Blog dedicado a la formación en todos sus ámbitos: presencial, online, a distancia
Laura Colorado y Carolina Cristanchi pretenden, con Apadrina, que sus alumnos se conviertan, por un curso, en Consultores en Prácticas de Marketing Punto de Venta. Es decir, asesorarán a PYMES en su negocio, aprenderán de ellos y estudiarán su establecimiento para realizar un informe detallado del mismo
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Una infografía sobre: Diseñando posts de FaceBook con Photoshop.
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Diseñando posts de FaceBook con Photoshop
The Associated Press reports that a new Bankrate.com checking survey found the average fee for using out-of-network ATMs climbed 5% in the last year to a high of $4.35 per transaction, while average overdraft fees now sit at more than $32.
The average cost of ATM fees increased for the eighth consecutive year.
Generally, using an out-of-network ATM results in consumers being charged two fees: one from the customer’s bank and one from the owner of the ATM.
According to Bankrate.com, the average fee banks charge their own customers for going to an outside ATM rose to a new high of $1.58, while the average surcharge that banks charge non-customers at the ATM climbed to $2.77.
In all the average fee for using out-of-network ATMs increased by 23% in the past five years; marking 2014 the eighth year in a row with a new high.
Consumers paid an average of $32.74 in fees for non-sufficient funds this year.
As for overdrafts, Bankrate.com found fees increasing by 1.7% to an average of $32.74. The rate marks the 16th consecutive record high.
The increased fees are just one way the banking world has responded to tougher federal banking laws that included limits on when overdraft fees on ATM and debit transactions can be charged.
Bankrate surveyed 10 of the largest banks in 25 large U.S. markets to determine fee increases.
Phoenix recorded the highest average ATM fee, charging $4.96 on average per transaction. On the flip side, Cincinnati had the lowest average fee at $3.75.
Philadelphia had the highest average overdraft fee of $35.80, while San Francisco had the lowest fee with $26.74.
In addition to having a difficult time avoiding rising fees for overdrafts and out-of-network ATM visits, consumers have fewer options when it comes to no-strings checking accounts.
Only 38% of banks in the Bankrate.com survey offer free checking. However, many of those banks often waive monthly fees if account holders have their paychecks deposited directly into the account.
Additionally, Bankrate found that the average monthly service fee for a non-interest checking account feel 5% to $5.26 over the last 12 months.
To avoid costly fees, Bankrate suggests consumers use their bank’s websites to find fee-free ATMs or get cash back while using a debit card at the register.
Survey: ATM, Checking Account Overdraft Fees Surge [The Associated Press]
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Una presentación sobre el Diseño de una estrategia de marketing online efectiva.
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Una infografía sobre la lógica del Engagement.
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La lógica del Engagement
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Una presentación sobre cómo crear un CV Diferente y superar una entrevista por Skype.
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Una infografía sobre los edificios más caros del Mundo.
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Los edificios más caros del Mundo
Here’s one of the spots, urging aspiring phone-sellers to “delete that middleman” and sell directly.
It’s a pretty nice deal, where eBay promises a $100 coupon to people who list their phone in an auction, but it doesn’t sell. The problem is that selling in an auction format can be confusing for first-time sellers, and selling big-ticket electronics on eBay can also lead to trouble if you don’t know what you’re doing.
The editor and readers of industry site eCommerceBytes don’t think so. Selling electronics on eBay and on Amazon can be tricky, requiring experience and a keen eye to protect yourself from fraud. For example, they point to one customer profiled by First Coast News who sold a broken, non-working phone on eBay, and the buyer turned around and complained that the phone…didn’t come with access to the original owner’s iCloud account, which wasn’t a condition of the sale.
The problem is that buyer-friendly policies meant that the customer received a full refund after complaining that they didn’t receive what was promised in the sale. This left the seller without the phone and without her money.
One of our own readers also shared a tale of iPhone sales woe two years ago. In that case, the seller took precautions, mailed the phone with delivery confirmation, and it disappeared while in the metaphorical hands of the U.S. Postal Service. Unfortunately, proof that he had mailed the package wasn’t sufficient for eBay, and they issued a refund to the buyer.
Can you get more cash by selling your phone on eBay? Sure, sometimes. The difference is that selling directly to a third party who lives far away introduces the potential for fraud, and even the most experienced eBay sellers end up without their money and without their phone.
Consumer Gets Burned Selling Used iPhone on eBay [eCommerceBytes]
