November 18, 2013—Xenia, OH—Nationwide Biweekly Administration, Inc. (“NBA”), one of the nation’s largest and most recognized biweekly program administrators, announced today that it has successfully completed its first SSAE 16 Type II audit.  NBA’s compliance with the SSAE 16 audit demonstrates its high level of commitment to solid operating procedures while maintaining the highest level of internal controls.

SSAE 16 is an internationally recognized third-party assurance audit for service providers.  SSAE 16 is a new reporting standard for services organizations put forth by the Auditing Standards Board (ASB) of the American Institute of Certified Public Accountants (AICPA).  As part of the audit, a number of operating controls related to NBA’s internal policies and procedures were examined.  These controls include: company wide management systems, policies and procedures, network operations, customer data integrity and security, and computer controls.

“Receiving this important designation from a top auditing firm reaffirms NBA’s commitment to our customers and business partners, said Daniel Lipsky, President, NBA.  “Through strict adherence to compliance and internal controls we’re able to provide peace of mind and world-class service to our customers.”

ABOUT NATIONWIDE BIWEEKLY ADMINISTRATION, INC.

Nationwide Biweekly Administration, Inc., located in Xenia, Ohio, provides payment service and processing to the general public through the Interest Minimizer program.  Established in 2002, NBA is licensed and bonded and is registered with FinCEN as a money services business. 

For more information about NBA, visit http://www.nbabiweekly.com, like the Facebook page at http://www.facebook.com/nationwidebiweekly.

The post Nationwide Biweekly Administration, Inc. Successfully Completes SSAE 16 Type II Audit appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Interest Minimizer Overview

The post What is Nationwide Biweekly Administrations Biweekly Program? appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Financial aid is provided for student to help pay for college. Financial Aid can come from the U.S. federal government, the state where you live, the college you attend, or a nonprofit or private organization  (http://studentaid.ed.gov)

Who gets financial assistance depends on the type of aid (there are private or federal, need-based or merit based financial aid) but in general, here are the eligibility requirements for the FEDERAL student aid:

• you have financial need,
• you are a U.S. citizen or eligible noncitizen,
• you are enrolled in an eligible degree or certificate program at your college or career school, and more.

The infographic below summarizes what you need to know about the eligibility criteria for federal student aid programs.

The post Do I Qualify for Financial Aid? appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Happy Heart Day Candy Bottles

(Idea from Tami Wilson)

DIY: You Rule Valentine

(Idea from Re: Located Living)

DIY Sweetheart Brownie Valentine

(Idea from Twig and Thistle)

Hershey Kiss Bouquet.

(Idea from Tiny Prints)

Happy Valentine’s Day from Nationwide Biweekly Administration! ♥

The post Inexpensive and Exciting Valentine’s Day Crafts appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

What’s so good about Valentine’s Day? For one, it is a special day when we stop whatever it is that’s keeping us busy and do simple things to show our loved ones how important they are to us. Another good thing about V-day is that you don’t have to spend a lot of money just to show someone you love them. In fact, most of the times, cheap (or free) gifts are better than expensive ones. They convey the sweetest message and create lasting memories.

Here are creative, romantic and CHEAP ways to say “I love you” on Valentine’s Day

♥    Watch romantic movies together

♥    Prepare a meal or cook a special meal together

♥    Take a moonlit walk in the park.

♥    Sing him/her a love song

♥    Burn a CD with your honey’s favorite love songs or any songs that remind him/her of fond memories you both share

♥    Create a list of things you like best about your partner.

♥    Create a homemade card or write a love letter.

♥   Play some entertaining board or video games with your sweetheart or with the whole family

♥   Create gift coupons. It could be a voucher for a romantic dance, a song number, a massage, anything your partner might need or are sure to enjoy.

♥    Focus on bringing a smile or laughter to your special someone or to every people you love.

♥    Write a love note and tuck it in his/her pocket. Just a simple “I love you” could mean a lot.

♥    Take a bottle of wine and plan a sunset picnic.

♥    Bring out old photo albums and reminisce over your photo memories.

See, creating a romantic and memorable valentine’s day is easy, and it only takes some effort and thought. Any more great ideas that you’ve done or would like to add? Let us know in the comments below!

Image credit: emitea

The post Celebrate Valentine’s Day without Breaking the Bank appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Easy Ways You Can Save Thousands of Dollars in 2013

If your money situation during the past years was a mess, think of 2013 as a good chance to kick poor financial habits and manage your money wisely. Here’s your guide to a better money situation this year:

• When buying items online, always check for special offers and discount codes. Check for sales online before doing your shopping. However, you need to be careful not to purchase more than what you need. Some people spend too much instead of saving more by making unnecessary and unplanned purchases. Prioritize based on budget and avoid impulsive shopping.

• Reduce, reuse and recycle. By doing these three you can make a lot of difference: you save money and you help the environment. Reduce your waste, reuse or repair old items and buy more recycled products.

• Opt for generic drugs which are cheaper alternative for branded medicines. You don’t have to worry about quality; generic drugs are also regulated by the Food and Drug Administration and they are proven safe and effective.

• Make your own packed lunch. It would surprise you how a cup of coffee and a sandwich at work can add up to a huge amount of money over time. Instead of buying food or eating on a restaurant every single day, make your own lunch at home and bring to work.

• Save money on electric bills. Unplug appliances and turn off lights that are not in use. In the winter, wear warm clothing and set your thermostat to 68 degrees or lower during the day.

• If possible, walk or ride your bike to work. This way, you are able to save money on gas and get some exercise.

• The easiest way to save money? Avoid extra finance charges by paying  fees on time.  Missing a payment can cost you more money and may have a negative effect on your credit rating.

Looking for a company to handle your biweekly payments? Nationwide Biweekly Administration has the only biweekly program that provides a 100% money back savings guarantee. For more information visit http://www.nbabiweekly.com today!

The post Easy Ways You Can Save Thousands of Dollars in 2013 appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

The first item I want to discuss is the way NBA may market to potential customers. Some of you may have received a letter with the name of your lender on top that explains how NBA can save you money on your mortgage with their interest minimizer program. This letter is not intended to “trick you”. The reason why your lender is on the top of the page simply shows you that NBA administers the program to your lender as well as over 5,000 other lenders. If you so choose to call you will be connected to their customer service departments which can run a savings analysis report on your mortgage or any other type of loan you are trying to pay off early.

The second point I want to make is the trust issue with NBA. If there is any biweekly program company that you can trust with making sure your payment is applied properly and on time, it’s NBA. Why do I say that? Well first off,  they are one of the nation’s largest and most recognized independent processors. They are fully licensed, bonded, and registered with FinCEN – the Financial Crimes Enforcement Network – as a Money Services Business. On top of that they are also listed with Dunn & Bradstreet and the Better Business Bureau.  But what I really find interesting is they are the only biweekly company that has been independently audited by the C.P.A. Firm of Flagel, Huber, Flagel, & Company. As you can see in this video they earned a Gold Seal of Approval documenting that their savings estimates are accurate, funds are protected by FDIC Insured Banks, client’s funds are being remitted to lenders accurately and timely, and their program operates as indicated in contracts. To top off any more trust issues you may have, their corporate office is located in the State of Ohio and is audited annually by the State to ensure strict compliance to all State and Federal Regulations.  All payments are securely processed through the Federal ACH Banking System, and enjoy protection under Regulation “E” of the Federal Reserve.  Under Regulation “E,” funds debited from your account are protected against fraud or loss for a period of 60 days from the drafting date. You are completely protected & have nothing to worry about with NBA.

My last point that will be covered pertains to the articles on how biweekly programs are nothing but a scam or something that you shouldn’t need to pay someone to do because you can do it yourself. For the sake of these articles I am going to sum it up for you and assure you that biweekly programs are NOT a scam. You see, in a perfect little world we would do everything ourselves. In the morning we could jump right of bed into our workout clothes and hit the weights for 30 minutes. Then we could hurry up and cut the grass before heading into work. During lunch we could rush home and change our oil. Then once the work day is finished we could clean the pool out and maybe even give the dog a bath and a quick trim. Sounds ridiculous doesn’t it? It’s a good thing that we have people that can actually help provide us with convenience, discipline, and structure so we can stay on track and not have to do everything on our own.  This is how I see what a biweekly program can do for people. Of course this is something that every one of us can do. How simple can it be to make an extra payment a year? Well I guess not that simple since less than 1% of Americans prepay their mortgages every year. Lets be honest, if anyone of us had extra money that equaled our mortgage payment I doubt that making an extra payment towards it would be the first thing on your list. So if you think that Nationwide Biweekly Administration is a scam then so is your personal trainer, lawn cutting service, guy that changes your oil, pool boy, and dog groomer. These are all helpful services that are provided for those who want them. If you would like to talk about scams go ahead and check how much interest you will be paying your bank once you pay off your loan. I guarantee you will be giving them thousands of dollars more then you would ever give a company that provides a biweekly program.

I hope this sums up some of the articles you may have read and would love to see some POSITIVE comments on how using a biweekly program has helped you out.

For more information about Nationwide Biweekly Administration you can visit http://www.interestminimizer.com/ or call 1-888-802-1296

The post Is Nationwide Biweekly Administration a Scam? appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Tuition costs and unemployment rate is rising, and so is student debt. According to a new report from CNN, two-thirds of college seniors who finished school last year has student loan, with an average student loan debt of $26,600- that’s about 5 percent higher from last year. With the unemployment rate reaching an all time high, Americans are increasingly falling behind on their debts.

If you are a graduating student with college debt waiting for you after you receive that well-deserved diploma, you may want to consider these tips when repaying your debts.

1.       Keep track of your loan

Know the repayment status of your loan. Keep in touch with your lender so you will know when the payment is due. Keep in mind that even if you received no information from the lender regarding your payment schedule, you are still obliged to make payments on time. Take the responsibility of tracking your loan, and make sure to let your lender know your new contact information or address if you have moved. Be responsible and take your loan seriously.

2.       Don’t miss payments to avoid interest from accruing

Try not to be one of the 33 percent of the borrowers who are late with their first payment on their loans. To make sure that your payment will arrive on time, mail the payment a week before the due date. You can also enroll in an auto-debit program, just always ensure that your bank account has sufficient funds to avoid missing payments. If in any case you can’t afford your monthly loan payment and have to skip a payment, call your lender beforehand so they can offer different options

3.      Don’t ignore your student loans.

Whether or not you complete your education, you still have to repay your student loan with all its interests and fees. Borrowing is a responsibility, and ignoring the debt can get you into financial trouble. It can lead to a loan default and may result in unpleasant consequences.  Interest will increase your loan balance making the loan more expensive than before, it will ruin your credit score, and will have a negative effect on your cosigner’s credit history as well.

Need help accelerating the payoff of your Student Loan? We can help! Nationwide Biweekly Administration has the only biweekly program that provides a 100% money back savings guarantee. For more information visit http://www.nbabiweekly.com today!

The post 3 Simple Ways to Keep Your Student Loans Under Control | Nationwide Biweekly Administration appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Image Source: PBS.org

College can be a very beneficial step taken in one’s life to achieve the dream job and life. However based on statistics, in 1992 there were 5.1 million unemployed college graduates in the U.S., and in 2008 there were 17 million unemployed college graduates in the US. Somehow everyone is going to be left with the obligation to repay this debt since there is little to no help, even if you file bankruptcy.

The rise in this debt over the last few years can be attributed to the unemployed adults returning to school to boost their skill sets in hopes of getting another job. You will have to repay these loans one way or another, making at least the minimum payment. There are many plans 0ut there available to help you pay back these loans in a timely and efficient manner. No doubt a plan like the ones offered by Nationwide Biweekly Administration could work within your current budget but also pay off your loan sooner and eliminates interest.

Biweekly Payment plans are available for student loans, and the plan works by taking your current monthly payment, cut it in half, and debits that amount every two weeks. Setting up this plan as an automatic debit can be matched up with your current pay schedule and permits no mistakes. Biweekly plans have been the focal point of many conversations on popular talk shows such as Oprah, CNN Money, and Wall Street Journal.

Call us at (800) 317-1756 to run a free analysis on your loan so we can see how the plan will be laid out and what options you have to accelerate the payoff of your Student Loan. You can also learn more by visiting InterestMinimizer.com.

The post The Rise in Student Loan Debt – Will it be the Next Financial Crisis? | Nationwide Biweekly Administration appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.

Nationwide Biweekly Administration is proud to be one of the largest and most recognized administrators for biweekly programs. Their industry leading program, Interest Minimizer is helping hundreds of thousands of Americans not lose out on growing their home equity much faster. How much money and equity are you losing to interest payments? Chances are, it’s a lot more than you realize. For most of us it’s thousands of dollars every year, it doesn’t have to be that way. Most of us, we budget wisely, we shop for items on sale and then we make sure we get a good deal for our hard earned money, but when it comes to paying interest, most of us our needlessly giving away our money, actually losing it, and we don’t know it.

Fortunately there is something you can do about it. The secret is the interest minimizer program. A safe, convenient, and proven way to cut tens of thousands of dollars in interest charges off your existing loans including your mortgage, equity lines of credit, auto loans, students loan, and even credit card debt. With the interest minimizer your monthly payment is decreased to a much smaller biweekly amount and automatically debited every two weeks. We’ll conveniently match these debits to your pay schedule. Now budgeting for a large mortgage payment has become a lot easier. No more checks to right or late fees to worry about.

You’ll love how simple and easy it is. In fact, hundreds of thousands of American families are using the interest minimizer, saving billions of dollars in interest. When you see the savings and how much you’ve been spending unnecessarily, you’ll want to sign up for the interest minimizer because the plan manages the biweekly or weekly schedule for you simply, painlessly, and automatically.

NBA is one of the nation’s largest and most recognized independent processors. They are fully licensed, bonded, and registered with FinCEN – the Financial Crimes Enforcement Network – as a Money Services Business. And, They are also listed with Dunn & Bradstreet and the Better Business Bureau.

They have been independently audited by the C.P.A. Firm of Flagel, Huber, Flagel, & Company – and we earned a Gold Seal of Approval documenting that:

Our Savings Estimates are Accurate.
Your funds are protected by FDIC Insured Banks.
Our Client’s funds are being remitted to lenders accurately and timely.
Our Program operates as indicated in contracts.
NBA corporate office is located in the State of Ohio, and is audited annually by the State to ensure strict compliance to all State and Federal Regulations. All payments are securely processed through the Federal ACH Banking System, and enjoy protection under Regulation “E” of the Federal Reserve. Under Regulation “E,” funds debited from your account are protected against fraud or loss for a period of 60 days from the drafting date.

In short, you are completely protected & have nothing to worry about and you are GUARANTEED to save money! Nationwide Biweekly Administration has the only biweekly program that provides a 100% money back savings guarantee. For more information visit http://www.nbabiweekly.com today!

The post Why Choose Nationwide Biweekly Administration to Handle Your Biweekly Payments? appeared first on NATIONWIDE BIWEEKLY ADMINISTRATION BLOG.