Alexander Pope is credited with the cliché "to err is human" and most of us have made an error in our check register at least once. Overdraft protection can eliminate the potential of bouncing an important check when you make an error.

Senior BofI offers two forms of overdraft protection:

· Overdraft line of credit
· Overdraft protection by linking accounts

Overdraft Line Of Credit
An overdraft line of credit is much like any line of credit. It allows you to obtain a number of loans without re-applying each time as long as the total of borrowed funds does not exceed the pre-established limit. If you overdraw your checking account, money is advanced to you to cover the check. Unlike many financial institutions, Senior BofI doesn't charge an extra fee to make the advance.

You can apply for an overdraft line of credit for your Senior BofI checking account(s) by printing out the form and mailing it or faxing it to us.

Overdraft Protection By Linking Accounts

You can also get overdraft protection by linking your savings or money market account(s) to one checking account. Then, if there's a shortfall in your checking account, money to cover the check will be automatically transferred from the link account to cover it.

Link your accounts for overdraft protection.

Of course, you can always transfer money between your accounts any time you like, and for free. Just log into your account and click on Transfer Funds.

Direct Deposit is a great way for seniors to make sure money they receive regularly gets into their bank account, on time, conveniently and safely.

For example, if you're receiving a Social Security payment or have some other regular source of income, Direct Deposit allows the organization paying you to deposit your money right into the account of your choice.

•It's convenient, because you don't have to make a trip to the bank to deposit a paper check.

•If you're traveling it's even more convenient and safe because your money doesn't have to chase you - it's deposited right on time without any worry or extra effort on your part.

•It's safe because there's no danger of a paper check getting stolen or lost.

At Senior Bank Of Internet (Senior BofI) you can have Direct Deposit to your checking, savings or money market account. Direct Deposit isn't available for Certificates of Deposit.

You can set up your Direct Deposit with most payees online. If you're receiving a Social Security payment or other payment from the Federal Government, you'll have to contact them directly - instructions are at the same link.

Make your life easier and set up Direct Deposit today.

One of the more startling things that happen as people age is how the body's flexibility tends to disappear. Seniors report feeling stiff when they first wake up. They may discover they also feel less than flexible when they've been sitting for awhile. Back problems tend to at least feel worse as one gets older.

It's debatable how normal this stiffing with age actually is. Given the relatively sedentary life most Americans live throughout their lives, it's certainly not surprising. Yet staying flexible is one of the best ways to stay feeling young, at any age.

Yoga turns out to be a great for seniors to both restore flexibility and to keep it. This ancient system of physical movement is gentle and thanks to its popularity is easy to learn. Many senior centers around the country offer yoga; so do many gyms. There are also yoga centers in many communities. There's even a system of "chair yoga" for those who can't stand easily.

Yoga can even be learned on the web. Just google senior yoga and you'll be presented with a wide variety of choices, many that are free.

Yoga can be performed at home with the help of books, video tapes, and/or DVDs. It doesn't take much space, and although a yoga mat is great, it's not required. Nor is it necessary to buy any special clothes - any loose fitting outfit will do. And yoga can be performed on the road... in a hotel room or even on the floor of an RV.

Of course, it's always a good idea to check with your doctor or other medical professional before you start yoga or any other form of exercise, but the chances are you'll get an okay and begin to feel much more flexible as you learn the practice.

If you're 50 or older, you can take advantage of Senior Checking at Senior BofI (Bank of Internet). You can open the account with as little as $50.00 and you get:
•Free Bill Payment
•Free ATM and debit (check) cards, for qualifying account holders
•Free Internet or telephone banking anytime
•Free postage-paid envelopes for mailing check deposits
One of the niftiest features is you'll receive up to $8.00 reimbursement each month for fees that are charged when you use another bank's ATM - a great advantage when you're traveling.

You'll also be able to deposit money by:

•direct deposit
•wire transfer,
•postage paid bank by mail.

And, of course, you can manage your Senior Checking over the Internet through our secure site. That means you can view statements and cancelled checks, print transaction information, order new checks and even pay your bills from the comfort of your own computer.

If you're new to the Internet, or have any questions, just . Contact us for help.
Get started with any of these:
•Individual Senior Checking
•Joint Senior Checking
•Trust Senior Checking

Hurricane season started last month; there are home destroying wildfires in the west right now. The possibility of a disaster of one sort or another is prevalent, no matter where you are.

Experts, from local emergency management officials right on up to the President, agree that preparation is the key to not only survival, but surviving well. Seniors are apt to have slightly different issues when it comes to disaster preparedness than the general public. Issues like medications, mobility, and the like are more likely to be of concern for seniors.

AARP has prepared a free, downloadable guide for seniors called "Dealing With Disaster." This 44 page document outlines the basic steps to getting and staying prepared.

The download link:
http://assets.aarp.org/www.aarp.org_/articles/states/dealing_with_disaster.pdf

It's a PDF (Portable Document Format) document which means you need Adobe Reader. Although you probably have it on your computer already, if not, you can get it free from Adobe.

Adobe Reader for Windows:
http://www.adobe.com/products/acrobat/readstep2.html
On that page you'll also find links for other operating systems - over on the right.

Downloading "Dealing With Disaster" is a good first step to making sure you're prepared.

Money in the bank is a great feeling and savings accounts provide an excellent way to not only set some money aside, but to earn a bit of interest on it as well. Senior BofI offers a variety of savings accounts, including basic savings accounts that can be set up for individuals, jointly or in trust.

Every kind of basic savings account is FDIC insured up to $100,000, and each earns interest - exactly how much depends on current rates.

Basic savings at Senior BofI are free to set up and require only a $100 deposit to get started. If you want to set up a savings account for your minor children or grandchildren, contact us for lower initial deposit amounts.

Senior BofI makes Internet banking easy for you. Each basic savings account includes:
Free ATM Cards
Free telephone banking anytime
Free postage-paid envelopes for depositing checks by mail

You can open your basic account right online - just choose the option you want that's listed toward the upper left of the Basic Savings page.

Getting enough water or other fluids in the heat of the summer is particularly important for seniors, according to nutritionist Dr. Beth Reames at LSU Ag Center. Although the article refers to statistics indicating that at least 300 people die each year from heat related causes, what's particularly interesting is how even minor dehydration can "impair activity and judgment," Reames said.

The article goes on to explain that often seniors simply don't get enough water and the situation can be made worse with certain medications.

The solution is simple - drink more water, particularly in hot weather. You may find these tips and tricks helpful:

·It's easier to drink water that tastes good. If your tap water doesn't please your palette, experiment with bottled waters until you find one you like.

·Any liquid, from pink lemonade to coffee counts when it comes to staying hydrated. Just be careful about extra calories and too much caffeine. Water is ideal.

·Keeping a glass or bottle of water near you both at home and in the car makes staying hydrated easy.
·In hot weather, your feeling of thirst may kick in long after your body really needs the water, so keep sipping.

·Exactly how much water you need depends on your physical health, your activity level and the weather. Water needs change from day to day. It's hard to get too much water.

·Fresh fruit, which is good for you for lots of reason, also makes a significant contribution to hydration.

Make sure your safe and comfortable in the heat of the summer with lots of liquid.

We’re talking, of course, about Certificates of Deposit. The simplest definition is a Certificate of Deposit or CD is an account that pays interest based on the amount left on deposit for a specific length of time.

At Senior B of I we offer CDs in amounts ranging from $1,000 to $100,000 over time periods ranging from six to 60 months. The longer the term or length of time, the higher the interest rate you’ll receive in return. The rate you’ll receive is fixed over the term of the CD; assuming you leave the money in the account for the full term, you will know exactly how much interest you will earn.

You can find our current CD rates here.

Penalty for Early WithdrawalIf you withdraw the money in a CD before its term is up, you’ll pay a fee, known as an “early redemption fee” which is spelled out in your original contract. Be sure you understand the terms when you set up your CDs.

Types of CDs We Offer

We offer the following types of CDs:

· Individual CD
· Joint CD
· UTMA CD
· Trust CD (Family & Inter Vivos)
· Non Profit Corporation (Charities)

Viewing/Printing Your CD Account Information
Like all Senior B of I accounts, you can view and your CD account information on your computer any time AND you can use our FREE telephone banking 24 hours a day, 7 days a week from any telephone.

What About the Certificate In a Certificate of Deposit?
Originally, when you opened a Certificate of Deposit Account you were given an actual, paper certificate. Since about 2004, however, it’s become customary to simply include your CD activity in your bank statement. Usually there’s no longer any actual certificate, but the name has stuck.

One of the best ways to stay in touch with family and friends is by sending them copies of your best digital photos. Pictures of your self, your trips and even your typical or common activities around home let those you love know what you’re up to. It’s actually quite easy to do, provided you keep these things in mind:

·The format of the picture to be emailed should be jpeg (or .jpg). Most
digital cameras automatically assume you want to save in the .jpeg format
– but double check when you’re downloading your photos to your computer.

·Photos can take up a whole bunch of memory. Learn to size the photos you want
to email to about 3 x 5 inches. That’s an approximate measure, but keep in
mind, the larger the photo the more likely it is to cause problems at the other
end.

·Before you start the email sending photos, make sure you know where on your
computer you’ve stored the photos you want to send. You’ll be using your email
program to find and attach the photos you want to pass along.

The actual process for emailing your pictures is this:

1.Open your email program.

2.Compose the note you want to send along with the pictures, add the email
address, etc., just like you’re sending a normal email.

3.Find the button that “attaches” a file to your email. Depending on how you
send email, it may be a paper clip, an envelope with a letter over it or some
other icon. Just point your mouse at the buttons on top of your email program
until the words “attach” or something similar show up defining the button.
This is the one you want. Click on it.

4.A window will pop up. This is where you actually find the photos you want to
send. Generally you’ll have to click up or down through several folders to get
to the directory you want.

5.When you find the folder with the photos you want to send, simply click on
each one to attach it to the email. Then send the email and your photos are on
their way.

Tips and hints:
These tips and hints may make sending photos easier:

·It probably makes sense to attach only one or two photos to each email because
of the amount of memory the pictures use. You can send a series of emails, each
with one or two pictures attached.

·It may make sense to put copies of the photos you want to send on your desktop
to make them easier to find. If you do, just remember to move them off your
desktop (if they are copies, just delete them) when you’re done.