Regulators say holding back a small amount of customer cash would decrease the amount of capital that firms would have to hold in reserve and compare the idea to a minimum account balance required by banks.
If Mr. Market trashes your investments in a sudden panic, your margin debts may be "called, " forcing you to sell some of your assets to sustain the minimum account values you committed to under the terms of the loan.
Clients often equate a higher level of service with a higher account minimum, people in the industry say.
Kim Dellarocca, director of practice management at Pershing, a service provider to advisers, says the decision of whether to publicize an account minimum can depend on an adviser's business model.
Michael Kitces, an adviser and publisher of a financial-planning industry blog called Nerd's Eye View, says not having a clearly stated account minimum creates an awkward situation for both a current client making a referral and a prospect.
You can then take steps like making sure you have the minimum balance in your account(s), replacing paper statements with electronic ones, and avoiding the use of high cost ATM and debit cards.
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Encourage customers to build up a savings account towards the minimum balance requirement over a year and then refund the swipe fees paid during the year when the balance requirement is met (preferably into the savings account).
Pay the minimum on all accounts except the account with the smallest balance and pay as much as you can on that account.
None of these matters is an excuse for what you did to Tia, but they are matters which I can, and do, take into account in fixing the minimum term.
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Then compare the details of each account: What is the minimum balance to avoid monthly fees?
Their scheme would require all workers to contribute a minimum amount to an unemployment-support account.
Several big banks have already responded by charging customers monthly account fees or asking for minimum balances to be maintained on their accounts.
Write down the name, account number, interest rate, minimum monthly payment and balance due.
Many banks require account holders to be of a minimum age, and banking websites and services are not made for kids.
Taking all of the factors into account, Mr Justice Hart concluded that the minimum term that Hazel Stewart should serve before she could be considered for release was one of eighteen years.
The product, something like a pension, provides a minimum income stream for life, regardless of the underlying investment account values.
Some welcome good news for taxpayers: Before leaving town this week, Congress passed a bill suspending 2009 rules that force older individual retirement account owners and those who have inherited IRAs to take minimum annual withdrawals from these now-shrunken accounts.
Include the account name and number, current balance, interest rate and minimum payment.
More good news for bank consumers: since the January 2011 Bank Fee Survey, average minimum balance requirements to avoid fees are lower, and average monthly checking account maintenance fees (for those who pay them) are also slightly lower.
Obviously, the smaller amount he would receive by using the Minimum Required Distribution method minimizes his tax obligation and maximizes how long his retirement account lasts.
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Most IRA minimum withdrawals had to be made by Dec. 31, 2012, but account owners can make cash gifts to charities up to the amount of their December withdrawals through Jan. 31, 2013, and count those as IRA direct donations.
But taking into account the studies of recent years, government guidelines urge that "the minimum effective dose should be used for the shortest duration".
But it may mean that a minimum of two computors would have to be installed before essential routine functions such as account-posting or wage calculations could be entrusted to these techniques.
The survey by the city's Department of Consumer Affairs looked at the Chinese, Ecuadorian and Mexican communities and also found that barriers to having accounts included having to maintain minimum balances as well as confusion over what documentation would be needed to open an account.
If a card dips below a minimum dollar value, Starbucks will automatically refill it from your credit card or debit bank account.
Set up an automatic debit from your checking account and your purchase fees shrink even more, and some companies will waive minimum initial investments.
That reality can then be taken into account in the negotiations and alternative security and other arrangements made accordingly, with minimum disruption caused to the peace process.
The judge said that in setting the minimum term Olej must serve before he can be considered for parole, he took into account that he came from "a caring and supportive family" and that he had psychological difficulties, including the diagnosis of autism.
Morgan Chase and Wells introduced new account structures in 2010 and 2011 that imposed monthly maintenance fees unless customers maintained certain minimum balances or hit preset monthly deposit levels.
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