funds to be classified as a core deposit.

There is also another class of deposits that most people outside of the banking industry probably haven’t heard about. They arrive from a rate listing service. Rate listing services actually have a specific exemption from being considered deposit brokers because they don’t “facilitate” the placement of the deposit. They just provide rates and the investment manager makes the decision as to which institution to place the deposit. Of course, the fact that the only reason a bank lists their rates on the listing service is to acquire deposists is overlooked. Again, a bank can list CD rates on these services and within hours raise Millions of dollars. Millions of dollars that are just as volatile as any brokered deposit. Once again, current regulations allow these deposits to be classified as a core deposit. Clearly, a Hawaiian credit union depositing $99,000 in a Maryland Bank is not a core deposit.

Sadly, brokers make for nice scapegoats. It is much easier to make Brokers the target of blame instead of asking bank management or FDIC examiners to look in the mirror. The media uses scare tactics and a nice salting of misinformation to give the impression that brokered deposits are bad. In the second installment I will debunk some of this information.

We service banks and make it effecient to acquire the type of Jumbo cDs that help you meet your funding goals. We can send funds from CIP exempt institutions such as banks, credit unions, and public entities, as well as, personal and corporate accounts that require full CIP. For those clients that require full CIP, we will make sure you get the documents you require for your files. We help investors find higher CD rates

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The Website plan will include all of the services and benefits provided with the basic plan, PLUS it will also include a website pre-loaded with all our products using a domain name of your choice.

We will design a website for you loaded with over 1,000,000 products ready for you to sell for profits. You will get a free domain name which means that you get to choose which website URL address to use for your new website.

You can choose a new domain name OR you can choose a domain name that you already own. For example, if you choose mystore.com then we will register the domain name mystore.com for you at no extra cost and your website would be under the address http://www.mystore.com.

If you already own a domain name, then we can also use it for your website. We will send you instructions on how to point your domain name to our servers once your purchase is complete.

You can upgrade your plan at anytime to include any of the other plans we offer.
Section 1. Website Features
Your website will be loaded with 1,000,000+ products.
Use any domain name of your choice
Products are updated daily with new QTY in stock
Personalize your website with the Customize tool
Add your own HTML code
Add your own Banners
Add a sitemap file to your website
Add your own company logo
Add your own products to your website
Add your own links to other affiliate sites
Change the look and feel of your website
Update the product prices
Remove products from your website
Configure global store discounts
Discount coupon management tool
Complete Store Control Panel.
Monitor your sales/profits in REAL TIME
Order confirmation is sent via email to you and your buyer
Make even more money by adding Google Adsense to your website
Shipping tracking code is sent via email to you and your buyer
Instant access to new products as we make deals with new manufacturers
Marketing guidelines to help you get started. Learn about Google Pay Per Click and much more
Optimized for Search Engines. Add your own meta tags, sitemap, robots.txt & links page
Looking for a domain name? You can goto godaddy.com to search for a domain name that is available. Once you find a name that you like, simply enter it in the box located at the bottom of the signup form. Remember, you do not need to purchase the domain name once you find one that you like. We will register it for you at no extra cost.

Section 2. You are in full control

You can update the product prices at anytime from the control panel of your website, remove product categories, and add your own HTML code, banners, logos, Meta Tags, and more!

Now you can also add your own products to your website! This is perfect if you manufacture your own products or if you work with other dropshippers you now have it all at onesource. Contrary to other online store providers, we will not charge you any transaction fees if you decide to sell your own products.
Section 3. How does the website plan work?

Selling merchandise from the website plan is very simple. The selling process is fully automated for you. This means that orders will automatically get processed as they come in and profits will be automatically depositted into your Paypal account.

It’s as easy as it sounds.
Step 1 Buyers will come to your website and place orders for products. We will capture the payment for you using our own merchant account so your website will accept all Major Credit Cards
Step 2 We will process your orders within 1 to 2 business days and both you and your buyer will receive the tracking number via email
Step 3 Your buyer will receive his merchandise within 5 to 10 business days
Step 4 Congratulation, you just made a sale!
You will receive your profits via a PayPal deposit on the first weekend following 30 days after the sale

As you can see, all that you need to do is advertise the products and the website and the customer care team will do the rest for you.

When someone places an order on your preloaded website, we will capture the payment on your behalf and we will automatically process the order for you. We will calculate your profits from the difference between the selling price and your special wholesale price. Once your item is shipped, we will email you and your buyer the tracking code so everyone can monitor the shipment of the order. Orders are usually shipped and received within 8 to 12 days.

The profits will be automatically deposited into your paypal account 30 days following the date of your order. This 30 days period will give us sufficient time to deal with returns, in which case we will issue your buyer a refund according to the return policy.
Section 4. Benefits

Your benefits will be the same as the basic plan PLUS you will have your own website fully loaded with product and ready to start selling online!
1. You do not purchase any merchandise until you have sold the item and collected the money from your customer
2. You then purchase the item from us, and we ship it directly to your customer
3. We do NOT include our company name anywhere on or in the order
4. We do NOT include the price paid for the merchandise
5. So your customers will stay YOUR customers and not know the mark-up prices
6. Your friends and family will never know how much you paid for our quality merchandise
7. We will provide you with all the support you need
8. You will get a brand new website fully loaded with products ready to sell
9. You will get a free domain name of your choice with a matching email address
10. We will process orders automatically for you
11. We will update your website daily with new products and for up to date inventory
12. We will handle all returns, RMAs, any other issued related to your order

Dropshipping will allow you to sell many different products with no up front investment. This means that you are not required to pre-purchase any products before selling them! There is no expensive inventory or warehouse to maintain and you won’t have to take the time to package and mail the merchandise.

You simply do the selling and we do all the rest for you!

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Various people have different needs. So the credit card suppliers too have designed different type of cards. Besides the normal credit cards, there are small business cards for small business and then there are student credit cards which are designed especially for students.

Now, what is different about the student credit card?
You could say not much, since all credit cards work in pretty much the same way and are used for more or less same purposes. However there are 2 main differences with the student credit cards and these differences are on the 2 main aspects i.e. Credit limit and APR.

The credit limit for student credit cards is generally very low. This typically ranges from $500 to $1000 per month. Some people might argue the reason for such discrimination. Well, the reason is very clear and obvious. Most of the students applying for these credit cards have never used a credit card in their life so neither do they have a credit rating and nor the knowledge about credit cards. While the former is what the credit card suppliers look for before supplying the credit card, the latter is what the credit card holder would like to acquire. Both the purposes are met by keeping a lower credit limit. The credit card supplier reduces the risk that they are taking by issuing a credit card to someone who has never used one and has no credit rating. It’s good for the credit card holder too since this reduces their risk of damage which can be caused by limited or no knowledge of credit cards and by bad spending habits. Moreover, this credit limit would be sufficient for the needs of a student in general.
The APR on the student credit cards is generally higher than that on the normal credit cards. Again the reason for this is same as that for lower credit limit i.e. the credit card company or the credit card supplier is after all into business and has to take steps to mitigate any possible risks including the risk arising from issuing a credit card to someone who is naïve in terms of credit card knowledge.

The credit card companies might also keep some stricter terms and conditions on the student credit cards and generally require a parent or a guardian’s signature as a guarantor.

Since credit cards are more of a necessity than a convenience in today’s world, the student credit cards are much recommended, especially as a learning tool in getting the students prepared for the life. Due to their inherent characteristics of low credit limit etc, student credit cards cannot lead students into a totally irreversible debt situation. Students should read all the instructions supplied with their student credit card. This first credit card will teach them how to protect themselves from credit card fraud, where all to use their credit card, how to control their spending, what the various membership benefits are etc. The earlier they learn these things the better it is.

Moreover, the student credit card will also help you in developing a good credit rating. You shouldn’t take the student credit cards lightly. If you overspend on your student credit card or default on your credit card bill payments, you will not only end up paying interest on your credit card balance but also spoil your credit rating. Remember that a bad credit rating will not only hamper your chances of getting another credit card later in your life but will also lead to problems in approval of your mortgage/car-loan applications etc.

So student credit cards are a surely a good way for students to start with credit cards.

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