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New Year Resolutions & Goals
January 6, 2014 By Leave a Comment
new year resolutions & goals
WHAT: Goal setting is used by top-level athletes, successful business-people and achievers in all fields.
Setting goals gives you long-term vision and short-term motivation . Who doesn’t want to make the most of their life?!?
HOW: By setting sharp, clearly defined goals, you can measure accomplishments and see the progress.
With a clearly defined goal you will now see your achievement in what might have previously seemed unproductive and useless.
Have you ever heard someone say, “Work smarter not harder”? We can all take away a valuable lesson if we apply this to everyday situations and simply plan our work and work our plan. It’s time to put pen to paper and set your new year’s resolutions goals.
SMART Goals
A very useful way of making goals more powerful is to use the SMART mnemonic. While there are plenty of variants (some of which we’ve included in parenthesis), SMART usually stands for:
S – Specific (or Significant)
M – Measurable (or Meaningful)
A – Attainable (or Action-Oriented)
R – Relevant (or Rewarding)
T – Time-bound (or Trackable
Nationwide Biweekly Administration, Inc. Successfully Completes SSAE 16 Type II Audit
November 26, 2013 By Leave a Comment
Nationwide Biweekly Administration, Inc. Successfully Completes SSAE 16 Type II Audit
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.
What is Nationwide Biweekly Administrations Biweekly Program?
November 5, 2013 By Leave a Comment
Nationwide Biweekly Administration
Interest Minimizer Overview
(Transcription Below)
You’re about to learn one of the greatest financial secrets of our time. One that you can use to save thousands of dollars in interest charges. Each year, millions of Americans pay billions of dollars in unnecessary interest charges and lose out on growing their home equity much faster. How much money in 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 are needlessly giving away our money. Actually, losing it and we don’t know it. Fortunately there’s 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, student loans, and even credit card debt.
With the Interest Minimizer, your monthly payment is decreased to a much smaller bi-weekly 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 write 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 bi-weekly or weekly schedule for you. Simply, painlessly, and automatically. Calculate your interest savings to see your specific savings. Or to speak with one of our friendly savings analysts, call the number on the screen. In just 10 minutes, we can show you how to stop overpaying interest and start saving money. Call us now.
Nationwide Biweekly Administration Earns BBB Accreditation
July 16, 2013 By Leave a Comment
Nationwide Biweekly Administration Is Committed to BBB’s Standards of Trust
This week, Nationwide Biweekly Administration announced its recent Accreditation by your Better Business Bureau of Dayton/Miami Valley, Inc. As a BBB Accredited Business, Nationwide Biweekly Administration is dedicated to promoting trust in the marketplace. Its Accreditation will help people understand who the organization is and the core values it believes in. You can check out Nationwide Biweekly Administration’s BBB reliability report by visiting www.bbb.org or calling (937) 222-5825 or (800) 776-5301.
John North, BBB president and CEO, says, “BBB Accreditation is an honor. It’s voluntary and Accredited Businesses must meet and maintain your BBB’s Standards of Trust, a comprehensive set of policies, procedures and best practices representing trustworthiness in the marketplace. The standards call for building trust, embodying integrity, advertising honestly and telling the truth, being transparent, honoring promises, being responsive and safeguarding privacy.”
He continues, “Businesses that meet your BBB’s high standards are invited to apply for Accreditation. Applicants undergo a review process and ultimate approval by your BBB’s Board of Directors. According to Princeton Research, seven in ten consumers say they are more likely to buy from a company designated as a BBB Accredited Business.”
“We are proud to have met your BBB’s high standards and we’re excited to be part of an organization that exists so consumers and businesses alike have an unbiased source to guide them on matters of trust,” said Daniel Lipsky ”We value building trust with our customers and our Accreditation gives our customers confidence in our commitment to maintaining high ethical standards of conduct.”
Daniel Lipsky continues, “Our Accreditation signifies our commitment to customer service, reliability and trust. For any organization to excel in today’s environment, it’s critical it be fully committed to excellence. Our acknowledgement by your BBB aligns with and supports our efforts of providing superior service in the marketplace.”
About Nationwide Biweekly Administration
Nationwide Biweekly Administration is one of the nation’s largest and most recognized administrators for biweekly programs. Through their Interest Minimizer Program, NBA processes billions of dollars worth of mortgage payments for hundreds of thousands of customers. All payments are securely processed through the Federal ACH Banking System with their banking partners.
Educate your kids financially
April 1, 2013 By Leave a Comment
You can never teach your children about money too soon!
You may have noticed, children may act as money grows on trees! Kids may be aware that you go to the bank to get money, but rarely they know how the money gets there. This is the perfect opportunity to teach your kids that you have to work hard to earn the money that you spend. Once they understand this concept they may become aware of the hard work you put in to earn a living.
Once they learn, they will apply
After your kids learn about money, how its earned, and the things it can buy; you might notice they will save every penny they can get their hands on. As a parent it is your responsibility to channel the attitude to teach them to save and learn delayed gratification.
-Planting the seeds early will help bear fruit later
Educate your children from a young age on how money is earned and how it works. By doing this you can avoid trying to teach them as teenagers, when they are less likely to heed any kind of advice you give.
Allowance can be an effective teaching tool
Giving your kids a small amount of money at a young age will prep them for the larger future numbers to come.
The teaching game changes with Teenagers and College-age kids
By the time the kids reach this age group they will most likely have bigger responsibilities such as: Checking accounts, Credit Cards, and other debt. Teaching the kids about banking and credit while in high school will set them on the path of success when they venture out on there own. High School, a lot of times, will off classes covering banking, financing, and the market. Teach your children to take advantage of these resources.
Is Nationwide Biweekly Administration a Scam?
December 20, 2012 By Leave a Comment
Today’s post is an explanation of articles you may have seen or run into when you do a search on Nationwide Biweekly Administration. It is amazing how a handful of people who have not fully researched the company can post a blog on the internet and misrepresent them. I find these articles to be as believable as the National Enquirer and they have very little solid information to back them up. With this said I have legitimate research to back up everything that has been said and to prove that Nationwide Biweekly Administration is NOT A SCAM.
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
