Auto news on Youtube Aug 31 2017

Checks, ATMs, and debit card transactions

make accessing your account convenient.

But sometimes keeping track of your account balance can be tough.

If you're not keeping track of your daily transactions

you might spend more money than you have in your checking account

and end up with an overdraft.

Or, you might get declined when trying to use your debit card.

We get it. Life can get busy.

That's why we want you to know you have options.

Meet Michelle.

And, meet Eli.

Michelle and Eli both met with their local Hancock and Whitney banker

to make sure they had the right services in place to help manage their accounts

Let's see how it works for Michelle ...

Michelle spent the weekend hosting a backyard BBQ for family and friends

and buying school supplies for her kids.

On Monday night, she realized she also had two bills to pay online,

totalling $178.

She thought she had enough money in her checking account to cover both bills

but after all her weekend shopping,

it turned out she only had $150 in her account.

Fortunately, Michelle signed up for one of Hancock and Whitney Bank's

Overdraft Protection Plans. In this case, the Handyline.

Without it, her account would have been overdrawn $28

when both of the payments posted to her account

and she would have been charged overdraft fees.

But because she had the Handyline in place, her account didn't go overdrawn

and she avoided the overdraft fees.

The Handyline automatically transfers money

to a checking account to cover the overdraft.

With the Handyline, the transfers are made in $100 increments

as needed to cover the overdraft,

up to the available credit in the line itself.

So, in this instance

all Michelle paid was one transfer fee of $10,

which is a much less expensive alternative to overdraft fees.

By signing up for one of the Overdraft Protection Plans

I was able to protect my bank account and avoid overdraft fees.

That's one less thing I have to worry about

so I can get back to my busy schedule.

We offer several types of Overdraft Protection Plans

and we can help you get set up just like Michelle.

In addition to these plans, we also offer Standard Overdraft Services

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When you opt in to this service

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Let's take a look at how this works

Eli is out running errands

and decides to join a friend for lunch.

He hasn't had a chance to look at his account balance lately,

so he doesn't realize there's not enough money in his checking account

to pay for his $30 lunch using his debit card.

Fortunately,

Eli opted in to the Standard Overdraft Services

which allows the bank to consider

authorizing and paying his debit card purchases

even thought he didn't have enough funds in his checking account.

Had he not opted in, his debit card would have been declined.

When the transaction posts to Eli's account

if there are still not enough funds in his account at that time

he'll pay a $36 overdraft fee on that item.

After lunch, Eli stops next door for an afternoon coffee.

Once again, the bank reviewed the account

and decided to authorize and pay this debit card charge

even though he didn't have enough money in his checking account.

But because this transaction is less than $5

no overdraft fee will be charged

even if the item overdraws the account when it posts.

At Hancock and Whitney Bank no overdraft or NSF fee

is charged on transactions of $5 or less on our personal checking accounts.

That's a great value that we bring to our clients.

Opting in to the Standard Overdraft Service

helped me avoid the hassle and embarrassment

of having my card purchases declined.

Remember, you must opt in to this service

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and you can change your opt in election at any time.

The Standard Overdraft Services applies to your checks and ACH items as well

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We are committed to being your partner

and providing you with the knowledge and options

to help you manage your money everyday.

To learn more about our Overdraft Protection Plans

or to opt in to our Standard Overdraft Services

call or visit your local branch and speak with your Hancock or Whitney banker.

Or visit our website for more information.

For more infomation >> Hancock and Whitney Bank Overdraft Services - Duration: 4:54.

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¿Publicidad para MiPyMes?... Riguel Services. - Duration: 4:23.

For more infomation >> ¿Publicidad para MiPyMes?... Riguel Services. - Duration: 4:23.

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Commercial Cleaning Services | Janitorial Services - Duration: 2:19.

What do you need to do when a cleaning service is unprofessional?

IWC Cleaning satisfied customers know who to recommend

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EU overspends £3.4million on translation services - and IRISH is the priciest - Duration: 4:41.

EU overspends £3.4million on translation services - and IRISH is the priciest

One prominent MP said the European Parliament has a real cheek to demand a Brexit divorce bill when it is £3.4million over-budget on its "self-indulgent" translation services - with the largest expense on Irish.

Parliament officials have requested £1.4m to go towards a total £3.4m overspend on top of the £7.6m budget this year to provide translations for reports and its "vanity" website 'My House of European History".

Critics say the website is self-indulgent propaganda, while the European Parliament calls it "a unique collaborative project incorporating your testimonies on Europe and a time and space odyssey".

One of the main reasons the project is so over-budget is down to the need to translate Irish, which is the most expensive language to translate at the Parliament's Brussels' headquarters, a document seen by the Telegraph revealed.

Brexiteer Andrew Bridgen, Conservative MP for North-West Lancashire, said: "Not only has the EU not had its accounts signed off for over 25 years by accountants, they are still wasting huge amounts of taxpayers' money on self-indulgent self-promotions.

"This is why we should resist the huge so-called EU divorce bill." Brexit talks have all but stalled this week as Michel Barnier, the EU's main negotiator insists on sorting out the bill first, which could be up to £92billion.

Despite this, MEPs, including British Conservatives, are due to approve the extra cash at a budget committee vote next Wednesday. The European Parliament has a permanent team of 800 which translate reports and papers into the EU's 24 official languages.

However, in the first five months of 2017, an increasing number of outside translators were hired, charging on average £20.27 a page. Some languages cost much more than that, with Irish the most expensive at £38.85 a page, internal documents reveal.

Over the year's first five months 228,000 pages were translated by private translators, with the Parliament estimating 547,000 pages will outsourced for the entire year, or even more if the My House of European History website attracts more visitors.

Officially, there is a 30 per cent cap on the use of private translators, however the overspend is currently at 35.45 per cent. A European Parliament spokeswoman said the extra cash would be taken from other departments' budgets.

She said the permanent team had over performed by 123 per cent compared to its maximum capacity, but still needed more help.

The spokeswoman said: "This is because more translations were needed into Irish and because of more contributions by citizens of stories to the My House of European History." A spokesman from the European Commission said the estimated cost of translation and their offices adds up to less than one per cent of the EU's annual general budget - or £1.80 per EU citizen a year.