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Finding the Right Financial institution

Choosing the right financial institution is stressful for a lot of people because they don’t know what to look for. There are a lot of options to choose from, and it is even harder when you don’t even know where to get started. Not all financial institutions are the same, which is why you need to put time and effort into the process of choosing the right one for you. Don’t make the mistake of choosing the first option you come across, take your time and choose the right one or else you will get Bad Credit. Give yourself peace of mind by choosing a financial institution that is right for you.

Before you choose a financial institution, start by examining your current financial situation or current life. When you do this, you are going to determine the type of services or account you are going to need. There are two main types of banking, individual and business banking.

Do they have the account you are looking for?

Does the financial institution have the account you are looking for? You need to know what you need from the financial institution so you chose one that has the type of account you need. The last thing you want is to find a good one then realize they don’t have the account you are looking for.

Services provided

Some people don’t bother to look at the services offered by the financial institution because they assume all of them are the same. This is not a good idea because different institutions have different services. What services are you looking for in a financial institution?


The main reason why you put your cash in a financial institution is to keep it safe. If you are worried that the financial institution can go bust and sink with your assets, consider choosing one that is protected by the government. Make sure that the credit union or bank that you want to choose is insured by NCUA for credit unions and FDIC for banks. Don’t choose an institution that doesn’t have these protections. The goal here is to make sure your money is safe.


Having money safe in your account doesn’t mean much when you can access it easily. The financial institution you choose needs to provide you with convenient options because time is money. Many of them provide their customers with a number of options. You will notice most of them provide their services through mobile phone banking apps, online banking, and physical location. Choose something convenient for you.


Interest rates work both ways. The financial institution should give you as high interest as possible when you deposit while maintaining liquidity, and have as low interest as possible when you borrow via a loan or credit card without compromising your options and service.


Before opening an account with them, ask for a complete fee schedule. The common fees in the banking industry are account opening fees, minimum balance fees, monthly maintenance fees, mobile banking or online banking fees, overdraft fees, bill payment fees, transfer fees, etc.

Customer service

When you have a question or problem, the last thing you want is to spend a lot of time sitting on hold waiting for the customer service to help you. There are some who are unhelpful and rude. Find out which financial institution has the best customer service because it is going to determine the experience you have working with them.

Choosing the right financial institution shouldn’t be that hard because there are some great ones out there. Take your time to choose the right option because you don’t want to regret it when you start having issues.

Best Musical instrument for Beginners

Turkish ouds have a signature sound that’s ideal for Moorish spiritual songs and oriental songs. If you want to learn how to play this instrument, you may buy one suitable for beginners. Ouds for beginners may range from $400 to $1000. If you don’t want to spend a lot, you can buy a Turkish oud for sale. This will enable you to use a high-quality instrument without crossing your budget.

Buying a Turkish oud

Since you are new to this instrument, it’s wise to buy one that is ideal for learning basic skills. You need to know how to hold the instrument, the weight of the strings, and the quality of the sound that the oud makes. Here’s a guide that will explain three factors that can help choose the best Turkish oud for beginners:

1. Action

Make sure that the Turkish oud has low action. Action means the distance between the strings and the fingerboard. Low action refers to a short distance between the fingerboard and the strings. A short distance allows you to play the instrument easily. As a newbie, you may want to practice a lot with your oud. If you can’t handle the distance between the strings and your fingerboard, it may frustrate you. High-action ouds are best for veteran musicians. If you try to play a high-action oud, you may not be able to master your basic skills.

It is wise to go through pictures of the oud or check different models physically before buying. Compare the differences in action before you shortlist a model.

2. Strings

Turkish ouds for beginners don’t usually have heavy gauge strings. You may come across ouds with different types of strings, but don’t forget to compare their weights. Some strings are as heavy as guitar strings. It’s better to avoid them since you are new to this instrument.

Apart from keeping the string’s weight in mind, you should also pay attention to the type of string on the oud. Advanced users may use D’Addario Turkish oud strings on an Arabic oud or vice versa, but make sure you don’t do that. First, learn the basics of how to play a Turkish oud before experimenting with the strings of other ouds. Strings of other types of ouds provide different tunes. Thus, swapping the strings may not provide the deep signature sound that Turkish ouds are popular for.

3. Quality

A few common types of wood used to make beginner-level Turkish ouds are palisander, padouk, walnut, and maple. Manufacturers use these types of wood to keep the overall cost of the oud down. However, if budget is not a constraint for you, and you want to invest in a high-quality Turkish oud for beginners, you should buy one made of ebony.

Experienced musicians agree that there’s no wood that comes close to the quality of ebony. It ensures that the instrument lasts for years without requiring too much maintenance. Most entry-level ebony ouds have two-tone woods, containing a solid spruce top, ebony fingerboard, and ebony tuning pegs. The bowl back is usually made of ebony too. But you may find a few models that use walnut or maple for the bowl back.

Where to buy a Turkish oud?

Turkish ouds are available both in online and offline stores. If you are buying it online, don’t forget to check the photos of different models and compare their features. Make sure they have low action, lightweight strings, and an ebony body. If you are buying it offline, check a few models physically to compare the actions.

The best way to master the skills of playing a Turkish oud is to feel comfortable holding the instrument. Test the weight, material, and overall feel of the oud before buying, so that your investment is worthwhile.