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Changes to Financial Reporting Standards in Singapore

by Lawrence @ 3E Accounting Firm Singapore

Changes to Financial Reporting Standards in Singapore To support Singapore’s corporate governance and financial reporting framework, accounting standards are developed for public interest. To promote public confidence in the standards developed from the process, the accounting standard-setting process must be robust and credible.The Accounting Standards Council (ASC) is responsible for the formulation and promulgation of accounting…

The post Changes to Financial Reporting Standards in Singapore appeared first on 3E Accounting Firm Singapore.

Setting Up A Bank Account For Your Child In Singapore

Setting Up A Bank Account For Your Child In Singapore


The New Age Parents

When do you open a bank account for your child? Which bank should you go for? Here is a snapshot of the different bank accounts for children in Singapore.

Why Every Business Needs Expert Accountants

by webmaster @ EAPAC

Why Every Business Needs Expert Accountants In your pursuit to be a more hands-on owner, you just can’t help but spend countless hours computing and figuring out ways to minimise operational and overhead costs while trying to grow and improve your business. So despite your knowledge and understanding of the importance of hiring an accountant, ... Read more

The post Why Every Business Needs Expert Accountants appeared first on EAPAC.

Which bank account should I use?

Which bank account should I use?


JustGiving Help

We can only transfer funds to UK current accounts. At the moment we are unable to transfer funds to bank accounts outside the UK, or to savings accounts, building society accounts or ISAs. I’m rai...

How do I connect a bank account? | ZipBooks

How do I connect a bank account? | ZipBooks


ZipBooks

Sure, entering your transactions into ZipBooks manually is simple. But when you have hundreds of transactions, it can become super time consuming. Make transferring your info to ZipBooks easier by connecting your bank account.  (Note: At this time, we only support U.S. and Canadian banks. Scroll down to learn how to connect a bank account manually) Here’s …

Absa | We offer all types of accounts

Absa | We offer all types of accounts


Absa

From everyday transactions, to online banking and shopping, our bank accounts caters for all your banking needs and more. Explore them now.

Singapore Bank Account | Enterprise Assurance PAC

Singapore Bank Account | Enterprise Assurance PAC


EAPAC

Enterprise Assurance PAC help business owners open a Singapore bank account as part of their company incorporation service.

Best Savings Accounts for Working Adults in 2017

Best Savings Accounts for Working Adults in 2017


DollarsAndSense.sg

Which savings account makes the most financial sense for you?

Why Singapore’s Accountants are the Best in the World

by webmaster @ EAPAC

Why Singapore’s Accountants are the Best in the World Despite the few natural resources of this city-state, Singapore has consistently shown how they could remain as one of the most competitive nations in the globe. And one of the reasons why they continue to rank among the best, pro-business, and most efficient countries is the ... Read more

The post Why Singapore’s Accountants are the Best in the World appeared first on EAPAC.

Electric Ireland’s price increase takes effect

by @ bonkers.ie blog

Electric Ireland received praise from customers and commentators when it announced in October that it would freeze its price until after winter.

The announcement came at a time when other suppliers were hiking prices with little notice and hitting customers with bigger bills at one of the most expensive times of the year.

Well, all good things must come to an end and Electric Ireland’s price freeze is no exception.

From tomorrow, February 1st, over 1.1 million of the supplier’s customers will be paying more for each until of electricity used.

Bills to increase by €35

Electric Ireland’s price increase will add about €35 to average annual bills.

Customers with average consumption will pay about €1,006 for electricity over the next 12 months, as opposed to the €971 they paid over the past year.

The increase is being blamed on increased wholesale energy costs and is generally in line with the increases introduced by other suppliers.

On November 1st, Bord Gáis Energy increased average annual gas and electricity prices by €25 and €57, and SSE Airtricity increased electricity prices by €47 a year.

Then, on December 1st, Energia increased electricity prices by €31, Flogas increased gas prices by €20, Pinergy increased electricity prices by €41 and PrePayPower increased electricity prices by €34.

Electric Ireland’s plan to reward loyalty

Despite the price increase, Electric Ireland has taken measures over the last year to offer long-term savings to its customers.

Last summer, the supplier began adding automatic discounts of between 4% and 8.5% to existing customers’ bills.

The supplier has an estimated 1.13 million electricity customers and holds a market share of nearly 55%, according to the CRU’s Q3 2017 Markets Retail Report.

With so many customers to keep happy, it’s not surprising that the supplier is doing all it can to discourage switching.

How to offset rising energy prices

Ireland’s energy customers haven’t had much to smile about over the last few months.

Seven suppliers have increased prices, the PSO Levy has gone up by 30% and, to make it all even tougher to swallow, in November we learned that Ireland has the fourth highest electricity prices in the EU.

But now for the good news...it’s ridiculously easy to offset the increases.

There are 10 energy suppliers to choose from and most of them are currently offering massive discounts and cashback to new customers who switch.

In fact, there’s an average of €380 to be saved by switching at the moment - more than enough to cancel out your price increase and the PSO Levy hike and leave you with some leftover savings for yourself.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

E-Newsletter February 2018

by Lawrence @ 3E Accounting Firm Singapore

Dear Reader, Welcome to our E-Newsletter February 2018  I hope 2018 is treating you well! 2017 is now in the books. Looking back, the year was marked by volatility. The global economy had its ups and downs and the Singaporean property market experienced significant swings. Despite the challenges, we can see that the Singaporean economy…

The post E-Newsletter February 2018 appeared first on 3E Accounting Firm Singapore.

Singapore’s Per Diem Allowances Update

by Lawrence @ 3E Accounting Firm Singapore

Singapore’s Per Diem Allowances Update Per diem, which is Latin for “per day” or “for each day” or daily allowance, is a specific amount of money an organisation gives an individual, often an employee, per day to cover living expenses when traveling for work. A per diem can include part or all of the expenses…

The post Singapore’s Per Diem Allowances Update appeared first on 3E Accounting Firm Singapore.

Tax Executive/Senior Tax Executive

by Singapore Company Incorporation @ Singapore Company Incorporation

  Responsibilities Responsible for preparing individual and corporate tax returns and tax computations for a portfolio of clients Handling tax queries from the IRAS Any other ad-hoc duties as assigned by Tax Managers Requirements 1 – 4 years’ experience in corporate and individual taxes (Entry level candidates may apply for Tax Executive position) Accountancy Degree […]

The post Tax Executive/Senior Tax Executive appeared first on Singapore Company Incorporation.

The Evolving Role of Accountants in Singapore

by webmaster @ EAPAC

The Evolving Role of Accountants in Singapore Not so long ago, accountants are seen as ‘counting machines’ - hired to take care of balancing your books, managing (or reducing) your taxes, overseeing cash flow, and the like. Many traditional business owners see them as professionals who are technically interchangeable as their tasks are process-based, nothing ... Read more

The post The Evolving Role of Accountants in Singapore appeared first on EAPAC.

Bord Gáis Energy launches new bonkers.ie exclusive energy deals

by @ bonkers.ie blog

It’s been a rough couple of months for Irish consumers, with gas, electricity and broadband providers announcing price hikes right, left and centre, with many of these increases coming into effect just before Christmas last month. 

However, we've seen some value return to the energy market this month, as earlier this week both SSE Airtricity and Just Energy launched new discount offers and now Bord Gáis Energy has joined their ranks with some new special offers of its own. 

From today you’ll be able to save an average of €194.31 by switching your electricity bills or €288.05 by switching your gas and electricity to Bord Gáis Energy.  

Save €194 on electricity

Bord Gáis Energy is offering a 28% electricity discount to new customers who sign up via bonkers.ie from today. 

With the discount included, customers will pay 13.26 cent (inc. VAT) per kWh of electricity over the course of a 12-month contract. At this rate, customers with average consumption will spend about €810.93 on electricity over the course of the year, with all taxes and charges included.

That’s about €194 cheaper than typical standard rates and makes this deal from Bord Gáis Energy the cheapest on the market right now.

Save €254 on gas and electricity

If you decide to switch dual fuel, Bord Gáis Energy is offering a 31% electricity discount and an 18% gas discount to new customers who sign up via bonkers.ie.

With the discount included, customers will pay 12.70 cent (inc. VAT) per kWh of electricity and 4.776 cent per kWh of gas over the course of a 12-month contract.

On these rates, customers with average consumption will spend about €1,452.26 on gas and electricity over the course of the year, with all taxes and charges included, making this deal from Bord Gáis Energy the cheapest dual fuel offer on the market right now.

Time to switch? 

These are some great value offers from Bord Gáis Energy and if you haven't switched suppliers in the last year, it's definitely worth carrying out a quick comparison on bonkers.ie to find the best deal for you. Need more convincing? Check out the video below:

The switching process only takes a few minutes and you’ll only need three pieces of information to sign up; your MPRN and GPRN (which are written on your electricity and gas bills respectively) as well as a recent meter reading.

Don’t forget to compare all deals

If you are thinking of switching, be sure to compare all deals from all suppliers before you make any decisions to make sure that you’re getting the best deal for your own personal consumption habits.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

What Is IRS Form 1099-Q?

by Karin Hernandez @ ZipBooks

If you’re paying for education expenses out of a tax-free education account for yourself or a dependent, then you’ll receive a 1099-Q form from your plan administrator at the end of the year. The 1099-Q details the distributions that you received from your qualified tuition program. As long as the distributions are spent on “qualified […]

The post What Is IRS Form 1099-Q? appeared first on ZipBooks.

7 Best Credit Cards for Expats in Singapore

by singaporeguest @ Singapore Expats Guide

As an expat, the first consideration when deciding on the right credit cards for you in Singapore, is whether you will be staying in the Lion City for long. Some of the best cards are issued by local banks. These cards are very strong, but generally rooted in the region, with many of the benefits fo...

The post 7 Best Credit Cards for Expats in Singapore appeared first on Singapore Expats Guide.

How Having A Singapore Corporate Secretary Helps Facilitate AGMs

by Admin @ Company Registration in Singapore, Business Incorporation & Formation Services

Corporations in Singapore are legally required to conduct a certain number of mandatory meetings, namely between shareholders and directors. As a business owner, keeping track and arranging for these mandatory meetings can be difficult; on account of all other pressing matters that requires attention. Yet failing to conduct these meetings can lead to serious repercussions.…

The post How Having A Singapore Corporate Secretary Helps Facilitate AGMs appeared first on Company Registration in Singapore, Business Incorporation & Formation Services.

New Look for ACRA’s Bizfile+

by Lawrence @ 3E Accounting Firm Singapore

New look for ACRA’s Bizfile+ The Singapore Accounting and Corporate Regulatory Authority (ACRA) recently introduced a new online filing and information retrieval system called BizFile+. The new system allows the public to access a suite of over 400 electronic services ranging from the submission of statutory documents, to retrieval and purchases of information pertaining to business entities…

The post New Look for ACRA’s Bizfile+ appeared first on 3E Accounting Firm Singapore.

Hong Kong banks offer savers better interest rates but only on yuan deposits

by pin @ Hong Kong Expat Forums

HSBC raises yuan deposit rate to 3.8pc after Bank of China raised it to 4pc Hong Kong banks...

Great Reviews on InCorporate.sg

by Lawrence @ 3E Accounting Firm Singapore

Great Reviews on InCorporate.sg 3E Accounting is happy to announce that we are having great reviews on the corporate service comparison website InCorporate.sg, a company that provides aspiring entrepreneurs with a jumpstart in their startups. Both companies enrich and educate entrepreneurs of the important aspects of business in Singapore to prevent costly mistakes later on. Sharing…

The post Great Reviews on InCorporate.sg appeared first on 3E Accounting Firm Singapore.

Quick Tips to Set Up Company Bank Account in Singapore

Quick Tips to Set Up Company Bank Account in Singapore


Company Registration in Singapore, Business Incorporation & Formation Services

Want to know more on setting up limited company bank account in Singapore? Visit us now to learn the tips on how to open a business bank account quickly.

Singapore – Malaysia Trade Link Set to Reap Benefits

by Lawrence @ 3E Accounting Firm Singapore

Singapore – Malaysia Trade Link Set to Reap Benefits   The proposed link between the Singapore and Malaysia stock markets has the potential to increase securities revenue for the Singapore Exchange (SGX) and likely generate interest, particularly among retail investors.   While it is too early to calculate any benefits from, DBS Group Research, said…

The post Singapore – Malaysia Trade Link Set to Reap Benefits appeared first on 3E Accounting Firm Singapore.

Best bank accounts in Singapore

Best bank accounts in Singapore


MoneyDigest.sg

Hey folks, it's time to wake your money up! If you have come to this page looking for the best bank accounts in Singapore that offers the highest interest rate, look no further. In a low interest rate environment, everyone should aim to put their savings...

TIS sets another record year and has further plans for growth

by Marcio Ferreira @ Treasury Intelligence Solutions

For TIS, the leading SaaS solution for the management of company-wide payment, liquidity and bank relations, 2017 is a record ...

Der Beitrag TIS sets another record year and has further plans for growth erschien zuerst auf Treasury Intelligence Solutions.

Sale finalised means iconic Pearl Bank Apartments will be demolished

by Joshua Lee @ Mothership.SG

Conservation requires 100% of votes whereas a sale only needs 80%.

How to Open a New Zealand Bank Account

How to Open a New Zealand Bank Account


Backpacker Guide New Zealand

Everything you need to know about opening and closing a New Zealand bank account for backpackers and students, including a NZ bank account comparison.

Breaking up is easy with bonkers.ie

by @ bonkers.ie blog

One of the most inconvenient, needless to say, most boring parts of being an adult is having to take care of a litany of household bills that we’d rather not think about on a daily basis. In fact, the less time spent thinking about them the better!

At bonkers.ie we’re all about making things like switching consumer service providers to make sure you’re always on the best deal for you as easy and as hassle-free as possible!

In this article, we’ll give you a refresher on just how easy it is to use bonkers.ie to switch broadband, phone & TV providers, energy suppliers as well as mortgage lenders.

No one likes that awkward cancellation conversation. Compare providers and deals to find the best one for you, then let us take the wheel and do your breaking up for you!

#BreakUpsByBonkers

Broadband, Phone & TV  

Fed up with super slow broadband speeds when you’ve been advertised just the opposite?

Find you’re paying far too much for a landline connection you rarely use?

Looking to upgrade your TV package so you can kick back to some premiere live sports in the comfort of your own home rather than trekking down to the pub every time you want to watch a match?

If you answered yes to one or more of these questions, it might be time to break up with your current provider and find a better deal.

On bonkers.ie you can compare all broadband, phone & TV deals including details of price plans, broadband download speeds, TV channel packages, landline packages, bundle options and any perks that come with a particular deal, across all major providers on the Irish market.

There is some great value to be found on the market right now, with both Virgin Media and Vodafone offering compelling January sale deals. Better hurry though, there’s just a week left to snap these offers up before they revert to standard pricing!

Gas & Electricity

If there’s any household utility you should make a habit of reviewing and switching every year it’s your household’s energy bills.

Why? Simple. It pays to do so!

Lots of people are unaware that in a pretty saturated market (Ireland now has a total of 10 energy suppliers to choose from) suppliers find themselves in a position where they need to offer enticing sign-up incentives in order to attract new customers and drive up the competition.

This is good news for customers because it means that if you shop around you more than likely will find some great discounted sign-up offers and these typically last for the duration of 12 months (also typically the standard length of a contract). These discounts make for some significant savings on your energy bills.  

In fact, you could make an average saving of €379 right now by switching your gas and electricity from standard rates to the cheapest deals currently on offer.

Mortgages

When we think about switching service providers, switching providers for something as big as a mortgage is not something that pops into mind straightaway and the exceptionally low figures for people carrying mortgage switches in Ireland reflect this mindset.

Though just 777 borrowers switched or remortgaged in the third quarter of 2017, it represents a 15% growth on the year and it’s expected that those figures are only going to grow in 2018.   

In fact, experts at MyMortgages.ie have predicted that switching will experience double-digit growth in the first six months of the year. This is because an increasing number of mortgage holders are becoming aware that switching to a lower rate can potentially save them thousands on the remainder of their loans!  

Check out this example to see what we mean:

A couple with €390,000 (LTV <80%) outstanding over 28 years on a 4% variable rate switched lenders to a 4 year fixed rate of 2.6% bringing monthly repayments down by €300, saving interest of €99,000 over the remaining term!

Like those figures? Why not compare mortgages right now and see how much you could save.

Looking for more info?

If you’d like to find out more about on any of our comparison services - which are not limited to those mentioned above but also cover health insurance, serious illness cover, personal loans, credit cards, prepaid cards and current accounts - you’ll find that each sector has its own dedicated price comparison calculator.

Additionally, we have a very active a thorough blog dedicated to providing coverage on changes in the markets we cover as well as advice and tips on how to save money.

Don’t forget to check out bonkers.ie TV too which also covers all of these topics in video form.

Finally, to make sure you never miss out on the latest personal finance news, you should follow us on social media. We’re very active on Facebook, Twitter, LinkedIn, Instagram and Google Plus. You can contact us during business hours on any of these platforms and we’ll get back to you double quick!  

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Open banking is coming and it's going to change everything

by @ bonkers.ie blog

In the last couple of weeks or months, you may have received an email or letter from your bank informing you of changes known as PSD2 coming into effect in early 2018. If you’re the curious sort, you probably looked into it yourself - but, if like me - you saw an email with the less than compelling subject line of “PSD2 is coming” or something to that effect, you probably scrolled right on past it and went on with your day...

No, it wasn’t just some small and inconsequential change to your bank’s terms and conditions, it’s actually quite a big deal and could have the potential to change how we conduct our day-to-day finances forever.

So, what’s it all about? The very short answer? Banks are now required to grant access to customers’ account details to third parties (at the customers’ discretions of course).

The long answer is a lot more complicated but we’ll endeavour to provide a fairly comprehensive overview of the new EU regulation and what it will mean for you, for banks and for other affected parties.   

What is PSD2?

The ‘2’ in ‘PSD2’ refers to the fact that it is a revised edition of the first Payment Services Directive which was introduced in 2007. PSD1 was designed to create a single market for the payments with the EU.

As time went by, and as customer demands changed and the market saw a distinct growth in new payment-related FinTech (or financial technology) companies, PSD2 seeks to level out the playing field to include all kinds payment service providers and not just traditional banks.

As previously mentioned, PSD2 requires banks to open their payments infrastructure and customer data assets to new forms of payment organisations. This means that banks’ application programming interfaces (or APIs) must be accessible, and they also must ensure strong customer protection through enhanced security measures. This will enable third-parties to build financial services on top of banks’ data and infrastructure.

The new directive aims to drive innovation and transparency amongst banks and fintech companies, reinforce consumer protection, improve internet security where payments are concerned, while also generating more competition in the market for the benefit of consumers.

How will PSD2 affect the banks?

PSD2 poses a real shake-up for banks because it introduces quite a few risks for them, chief among which is the threat of being reduced to a mere infrastructure provider by third party providers who’ll be able to position themselves between them and customers.

Commentators on PSD2 have noted that though open banking poses a threat to banks, it also serves a catalyst for growth and opportunity. Banks who focus on innovation, customer-centricity and collaboration with FinTechs will be those who emerge victorious on the other side.  

Banks are going to have to work very hard to establish methods of combating new players stepping in on their existing business models. PwC suggests a few ways that they could do this; for instance, by offering competitive, user-centric services themselves or interfacing with other banks to provide a comprehensive service that improves the relationship with their existing customers and is attractive to new customers.

We’ve already seen banks experimenting with their APIs and collaborating with fintechs in the last few years (think Apple Pay and Android Pay) in response to changed customer expectation and increased digitalisation, so it will be very interesting to see what kind of customer-centric innovation we will see in the coming years driven by open banking.

Let’s hope it can only mean good news for you and your bank!

How will PSD2 affect me as a banking customer?

So, what will open banking mean for you in a more tangible sense, you ask?

Essentially, PSD2 will break down your bank’s monopoly on your data. It will allow a variety of businesses to retrieve your account data from your bank (always with your permission) to make payments. For example, in the next couple of years you could find yourself paying your bills via Google or Amazon.

The number of new services that could arise as a result of PSD2 regulation are numerous, as suggested by this list of suggestions from PwC;

  • Innovative payment services from merchants that wouldn’t require cards.

  • Apps that give access to information through a single touchpoint or an app that aggregates and monitors expenses across various different bank accounts.

  • Cardless withdrawal via NFC technology will become a convenient and popular option.  

  • Already an existing technology, we could see location-based couponing gaining a lot more traction. This is where nearby companies reach out to you via your smartphone to offer discounts and coupons.

  • Instant P2P payments: Instantaneous payments via mobile wallet on many p2p accounts and towards operators with advanced features

  • Decoupled cards (debit cards not issued by, and not tied to, any particular bank) offering decoupled from payment accounts.

The future is bright

PSD2 shouldn’t be a cause for worry for banking customers, indeed it looks as if it’s the banks who are going to have to make all the effort to keep us interested as the market is opened up to newcomers, doubtlessly offering new and innovative digital financial solutions.

Here at bonkers.ie, we’re expecting to see some interesting things in the coming months and years.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

eir vs Sky vs Virgin Media vs Vodafone – how do they compare?

by @ bonkers.ie blog

If I was to ask you what you look for in a broadband plan, what would you say?

You’d want it to be fast and reliable, right? And not too expensive? Maybe you’d like to see if there are any nice sign-up up bonuses too. Sometimes, these can be very nice indeed!

There a lots of other nitty-gritty details such as landline minutes, HD compatibility and extra TV channels that might be of interest to you too.

But let’s be honest, these features aren’t the most important things to be considering when signing up to a 12- or 18-month contract, are they? They’re side-notes.

Chances are, you mostly care about three basic things when picking a bundle:

    1. What you get

    2. What it costs

    3. What sign-up bonuses are on offer

So let’s put a pin in the distracting details, introductory discounts and head-spinning marketing messages and take a look at how the main providers really stack up.

To create as level a playing field as possible, we’ll compare the entry-level Tripleplay bundles (that’s broadband, TV and home phone) from eir, Sky, Virgin Media and Vodafone. And to make the pricing as clear as possible, we’ll compare the average monthly cost over the course of the contract with each.

Right, them’s the rules. Now let’s get comparing!

eir

1. What do you get?

With eir you get unlimited 100 Mb broadband, a home phone plan and over 50 digital TV channels. Great!

2. What does it cost?

It’s an 18-month contract and costs €50 a month for the first 12 months and €91 a month after that. So, the average monthly cost over the course of the contract is €64.

3. What sign-up bonuses are on offer?

Here’s where it gets really good.

You get eir Sport for free which comes with seven premium live sports channels that usually costs about €20 a month.

With such a long discount and sign-up bonuses like free access to sport, eir will take some beating. And you can sign up to this eir deal now.

Let’s see if Sky can take them on.

Sky

1. What do you get?

With Sky, you get unlimited 100 Mb broadband, a home phone plan and over 50 digital channels. So, essentially the same as eir.

2. What does it cost?

It’s a 12-month contract and the monthly price is €64.50 a month for the first year, rising to €84.50 thereafter. Since it’s a 12-month contract, the good news if you want to leave once the discounted rate comes to an end, you can!

This Sky bundle is available for sign up now.

3. What sign-up bonuses are on offer?

With Sky, you get access to the ridiculously popular Sky Atlantic. Good news for Game of Thrones addicts!

Virgin Media

1. What do you get?

With Virgin Media, you get unlimited 240 Mb broadband, a home phone plan and over 50 digital channels. So, faster broadband than eir and Sky.

2. What does it cost?

Virgin Medias offering €25 off its standard pricing for this offer for the first 12 months (or the entire length of your contract!) so you'll pay €64 per month for the first 12 months, after which the price will rise to €89 a month. As with Sky, it's a 12-month contract so you can switch providers again once the special discount rate comes to an end. 

3. What sign-up bonuses are on offer?

As a new Virgin Media customer, you’ll have exclusive access to its Red House Ninja service. A team of tech experts will visit your home and make sure that you’re getting the best out of your Virgin Media services. The team will install the best modem, check the Wi-Fi signal in every room, repair any old wiring issues, connect all home devices, give advice on how to maximise your in-home speed, as well as ensuring that you are getting the most out of your TV service.

You can sign up for this Virgin Media deal right here, right now.

Vodafone

1. What do you get?

With Vodafone, you get unlimited 100 Mb broadband, a home phone plan and over 50 digital channels. So, basically the same as eir and Sky, but the broadband ain’t as fast as Virgin Media’s.

2. What does it cost?

Until the end of February 2018, you can sign up for this offer and pay just €25 per month for the first 6 months, rising to €80 per month after that. It’s an 18-month contract so the average monthly cost works out at €61.67.

3. What sign-up bonuses are on offer?

You can pick between 6 months of free eir Sport or 6 months of free multi-room viewing.

This Vodafone offer is up for grabs right now.

Who wins?

Well, it’s impossible to pick a clear winner across the board.

Virgin Media has the fastest broadband at the moment but eir and Sky have great sign up incentives.

The key point here is that there are some genuinely fantastic Tripleplay offers out there at the moment.

If you aren’t happy with your broadband speed or the price you’re paying, there’s no reason to settle. All of the deals we’ve covered are available for sign up on bonkers.ie right now.

Provider

Core features

Avg monthly price

Sign up bonus

eir

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • free eir Sport

Sky

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64.50

  • free Sky Atlantic

Virgin Media

  • 240 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • Red House ninjas

Vodafone

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€61.67

  • 6 months free eir Sport or

  • 6 months free multiroom

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Switching mortgages: what are the legal fees and which banks will pay them for you?

by @ bonkers.ie blog

Figures from the Banking and Payments Federation of Ireland reveal that just 777 borrowers switched or remortgaged for the third quarter of 2017, and though that number seems small, it represents a 15% growth on the year.

Experts at MyMortgages.ie have predicted that switching will experience double-digit growth in the first six months of 2018. This is because an increasing number of mortgage holders are becoming aware that switching to a lower rate could potentially save them anywhere in the region of €311 per month and €112,000 over the lifetime of an average €350,000 mortgage.

So, with so much to save, why have mortgage holders been so slow to switch?  

Well, switching can be scary, particularly when it comes to your biggest monthly bill. Then there’s all the paperwork and small print. And significantly, there’s also the murky legal fees that are associated with switching too.

If you’re like me, you recoil at the sound of ‘legal fees’, assume that they will always be big, and feel uneasy about the prospect of spending a lot of money without really knowing what it’s going towards.

So, let’s take a closer look at those legal fees, see what they’re for and find out how much they’ll cost you.

Why do I need to pay legal fees to switch mortgage providers?

If you decide to switch mortgage providers, you must employ a solicitor to take care of the processing, paperwork and liaising. Thankfully, when it comes to switching, the cost and workload for the solicitor is about half of what it is when buying a new property.

Most of your legal costs will go on your solicitor’s professional fee, with some extra euro going on his/her outlays, associated costs and, of course, VAT. Here’s a summary of what they’ll do for their fee:

1. First, your solicitor will request the deeds to your home from your old bank and act as the point of contact with your new bank for the switching process.

2. Your solicitor will then invite you in for a consultation to go through the loan offer from your new bank and to advise on any questions or concerns you might have.

3. If you’re happy to proceed with the switch, you’ll sign a new loan agreement, which your solicitor will send to your new bank. If you wish to add a new name to the title deeds of your home, your solicitor can help with that too.

4. Once there’s a legally-binding contract in place, your solicitor will continue to deal with your new bank (and a broker, if there’s one involved) until your loan cheque is issued.

How much can I expect my legal fees to be?

On top of the professional fees for the basic legal services provided by your solicitor, there will also be some “outlays”, which must be covered too. This includes the consultation time, along with the cost of the paperwork and administration. And then there’s VAT.

Although not strictly a legal fee, there is always a valuation fee associated with switching mortgages too, which will cost you between €150 - €250 plus VAT.

All in, legal fees for switching mortgage providers should amount to somewhere between €1,200 and €2,000.

Which banks will cover my legal fees when I switch?

As a clear sign of increasing confidence in Ireland’s property market, most banks are now offering to cover some or all of your legal fees to encourage borrowers to switch. Here’s what’s on offer:

Bank of Ireland – 3% cashback on the mortgage’s total value

If you switch your mortgage to Bank of Ireland before June 30th 2018, you’ll receive an unlimited 2% cashback return on the total value of your mortgage.

So, if you’re buying a home for €200,000 and are taking out a €180,000 mortgage, you’ll get €3,600 back straight away. That will cover your legal fees and should still leave you with something left over for a new coffee machine for your kitchen.

If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). 

KBC - €3,000

If you switch mortgages before March 31st 2018, KBC will contribute €3,000 towards your legal fees. You’ll receive this tidy sum within 30 days of drawing-down your mortgage, and it should cover your legal fees in full. KBC is also offering a 50% discount on its Home Insurance product for 12 months if you switch.

Ulster Bank - €1,500

By switching your mortgage to Ulster Bank, you’ll get €1,500 towards your legal fees. This offer is available until June 30th 2018.  

Permanent TSB - 2% cashback

Switch mortgages to Permanent TSB before March 31st, 2018 and you’ll get 2% cashback on your mortgage at drawdown and now 2% cashback on your mortgage repayment every month until 2027. What does that mean? Check out the following example:

Let's say your mortgage amount is €300,000. At drawdown, you'll get €6,000 back in cash and then you'll get a further €29.40 per month (€352.77 per year) until 2027. (Monthly cashback based on 3-year fixed rate of 3.30% over a 25-year term paid to 2027).

AIB - €2,000

To help cover your switching legal costs, AIB will pay you €2,000 into the current account you use to pay your new mortgage within two months of your switching.

Mortgage interest rates are where the real savings lie

While the prospect of having all switching legal fees covered is enticing, it is the interest rate on offer that will determine whether or not switching mortgages will save you money over the lifetime of your loan. Our mortgage calculator will help you determine where your best long-term option lies.

There are potentially tens of thousands of euros to be saved by switching mortgages. The banks' incentives to switchers are a sign of increasing competition in the mortgage market, which is promising for borrowers. The incentives on offer also confirm that short-term financial costs shouldn't be a deterrent to switching for borrowers who believe they are over-paying, and we hope to see the number of mortgage switchers continue to increase over the coming months.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Hong Kong banks offer savers better interest rates but only on yuan deposits

by pin @ Hong Kong Expat Forums

HSBC raises yuan deposit rate to 3.8pc after Bank of China raised it to 4pc Hong Kong banks...

Best Business Bank Accounts in Singapore: DBS, OCBC, or UOB? | Talenox Blog - HR Tech Resources for SMEs

Best Business Bank Accounts in Singapore: DBS, OCBC, or UOB? | Talenox Blog - HR Tech Resources for SMEs


Talenox Blog

Apart from its strict laws and multicultural society, Singapore is well known for its established and diverse financial sector. Ranked one of the most competitive financial centres in the world, the island republic is set to become even more attractive to businesses as it eagerly welcomes the digital age. While the Singapore government pushes the boundaries with its Smart Nation initiative, banks are taking the cue and becoming more innovative with their processes. This has resulted in the rapid growth of the FinTech industry, meaning that setting up of a business entity in Singapore is now just a few clicks away. Image source First things first: The sign-up Where the general experience with opening an account is concerned, DBS wins hands-down. It takes 5 minutes to apply for a DBS Business Account from the DBS site, as opposed to waiting hours in a queue at OCBC and UOB. Applying for a DBS Business Account has been one of my favourite banking experiences and it shows DBS' commitment

What Is IRS Form 1099-SA: Distributions from an HSA, Archer MSA, or Medicare Advantage MSA?

by Karin Hernandez @ ZipBooks

While most health insurance plans offer the ability to pay for your premiums with pre-tax dollars, there are now some plans that offer additional tax-free or tax-deferred benefits. If you participate in a high-deductible plan that is paired with a Health Savings Account (HSA) or Medical Savings Account (MSA) for your out-of-pocket expenditures, then your […]

The post What Is IRS Form 1099-SA: Distributions from an HSA, Archer MSA, or Medicare Advantage MSA? appeared first on ZipBooks.

Dutch bank account

Dutch bank account


Utrecht University

Dutch bank account

The countdown to the 2018 bonkers.ie National Consumer Awards is on!

by @ bonkers.ie blog

We can’t wait to see all of the shortlisted nominees next Thursday at the beautiful Round Room at the Mansion House. Speaking of the shortlist, let’s remind ourselves which companies made the grade this year… 

Virgin Media leads the way with six nominations, Energia and Electric Ireland both have five nominations and eir has four.

Below is a full list of the companies that made the shortlist and you can view all of the categories on our dedicated awards site here.

The Shortlist:

  • Bord Gáis Energy

  • Eir

  • Electric Ireland

  • Energia

  • Flogas

  • Just Energy

  • KBC Ireland

  • Netflix

  • NOW TV

  • Pepper Mortgages

  • Permanent TSB

  • Pinergy

  • Pure Telecom

  • Sky Ireland

  • SSE Airtricity

  • Virgin Media

  • Virgin Mobile

The bonkers.ie National Consumer Awards will celebrate excellence in customer value in thirteen categories across banking, broadband & TV, energy, marketing and service.

The winning company in twelve of the thirteen categories will be selected by an independent judging panel, which is chaired by Bobby Kerr and includes an array of industry experts such as Michael Mulhall, Peter Callan and Lucy Campbell.

Best Customer Service – public vote

The winner of the Best Customer Service category will be selected by members of the public. This highly competitive category will be contested by Electric Ireland, Flogas, Pure Telecom, Sky, SSE Airtricity and Virgin Media.

A night to remember...

If the resounding success of last year’s awards is anything to go by, attendees are in for a treat! We look forward to greeting you at 6.30PM next Thursday but until then be sure to check out our awards website for full details of what’s in store.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Fixed 2% mortgage rates on the way for some first-time buyers

by @ bonkers.ie blog

The challenges facing Ireland’s first-time buyers are well-documented.

Rents are at an all-time high, house prices are up 9.2% year on year and the banks still require a minimum deposit of 10% from first-time buyers looking to get on the property ladder.

Coupled with a chronic housing shortage, these conditions have created a perfect storm of barriers for prospective buyers.

To help make housing more accessible, the Government recently renewed its commitment to the Help-To-Buy Scheme and has now launched a new initiative, designed to help certain first-time buyers who have been unsuccessful in their attempts to make that elusive house purchase.

What are the details of the new scheme?

From February 1st, first-time buyers who meet certain criteria (detailed below) will be able to apply for a Government-funded Rebuilding Ireland Home Loan from a local authority.

The Government has committed €200 million to the scheme for 2018. If it’s successful, this amount could be increased next year.

What are the eligibility criteria?

To qualify, first-time buyers must have a gross annual income of €40,000 or less; couples applying together must earn must earn €75,000 or less.

Applicants must also have had mortgage applications rejected or been offered a loan that wasn’t large enough to make a purchase on at least two occasions.

What type of property can be purchased with a Rebuilding Ireland Home Loan?

Rebuilding Ireland Home Loans can be put towards new builds, second-hand homes and self-builds.

Houses with a value of up to €320,000 in the greater Dublin area, Cork and Galway can be purchased under the scheme. In all other parts of the country, values are capped at €250,000.

The Central Bank’s loan-to-value ratio rule still applies, meaning that first-time buyers must provide a deposit of 10% when making a purchase.

What mortgage rates are available?

Mortgage rates of as little as 2% to 2.25% are available with a Rebuilding Ireland Home Loan.

Significantly, these rates are fixed for 25 to 30 years, giving certainty and peace of mind to borrowers.

These rates will be the lowest first-time buyer rates available on the Irish market by some margin.

How do Rebuilding Ireland Home Loan rates compare to the banks’ best rates?

Ireland’s mortgage rates are still among the highest in the EU, despite cuts from most leading lenders in 2017.

The best first-time buyer rate available at the moment is 3.15%. So, a Rebuilding Ireland Home Loan will be significantly cheaper over the lifetime of a mortgage.

Take a first-time buyer looking to buy a house in Dublin for €320,000, for example. Let’s say she/he has the requisite 10% deposit (€32,000) and is looking to borrow the remainder; €288,000.

With a repayment rate of 3.15%, her/his monthly repayments will be €1,388 every month. Over 25 years, that’s a total of around €416,000.

With a fixed rate of 2%, however, a mortgage for the same property would cost €1,220 every month, or about €366,000 over 25 years. That’s over €50,000 cheaper.

How can I apply?

The Government's new scheme will launch on February 1st when rebuildingirelandhomeloan.ie goes live.

First-time buyers who don’t qualify for a Rebuilding Ireland Home Loan should compare mortgage rates from Ireland’s leading lenders to find the best rates available.

Pressure on the banks

This latest attempt by the Government to tackle Ireland's housing issues is unlikely to solve the fundamental problems of low supply and pent-up demand, but it should significantly help a select group of first-time buyers.

The greatest impact of the initiative could be the pressure it puts on Ireland's leading lenders. Borrowers across the country will rightfully wonder why it is feasible for the Government to fund loans at 2% over 25 years, at a time when traditional lenders still seem reluctant to offer sub-3% loans to anyone.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

How to Connect a Bank Account to Wave

How to Connect a Bank Account to Wave


Help Center

Love typing long lists of transactions? No? OK then – here's how to connect your bank accounts to Wave, so that your transactions can update automatically!To connect a bank account to Wave:Click...

ZipBooks Announces Personalized Machine Learning for Better Bookkeeping

by bradhanks @ ZipBooks

ZipBooks is pleased to announce the launch of personalized machine learning to make accounting simpler for ZipBooks subscribers. This enhanced experience will automate simple accounting tasks, beginning with categorizing transactions. Based on a limited trial rollout, a spokesperson for ZipBooks noted that auto-categorization saved business owners an average of 1.7 hours each month on bookkeeping, […]

The post ZipBooks Announces Personalized Machine Learning for Better Bookkeeping appeared first on ZipBooks.

Workplace Injuries: Two Employers Fined

by Lawrence @ 3E Accounting Firm Singapore

Workplace Injuries: Two Employers Fined Two employers were fined in November last year in the State Courts for failing to insure and maintain work injury compensation insurance for their employees. Valiancy Enterprise LLP (‘Valiancy’) and Suriakumar Ridgeway S/O Ramaiah (‘Suriakumar’), the sole proprietor of Ridgeway Marine & Construction, were also fined for failing to pay…

The post Workplace Injuries: Two Employers Fined appeared first on 3E Accounting Firm Singapore.

Opening a Corporate Bank Account in Singapore | Registration Guide

Opening a Corporate Bank Account in Singapore | Registration Guide


Singapore Company Incorporation

Understand the intricacies of opening a corporate bank account in Singapore, including the ease of doing so, banks available, fees required & timeline.

eir extends 12-month discount offers deadline

by @ bonkers.ie blog

eir has extended the deadline for introductory 12 month discounts on certain bundles, meaning you can make significant savings across dual, triple and quad play deals if you snap them up in time! Let’s take a look at the deals in question.

Dualplay: eir Superfast broadband, Unlimited Mobile & UK Calls

For customers looking for a great broadband and home phone package, this could be the perfect fit.

This competitive dualplay deal is now available to new customers for as little as €40 per month for the first 12 months, rising to €76 per month thereafter.

This shows a total saving of €462 for the first year of your contract.

Tripleplay with TV: eir Vision TV Essential, Broadband, Unlimited Mobile & UK Calls

If you’re in the market for a great new tripleplay deal, you can’t really go wrong with introductory rates like these.

New customers signing up to this tripleplay bundle can expect to pay €45 per month for the first 12 months, rising to €91 per month thereafter.

This makes for a saving of €522 in the first year of your 18 month contract. 

Looking for mobile too?

The value doesn’t end there, however, as customers looking for a bundle that includes mobile in the offering are also looked after.

Customers looking for tripleplay bundles that include mobile rather than TV or indeed quadplay bundles that include all four elements (broadband, home phone, TV and mobile) can also expect 12 month price discounts.

FREE access to eir Sport

Don't forget that customers who sign up to any eir deal also get free access to eir Sport - eir's premium seven channel sports package! 

Is it time to sign up with a new provider?

In the last few months of 2017, we saw all four of Ireland’s biggest broadband providers announce unwelcome price increases but it’s great to see eir compensating by offering such competitive deals to new customers. 

But remember these deals won't last! These discounts will only be available to those who sign up to eir before the 14th of February, 2018. 

If you’re thinking of switching providers to find a more competitive deal, make sure to compare all deals across all providers using our price comparison calculator to ensure that you’re getting the very best value for money.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Guide to student bank accounts in the UK

Guide to student bank accounts in the UK


Times Higher Education (THE)

Which is the best student bank account in the UK? Compare what each bank is offering with this comprehensive table 

9 Tips for Opening a Bank Account in Singapore - Singapore Expats Guide

9 Tips for Opening a Bank Account in Singapore - Singapore Expats Guide


Singapore Expats Guide

With a wide variety of international and local banks in Singapore, it can be difficult to select the right bank. As you struggle through a labyrinth of transaction fees and paperwork, you may start to wonder if visiting exotic lands is worth all this trouble. Having thrown myself into the morass, I have survived to compile an easy guide for you to follow, which will render the entire process a walk in the park! If you are an overseas resident and want to open an account in Singapore before actually moving here, you can do so easily. You do not even need to visit Singapore to open an account! You apply online by submitting an application form to your chosen bank, if you have your documentation in order. However, this process is restricted to residents from certain countries – before trying to open an account in a bank in Singapore, always check the bank’s website for eligibility. Irrespective of your nationality, the following tips may come in handy for opening a bank account! 1. Assembling the required paperwork The first thing you need to keep in mind is the paperwork involved in opening an account, whether you are a foreigner or a resident of Singapore. You will need a valid passport, a study or work visa, address proof like a utility bill or an official letter from your school or employer, and a reference letter from your current bank if you are a foreigner. If you are a dependent spouse, you cannot have an individual account, and can only operate a joint account with your working spouse. After you gather the necessary paperwork, your next task is to select the bank to open your account. 2. Accessibility of ATMs and bank branches Most banks with foreign origins have restricted presence in Singapore, and only operate through a few branches that are located primarily in the financial district or upscale areas. Locating a bank that has a branch near your residence and workplace should be top priority, in the event of financial issues that can only be resolved through personal meetings. The chosen bank should also have a large number of ATMs located throughout Singapore, letting you withdraw cash without charge as and when required. The ATM5 network comprises of major international banks like ANZ, HSBC and Standard Chartered, and participating Citibank and Maybank ATMs that bear the ATM5 logo. The participating ATMs offer free withdrawals, with no hidden charges. The local banks also serve well, with more than 900 ATM counters throughout Singapore. 3. Convenient opening hours For future convenience, open an account at a bank that is open on Sundays or have extended hours on Saturdays. Banks in Singapore normally operate during office hours – 9:00 AM – 4:00 PM on weekdays, and 9:30 AM to 12:30 PM on Saturdays. 4. Associated charges and fees Visit the bank’s website or have a discussion with their helpdesk, and familiarise yourself with the fees associated with transactions. All banks have a fee structure for local and international transfers, and prior research will enable you to choose a bank that charges minimum for such transactions. There may be charges for issuing new check books or for standing orders – choosing a bank that does not implement such service charges, or at least one that has reasonable rates, is always wise if you have numerous transactions. 5. Online banking services Check if your chosen bank has an app that can provide internet or mobile banking. The bank should offer complimentary transaction alerts through SMS messages, so that you are kept abreast of every transaction in your account. This will help prevent debit or credit card fraud, as well as helping you keep track of your account balance. With internet banking, you are able to easily access your bank statements, and transfer money between different accounts. 6. Minimum balance in account All banks in Singapore need you to maintain a minimum balance in your account at all times. These minimum balances vary from bank to bank, but if your account falls below a certain specified sum, some banks levy charges for not maintaining the balance. Some banks may even compound these charges quarterly, which will drain your account if you are not careful. Select a bank that has the facility for maintaining the minimum balance, without levying penalty charges. 7. Cashless transactions Most banks operate on the NETS scheme in Singapore, These schemes offer ATM cards that can be used at retail outlets without incurring charges. If you charge purchases to your ATM card frequently, NETS is made for you! All banks provide ATM card facilities, but using them comes with service fees. Using a NETS card will help you avoid these charges. 8. Opening a corporate bank account If you wish to open a corporate bank account in Singapore, most banks will require the authorized signatories and directors to be physically present during the account opening. They will require paperwork as well, including memorandum of articles and resolution of board of directors among others. These requirements vary from bank to bank, and it is always prudent to check before contacting the bank to open an account. 9. Age limit You need to be above 18 years of age to open a deposit and savings account. 15-18 year olds, you can open a savings account – your parents or guardians can also open an account on your behalf. You will then be required to bring in your passport, with the minimum deposit amount required for opening the account of your preference. If you have the required paperwork, opening an account in a bank in Singapore is relatively easy and hassle-free. However, there is a waiting period involved, and it may take approximately five working days to activate your account. After the initial paper wrangling, you will find that banking is a pleasant experience in Singapore. Related

Guide for Opening Corporate Bank Account in Singapore

Guide for Opening Corporate Bank Account in Singapore


3E Accounting Firm Singapore

Comprehensive Guide for the Opening Corporate Bank Account in Singapore to assist you with choosing a bank for the banking needs of your company.

New Estimated Annual Bill rule will make it much easier to spot good electricity deals

by @ bonkers.ie blog

Electricity prices have been too confusing for too long.

New research from the ESRI has proven something we’ve had a hunch about for a long time - the way electricity prices are structured and marketed isn’t as clear as it could be.

Most suppliers offer big discounts to new customers, and those discounts can range from 5% all the way up to 33%. But here’s the catch: those discounts are often taken off different unit rates, depending on the supplier.

So, a supplier offering a 30% discount isn’t necessarily going to be cheaper than a supplier offering a 20% discount.

Pretty confusing, I’m sure you’ll agree.

Thankfully, the CRU agrees too and has introduced a new rule, forcing suppliers to provide an estimated annual bill in their ads.

ESRI findings support Estimated Annual Bill rule

To test to the potential effectiveness of the new Estimated Annual Bill rule, the ESRI has run a number of experiments to give us an insight into the factors that influence our decision-making when choosing an electricity supplier.

In one experiment, 36 consumers were presented with pairs of electricity deals and asked to pick their favourite. The prices of some deals were presented as discounts from standard rates and others were presented as actual unit rates (i.e. no discounts).

When participants were shown prices presented as discounts off standard rates, they chose the cheapest option 54% of the time. But when they were shown actual unit rates, they chose the cheapest option 80% of the time.

We’ve all been confused by electricity prices and bills in the past, but the ESRI’s findings prove that this confusion has, in many cases, led to costly wrong decisions.

In a second experiment, 40 consumers were shown a series of ads, some of which included an estimated annual bill for average users expressed in euro terms, others of which didn’t.

Unsurprisingly, participants were more successful at accurately identifying good value when the estimated annual bill was displayed. And as it happens, when the estimated annual bill was presented with the same prominence and font as other pricing information, accuracy improved further.

These findings bode well for us consumers. We can expect to see a clear estimated annual bill the next time we’re presented with printed advertising or marketing material. From mid-2018, suppliers will also have to include an estimated annual bill on radio and TV ads.

Clarity for consumers

The CRU’s decision to require Ireland’s electricity suppliers to display an estimated annual bill in their marketing material is good news for consumers and a big step forward in improving transparency in the domestic market.

The final price a customer pays for electricity is made up of a large number of items - unit rate, standing charge, PSO levy, VAT and, in some cases, a prepayment service charge. With so many things to consider, it can be very difficult to make informed decisions, and the ESRI’s research confirms this.

Thanks to the CRU’s new regulation, it will be much harder for suppliers to spin their offers as better value than they actually are and to confuse consumers into making costly bad decisions.

Greater transparency in the electricity market will allow households to make informed decisions when choosing a supplier and, ultimately, to save money on their bills.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

What are your bank account details?

What are your bank account details?


Zebpay

You can pay to any of our following bank accounts:Central Bank of IndiaBeneficiary Name: Zeb IT Service Pvt LtdAccount Number: 3608853404IFSC (RTGS/NEFT/IMPS): CBIN0281661Account Type: CurrentBan...

Personal Banking in China: How to Open a Bank Account in China

Personal Banking in China: How to Open a Bank Account in China


Sapore di Cina

All the information you need to know about the Chinese banking system: How to open an account, what bank to choose, credit and debit card, online banking, transfer money and much more

Expat's Guide To Bank Accounts In The Philippines

Expat's Guide To Bank Accounts In The Philippines


Investopedia

You'll need an ACR I-Card and other documents to open a bank account in the Philippines. Be sure to read the fine print about how much money is insured.

5 Tips for Choosing a Student Bank Account

5 Tips for Choosing a Student Bank Account


Top Universities

Find the best student account for you with these tips on what to look for, what to avoid, and how to manage your money.

Bank accounts: �200 switch bonus or 5% interest current account

Bank accounts: �200 switch bonus or 5% interest current account


MoneySavingExpert.com

Martin Lewis reveals how to compare and switch to the best bank accounts that can save you �100s a year.

Avoid Tax Troubles With These Accounting Basics

by Admin @ Company Registration in Singapore, Business Incorporation & Formation Services

Tax troubles are every corporation’s nightmare due to the potential consequences they could incur. This can not only affect the corporation’s reputation, but also in the progress of it’s business dealings. In order to avoid incurring tax troubles, great attention should be placed into the data figures and required filing processes. The more reliable your…

The post Avoid Tax Troubles With These Accounting Basics appeared first on Company Registration in Singapore, Business Incorporation & Formation Services.

E-Newsletter January 2018

by Lawrence @ 3E Accounting Firm Singapore

Dear Reader, Welcome to our E-Newsletter January 2018  As we close off 2017, it is good for us to look ahead and think about what this year may bring us. While there may be further challenges ahead (and there is much work to do), we end 2017 stronger and better able to serve our clients…

The post E-Newsletter January 2018 appeared first on 3E Accounting Firm Singapore.

How Many Banks Accounts Do You Actually Need?

How Many Banks Accounts Do You Actually Need?


The Balance

There are many bank account options available to you. Learn what bank accounts you should have to make your life easier.

Starting a Business in Singapore

by Lawrence @ 3E Accounting Firm Singapore

Starting a Business in Singapore Beginning a new adventure in Singapore can be exhilarating. The promise of new beginnings, the chance to live out your dream and build a business empire of your own, exploring your full potential and the possibilities that await you are all part of the exciting journey which comes with starting…

The post Starting a Business in Singapore appeared first on 3E Accounting Firm Singapore.

You need to get with the times, both for your bank account and your life

You need to get with the times, both for your bank account and your life


Mothership.sg

Multiplying your $ just became easier if you use DBS as your salary account.

MOM Seeks Public’s Feedback in Reviewing Areas of Employment Act

by Lawrence @ 3E Accounting Firm Singapore

MOM Seeks Public’s Feedback in Reviewing Areas of Employment Act Singapore’s Ministry of Manpower (MOM) is looking at revising the Employment Act, and it is seeking the public’s opinion on the matter for the areas it is reviewing. Singapore’s Employment Act as was last reviewed in 2012, and the amendments to the act took effect…

The post MOM Seeks Public’s Feedback in Reviewing Areas of Employment Act appeared first on 3E Accounting Firm Singapore.

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