BANK OF AMERICA

What do I need to apply online?
When you apply online, you will need to provide information about yourself. For a faster application process, have the following information on hand when you begin your application:
1)Your Social Security number
2)Your current residential address
3)Your e-mail address

4)Your account number or debit card number to make your opening deposit into your new Bank of America account
5)Co-applicant's personal information (if applicable)
6)Online Banking ID and Passcode (if applicable, for existing customers)

DIAMON BANK

DO I NEED BOILER INSURANCE

You should consider the age of your boiler. Have you just had your boiler installed? If this is the case, then the boiler will probably be covered by a manufacturer warranty, so insurance wouldn’t be necessary. It is worth remembering that the warranty would only cover the boiler and not your central heating, you might still want to consider that excludes boiler cover.
However, it’s worth noting that new statistics show that 1 in 6 boilers break down within the first 6 years of installation. We generally say that if your boiler is over 3 years old, or the manufacturer warranty has expired, then it’s worth having BOILER INSURANCE.
An average boiler repair call-out costs around £220, and a new boiler can cost anything from £700 to over £2500 depending on the property, so having insurance at under £6 per month starts to make sense.
Your boiler might also be covered by your house insurance so check this too, no point in having your boiler insured twice!
If you want peace of mind and the assurance that you can have any boiler problems fixed by making one phone call, then BOILER INSURANCE would work well for you.
It is worth noting that if you’re renting a property then it is not your responsibility to insure your boiler, get in touch with your landloror estate agent and make sure they look after and service your boiler (they must do this by law).

The main techniques and sectors of the financial industry

An entity whose income exceeds its expenditure can lend or invest the excess income. On the other hand, an entity whose income is less than its expenditure can raise capital by borrowing or selling equity claims, decreasing its expenses, or increasing its income. The lender can find a borrower, a financial intermediary such as a bank, or buy notes or bonds in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary pockets the difference.
A bank aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays the interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders, of different sizes, to coordinate their activity. Banks are thus compensators of money flows in space.
A specific example of corporate finance is the sale of stock by a company to institutional investors like investment banks, who in turn generally sell it to the public. The stock gives whoever owns it part ownership in that company. If you buy one share of XYZ Inc, and they have 100 shares outstanding (held by investors), you are 1/100 owner of that company. Of course, in return for the stock, the company receives cash, which it uses to expand its business; this process is known as "equity financing". Equity financing mixed with the sale of bonds (or any other debt financing) is called the company's capiral structure.
Finance is used by individuals , by governments by businesses as well as by a wide variety of organizations including schools and non-profit organizations. In general, the goals of each of the above activities are achieved through the use of appropriate financial instruments and methodologies, with consideration to their institutional setting.
Finance is one of the most important aspects of business management. Without proper financial planning a new enterprise is unlikely to be successful. Managing money (a liquid asset) is essential to ensure a secure future, both for the individual and an organization.

Nokia Music Store UK opens 1st Novemeber

NOKIA are to launch the Nokia Music Store on 1st Novermber. It was revealved in London today. The Nokia Music store has been the talk of the forums these past few months and now finally the store opens tomorrow! The Nokia music store will provide Millions of tracks from major artists, independent labels, and up-and-coming UK acts will be available alongside a host of interactive features such as music browsing, personal track recommendations, and a favourite artists search function.
Users will be able to sign up and access the music store via their PC or direclty to thier handsets, via Nokia's brand new optimized handsets the Nokia N81 8GB and Nokia N95 8GB. Both these handset will go on sale on the 1st November and will be avialble to

and leading online retailers.
Standard music tracks will cost 80p per download and albums from £8.00. The Nokia Music Store will also offer a monthly subscription for PC streaming for £8.00. The store's intuitive user-interface makes streaming full-length tracks easy, and offers options to create customised playlists and note tunes on a wish list that you can decide to buy later. Tracks purchased can also be transferred via your PC to compatible Nokia devices. All music on the Nokia Music Store can be purchased through a variety of payment options, including credit cards and pre-paid