Automatic teller machines have been around since the 1960s.  Since that time, the availability has increased, the services they provide have widened, and the potential for additional revenue due to their use has skyrocketed.  There doesn’t really exist a bank without at least one ATM.  You can find them just about anywhere nowadays.  From the gas station to the airport, restaurants to casinos, ATM service NJ has spread far and wide.  With that being said, finding the right retailer and service contract supplier for these machines is an important decision.  We found that RMC ATM Solutions has the best ATM service NJ has to offer.  They put their customer service first and foremost making them one of the top ATM suppliers and servicers in New Jersey. 

What Can You Do With an ATM

Withdrawals

There are many things you can do at an ATM.  One of the most obvious things is to withdraw cash from one of your accounts.  This can be a savings account or a checking account.  You don’t even need to be at your bank to do it. However, most ATMs owned by other financial institutions or owners will charge a fee to use their machines if you are not their customer.  That fee can vary widely so make sure you read all the screens before you process your transaction.

Deposits

You can also make a deposit at almost every ATM as well. This type of transaction, however, must be done at a machine owned by the bank who holds the account. This can be very convenient for those who work long hours.  If you are not available to go to the bank during normal business hours, as long as your bank has an ATM, you can still deposit your checks through the ATM.

Buy Stamps

One unorthodox use of an ATM is using it to buy stamps.  While not all banks or financial institutions offer this ATM service NJ, some do.  We find this to be super convenient. Now you no longer have to go to the bank and the post office.  One stop is all you need.

ATM Service NJ Can Check Balances

Another thing you can do at an ATM is review your accounts.  Whether you need to check a balance or transfer money between two of your accounts, many ATMs offer that service.  It’s always a good idea to check your balance prior to making a withdrawal. This is just one more ATM service NJ that eliminates the need for customers to clog up teller lines.  By reducing the number of clientele waiting in line, you allow your employees to focus on each individual client and it gives them the opportunity to offer more of the solutions that your branch has available.

What You Can’t Do

While you can do a lot with an ATM, you can’t do everything.  The list of what you can’t do at an ATM is limited and is becoming smaller with each improvement.  Even if your branch isn’t ready to make the jump to ITMs yet, upgrading your ATM service NJ is always a good idea.  The more you offer your customers, the happier they become.

Cash Money Order

While you can withdraw and deposit cash and checks at an ATM, you cannot cash checks or money orders.  Unfortunately, this is one of those things that has to be done with a teller. Most banks offer drive-through services though to help alleviate the burden of having to go into the lobby. The inclusion of ITMs can help reduce the customer load in the lobby also.  These machines use the assistance of a teller without requiring account holders to wait in a lobby line.

Specify Denominations

Speaking of withdrawing money from the ATM, there is one detail that is limited during that transaction – You cannot specify what denominations you receive your cash back in.  You also can’t request smaller bills.  Some ATMs do not dispense cash below a $10 denomination while others don’t go below $20.  To get specific change, you’ll need a teller.  Also, ATMs cannot do anything with coins.  It cannot accept them nor dispense them. So, if you have some rolled coins or need change for something, you’ll have to wait in line for a teller for that as well.

Pay Bills

The only other task we feel worth mentioning that you cannot take care of without the assistance of a teller is paying bills.  The ATM can do a lot of things, but this is one thing it can’t do.  Many people will set up bill payments through their bank so it’s one less thing they have to worry about. This seems like a great solution.

ATM Service NJ is Constantly Improving

ATM service has come along way in recent decades helping customers complete a myriad of banking transactions at their convenience. Removing the need of a teller to assist clients in common transactions is a huge convenience. Customers appreciate a financial institution that takes steps to make their lives easier.  Whether this is through the addition of more ATMs, placing ATMs at locations other than the branch, or updating their current ATMs. If a bank does include that use of ATMs for their customers, who they choose to provide ATM service NJ is an important decision.    

Be sure to keep discovering more New Jersey here!

Facts and Figures: The Statistics Behind Child Support in the United States

To better understand child support payments and the impact they have on the lives of people in the United States, it’s important to take a look at the statistics outlining how many people have to make payments, how much those payments are, and how many people actually make them.

The U.S. Census Bureau released a report in December 2011 that outlined the extent of child support agreements in the United States. The report, called Custodial Mothers and Fathers and Their Child Support: 2009 includes the following data:

• There are 13.7 million custodial parents in the United States.
• As of 2009, just over 50 percent of those custodial parents had a child support agreement in place.
• Of those child support agreements, 90 percent were formal agreements ordered in a court of law or by a government agency.
• Under 10 percent of child support agreements were informally established between the two parents.
• As of 2010, over a quarter of all the custodial parents in the United States – 26.8 percent in all – had gone to the government for assistance in collecting child support.
• Just under 55 percent of custodial single mothers were granted child support payments by the courts.
• By contrast, 30.4 percent of custodial single fathers were awarded payments.

As any child support lawyer in New Jersey will tell you, for many the most important data regarding child support is the data concerning money. When it comes to dollars and cents, the Custodial Mothers and Fathers and Their Child Support: 2009 report outlines some illuminating numbers.

• As of 2009, some $35.1 billion was owed in child support annually.
• For non-custodial parents mandated to pay child support, the average amount due was $5,960 annually.
• Of the $5,960 owed each year, only 60.9 percent of that money, or $3,630, was actually received by the custodial parent.
• Based on the numbers above, custodial parents receive about $300 per month in child support payments.

 

Despite these agreements being in place, most non-custodial parents who were ordered to pay child support failed to make full payments, and nearly 30 percent of them did not make payments at all. According to the Custodial Mothers and Fathers and Their Child Support: 2009 report, some of those details include:

• Among custodial single parents in the United States in 2009, 6.9 million of them in all, just over 41 percent of them got all the child support money they were due.
• Among those 6.9 million custodial single parents, just under 30 percent of them received at least some of the money they were due.
• Just under 30 percent of those custodial parents did not receive any child support money at all, despite court orders mandating its payment.
• Child support is not always cash-based: of the 6.9 million custodial parents in the U.S. in 2009, just over 60 percent of them received some kind of non-cash support.

For more detailed information on child support payments in New Jersey and what they mean for you, consult a New Jersey child support attorney.

Years ago, modular homes were a mystery to many people. They were not that common and myths were common.

These days, modular construction is mainstream and commonplace. There are probably homes right in your neighborhood that are modulars, even if you don’t realize it.

If you want to learn more about Union Beach modular homes, consider these interesting facts:

• You Can’t Tell Them Apart From Other Homes – If you think you can tell a modular home from any other, think again. These days, modular homes are practically invisible. They will have all the same features as any other home. Dormers, front porches, awnings, adornments, architectural flair – a modular home is just like any other.
• They Can Be More Affordable – On average, modular homes in Union Beach costs about 10 to 20% less than a similar home built in a traditional fashion. Those savings are significant. Yes, the numbers can differ depending on the options chose, the lot, and many other factors, but as a general rule of thumb expect to save about that much.
• They Can Be Built In Just A Few Weeks – Depending on the design and the manufacturer, some Union Beach modular homes can be built in the factory in just two weeks or so. Most take a little longer, but not much. Once work begins, it progresses fast, especially with no weather to delay things.
• On-Site Finishing Takes A Few More Weeks – Once your home has arrived on site and is assembled, all the finishing touches on average about two to four weeks, depending on a host of factors. That includes finishing up the electric and a load of other small but important items. When things go smoothly, however, they go very quick.
• They Don’t All Look Alike – This is one of those pernicious myths that won’t seem to go away. The fact is that no, all modular homes in Union Beach NJ do not look alike. They can differ wildly from one another, and are often built based on designs and specifications you come up with together with your planners. While it’s true that some modular homes have that “permanent double wide” look, that’s the choice of the homeowner. In the vast majority of cases, you cannot tell a modular home from a traditionally built home, and modulars themselves look quite different from one another, just like any other house.
• You’ll Pay More Than Just The Base Price – Beware of getting lulled by a low base price. The base price may be for a basic, prefabbed home with no customizations. Even then there will be additional on-site fees for site work and other items. When you start to customize, the price adjusts, too. Modular homes remain a more affordable option than a stick built, but just remember that base prices are starting points, not final prices.

As you can see, the modular home has come a long way since they first appeared on the scene. Now they are one of the most affordable, desirable ways to build a new home. Thousands of happy New Jersey homeowners can’t be wrong!

If you are a New Jersey homeowner who has been impacted by Hurricane Sandy, chances are you’ve considered taking part in the RREM Program, which provides funding for repairs or upgrades to prevent future damage.

If you have talked with a RREM Contactor and are considering your options, you may want to know how the process works. It’s a six-step process that unfolds like this.

The RREM Contractor Process Revealed

1) Notice of Funding

After submitting your application to the RREM Program, the State will begin reviewing your application to ensure you meet the requirements. At some point, you will receive a Notice of Funding letter. This is not a guarantee of approval! The State still needs to confirm your eligibility, get federal clearance to improve your property, and assess the damage done to your home.

Not that homeowners CAN apply for funding even after they have completed repair or improvement work with their RREM Contactor. This may impact the grant they received, but regardless, they may be eligible for money.

2) Site Inspection & Environmental Review

Next comes inspection and site review. An inspector from the RREM Program will help determine the approximate cost of rehabbing or elevating your home. Note that there may be more than one inspector assigned to your case.

Environmental review will also take place, as per federal law, which mandates that whenever CDBG Disaster Recovery funds are used, they are used in strict compliance with the National Environmental Policy Act (NEPA). In the case of your RREM grant, these reviews will be conducted by the New Jersey Department of Environmental Protection (DEP).

3) Verify Eligibility

Your Housing Advisor will work with you to guide you through the RREM application process. This will include gathering the appropriate documents and meeting deadlines. Eligibility requirements include the home being your primary residence at the time of Hurricane Sandy, the home being located in Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, or Union counties, and the residence having Sandy damage with a Full Verified Loss (FVL) of at least $8,000 or had more than one foot of water on the first floor.

4) Meet With Housing Advisor

After your eligibility for a RREM contractor is confirmed, you’ll have a meeting with your Housing Advisor. This meeting is mandatory and is designed to go over your grant award, sign documents (such as the Declaration of Covenants, which says you agree to meet RREM Program requirements), and so on. Your Housing Advisor will assist you with submitting the proper paperwork so payment can be issued.

During this time, you can request an Advance Payment Request. If you are already are under contract with a builder, an Advance Payment Request can be issued to help your RREM Contactor get construction started. The advance payment can be up to 50 percent of your total reward. You will need to have an signed legal contract between you and your contractor in order to qualify for advance payment.

5) Meet With RREM Project Manager

Your next meeting will be with your RREM Project Manager, who will ensure your project meets federal standards. He or she will also review and approve payment requests, timelines, estimated costs, and other factors.

6) Construction

During this important step, you’ll remain in contact with your RREM Project Manager, who will make sure the construction work being done by your RREM Contactor is in compliance with RREM Program requirements. You’ll submit construction payment requests to the project manager. When construction is completed, they will perform a final inspection. When inspection is passed, the Restrictive Covenant placed on your property will be released.

For more information, reach out to the NJ Department of Community Affairs or your local RREM Contactor.