Pros and Cons of Hiring a Professional Resume Writing Service

Pros and Cons of Hiring a Professional Resume Writing ServiceOne thing that you can count on with the help of a professional resume writing service is a polished and complete resume that is well prepared. Even though these services can help you with some basic drafting, there are still certain things that you have to know before you hire anyone. This article will give you all the information you need about the pros and cons of hiring a service to create your resume.If you are working with a reputable and reliable company, then you can expect your resume to be ready in two weeks or less. For that reason, you don't want to wait too long. That way, you don't end up paying too much for the time it took to create your resume.One of the most important things you should do to get the job you want is to establish a good first impression. It is not enough to put together a decent first impression; you need to convince the employer that you would be a good fit for the position. Without a convi ncing first impression, your application will never get any attention and you won't get the job.That is why you should consider a professional resume writing service when you are looking for a service to write your resume. A professional resume writing service can deliver your resume with one letter. All you have to do is type the information into a text box, add the job title, and press the submit button. After it is finished, the service will also compile your information, send it out, and submit it to several companies.The problem with many job searches today is that companies are only looking for resumes that are professional. They look for certain personal details that are unique and follow a certain format. If you just leave them off of your resume, they will still probably give you an interview. However, if you put these details in, you may have a better chance of getting an interview as opposed to someone who doesn't put their personal details in their resume.Sometimes, you will hear horror stories about the quality of resumes they send out. In the past, a resume that had an employer's name, phone number, and email address was all they sent out. Today, some companies will still give out these old fashioned resumes. For that reason, when you look for a company to send your resume to, you should make sure that it is a professional resume writing service.The last but most important thing to remember is that you don't have to create a perfect resume. You can give it some ideas to make it more professional looking, and your resume will still get attention. But, if you send it out without using the services of a professional resume writing service, you won't get a call back.

Best Checking Accounts of 2020 - Compare Free Checking Accounts

Best Checking Accounts of 2020 - Compare Free Checking Accounts Best Free Checking Accounts Of 2020 Modern-day checking accounts have the potential to do so much more than provide consumers with an easy method of payment. Today, you can have your checking account earn money for you, provide you with valuable shopping benefits, and give you an edge in specific situations. For that reason, its important to know as much as you can about whats available and what each company has to offer you. Heres a more detailed look at some of the best checking accounts in the industry today, along with just what they have to offer. Best checking accounts overview Checking Account Best ForMinimum BalanceAPY Discover Cashback DebitAll-AroundNone0% FNBO DirectFNBO Direct Online Users$10.65% AspirationCash BackNoneUp to 2% USAAMilitary MembersNone0.01% Best all-around checking account: Discover Discover Cashback Debit Minimum balance:  None APY:  0 percent Sign-up bonus:  $0 Monthly fee:  $0 Discover checking accounts are some of the most lucrative options available. For one thing, there are many freebies involved. No monthly fees, free check reordering, free debit card replacement, and free online banking make Discover a valid option for those on a budget. Not only is it a free checking account, something that is rare in and of itself, but Discover also offers a rewards program connected to your checking account. That is unheard of. Here are some features of the Discover checking account: No monthly fees Live help No minimum balance Cash back program Signup bonus You’ll be able to access loads of ATMs across the country (and the world). The cash back program awards you with one percent each time you make a purchase using your debit card (up to $3,000 per month), so you are earning money back every time you spend. You are not required to keep a minimum balance, another big perk on Discover’s side. Learn more about the Discover checking account   Best online checking account: FNBO Direct FNBO Direct Minimum balance:  $1 to open account APY:  0.65 percent Sign-up bonus:  None Monthly fee:  None FNBO or First National Bank of Omaha is a small, almost overlooked bank, but it would be a real shame if you did because this bank is truly online banking done right. For people who are not interested in long lines, drab tellers, and inconvenient interactions, First National Bank is the perfect solution for you. Here are some of the benefits FNBO has to offer with its checking accounts: Visa Direct debit card Two million+ ATMs globally Overdraft forgiveness Free incoming wires Free stop payments To begin with, First National Bank waives several fees that most other banks do not. For example, you won’t have to pay for incoming wires or to put a stop on payments. And in terms of monthly fees, you’ll never have to worry about any of those. Customers will also appreciate the free person-to-person payment option, handled by Popmoney. As mentioned, First National Bank checking accounts are also extremely convenient. You can do everything online, from tracking your debit card activity to actually paying your bills directly from your checking account. You can even arrange recurring payments for frequent charges like utility bills and schools. First National Bank allows customers to set up direct deposits into their checking account as well, so your recurring payments will always be covered. Learn more about the FNBO checking account Best all around account: Aspiration Aspiration Spend and Save Minimum balance:  None APY:  2.00% (If you make a deposit of at least $1 a month) Cash Back:  0.5% on all purchases with the chance to earn another 0.5% Monthly fee:  Whatever you choose Aspiration is another fee-free account that has a lot to offer. You’ll pay no monthly fees, no monthly deposit requirements, and there are no minimum balance requirements. What’s mind-boggling about this company though, is its “Pay What is Fair” fee policy. Aspiration allows customers to set their fees as they see fit, even if that’s $0! On the savings side, the Aspiration Spend and Save offers a 2.00% APY when you make at least a $1 deposit each month OR have a single end of day balance of $10,000 or more. And, one of the most impressive aspects related to Aspiration banking is the ATM usage policy. Unlike almost any other bank, Aspiration lets you use any ATM you want wherever you are in the world. Any charges you incur for ATM usage will be reimbursed by Aspiration at the end of the billing cycle. That’s an amazing convenience. On the spending side, the Aspiration Spend and Save will give you 0.5% cash back on every debit card purchase you make. Plus, you can earn an additional 0.5% cash back at merchants Aspiration has deemed good to their employees and the environment. If you appreciate charity, then Aspiration has one more notch in its belt. For every dollar it earns, Aspiration donates $0.10 to American non-profits around the country. Learn more about Aspirationxqdzzvwqwdvurqacddrrevwdburrv Best checking acccount for military members: USAA USAA Minimum balance:  None ($25 minimum opening balance) APY:  0.01 percent Sign-up bonus:  None Monthly fee:  $0 USAA is an exclusive military banking service that provides the flexibility, ease of use, and reach that service families need. Since military personnel and their families are usually on the move or settling in far-flung locations, the USAA banking system provides plenty of benefits to suit these requirements, and the checking accounts available offer just as much convenience and understanding. Here are some highlights: 60,000+ ATMs around the world No monthly fees No monthly balances Finance management tools As long as you are military personnel or a family member of one, USAA has a lot to offer, and USAA is particularly accommodating to young adults and college students. You can choose from 4 different kinds of checking accounts including: Classic checking College checking Youth spending Military recruits checking USAA requires that you open your account with a minimum of $25, but after that, there are no minimum balance requirements. Also, new recruits wont need to pay the minimum opening requirement either. Regardless of which account you choose, there are no monthly fees whatsoever. You can use the more than 60,000 ATMs around the globe for free (up to ten times a month), and youll get up to $15 reimbursement on ATM fees not included in USAAs network. Finally, USAA works directly with DFAS for faster direct payments, provides prefilled 1199A forms, and minimizes charges for military members. Learn more about the USAA Checking account What to look for in a checking account With so many financial institutions offering checking accounts today, you might start to feel a little light-headed at the options. Wondering which checking account is right for you? Here are a few key factors to look at before you open an account of your own: No or low monthly maintenance fees If a checking account costs you $10 a month to hold onto, you’re being charged $120 a year for nothing. There are too many free checking account options for you to be paying even a nominal $5 per month. Most of the choices found on this list are monthly maintenance fee-free like the Discover Checking, Aspiration, and FNBO Direct Checking. The HSBC accounts are practically free since the monthly fee is waived if you maintain a minimal balance and/or direct deposit. Bottom line, don’t settle for a checking account that charges a monthly fee. Ever. Transaction limitations Many checking accounts will waive the monthly fee (all of the cool banks are doing it), but they’ll hit you somewhere else it really hurts. Namely, transactions. Checking accounts that limit your transaction ability or charge hefty fees after the first few transactions kind of defeat the purpose of a fee-free account. Look for an account instead that offers no limitations on withdrawals, deposits, and money transfers. ATM access Another important “feature” of a good checking account is the accessibility of ATMs. This is another area where banks often hit unsuspecting customers hard because when you’re stuck without cash and need to take out money, you’ll do it at any ATM you can find, even if it incurs a hefty service charge. A good checking account will have ample ATMs across the country and won’t charge you for using them. HSBC and Discover have tens of thousands of machines all over the world and won’t charge you to use them. Aspiration really takes the cake here though, allowing you to use any machine anywhere, reimbursing you any service fees incurred. Mobile app or online access While you might not consider yourself the most tech-savvy individual, most people would be hard-pressed to name a service that they use on a regular basis that doesn’t offer online or mobile access. In today’s connected society, we need everything easily accessible, at our fingertips, 24/7, and that includes our banking. Not every bank will offer a dedicated mobile app, but a good checking account option will, at the very least, have smooth, integrated online access. If you can take that experience to your mobile device, well, that’s all the better. Pros cons of different types of checking accounts When you are weighing your options, it’s important to consider the different types of checking accounts before you settle on the one that’s right for you. After all, what’s good for one person or situation won’t be good for someone else. Here are a few of the pros and cons associated with the most common types of checking accounts: High-yield checking account Pros: Low or no monthly fees Can accrue interest on your balance Cons: Must maintain a high balance throughout the month, each month Good for: If you keep several thousands of dollars in your checking account each month, a high-yield checking account is great for you. Rewards checking account Pros: Earn rewards on everyday spending Get a lower interest rate after a certain amount of usage Cons: Usually come with higher than average monthly fees Good for: People who use bank services such as debit cards, direct deposit, and other bank services on a regular basis will benefit from this rewards program Second-chance checking account Pros: Low minimum balance requirements Low monthly fees Cons: Generally restrict your access to some basic services until you’ve “proven” yourself to be trustworthy Good for: Anyone whose account has been closed for delinquent payments or behavior and wants a second chance Joint checking account Pros: Easily allows two people to access the same account Useful for couples, colleagues, or relatives to share their resources Cons: Can easily fall into overdraft because multiple users are withdrawing from the same account Good for: Couples who want to have a communal household budget account FAQs about our best checking accounts There’s a lot of information about different types of checking accounts. Is there an easy way to figure out which one is really the best for me? While every person and situation is unique, there are a few basic ITTT scenarios when it comes to checking accounts. For example, If you regularly carry a balance of more than say $2,500, then you might as well enjoy the benefits of a high-yield checking account. These come with no monthly fees and offer you a chance to get your money working for you. If you have bounced many checks, had an account closed in the past, or have many unresolved bills, you may be limited to which accounts you can open. If this is your situation, a second-chance account may be your best option. If you need to share your account with a business partner, spouse, or older child, a join account is helpful. If you’re still not sure, read through some of our other articles about checking accounts to get a better idea of which one is suitable for every situation. I deposited a check from my landlord for some repairs I covered last month, but the money isn’t in my account. Why not? To understand why your money isn’t in your account, you have to understand how the money actually gets to your account to begin with. It’s not an instantaneous thing, despite living in a primarily digital world, it’s a process. The money has to go to a clearing house, and then to the writer’s bank, and then finally the funds are transferred to your bank. Since the process takes time, the money only shows up a few days later. And sometimes, theres a lag at one of the stages, taking longer to get to your account. Other reasons a check may take longer to clear is if there’s a hold on your account, the check is from out of state, or for some other reason including bank clerical errors. If you don’t see the money in your account after standard business processing time, be in touch with your bank to ensure there wasn’t a mistake on their end. I had a rough month last month and ended up withdrawing more than I had in my account. What will happen to my checking account? Many checking accounts offer  overdraft protection. This insurance policy is helpful if youre traveling and not keeping track of your expenses or if you have a month when you’re withdrawing a lot. It’ll basically cover you for the amount that you’ve overdrawn from your account. If you don’t have this insurance, the transaction will probably not go through. Just remember, though, with overdraft protection you are getting charged a fee for the protection and you’ll still have to pay back the money (it’s not free!) So, account holders need to be careful not to get too comfortable with overdraft protection or you could wind up in substantial debt. I bounced a check recently. I thought I had money in the account but it wasn’t enough to cover the full amount. Now what? Bouncing a check is bad on two counts: You will have to pay a service fee. Chances are you’ll pay two, one to the bank and another one to the merchant (recipient of the check). With bounced check fees averaging around $27 a piece, you’re talking about a pricey mistake if you make it too often. You’ll end up getting a mark on your record for delinquent behavior. Bouncing a check is a sign of irresponsible account maintenance. This is not a good sign and can affect future financial options. You’ll want to do your best to avoid bouncing checks, and if it’s already happened, deal with it responsibly and then put a plan into place to ensure it doesn’t happen again. Summary Today, checking accounts not only make life easier, but they come with a lot of benefits to the account holder as well. Don’t just settle for the first offer you get; check out the more in-depth reviews for these and other checking accounts available to find the best, most competitive option for you in 2018. Read more Best Free Business Checking Accounts For Freelancers And Side Hustlers 5 Of The Best Business Checking Accounts For Entrepreneurs Related Tools Get a Truly Free Credit Score Monitor Your Credit Daily: Start Now Our Recommended Credit Cards