Choosing the Right Bank for Your Business

Whether you’re starting a new business or you’re simply looking for a new bank for your current business, finding the bank that serves your business best generally isn’t as easy as simply opening an account at the bank where you do your personal banking. Businesses tend to have different needs than individuals, and the fact that a bank does well with personal banking services isn’t always an indication that they’ll be able to best fit the various needs of your new or existing business.What to look for in a bankWhen looking for a new bank for your business, there are a variety of factors that you should keep in mind. Request information on any business-specific services that the bank offers, the interest rates that they offer on certain accounts or the fees that they charge for certain services, and the availability of night deposits or online access to your business accounts. Some banks offer only some of these services, whereas others offer all of them… taking the time to investigate the offerings of several different banks will help you to determine which bank offers the best combination for you and your business.Business servicesMany banks offer services for business that are specific to the needs of those businesses. Some of these services may include specialized account statements detailing various aspects of expenses, interest, and deposits, as well as quarterly tax account preparation. Other business services offered by banks may vary from area to area and from bank to bank, and should be investigated fully before making a decision on one bank or another.Interest ratesInterest rates on business accounts may vary from those offered on personal accounts, depending upon the type of account that you open for your business. Many business accounts may offer no interest at all, and may instead have fees associated with them… it largely depends upon the type of account and the bank at which it is opened. Investigate all of the options available to you so as to find the bank that offers your business the best account options.ChequeingOne type of account that doesn’t differ greatly from those accounts offered to individuals is the chequeing account. While business chequeing accounts do tend to have fees associated with them (as most business accounts do), they function in much the same manner as standard chequeing; there are generally a few differences in the account statements and cheque-writing policies, however. It is important to get as much information on the fees, attributes, and policies associated with a business chequeing account as you can, so be sure to take the time to question the banks about the specifics and compare the account offerings of several different banks in order to get the most out of your business chequeing account.Night deposits and online accessAccessibility is also a major factor that should be considered when choosing a new bank for your business. The bank that you choose should have a night deposit drop box (with a key given to you or to specific people in your business), instead of simply having to use an ATM or wait until business hours. Online account access is another major factor that should be requested… this way you can track your business expenses, account balances, and verify deposits from either your office or the privacy of your own home. Making sure that you find a bank that meets your business needs should be a top priority, so compare the offerings of several banks before you make a final decision.

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Crohn’s Disease Treatment – What Are the Options?

Crohn’s disease is an inflammatory disease of the bowel that can cause your digestive tract to become inflamed. As a result it can be particularly unpleasant as it can cause sharp abdominal pains, vomiting, nausea, fever, weight loss and diarrhea. There is no magic cure, unfortunately, but there are a number of ways you can help treat this disease.Before you start any type of treatment, you should of course consult your doctor to both diagnose your condition and to discuss your treatment options. Once you’ve done that you will be given a number of different treatment options that will hopefully help to reduce the inflammation and make it a lot less uncomfortable.Most treatment options involves drugs of some kind, at least to start with. So you could be advised to try particular drugs such as sulfasalazine, mesalamine and corticosteroids. These are all anti-inflammatory drugs so many people get some relief from trying one of these medications.You may also be advised to take specific medication to help suppress the immune system. This will help prevent recurrent attacks of Crohn’s disease in the future. In addition, you may also be given antibiotics to help treat infections and reduce any bacteria that may be present in the intestine.Other medications may also be prescribed, depending on your own individual condition. So you may be given anti-diarrhoea medications to obviously help prevent diarrhoea, and specific dietary supplements to help counteract malabsorption.So there are a wide range of drugs that can be used to treat Crohn’s disease and very often it will be the case that different medications help different people, as not everyone responds in the same way to specific treatments, particularly as everyone’s condition is different and often unique to that individual.Most individuals will get some relief from drug treatment but for those that don’t, surgery may be recommended as a last resort. The objective of surgery is to remove the damaged part of the digestive tract and remove any scar tissue that may be present. This can often have a positive short-term effect for most people, but can also improve the condition long-term in some patients, although Crohn’s disease can return in other areas of the intestines later on.These are the main treatment options for Crohn’s disease but meanwhile you can make certain changes to your lifestyle in order to help treat the disease. These can include cutting out smoking, drinking more water, and making changes to your diet.Overall there is no outright cure for Crohn’s disease, but with the right treatment the disease can be effective managed and kept at bay, enabling you to live a relatively normal and comfortable life.

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Cure Your Child’s Winter Blues with Penguin Activities and Celebrate the Season!

Brrr! Winter is the coldest season of the year. Water freezes to become ice, snow, sleet, or icicles, creating a sparkling wonderland. Many plants and animals become dormant or hibernate. People bundle up in hats, mittens, and boots. It’s a time for enjoying outdoor activities like ice skating, sledding, and building snowmen or indoor activities like drinking hot chocolate, curling up with a book by a toasty fire, or going to see a good movie like “Happy Feet,” an uplifting story about a tap-dancing penguin named Mumble. Give winter boredom the boot and learn about penguins.Penguins range in size from the fairy penguin which only gets about 9 inches tall to the emperor penguin which can reach lengths of up to 3-4 feet. Although penguins are birds, they do not fly, at least not in the air. Penguins spend most of their time underwater looking for dinner (fish, squid, krill, and crustaceans). All penguins live below the equator, from the Galapagos Islands to Antarctica. That’s why you’ll never see a penguin and a polar bear together-except on the Coca Cola┬« commercials.To learn more about penguins visit your local library to find penguin movies and books and try these penguin-inspired crafts and activities:Potato-Stamp Penguin
Cut a large and a small potato in half lengthwise. Paint the large potato half black and then stamp it on blue craft paper. Paint wings on black body and let dry. When dry, paint small potato half white and then stamp it on the black penguin body. Cut a beak and feet out of orange craft paper and glue on penguin. Add wiggly eyes. Make an ice landscape with torn craft paper, tissue paper, or cotton balls.Fingerprint PenguinStamp thumb into white paint and make one large “thumbprint” tummy on a piece of blue paper or cardstock. Next, stamp index finger into black paint and make fingerprint wings on either side of the tummy. Then, stamp tip of pinkie finger into the black paint and make a fingertip head on top of the penguin. Use a toothpick to make two white eye dots. Allow to dry. Finally, use the toothpick to add a beak and feet with orange paint.Penguin Egg WalkExplain that emperor penguins have to carry their eggs and babies on their feet. This is not an easy task. Have children take off their shoes and try to walk around with an egg on their feet. (Make an egg out of a white sock filled with rice or cut a big egg out of white paper.)Here are some other great art activities to do with your children outdoors:Make Penguin Snow Sculptures
Have children create snow penguin sculptures and paint with snow paints. (Mix food coloring and water and fill small containers with the mixture.) Children will enjoy exploring the effects that the paint makes on the snow.
Don’t forget to fill those little tummies with a treat fitting for a penguin:Penguin Snack Krill (a Ritz cracker covered with cream cheese and topped with a tiny shrimp or tuna)The days may be short and the world covered in white, but you don’t have to suffer from the winter blues! Visit for a blizzard of other fun winter and penguin crafts and activities.

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