The bank would probably be the first reflex to put your money because you already have an account and the banker is always available. But the offers of investment money from banks are often limited to their own products. And apart from certain investments as regulated by the local authorities, the products offered are not always the best.

Insurers, with their life insurance or pension funds are almost the same role in the placement of money. Savings products are very competitive but still limited to the guidelines of each company. The main advantage in this type of investment is the guaranteed funds in savings.

Financial advisers are joining the battle of savings. If their goal is to protect your property interests, they are able to offer you interest in investment money as your investments are important. These are marketers whose products are involved and normally have a better return on investment.

The associations of savers are a great alternative. The greater the association has power to act in the right direction, the better return on investment would it be.

And then there is the Internet. While some are still wary of entrusting their money to an organisation via a computer, it must now be understood that all products of finance are available on the Internet. The major banks or life insurance companies offer their products on their websites. And the best thing is due to heavy competition, online companies offer much better investment options than the rest of options mentioned above.

For more information on Banks, visit our UK business directory

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About the Author:
About the Author: Content writer and specialist
 
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Ed Hardy became the secret in my heart. I am eager to get one piece but I still can’t earn enough money. My parents both work in ordinary positions which means they don’t have enough money to buy extra luxuries. I know it is nearly impossible for a poor student to purchase such an international brand but I still can’t let the thought go out of my mind. The mixture of tattooing, retro punk and the street culture is always attractive to me.Fashion Elements Mistakes Even Smart Oprah Winfrey Make with womens sexy robes

Driven nearly crazy of the desire, I learn to copy the Ed Hardy patterns down from the Internet and try to imitate it. I love the pictures and the styles so I make them alive in front of me, instead of buying it. As a student, I tried to please myself by doing such work, enjoying myself at the same time and gradually the desire to own a pair of Ed Hardy apparel is not so strong. Because I can make the ED styles all by myself and then impressed them on a white T-shirt, a ED coming into being.Let’s Enjoy the Top 5 sexy Bustier for April at Once! You Will be Impressed!

Although I saved a lot of money, I can’t stand my classmates rumors. 8 Easy Ways to Embellish sexy swinmwear Some of my classmates are born in very rich families and take buying Ed Hardy as granted. They can easily distinguish the real Ed Hardy and the counterfeits, let alone my ridiculous home-made products. Day after day, they talked about the real Ed Hardy in front of me in a loud voice, showing off. As a university student, I know how innocent they are to show off in front of poor students but I am on the verge after such a long time. Finally I announced to them that one day I will buy a real Ed Hardy and shut up!

Now I am at work, I already have enough money to buy a real Ed Hardy but I become puzzled. Do I really need it? Will I just buy a piece of waste just because of the instant promise to those showing-off guys? Shall I care about others so much? I shall lead my own life!

Although Ed Hardy is still my favourite, I also learned to live with the regulated desire.

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About the Author:

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The report, carried out by Javelin Strategy & Research, concluded that almost one in five credit or debit card fraud victims reported their PIN information stolen in 2009. In addition to this, it was discovered that 10% of all fraud victims in the USA encountered unauthorized ATM cash withdrawals.

These figures represent a notable increase on those of the previous year, with a 16% rise overall in the number of cases of ATM fraud. The survey interviewed 8,168 consumers throughout the study, acquiring details of their fraudulent experiences.

It is widely believed that the nature of ATM fraud is developing in complexity, with perpetrators targeting the inner software of the ATM’s rather than implementing the previously preferred ‘Skimming’ attacks. The latter comprises of legitimate-looking hardware skimmers being strategically placed on the façade of the ATM; these skimmers then copy the information from the magnetic strip of a credit or debit card.

In addition to this, criminals are becoming even more adept in the acquisition of PIN information via the theft of other private information and the help of a call centre representative. By gaining access to private information, fraudsters are able to contact the victim’s bank and use this data to request a PIN change, thus allowing them access to the victim’s account. Although it is no longer possible for fraudsters to forge signatures, they have developed ways of accessing account details since the introduction of EMV Chip and PIN software.

To protect consumers from this high-tech fraud threat, the Javelin Strategy & Research team insisted that financial institutions should do more to educate their customers on the risks of ATM fraud, and the steps which can be taken to minimise this risk.

On a more positive note, the research showed that some banks are in the process of installing new ATM software and hardware features aimed at minimising the threat posed by ATM fraud. However, there remains much to do in the education of consumers, as well as re-instilling a sense of confidence within the public. The study revealed that 23% of ATM fraud victims consequently left their financial institution due to a decreased level of trust and satisfaction.

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About the Author:
Harvey is passionate about getting you the best insurance deals possible.
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Below are the top 5 reasons banks and credit unions should use automated scheduling solutions.

Positive Work Environment – No matter what industry you are in, no valuable employee wants to be underutilized.  At the same time, being over worked can quickly lead to burnout to even the most dedicated and loyal team member.  Automated scheduling will help you know specific work preferences such as work unavailability, minimum and maximum work hours and lunch lengths to name a few.  This valuable insight will help you schedule the appropriate people at the appropriate times.
Productivity Goals – Many forward-thinking banks and credit unions have productivity goals set so that an       accurate measurement of performance can be recorded.  Operating a lean and effective workforce with the assistance of an automated scheduling system will help you achieve your productivity goals.
Integration – Banks and credit unions utilizing other performance enhancing processes, such as referral programs and service surveys, can easily integrate an automated scheduling solution into their teller-line overall performance management strategy.  These tools working together can provide valuable advantages over your competition.
Customer Service – Let’s face it, no one likes waiting in line.  Knowing when your peak operating hours are will help eliminate long lines for your acco  unt holders by knowing when to utilize part-time employees and having the system automatically scheduling them.Shorter wait times in your lobby will lead to a more enjoyable experience for your customers which will encourage them to visit you again.
It’s Easy – Making the work schedule for your staff is a thankless task.  By auto generating your schedule, you take the guess work out of being able to fully meet your customers’ expectations and your employees have an understanding of the kind of volume they can expect to service while at work.

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About the Author:
Chad J. Davis is the Marketing Manager for Financial Management Solutions, Inc. (FMSI). FMSI helps banks and credit unions maximize their productivity while measuring valuable data by providing a suite of tools such as Automated Scheduling, Lobby Tracking System, and the Teller Management System to name a few. If you would like to request a demo, sign up for our newsletter or learn more about our solutions, feel free to contact us today.
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Cash means ready money; money in the form of coins or notes that are easily transferable in exchange of value. Cash is a liquid asset and so banker should manage the cash properly to turn it into an asset. The following are the steps related to cash handling at branch level:

Receiving of cash
Payment of cash
Daily balancing of cash
Scrutiny of cash
Safe keeping of cash
Cash remittance
Receiving and disposal of mutilated notes

Procedure of checking/scrutiny of cash:

Check  the sorting of cash
Non-issue
Reissue
Mutilated notes
Forge notes
Note packing slip signature, recounting signature & stamp
Count the loose cash, including coins.
Count the bundles & check them also.
Check Patty Cash, stock of Prize Bond & late paid and received cash.

Safe keeping of cash at Strong Room

We should remember that cash is the liquid asset of the general public and we, the bankers are the custodians of it. While preserving this, we should take careful actions and they are:

Cash should be kept in a fireproof Iron Safe/ Strong Room under three custodians, i.e. Manager, Deputy Manager and Cash In-Charge.
Respective desk officer should maintain cash register(both receive and payment)
Physical cash should be checked every counter individually with the receive and payment register and also should be transferred to the Officer – Cash In-Charge after the close of the business hour.
The daily cash book of the branch is prepared by the Cash-In-Charge of every branch and should be signed jointly by the branch In-Charge, Deputy Manager and Cash-In-Charge regularly. All the books relating to cash must be checked and signed jointly by the Manager, Deputy Manager/GB In-Charge and Cash-In-Charge.
Surprise checking must be made by the Manager of the branch by counting entire cash physically at least once in a fortnight and a certificate to that effect should be recorded in the cash balance book.
Branch In-Charge should be alert about the functioning of cash department during working hour. Now a day, it is done by CC camera, which also helps to detect fraud.
Cash insurance policy must be obtained against cash in safe, cash in counter & cash in transit for a particular limit. Now the banks have introduced a new scheme – “Reserve for Unforeseen losses”.
A vault register is maintained in order to understand the clear position of cash while cash is out or in so that vault limit is not exceeded.
The armed guard should remain alert during the time of remitting cash from and to the feeding branch.

Maintenance of safe keys and Strong Room keys:

First key of both the locks of the safe will remain with the Cash-In-Charge. One key will remain with Deputy Manager/GB In-Charge and the other key will remain with the Manager/Deputy Manager. In case of big branches, Deputy Manager will hold the keys in place of Manager. The same procedure will be followed for vault room and strong room gate.

Keys against each individuals should be recorded in key register against their names and duplicate keys will be deposited in the feeding branch/other bank as safe deposit withdraw able under joint signatures of the key custodians and received of which to be recorded in Safe-In-Safe-Out register. Keys will be withdrawn at the time of changing of key custodians and handing/taking over charge/conducting of the branch.

Cash Balance Book & Cash Position Memo:

A vault register is maintained in order to ascertain the clear position of cash while is out or in.

After receiving cash, the cash official must sort out the notes and make 100 pcs of each denomination in a packet. Such 10 packets will make a bundle, i.e, 1000 pcs will be in a bundle. All the packets must be stitched, signed and sealed by the cash official.

The Cash-In-Charge may prepare the cash position in a separate sheet before preparing the branch’s cash position to avoid cutting and over writing. After the day’s work, the rough sheet should be destroyed. When the cash is balanced, the Cash Position Memo & Cash Balance Book is prepared and they are counter signed by the joint custodians after physical verification of the entire cash invariably.

Cash Remittance:

In the metropolitan cities, the job of cash feeding branch is done by the main branch. A cash remittance register is being maintained by the feeding branch for recording the fund flow to & from the link branches and this remittance register is being maintained by the link branches also. The link branch should give the information of lifting or sending of surplus cash to the feeding branch one day before the amount is required. The requisition letter along with IBCA should be signed by the two joint custodians (Manager is mandatory) with a request to handover the cash to the authorized representative whose signature is to be attested. The letter should be addressed to the branch in charge & must be sent under sealed cover.

At the time of remitting cash to the link branch, the feeding branch will withdraw money by ‘Cash Debit Voucher’ to the debit of ‘Suspense A/c- Cash Remittance’ head.

When the link branch wants to remit their surplus cash they will draw the money to the ‘debit of Suspense A/c- Cash Remittance’ held by a ‘Cash Debit Voucher’.

For both the cases, the vouchers should be jointly signed by both the Manager and the Deputy Manager.

Accounting procedure during the cash transaction period:

During the time of cash receive the accounting procedure is:

->  Cash account – Debit

->  Party/Individual  account -  Credit

The reverse procedure is done at the time of cash withdrawing, that means –

->   Party/Individual  account -  Debit

->   Cash account – Credit

Conclusion:

The above stated description is exercised in the banks of Bagladesgh and the total scenerio should be more technology oriented and fast.

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About the Author:
Kazi Md. Faisal, MBA from North South University(Bangladesh).
Currently working in a local private commercial bank named – ‘National Credit and Commerce Bank Limited’.

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Usually, online bankruptcy laws have been introduced to help debtors financially so they can make a fresh start again in life. The procedure contains the four important chapters such as bankruptcy chapter 7, chapter 11, chapter 12 and chapter 13. Bankruptcy chapter 7 and chapter 13 deal in personal bankruptcy. On the other hand, Chapter 11 and 12 has been created for organization, corporate, companies, partnership firms etc. According to the process, initially debtor is required to file bankruptcy petition in the court. It is the only document which contains the complete details of debts, number of creditors, income of debtors, reason for filing etc. and this document is a evidence that a particular person wants to file bankruptcy.

Bankruptcy laws allow you to hire an attorney to help in the process. Bankruptcy attorneys are professional consultants who can help you to win the case. But you should not hide anything with them; let them know everything about your financial conditions. Few experience attorneys can tell you whether you will get success or not after recognizing your situation.

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About the Author:
Borton Stevens is an expert author and has more then 7 years of experience in writing finance related topics. To know more about Bankruptcy Laws Visit:    http://www.onlinebankruptcylaws.co.uk/
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Retail banking industry technology spending forecast databook provides a current and comprehensive assessment of revenue opportunities for technology providers in the Singapore market, across a range of sources and locations.

Scope

Forecasts Singapore retail banking technology spending until 2014

Breaks down Singapore retail banking technology spending by source, location and business function

Highlights

Overall, the Singapore retail banking technology market is set to grow at a CAGR of 6.6% from 2009 to 2014, while business function such as online banking and MIS will present the highest growth opportunities.

Reasons to Purchase

Gain visibility into the dynamics of the Singapore retail banking technology markets

Gain market insight to assist in your strategic planning and go-to-market strategy

To know more and to buy a copy of your report feel free to visit :
http://www.bharatbook.com/detail.asp?id=142805&rt=Retail-Banking-Industry-Technology-Spending-Forecast-in-Singapore-to-2014.html

Related Reports :

Retail Banking Industry Technology Spending Forecast in Italy to 2014
http://www.bharatbook.com/detail.asp?id=142799&rt=Retail-Banking-Industry-Technology-Spending-Forecast-in-Italy-to-2014.html

Retail Banking Industry Technology Spending Forecast in Mexico to 2014
http://www.bharatbook.com/detail.asp?id=142801&rt=Retail-Banking-Industry-Technology-Spending-Forecast-in-Mexico-to-2014.html

Or

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Bharat Book Bureau facilitates companies to take the lead of their industry with best practice business strategies and intelligence, through a unique combination of published reports, databases, country reports, company profiles and customized research services. Bharat Book Bureau provides strategic information tools to the executives, business analysts, and knowledge managers that will help them to probe into and support critical, timely business decisions and strategies.

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Bharat Book Bureau, the leading market research information aggregator provides reports, company profiles, newsletters, country info. and online databases for the past twenty two years to corporate, consulting firms, academic institutions, government departments, agencies etc., globally, including India. Our reports help global companies to know different market before starting up business / expanding in different countries across the world.
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by prof ghulam mohyuddin wani

Islamic banking is simple.Qruan forbibds fixed rates of INTEREST but acknowledges a banking or lending system which involes a sever planning and participation of the lender in a trade.He can be a sleeping partner and his share of profit or loss not fixed but estimated at the end of the year.Thus share selling of a bank may not be unislamic .It is the interest only which is forbidden.

This is a banking system in accordance with the law of SHARIA.

Histroy

 During Islamic golden age Islamic banking and economy was in force.The bills of exchange,forms of partnerships called mufawada.ledgers,,mudraba,al-mal,nama-al-mal,cheques,loaning,promising note,trusts,waqf,assignments,Even the modern day business corporations existed independent of state in Islamic empire.Thus one conclud safely deduce tht ISLAMIC BANKING has a history and no matter has been the pioneering banking system innovation.

 It has of late been overtaken by the interest  bearning old Jewish system where the interest and it compound  interest was making a real business loanee over burdened and the lender to enjoy without any risks. During the era a stable circulation system existed.The dinar was the currency.

MORDERN ISLAMIC BANKS

The first Islamic bank came in Egypt.Its founder was Ahmed el-naggar .This attempt has been in small town of Mit Ghamr.It was initiated in 1963 and lasted for few years upto 1967. exercise continued and succeeded in nine other branches and from 1972 this mit gramr saving has become a part of NASR SOCIAL BANK These axperiments led to the Islamic Development Bank and first modern Islamic bank is Dubai Islamic Bank opened in the 1975.Islamic Banking is on rise at @15% ANNUALLY .

On date we have 300 banks in 51 countries.A branch in Univerty of Michingan.In 2005 a total of 0.5% OF TOTAL WORLD assets are managed by Islamic Banking.The vetican too has recommended Islamic banking to undo failing markets.The loaning agaist mortgage is accepted and garuentee the repayment.The mortgage transactions are simple the bank values it and purchases it without any other penalities and liability and sells it to a prospective buyer .They facilite him the buyer with loans too.

THE SYSTEM CAN BE EXPLINED AS.

If you wish to have a loan from an Islamic Bank for the purchse of a vehicle.The vehicle cost with profit shall be evaluated b the bank and sold to the buyer.The amount so agreed upon shall be paid to bank in instalment aginst mortigaing this vehicle and the vehicle shall be in his name from day one..No monthly or annunl interest charges .He has to return the money in time or lose vehicle mortigaed which may be resold by the bank.May we accede here some of the extracts obtained from websites in original for general information of our viewers

 ”An innovative approach applied by some banks for home loans, called Musharaka al-Mutanaqisa, allows for a floating rate in the form of rental. The bank and borrower form a partnership entity, both providing capital at an agreed percentage to purchase the property. The partnership entity then rents out the property to the borrower and charges rent. The bank and the borrower will then share the proceeds from this rent based on the current equity share of the partnership. At the same time, the borrower in the partnership entity also buys the bank’s share of the property at agreed installments until the full equity is transferred to the borrower and the partnership is ended. If default occurs, both the bank and the borrower receive a proportion of the proceeds from the sale of the property based on each party’s current equity.

This method allows for floating rates according to the current market rate such as the BLR (base lending rate), especially in a dual-banking system like in Malaysia.” FLOATING INTEREST RATES. The Islamic bank can lend the money on floating interest rates.The companies raising money from Islamic bank pay rate of retuns and not a fixed rate at loaning.The difference between the the normal banking in vogue and Islamic banking is the participation of the technocrat s of the bank in the business management of the company and share profits and losses both.For sound global economy free of recession this Islamic banking is the only solution to undo recession tremers ruinig the global economy and forcing powerful to vage warsin Iraq or Iran or Afganistan to either divert attension of falling economy at home or simply to recover it through proxy by looting others resources.

The Islamic banks can not invest in wine,women,pork or im moralventures like gambling thus curing the mafia and underworld social erosions .This is thus going to bring morality in this immoral world ,where balck money rune rackets and is responsible for all evils of politics,administration and regime changes.The technical assessment as revealed by some in the web publication can be quoted as. “In theory, Islamic banking is an example of full –reserve banking with banks achieving a 100% reserve ratio.However, in practice, this is not the case, and no examples of 100 per cent reserve banking are observed” Islamic banks have grown recently in the Muslim world but are a very small share of the global banking system. Micro lending institutions founded byMuslims notably Gamen Bank of Bengladesh, use conventional lending practices and are popular in some Muslim nations, especially Bangladesh, but some do not consider them true Islamic banking. However, Muhammad Yunus, the founder of Grameen Bank and microfinance banking, and other supporters of microfinance, argue that the lack of collateral and lack of excessive interest in micro-lending is consistent with the Islamic prohibition of usury (riba).

Potential Drawbacks

While Islamic financial institutions have made rapid progress in the US in a relatively short time, to date most of the opportunities are only suited for wealthy or upper middle-class customers. Minimum investment for membership in MSI is $1000, while the marketing strategy of BMI Inc. is geared towards Muslims with a net worth of over $200,000. Muslims with middle to lower incomes, who most need assistance with major purchases, are largely unable to partake of such programs. MSI President Masood Ajazi explains the contradiction by pointing out that because there is no guaranteed profit in such transactions, only “low-risk” investors can be considered. Four years ago, he notes, there were no alternatives at all for Muslims in the US desiring interest-free transactions For more reading readers are requesyed to go through the following references. • World Database for Islamic Banking and Finance • Risk and Compliance Management in Islamic Banking – Kit • Islamic Banks and Financial Institutions Information • Islamic Financial Services Board • AIBIM – Association of Islamic Banking Institutions Malaysia • Accounting and Auditing Organization for Islamic Financial Institutions •

Reviewing Islamic Banking •

Muslim Investor:

A community site on Islamic investment, banking, finance and insurance • Value matter of Money – Unfair to Islamic Banking & Finance by Qazi Irfan • Riba and Islamic Banking •

Islamic Banking references •

Institute of Islamic Banking • Islamic Banking Portal • Islamic Finance Directory and Portal • Islamic Banking and Finance symposium podcasts from La Trobe University on iTunes • Islamic Banking / Finance / Takaful Directory • Islamic Banks Directory • References • ^ The Cambridge economic history of Europe, p. 437. Cambridge University Press, ISBN 0521087090. • ^ Subhi Y. Labib (1969), “Capitalism in Medieval Islam”, The Journal of Economic History 29 (1), p. 79-96 [81, 83, 85, 90, 93, 96]. • ^ a b Jairus Banaji (2007), “Islam, the Mediterranean and the rise of capitalism”, Historical Materialism 15 (1), pp. 47–74, Brill Publishers. • ^ Robert Sabatino Lopez, Irving Woodworth Raymond, Olivia Remie Constable (2001), Medieval Trade in the Mediterranean World: Illustrative Documents, Columbia University Press, ISBN 0231123574. • ^ Timur Kuran (2005), “The Absence of the Corporation in Islamic Law: Origins and Persistence”, American Journal of Comparative Law 53, pp. 785–834 [798–9]. • ^ Subhi Y. Labib (1969), “Capitalism in Medieval Islam”, The Journal of Economic History 29 (1), pp. 79–96 [92–3]. • ^ Said Amir Arjomand (1999), “The Law, Agency, and Policy in Medieval Islamic Society: Development of the Institutions of Learning from the Tenth to the Fifteenth Century”, Comparative Studies in Society and History 41, pp. 263–93. Cambridge University Press. • ^ Samir Amin (1978), “The Arab Nation: Some Conclusions and Problems”, MERIP Reports 68, pp. 3–14 [8, 13].

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About the Author:
Ph.D (Animal Reproduction / Gynaecology), Dr. Med. Vet (Animal Reproduction/ Production)
we have tried here an intriduction to Islamic banking .References are cited to go for details.Pl feed back to fastwani@yahoo.com
 
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BMO as this bank is popularly called has more than nine hundred branches. Its clients are more than 7 million. It operates mainly in the country of Canada although it operates branches in Chicago and other different parts of United States.

There are 3 main divisions of the financial services offered by this bank. The three categories are known as ‘client groups’. This name comes from the fact that each of the groups serves and targets a market segment that is different from the other.

Personal and commercial client group is the first category. This department deals with retail financial services of the bank. This means that it offers financial services to businesses and individuals based in Canada. The services include handling checks, savings, personal loans, mortgages, credit cards and debit cards and other retail services.

This section also handles insurance services offered by the bank. These include life insurance and travel insurance. It also offers income annuities for those interested in saving for retirement. Mortgage life insurance is also offered to protect the home upon the death of the insured.

Investment banking group deals with capital markets. The department handles securities, bond markets and equity among others. The main beneficiaries of this segment are corporate companies and the government. They are given advice on the best ways to invest so as to realize maximum earnings from the investments they have made.

Lastly, there is private client group also called wealth management section. The target of this department is clients who have a high net worth. Such customers are assisted in planning their investments. They are also assisted in investing the assets based upon personal criteria and financial expectations. The department also gives advisory facilities in USA.

BMO has social responsibility programs that are strong. Through donations, sponsorship programs and volunteering it is able to invest in its neighborhoods. For instance it makes donations to projects supporting health, arts, culture and education. Projects dealing with athletics, sports and community development are also supported. They also sponsor programs supporting protection and conservation of environment.

Bank of Montreal gives affordable and accessible financial services to customers. The customer has a variety of services to select from. Potential clients can reach them online for answers to any queries that they may have.

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About the Author:
To learn more about big Canadian banks and Bank of Montreal please visit http://www.canadabanks.net.
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Consumers used to have very little choice when it came to the bank they could use. It was usually just whichever bank was closer was “their” bank. But today, thanks to online banks and branch banking, there are many more choices. But with so much choice, you need to compare bank accounts to figure out which one is better for you. Here are some important factors to use when you compare bank accounts.

Compare bank accounts by interest rates: Banks pay interest rates on the money they hold on deposit. Some banks might offer tiered interest rates, depending on how much money is in the account, or they might offer a flat rate, which could vary from one bank to the next. Check out the interest rates and choose the highest, but remember that higher interest rates accounts sometimes come with restrictions.

Compare bank accounts by fees. Banks charge fees and surcharges on various services they offer or features of the account. For example, debit card payments might come with a small fee or writing a check against your balance might have a fee associated with it. Know what those fees are and consider how you typically bank. Find the account with the lowest fees based on the kinds of actions you take with your account.

Compare bank accounts by accessibility. Banks hold your money for you so you can access it. But there are different ways to access your money, depending on your situation. Checks, cash withdrawals in person (at a bank) or cash withdrawals through a bank machine, debit card payments, automatic bill payments, online payments; these are just a few of the many ways that you can access your cash. However, not all banks give all of these options all of the time. Figure out how you like to bank and find an account that offers you the access you desire.

Draw a chart and compare bank accounts for several banks based on these criteria. Ideally you want a bank that offers the highest interest rates, the lowest fees, and the widest accessibility.

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About the Author:
For more information regarding home loan, Compare Bank Accounts , Credit Card Applications and Financial Calculators .please visit: http://www.lowerbills.com.au
 
 
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