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In This Edition Banking Essentials Investment Accounts Managing Your Financial Accounts Managing Your Money Back to Basics Taking the first steps toward financial freedom starts with the basics. Whether you bank online, via ATM, phone, in person, or any combination of these, becoming familiar with the accounts and services your bank offers will make it easier to find the loans, credit cards and even home mortgages that are right for you. By learning what your bank has to offer, you can take advantage of the financial products and services that best fit your financial needs. Banking Essentials It's important to learn the features of even the most basic banking products. Finding the right account is easy when you've done the research. Checking and Savings Accounts Most people have checking and savings accounts, but may not know that the types of accounts available vary widely. Everybody's financial needs are different, and that's why it's important to choose the account that fits the way you want to bank and enhances your lifestyle. ? Checking Accounts. Do you keep a steady amount of money in your checking account? Is your checking account your main financial services account? The right checking account has it all - convenience, flexibility and fast, easy access to your money. Checking accounts give you the freedom to write checks against your account balance and to have access to your money through an ATM or online banking. And since everyone's financial needs are different, there are a wide variety of checking accounts available, including interest bearing or non-interest bearing, all of which are FDIC insured. From accounts that offer you free checking with direct deposit to low-fee student accounts to top-of-the-line financial relationship accounts, there's a checking account that fits your lifestyle. ? Savings Accounts. Whether you're saving for a new house or a child's college education, the best way to achieve your financial goals is to put money away each month. An Automatic Savings Plan makes saving even easier by automatically moving a pre-determined amount of money between your accounts. Savings accounts are interest- bearing accounts with low minimum balance requirements. They are a convenient way to save for the future and most savings accounts can be used as overdraft protection for your checking account. Find out more about the variety of savings accounts available to you. ? Time Accounts (CDs) If you're planning for a vacation or saving for the future, time accounts , also known as certificates of deposit, are a solid choice for your savings needs. Time accounts offer guaranteed rates of return for a fixed term, flexibility in length of investment term and are eligible for FDIC insurance. ATM, Check, and Credit Cards Both ATM cards and check cards provide convenient access to your accounts, allowing you to withdraw cash, make deposits and transfer funds through an ATM. An ATM card also offers you the ability to make purchases using your Secret Code or Personal Identification Number (PIN) at participating merchants. With a check card , you have expanded purchasing power at merchants worldwide that accept either Visa (or MasterCard ), depending on which logo is displayed on your card. Whenever you use a check card or ATM card to make a purchase, the purchase amount is always deducted from your checking account and detailed on your monthly statement for easy record keeping. Additionally, there are several types of credit cards , which give you the convenience and financial flexibility of paying for your purchases over time, depending on your credit limit. With all of these choices, there is definitely a card (or cards) that is right for you. Investment Accounts These days, most people have some sort of an investment account. However, the type of investment account people choose depends on their comfort level and goals. Whether you're new to investing, experienced at managing your own investments, or simply want to work with a financial consultant, there are options for you. ? Full-service brokerage. New to investing? Prefer talking to somebody in person? An experienced financial consultant can help. It's not always easy making investment choices on your own. Working with a financial consultant , you get the tailored advice you need to make informed investment decisions. ? Online brokerage. If you prefer to manage your investments on your own, online brokerage gives you the dynamic tools to manage your portfolio, research the marketplace, assess your opportunities and make the right decisions. ? Wells ShareBuilder. With Wells ShareBuilder you can invest in stocks and index shares in regular intervals, weekly or monthly. Over time, you will automatically build your portfolio share by share. With no investment minimums and low transaction fees, this affordable technique uses dollar-cost averaging to help you reach your long-term goals. Managing Your Financial Accounts ? Online Banking Basics How do you access your accounts? In a branch, at an ATM, over the phone, or online? As many people have discovered, banking online is the fastest, most convenient way to access all their accounts, manage investments, transfer funds and pay bills - all with just the click of a mouse. ? Online account access. Need to check your balance from work? Want to make a quick transfer between accounts but don't have time to stop at the bank or ATM? Online account access lets you view your account balances and transactions, transfer funds, pay bills online, and contact customer service. It's an easy and convenient way to manage your accounts from your computer. ? Online bill pay. With online bill pay, you can pay any individual or company in the U.S. from the comfort of your home computer, the office, or anywhere you have Internet access. And the money you will save on postage can really add up. Try this demo to see how easy it is. Managing Your Money If you're like most people, you work hard and strive to achieve your dreams. It's important to build a financial foundation to ensure you arrive where you want to be. Here are a few tips on how you can make smart decisions about your financial future. Taking Control of Your Finances It's not how much you make, but what you do with your money that matters. Cutting out a few minor expenses can make a big difference in your savings. There's no better way to stay out of debt than by tracking your spending and sticking to a budget. A budget can help you control your finances, decrease your debt, and build a strong credit history. Where do you spend your money? Determining your cash flow is the first step in creating a successful budget. Building Your Credit and Controlling Debt Managing credit can be a challenge. But a good credit rating is key to many financial decisions. Learning how to establish and maintain good credit can make a big difference in your savings. Understanding how to manage your debt can empower you to take charge of your financial future. The quality of your life is directly linked to how well you manage your credit and debt. Personalize Your Communications from Wells Fargo Online
Your October WellsWire