Archive for the ‘Internet Banking’ Category

Internet Banking Savings Accounts

Imagine the next time you join a discussion about Internet Banking. When you start sharing the fascinating Internet Banking facts below, your friends will be absolutely amazed.

Internet banking savings accounts are being used more every year by people across the country and around the globe. They offer a better alternative to traditional savings accounts. People who use internet banking savings have good reasons to do so.

If you opt for a traditional savings account instead of an internet banking account, you will get a very low interest rate. In fact, you will not make enough on your money to cover the cost of inflation. Savings in traditional banks are generally around 1% annually.

This low interest rate barely makes it worth your effort to save. You will be better off to buy things at today’s prices. That way, when money is worth less, you will not have your money sitting in a traditional account where it will then buy less than it can now. Internet banking provides an alternative to this situation.

Many traditional banks have worked to establish incentives to encourage saving among their customers. They have set up programs where extra money can be put into savings automatically. They have also encouraged the use of automatic transfers to your savings weekly or monthly.

These measures do not work because the interest rates are so low that people see no future in saving. However, with internet banking, all that changes. Internet banking institutions tend to offer rates more along the lines of 4.5% to 5%.

This difference allows consumers to put money in internet banking savings accounts and know that it will retain its value over time, as long as the rates stay up. With the traditional savings, rates would have to soar to even come close to this level.

It seems like new information is discovered about something every day. And the topic of Internet Banking is no exception. Keep reading to get more fresh news about Internet Banking.

Another advantage of internet banking savings accounts is a good deal for the small investor. You may not have large amounts of money to save at one time. If not, you are like many financially strapped Americans.

In many traditional banks, this means that you will be given the lowest possible interest rates. If you go to a brokerage firm, you cannot open a money market account for less than $1000 as a minimum balance. Sometimes it is even more. This is not so for internet banking savings accounts.

If you have your savings through internet banking, you will be able to have high interest rates at any level of investments. You can start your internet banking savings account with as little as $100.

You might have to pay service fees until you reach a certain threshold, usually a few hundred dollars. After that, you will be making money at better rates than you ever could at a traditional bank.

One downside of internet banking is that some of the major banks will not deal with customers who demand a lot of time. They will discourage these customers from using their services because they are too hard to handle. This is not true of all internet banking, but if you need a lot of help, you should be aware of it.

Overall, though, savings done through internet banking institutions still work out better for most people than traditional savings accounts. There is just no reason to deny yourself the best interest rates your money can earn.

It never hurts to be well-informed with the latest on Internet Banking. Compare what you’ve learned here to future articles so that you can stay alert to changes in the area of Internet Banking.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

How to Keep Your Internet Banking Account in the Black

If you’re seriously interested in knowing about Internet Banking, you need to think beyond the basics. This informative article takes a closer look at things you need to know about Internet Banking.

If you keep a large balance in your internet banking account, it may be easy for you to keep it in good standing. However, if you are like many people, you might be running on a tight budget. If so, you will need to be careful about how you handle your account.

One of the most important things you can do is to confirm that any deposits that should go into your account are credited. They must, of course be in the internet banking account before you can draw them out. If you are paying bills with them, they need to be in place.

If you have direct deposit, you may become slack about checking to see if the money is in your account. This is a bad habit to get into for a couple of reasons. First, there could be a banking error on the part of your internet banking firm or on the part of the sending bank.

Second, the amount of the deposit could change for some unexpected reason. In either case, you will need to know immediately. Besides, with internet banking, it is simple to go to your computer and check your deposit as soon as you expect it.

If you make manual deposits, the wait time will be longer. It may take a week or longer for a check to get to your internet banking headquarters if you mail it in. You need to check for the deposit so that you will not spend money that is not there. What is more, you should know your company’s policy about holding checks, if it is a large one.

If you don’t have accurate details regarding Internet Banking, then you might make a bad choice on the subject. Don’t let that happen: keep reading.

With internet banking accounts, you can set up bill paying online. You set up the payees in advance and type in how much to send them and when. Your bank will even send you emails when payments are made if you request it.

However, it is easy to let these automatic bill paying services get out of hand. If you set up all your bills and do not keep a watchful eye on your internet banking account, you could be in trouble. If you let your balance get too low before your bills become due, the bank will still pay them as scheduled, up to a point.

When they do, they will charge you an overdraft fee every time. Eventually they will close your internet banking account and present you with a bill. If your money is this tight, it might be best to set up each payment as close as possible to when it is due. That way you will not forget it.

If you do use automatic bill paying, you need to be certain to take these deductions into account. When you use your ATM card or debit card, you should keep in mind how much money you have in your internet banking account and how much money is scheduled to come out before more money comes in.

Perhaps the most important thing you can do to keep your internet banking account in order is to check it often. If you are one of the many people who do not have extra money to leave in an internet checking account, it pays to watch for mistakes and oversights.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

Internet Banking Research

The following article presents the very latest information on Internet Banking. If you have a particular interest in Internet Banking, then this informative article is required reading.

Much research was done on internet banking even before it was started. The research continues to this day, with more and more participants involved. As people use internet banking more, it gives researchers more reasons and subjects to study.

One study showed the devastation of identity theft on individuals. They had trouble getting jobs, loans, and insurance, for example. They could not conduct business in a bank, not even internet banking. Some ended up in very difficult positions.

The study suggested that banks, including internet banking institutions, would do well to proclaim themselves as the champions of identity protection. This would help them by limiting their losses. Besides this, they could charge a fee for the service.

Another study evaluated how people felt about the security of their internet banking transactions. 78% of them stated that they would like some kind of verification of their identities to be carried out at certain times. This, they thought, should be done at the moment that unusual transactions were being done on their internet banking accounts.

People seem to be getting more comfortable with internet banking every year. One study showed an increase in internet banking of 9.5% between 2006 and 2007. Another study predicts that 76% of the households who have an internet hookup in the year 2011 will also do internet banking.

It is true that internet banking and online bill paying are predicted to continue their rise in popularity. However, viewing bills electronically is expected to decline. Payment by other means besides internet banking is also expected to go down, including bill paying by phone.

Once you begin to move beyond basic background information, you begin to realize that there’s more to Internet Banking than you may have first thought.

Some studies have made use of surveys that ask people if they want alerts for their internet banking accounts, and if so, what kind. It turns out that consumers do want alerts for their accounts. What is more, they want a lot of alerts for a variety of occurrences.

They want to be alerted when a bill is going to be paid and when it has been paid. They want to be able to set an alert to tell them when a certain check has cleared. They want to be alerted when there is any inkling of fraud. This one, of course, is an especially good idea.

The demographics of internet banking have also been studied. It seems that the middle income people who use internet banking are afraid they will lose control without better records. Anything that can be done to give them better records will make them more comfortable to use online banking.

The lower income people have many reasons for not using internet banking. The over-$100,000 group seems to use it more. They also tend to use it without fear. This may be because they are in less danger of running out of money and overdrawing their account.

A new field of study is social networking. This is a concept that involves the use of internet banking by networks of people. They are usually in their 30′s and 40′s. They put their money together to make deals with financial organizations. Study is geared towards finding out how this will affect internet banking for these people, and for all internet banking customers.

Internet banking research is going on, and will continue to go on as long as online banking exists. The banks want to know how to stay profitable. Hopefully, they are also interested in how to better service their customers.

Is there really any information about Internet Banking that is nonessential? We all see things from different angles, so something relatively insignificant to one may be crucial to another.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

How to Pay Bills through Internet Banking Services

Current info about Internet Banking is not always the easiest thing to locate. Fortunately, this report includes the latest Internet Banking info available.

Internet banking can make paying bills a quick, easy task. Once you set it up, it can be done automatically, if you choose to make it that way. Or, you can pay each bill individually. Either way, you be more accurate and save time as well.

Some internet banking companies allow you to do online bill paying for free. You usually have to have a “qualifying account,” but the rules for those vary. You can also get free online bill paying if you carry a large balance in your internet banking account.

For some banks that amount is $1000, for others, it is $5000. Otherwise, you will have to pay a fee, which will be well under $10 per month for a certain number of bills paid and an additional fee for extra bills. This additional fee is usually under $0.50 per bill.

To sign up for automatic bill pay through internet banking, start at your bank’s website. There should be a tab marked “bill pay” or something similar. Click on that and you can enroll in their bill paying services.

Then, you will be instructed in how to set up your payees. You will go to a tab marked “Add Payee.” This will give you options of how to list the people you are sending money. You will probably be asked the name and zip code of the company. Some internet banking services will ask you for the company’s address, too.

If your Internet Banking facts are out-of-date, how will that affect your actions and decisions? Make certain you don’t let important Internet Banking information slip by you.

Type in the information you have about your payee. Or, if the company you wish to pay is on a list compiled by the internet banking company, you can simply click on it and select it. You have now set up the person who is to receive payment.

Next, you designate which account from which that person or company is to be paid. This is particularly important if you have several accounts with the same internet banking operation. Your accounts will be in a drop-down list where you can select the one you want.

You can set up a bill payment up to a year before you have it taken out of your account. You cannot do an immediate bill payment. It will take a certain amount of time for the payee to receive payment.

You can set up recurring payments to be taken out of your account periodically. These payment arrangements are commitments. Unless you cancel them in time, they will be paid. If you do not have the money in the internet banking account for them, you will overdraw.

You can find out if your payment has been made in different ways. You can opt to be notified by email from your bank every time they pay a bill. The payment will also show up in your internet banking account transactions on the website. You will also know from your next bill from that company if a payment was credited to your account.

Paying bills through internet banking is easy once you get the hang of it. If you set it up correctly, it takes very little management to keep up the steady stream of payments going from your account to those with whom you do business. Now, if internet banking could come up with a way for you to stop having to pay bills, you would have it made!

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

How to Confirm an Internet Banking Company is Legitimate

When you set up your first internet banking account, you may have reservations about it. After all, anyone could set up a website, claim to be a bank, and fraudulently take your money. There are some precautions you can take to be sure your online bank is a legitimate one.

Start by going to the bank’s website. There, you can get the information the bank gives you about their banking credentials. The bank’s official name should be listed. There may be articles describing the history of the bank, including their internet banking history.

There should be an address where the headquarters can be found. There will be a base of operations somewhere, even if it is a virtual bank internet banking operation. If they are on the up-and-up, they will not be hesitant to tell you about their FDIC coverage.

It is easy to check a bank’s FDIC insurance. If you see the words “FDIC Insured” or “Member FDIC” or the FDIC logo, you might be on the right track. However, it is wise to go a step further. Go to the source to find out if the internet banking company is really affiliated with the federal insurer.

The FDIC has its own data base that includes all of the banking institutions, including internet banking companies that are covered by FDIC insurance. Just go to their “Bank Find” site to find out if your bank is one of them. You can start your search with the name of the bank or its address.

Once you begin to move beyond basic background information, you begin to realize that there’s more to Internet Banking than you may have first thought.

If your internet banking company is on that list, the FDIC will provide you with a whole list of helpful information. You will learn when the bank became insured, and the number on its insurance certificate. You will find out the location(s) of your bank and its official name. You will find out what government entity regulates that bank.

If your internet banking company does not appear on the list, it is time to go directly to the FDIC. They will be concerned with the legitimacy and safety of that bank. It is probably not wise to put your money in an uninsured bank. At that point, it is better to look for another internet banking operation.

Once you do sign up with an online bank, be cautious about how you use their internet banking website. Some unscrupulous people will use the internet to get your banking information. They will do this when you log onto your bank’s website.

The trick these dishonest people use is to set up a website that looks like your bank’s website. They have a URL that is very similar to your bank’s URL. Then, they sit back and wait for you or others to make a mistake typing in your bank’s URL that will get you to them.

From there, the fraudster will track all the information you type into the opening page. They will be able to get your user name, your password, and any other information you type. The best way to make sure you are dealing with your legitimate bank is by being very careful when typing in their site address.

If you are to trust your internet banking company, you must take precautions to assure yourself that it is a respectable business. Once you do that, you can bank with ease.

Now might be a good time to write down the main points covered above. The act of putting it down on paper will help you remember what’s important about Internet Banking.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

Internet Banking and Investing

Internet banking investing is ideal for those who have a little more than is needed for a small savings account. Although internet banking savings accounts do better than traditional accounts, investment accounts have much more potential.

The first thing to remember, though, is that internet banking investment accounts are not FDIC insured. You are taking a risk to put your money in such accounts. Yet, the possibility for financial gain is so much greater that, for most people in a position to do it, it is well worth the gamble.

In fact, knowing how much risk you can tolerate is crucial in knowing how to plan your internet banking investing theme. You need to determine how much of your holdings you will put into high risk ventures like certain stocks. You also need to figure out how much you want to balance that with lower risk vehicles like bonds.

This balance is part of your internet banking investment process. You cannot put all your money in one form of investment without making a very unwise decision, in almost every case.

You need diversity in your internet banking investment portfolio. This will allow you a chance to make some serious money, and at the same time, protect part of your assets in case of a drop in stock prices. You also need to reevaluate the percentages of low risk-high risk investments in your internet banking portfolio. They will naturally change over time and need correcting.

Those of you not familiar with the latest on Internet Banking now have at least a basic understanding. But there’s more to come.

You can use an internet banking savings account or invest your money in higher yield products. You will need to bear a few things in mind. When money compounds, you are making money without effort. This can come from savings or investment. Furthermore, you must find a way to beat inflation in both cases. Otherwise your money will be worth less when you take it out than when you put it in.

International investments through internet banking are becoming more important as world communication increases. The planet is becoming so connected that investing in another country is like investing in the US in many cases. This makes internet banking all the more important.

Many investment firms suggest that you cannot invest properly without sitting down face to face with an investment professional. This may be a good option for many. However, much profitable investment takes place through internet banking.

Furthermore, just because you are investing through internet banking, it does not mean that you will not have access to professionals. You will be able to go to people who will assist you with advice on your financial decisions.

You can generally read about the credentials of these people in the “About Us” section of the website. It is important to know that brokers are people who deal with different companies to try to offer you the best investments, through internet banking in this case. Financial advisors can help you with all aspects of your money matters.

There are ways to use internet banking to do investing in a variety of stocks and bonds. It makes the process easy and fairly quick. It will be an important way for people to prepare for the future in coming years.

This article’s coverage of the information is as complete as it can be today. But you should always leave open the possibility that future research could uncover new facts.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

How Internet Banking Institutions Are Set Up

The best course of action to take sometimes isn’t clear until you’ve listed and considered your alternatives. The following paragraphs should help clue you in to what the experts think is significant.

Consider all the internet banking institutions available for business. Some are set up by large corporations and some are small companies. Although you may never want to set up an internet banking operation yourself, it is enlightening to take a look at the process.

The first order of business is to gather a group of at least five people to organize the internet banking company. These people will be on the board of directors, and one of them should be the CEO of the bank. The five or more people will be intensely involved together to form working procedures of the bank.

After the group is brought together, they must choose a name for their internet banking company. They have to be very picky when it comes to their name. They will want the name to be easy to remember. It should be catchy and have a nice ring to it.

Another consideration with the name is making it original. Getting a name that can also be used as a domain name is preferable. Also, the name must pass strict guidelines as to its similarity to other banks and internet banking institutions if it is too similar, the bank founders will not be able to obtain a trademark for it.

To get a name trademarked, they simply have to go to the US Patent and Trademark Office. There is just one form to fill out. They submit it with a fee and wait for approval. Sometimes, they have to make a case for their trademarked name. This is done through emails. If all goes well, the internet banking name will soon be theirs.

So far, we’ve uncovered some interesting facts about Internet Banking. You may decide that the following information is even more interesting.

The group of investors can now go to web-hosting services and set up a website that can be accessed publicly. To make the website, professionals are needed. The website is, as far as the consumer is concerned, the heart of the internet banking business.

The professional website designer should design an internet banking site with the highest level of security. This includes such features as 128-bit encryption, secure socket layering, and adequate firewalls.

For the consumer’s preference in use, there are other considerations in making an internet banking website as well. It should be eye-catching to bring in the most customers. It should also be easy to get around the website. Another consideration is copyright infringement. It must be ascertained that nothing is directly copied onto the website.

The group now forms its charter. It must apply for an internet banking charter through the Office of the Comptroller of Currency (OCC). This is a lengthy process and involves a huge amount of paperwork and information.

Another way is to take over stock in an existing bank and put in a change of charter with the OCC. In any case, the OCC will give the board of directors advice on how to best submit their application for the charter of their internet banking operation.

The OCC evaluates all the information the internet banking partners have put together about their financial situation and their proposed banking policies. Then, if the OCC grants a charter, the bank is ready to open its virtual doors.

I hope that reading the above information was both enjoyable and educational for you. Your learning process should be ongoing–the more you understand about any subject, the more you will be able to share with others.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

Books on Internet Banking

The following article includes pertinent information that may cause you to reconsider what you thought you understood. The most important thing is to study with an open mind and be willing to revise your understanding if necessary.

There are many intellectual books on internet banking. There seem to be few that the average person can read and understand. With a little investigation at your local bookstore and online, you can find some fairly recent books that have something to say to the average consumer about internet banking.

Scams and Swindles: Phishing, Spoofing, ID Theft, Nigerian Advance Schemes Investment Frauds: How to Recognize and Avoid Rip-Offs in the Internet Age is a book written in plain English and put together by Silver Lake Editors. It is a how-to book of instructions about knowing when you are being taken for a ride.

If you read this book, you will get information from crooks who have scammed, people who have been scammed, and cops who have investigated scams. You will be given worksheets and detailed reports on recognizing internet banking fraud. It is a must-have book for anyone who wants to understand how frauds work.

Carrie Mauriello wrote an interesting book titled Net Worth, Using the Internet for Personal Financial Planning. In this book, the author discusses how internet banking services can be used to create wealth. The usual financial concepts are discussed. Understanding net worth and how to accumulate cash are important ones. Different types of investment vehicles are also mentioned.

The difference in this book is that it is all related to internet banking. It is all designed to make it easier to run your finances from your home computer. This not only includes your internet banking savings accounts. It includes stocks and bonds, as well. It is well worth the investment.

Those of you not familiar with the latest on Internet Banking now have at least a basic understanding. But there’s more to come.

The Wireless Internet Opportunity for Developing Countries is not a book primarily devoted to internet banking. However, it sheds some light on how internet banking may become more popular in developing countries. It explains that mobile devices are much preferable to installed devices in such countries.

This is because, for anything that involves installation, like a satellite or cable service for internet, people have to wait quite awhile. So, the book suggests, the early users of internet in developing countries will be those who have wireless internet. It stands to reason that these people will use their computers for internet banking as well.

If you are up for another serious read, you might find Modern Trends in Global Banking Development informative. This book is a studious report on banking issues that affect the world. It includes a discussion of internet banking.

You can also order articles to download from the internet. One article discusses the implications of internet banking on mortgage lending. This article is called “The Forced Evolution of Mortgage Production. (How the Internet Forced Evolution of the Mortgage Banking Industry): An Article from: Mortgage Banking.” The article claims that internet banking has forever changed mortgage banking.

It takes diligence to find pertinent information on internet banking. Much of the information is too outdated to be of any usefulness. A lot of it is written in complex banker’s language and words only an internet guru would love. However, there are some books that are interesting to read about the subject of internet banking.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

Internet Banking with Virtual Banks

You should be able to find several indispensable facts about Internet Banking in the following paragraphs. If there’s at least one fact you didn’t know before, imagine the difference it might make.

There are two ways to do internet banking. Banking online through a website set up by a traditional bank does not seem to be too much of a stretch for many people. However, virtual banks are taking internet banking to a whole different level.

A virtual bank is a bank that has no physical structure where you can go to conduct business. It has no branches convenient to you. You simply do all your transactions through the internet banking.

If you have a problem, you cannot go to your local branch and complain to the manager. Instead, you have to contact representatives of your virtual bank online. Sometimes, you can take care of these internet banking tasks over the telephone. If you like to deal with problems face to face, though, virtual banks are not for you.

A virtual bank does not have automatic teller machines. It usually charges you fees to use other banks’ ATM’s. There are some virtual banks that will reimburse you for ATM fees. This is an important thing to consider when you are comparing internet banking.

If you use ATM’s a lot, you will not want to pay extra every time you use one. It matters especially with a virtual bank. If you do internet banking with one, it will be the way you usually get cash. If not, you will have to transfer funds from your virtual bank to a traditional bank account and then get the cash from that bank.

You can see that there’s practical value in learning more about Internet Banking. Can you think of ways to apply what’s been covered so far?

Deposits are done differently at virtual banks. When you are doing strictly internet banking, there is no one to cash checks for you. You can have steady income amounts automatically deposited into your internet banking account.

However, someone will eventually buy something from you, or you will get a rebate check. At that point you will need to make a manual deposit. Some virtual banks now have set up deals where you can make deposits to internet banking accounts through certain ATM’s. Some will let you turn in deposits of checks at Mail Boxes Etc. Yet, it is still somewhat of a problem.

Do not assume that a virtual bank does not have proper insurance. Most virtual banks in the US do. To be certain, you can go to the FDIC’s website and look up the name of your virtual bank you are considering. Most likely, you will find it there. Then, you can find out information about the bank’s insurance with the FDIC. If you do not find it on the list, report it to the FDIC as an internet banking company without insurance.

Of course, there are security risks with virtual banking. However, most of them can be taken care of by you guarding your private banking information. Virtual banks have everything to lose if their security is breached, so they go the extra mile to assure that your internet banking is safe.

It is an age when most banking relies on computers, whether for internet banking or for transactions within a traditional bank. You cannot get away from the use of the internet being used in your banking. Internet banking by means of virtual banks just takes it one step further.

When word gets around about your command of Internet Banking facts, others who need to know about Internet Banking will start to actively seek you out.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

Advantages of Internet Banking

So what is Internet Banking really all about? The following report includes some fascinating information about Internet Banking–info you can use, not just the old stuff they used to tell you.

Is the nature of business forcing customers to use internet banking? Or, is there something in it for the customers? Indeed there are many advantages to doing internet banking.

1. It is easy to open an internet banking account. You sit, in the comfort of your home or office, and type in your answers to a few questions. You set up the security measures that will be used to access your account, like usernames, passwords, etc. Then, all you need to do is print off and sign a form to send in to complete the process.

2. Internet banking is cheaper. With the advantage of having no physical structure to keep up, virtual banks have low overhead. They can afford to cut you a break by offering higher interest rates on your savings. They will also offer lower overdraft fees. Even banks that are backed by physical buildings encourage online banking with free bill paying services.

3. Internet banking allows you to compare deals easily. You can go to different online banks and find out their interest rates and policies about checking and savings accounts. You can learn what credit cards they offer, and at what rates. You can compare loan terms. You can check with the FDIC to check the banks’ credibility.

It seems like new information is discovered about something every day. And the topic of Internet Banking is no exception. Keep reading to get more fresh news about Internet Banking.

4. Internet banking customers can watch their daily balances. By going on the internet to the bank’s website you can look at what is going on in your account any day or time. You can check your balance. You can find out if a particular check has cleared your account or see when automatic deposits are made. All these services make check bouncing nearly a thing of the past.

5. Your monthly statement can be reconciled by using your computer. You can download your bank data into a software program like Quicken or Microsoft Money. Then, with a few clicks of your mouse you can square up your account. Through your internet banking account, you can even see copies of checks you have written.

6. You have a better chance to catch fraudulent use if you have an internet banking account. When you check your debits and deposits, you will most likely notice if something is there that you did not do. If someone withdraws money from your account, you will know it as soon as you log on and look over your account. Then, you can work on correcting the situation long before you would even notice it with conventional banking.

7. Internet banking is much more convenient than traditional banking. You do not have to wait for the bank to open its doors. You do not have to drive to get there. If you are using internet banking for your office, you will not have to waste valuable time going to the bank. You can manage your funds anywhere, any time.

Internet banking is growing for a reason. People are getting accustomed to transacting business over the internet. They are enjoying the convenience and the control over their money that internet banking gives them.

As your knowledge about Internet Banking continues to grow, you will begin to see how Internet Banking fits into the overall scheme of things. Knowing how something relates to the rest of the world is important too.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO