Evolution of the Pit Bike

pitbike header

Just about every young boy has wanted a motorcycle. I guess I shouldn’t say wanted because I still want one, and I am not a kid anymore. I was around 16 when I got my first pit bike. I have watched them evolve. I have also been part of the evolution. It has been fun to watch the changes of these bikes.

The first pit bikes were mainly Honda, just a standard 50cc mini bike. Older guys started to ride their kid’s bikes around and do little street tricks. I remember the first pit bike video I saw was 50 Nuts. After a while pit bikes started to get more popular. Companies like BBR released parts to upgrade Honda 50’s and add more power. It was the best looking pit bikes I had ever
seen.

Because of the popularity of pit bikes, affordable Chinese brands started to surface. The first pit bike I had was a SDG. These bikes had horrible engines and just as bad frames. My clutch went out in the first 2 weeks and I broke the frame in half. It looked like a chopper because the neck of the pit bike bent and the fork legs bent forward.

Because of these broken frames and bad clutches Pitster Pro started making some improvements. After a few years they started to produce the best Chinese made pit bike on the market. Because of Pitster Pro other pit bike company tried to keep up. The only other pit bike company with the same quality is Piranha pit bikes. Pit bike quality is top notch these days.

Pit bikes are fun and are less dangerous around the track. They are also more affordable. With the power these bikes put out, adults and children are enjoying them everywhere. Whether it is on the track or at the cabin, pit bikes have become a nice niche for bike riders around the world.

Travel to the Philippines

phillipines travel guideIf you want to experience a variety in tourism, then the worthiest place that you should visit next is Philippines where you can have a taste of the Western as well as Eastern culture since it has been dominated by several nations in the past, such as Spanish, Japanese, and Americans. Because of this, Philippines became rich in several structures like churches, towers, museums, and more. (www.philippinetourism.us)

Allow me to share some of my personal views and ideas about Philippines, bearing in mind that I am from this country and raised by Filipino parents. Filipinos are a fun-loving and friendly people. Their hospitality is legendary and at no time it is more in evidence than at festival time. Throughout the islands, there are festivals celebrated every day and foreign guests are always welcome in their homes. Every travel destination is worth a visit. I will try to feature a few of the most frequently visited tourist spots in the Philippines in which I can consider a stunning spots: the capital city of Manila; Boracay Beach (see Boracay hotels); Baguio – the summer capital of the Philippines; Bohol Island; Corregidor Island; Cebu City, (my birth place); and Davao City, (my hometown).

Tourist Spot in the Philippines #1
Boracay Island combines crystal clear waters, sugary beaches that squeak when walked on, and lush hilly landscapes into an idyllic tourist haven, that’s guaranteed to fascinate and lull visitors into tranquil harmony with its simplistic beauty.
Visitors commonly refer to Boracay as a breath-taking, unbelievably magical Island. A paradise set in the unspoilt South China Seas.

Tourist Spot #2
Burnham Park in Baguio has 12 cluster areas: the man-made lake with rowboats for hire that folks refer to as the Burnham Lagoon, the Children’s Playground, the Skating Rink, the Rose Garden, the Orchidarium, Igorot Garden, Melvin Jones Grandstand, the Athletic Bowl, a Picnic Grove, the Japanese Peace Tower, Pine Trees of the World and Sunshine Park.
(By Jonathan @Baguio Insider)
“Make no little plans for they have no magic to stir men’s blood…” – Daniel H. Burnham

Tourist Spot #3
Isla Reta is one of the nice beaches in Talikud Island, which is a part of the bigger island, The Island Garden City of Samal, Mindanao, Philippines. While it only takes a ten-minute boat ride to get to Samal Island from Davao City, where I live, the trip to Talikud Island takes around 30-45 minutes, but it is well worth the trip. Isla Reta’s beach is magnificent!
The sand is powdery and light brown to dirty white, and as you near the water, pebbles and bleached broken corals line the beach. The water is cool, invigorating and crystal clear. If you are planning to spend some time there, don’t forget your snorkeling gear so you can take a look at the splendid various marine life and growing young corals, white-sand beachfront spot. This is a tropical vacation idea where you can relax your mind and body with nature’s paradise.

Tourist Spot #4
Magellan’s Cross:
When Magellan traveled from Spain to the Philippines in 1521, he brought with him in a wooden cross. This cross was planted at a place called Sugbu, now Cebu, (my birth place) to symbolize the colonization of the country on behalf of King Philip II of Spain.
To preserve the cross the original has been encased in an outer layer of tindalo wood, mounted on a concrete pedestal, and housed in a tile-roofed kiosk. The roof of the kiosk is adorned with a painting depicting the landing of Magellan in Cebu and the planting of the original cross on the shore.
Sightseeing is one of the activities that you can do here in the Philippines. Each region and each province has something different to offer. Most of the tourist spots are natural scenic scenery and had been nominated to become one of the New Seven Wonders of the World (Filed Under: General Philippines). Some of these destinations include the Chocolate Hills in Bohol, Batad within the municipality of Banaue, which is one of its Barangays. Mayon Volcano in Albay, Subterranean River in Puerto Princesa, and the Tubbataha Reef in Sulu. There are also several ruins that can be found in Cebu (churches as well as watchtowers) and even in the capital of the country, Manila (Fort Santiago).
Batad, which is within the municipality of Banaue is such a heavenly place in the Philippines. Indeed a wonder of the world, for the people have carved their lives teeming with beauty from the landscapes of the earth. The sun smiles gleefully on harvest season, from the “Ifugao Rice Terraces.”
Thrill seekers would definitely love this country because of the different activities that can be done here. Snorkelling and scuba diving are just some of the popular outdoor activities since the country is rich in marine treasures. The Philippines was once again named as one of the top 10 dive destinations in the world, this time by Japan’s leading diving magazines and given at the recent 17th Marine Diving Fair (MDF) held in Tokyo, the largest diving fair in Asia, the MDF Awards are among the highly-acknowledged commendations for must-visit dive destinations in the world.
Although some parts of the country were being modernized, there are still several places where eco-tourism is the most popular activity. Lush mountains await the nature lovers. Hiking and trekking can be done in the mountains in Romblon, the mysterious Mount Makiling, and the perfect cone-shaped Mount Mayon. (Basic Expat by: Rusty Ferguson)
The Philippines is the only country in the world that welcomes foreigners from all other countries. It is one of the very few you can enter without a visa. You will only need to get one after 21 days if you stay that long, but there are some exceptions: Passport holders of Hong Kong Special Administrative Region (SAR), British National Overseas (BNO) and Macao Special Administrative Region (SAR) passport holders are only allowed up to 7 days stay without a visa. Foreign nationals from Brazil and Israel are allowed up to 59 days only.
Communications and getting around the country is easy as most Filipinos understand and speak English.The Philippines is the fourth largest English speaking country in the world.
(By Dave Crosby and 20 others)

So, what’s the delay? Come and visit us!
Consider the PHILIPPINES next time for vacation.
Mabuhay!
Melodia de Guzman
Shotwell Academy

Keg Crab Spinach Parmesan Dip Recipe

This is a recipe for a dip that is almost identical to the Keg Steakhouse Crab Spinach and Parmesan dip. One of our friends has worked at the keg for 3 years and has recently become a manager there. He has scaled the recipe to be approximately twice as much as you would receive at the keg. This is the best warm crab spinach dip ever.

Ingredients:

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  • One 250 ml (8 oz) container of  regular cream cheese
  • 1/2 Cup of regular (14% M.F.) sour cream
  • 1 Cup of grated Cheddar Cheese
  • 3 Tablespoons of Mayonaise
  • 2 Cloves of chopped or minced garlic (we found 3 cloves to be even better)
  • 1 Cup of chopped spinach (you can substitute frozen spinach, but make sure to remove all water)
  • 1 can crab meat (Drain well)
  • 1 Tsp parmesan cheese (a few shakes from a container)

Directions:

  1. Heat the cream cheese in the microwave for 30 seconds or so to make it stir-able
  2. Mix in all other ingredients except for the parmesan cheese, mixing the carb in last (leave out a little of the cheddar)
  3. Sprinkle the parmesan and left over cheddar on top
  4. Bake for 30 minutes at 375 or until bubbling at the edges, then broil for 3 minutes or so to let the top get a little crispy

Get What You want From Canadian Satellite Providers | Lower Cost Bell, Telus, Shaw

The cost of Television in Canada is outrageous thanks to limited competition in the majority of Provinces markets. That, coupled with the fact that TV service provider’s customer service is completely intolerable, make them impossible to deal with. This guide will show you how to go on the offensive against these monopolies to bring your bill down.

  • First, figure out what it is you really want. New hardware, low monthly bills, or a one time large bill reduction.
  • Next give your television provider a call. The person who first picks up the phone will not be able to give you what you want and neither will their manager. No matter how upset you are with the TV company, yelling at these people is just a waste of breath. Simply, and politely let the customer service representative know what you want (Eg. My bill is too high, My PVR is broken and I want a new one but dont want to pay anything for it, Promotion X is available to new customers and I want it)
  • The customer service representative will tell you, more or less, that this is impossible. At this point tell them that you would like to cancel your services / speak to the retentions department. Don’t worry if your in a long term contract, most larger tv companies require 30 days notice for you to cancel an account so it therefore takes 30 days from the day that you call in to cancel for any cancellation order to go through. This is ussually incredibly annoying for the consumer as it is rarely communicated upon purchase, but we can use it to our advantage in this case. If your conversation with retentions ends in you canceling the account you can call back in anytime before the 30 days are up and cancel the cancellation order.
  • The Customer Service rep will put you on hold and explain the situation to the retentions representative before passing you over to them. If you are in a long term contract the first thing the retentions rep will do is to try to scare you away from canceling by citing early termination penalties. Don’t budge, remember the 30 notice rule, and tell them that you still would like to cancel your account.
  • The retentions rep will give you an opening offer. If the offer fits your goal in mind then by all means take it but, depending on how long you’ve been with the company, how much your monthly rate is, and payment history, there is probably a better offer available. It’s advisable to deny this opening offer.
  • Continue negotiating with the retentions rep until you either get what you want, or end up putting in your 30 days notice to cancel the account.
  • If your account is put on the 30 days notice just call back in and cancel it with the customer service rep and try cancelling again tomorrow!

From experience some things are pretty easy to get the first time you ask for them, they are:

  • 30% off for 6 months of programming
  • 50% off a new reciever
  • Free installation of a rented reciever plus 12 months free rental charges
  • 3 months free programming

Try it out and let us know how it goes by posting a comment!

Guelph Bars | Top 10 Bars in Guelph

Wooo partaaay! But where are you going to go tonight? Here is the list of the top 10 bars in Guelph as of September 2011 (in no particular order) that you may love, or maybe you haven’t even been to yet!

1. Frank & Steins / Apartment 58 Franks is a classic bar whether for dinner, drinks, the hockey game,  Franks is a great atmosphere and has cheap drink nights and wing deals weekly. Have had some sweet live bands in there that get everyone dancing. Apartment 58 is the club upstairs that usually has anything from top 40 to house to hip-hop and currently has promotions handled by Fresh Media – who always make the party crazy!

2.NV Lounge A bar that most people overlook, depending on what night you go you can have a great time. Fridays are usually the day to go, but with their huge drink menu any nights a great night.

3. Van Goghs Ear Also one of the classic Guelph bars, Van Gough’s (Ear) has three floors that will accommodate any music tastes. First floor will have anything from live bands to top 40 music with a stage to dance on, while upstairs has huge parties hosted by the guys at Guelph Nightlife for their third floor “Loft”.

4. Vinyl /Jimmy Jazz A great place that may have a minor cover, but hey..$2 drinks! Awesome music, dancing, booths, stage, and the place to hit up on a Wednesday, Thursday, or whatever night you feel like hitting the bars! Jimmy Jazz is right next door with a great place to chill out and yes, a patio!

5. Albion Hotel On the edge of the downtown area, Albion Hotel has great food and a bar scene that is distinct. Upstairs there is a dance floor but nightly music choices are very different.

6. Trappers Alley / Tabu / Palace One address, three very different scenes. Main floor is the famous Trappers with their dollar beers and atmosphere that can result in a sloppy night for first year students. Upstairs, Palace offers a very open club scene that plays top 40 and hip hop for the most part with a balcony, huge dance floor, and dancing cages. Downstairs, a newly established nightclub Tabu is now fully up and running thanks to the LateNites crew. They have wild house music that hits you hard and the best laser light show in Guelph.

7. Doogies/ Pablo’s Very friendly bars that are joined at the hip, go to either one and you will hear live music from the Doogie’s stage whether you want to hear some Tom Petty or Oasis. Pool tables, foosball and an extremely chill crowd, but a party if you’re looking for it.

8.  McCabe’s Right at the corner where everything is happening, this is the place to go to with a big group, grab some wings and pints and have a great time. Has a big screen to watch the game, live bands, and an overlooking open second floor bar.

9. Bobby O’briens / Opus Lounge Bobby O’briens was the place to watch the Vancouver games this year and it isn’t any surprise with their great food specials, variety of beers on tap, and flat screen televisions as well as a big screen on the back wall. Opus, also put on by the LateNites crew is a classy club upstairs with leather couches and a bangin’ dance floor.

10. Brass Taps The official University campus bar, has pool tables, great bar grub, and a variety of entertainment from live bands todance music.

— Looking for some grub after your night out? Check out our Top 10 places for post-bar food

 

 

 

 

Downtown Guelph Food | Top 10 After Bar Eateries in Guelph

Planning on going out tonight? Here is a quick guide for places to go once you stumble out of the bar/club off MacDonell and want food fast! (Maps included)

1. Salsateria – If you are in to quesadilla’s, nachos, or burritos this is the number 1 after bar food. Great price point (like you’ll really care at that point) and the food is amazing. They have a locally famous in house salsa that is more delicious than you can imagine. Unlike some post-bar food, just as gratifying during the day.

2. Pierre’s Poutine – Best poutine in downtown Guelph, end of story. Has only been there a few years now but their poutine with Montreal smoked meat, wow. Little more expensive, but a must try.

3. Mega Pizza – Conveniently right on MacDonell grabbing a slice after the bar is really cheap, fast and amazing pizza. Also another food that you don’t need to be slightly intoxicated to enjoy. Just great pizza!

4. MacDonell Village – Have ended up here many of times, no matter how you pronounce “gyro” you will get 2/$6 and be very satisfied. Also offer other foods such as fries and poutine that are cheaper than Pierre’s, but quality is the price you pay.

5. Sun-Sun or  Wong’s Garden – May as well be the same restaurant but a traditional “drunk food” for Guelph, you can get 3, 4 or 5 item dishes (Styrofoam boxes) of vegetable rolls or chicken wings or anything else you’d expect from a late night asian restaurant. Personally don’t recommend making a point of eating there during the day, but late at night sure hits the spot.

This is just a guide to late night bar food in Guelph. Other food spots include Subway, hot dog stands, Frank & Steins, or Pita Pit. To have your restaurant included in this list of late night food downtown, leave your contact information below.

— Looking for a place to go before you grab some grub? Check out our Top 10 Bars in Downtown Guelph

Waterloo Sushi | Top 5 Waterloo Sushi Restaurants

Here are the 5 best sushi restaurants in Waterloo – September 2011

Some are all you can eat, others are better for sushi take out. Maps are provided when you click the restaurant title links. The Restaurants begin with the best (or our favourite – everything is just our opinion).

  1. Tomu Sushi (Dine in and Take out, not all-you-can-eat)
    • This is now definitely the best sushi waterloo. It is a great price and absolutely delicious. It’s not that close to campus, but it is totally worth the trip. You get all kinds of free Korean goodies when you dine in, and you even get miso soup (and sometimes salad) with your takeout. This is both the best tasting and the best value sushi in the waterloo area.
  2. Sakura Island (Dine In, Take Out, NOT All-You-Can-Eat)
    • Second best sushi waterloo. The sashimi is a little expensive unless you get it in one of their combos – so make sure to do that. They have great lunch combos as well – try the spicy salmon lunch, lots of food for about 10 bucks.
  3. Sushi 99(Dine in , Take Out, All you can eat)
    • We’re really happy with this new addition to the Waterloo Sushi line up. If you are looging for all you can eat and want to try something a little different than Ye’s – we say give Sushi 99 a shot!
  4. Nikko Nikko(Dine In, Take Out, NOT All-You-Can-Eat)
    • This sushi restaurant is technically in Kitchener, but it’s worth the short drive.
  5. Yummyaki (Dine In, Take Out, All-You-Can-Eat, also have regular menu)
    • Yummyaki has a great all you can eat menu. The sushi is good – fresh fish and not too much rice in the rolls.
  6. Ye’s Sush (Dine In, Take Out, All-You-Can-Eat, also have regular menu)
    • Ye’s is probably the best known sushi restaurant in Waterloo. It’s famous for the all you can eat menu. Their is also a Ye’s in Kitchener (the original.) The Kitchener location is better, they seem to use less rice in their rolls
  7. Ye’s Sush (Dine In, Take Out, All-You-Can-Eat, also have regular menu)
    • Ichiban is new to our list – good food, good value, great staff
  8. Iron Chef (Dine In, Take Out, NOT All-You-Can-Eat)
    • Iron Chef is located in the University plaza, so if you are just coming from a class at UW it’s definitely the most convenient. They have great lunch menus. Ordering sushi a la cart from this restaurant is little preicey. Their Miso soup doesn’t have much to it. Still a great choice for a quick lunch.

That’s our list! Feel free to leave us a comment. Let us know if you’ve found another waterloo sushi restaurant that belongs in the list!

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best sushi in waterloo ontario

Waterloo Bars | Top 10 Bars in Waterloo

The following is a list of the best bars in Waterloo Ontario as of September 2011

The list starts with the best. Click on the name of the bar to see a map of its location in Waterloo. The post is just our opinion and we are heavily in favour of cheap, fun, student bars. Let us know what you think by leaving a comment.

  1. Phil’s
    • Everyone knows Phil’s as one of the dirtiest bars in the city, but everyone also agrees that it’s probably the most fun. We recommend going to Phil’s on a Wednesday (hip hop night) or a Saturday (electro night). The best part of Phil’s is definitely the cheap drinks – $2.25 EVERY NIGHT. ($5 cover..)
  2. Bomber
    • The Bomber is UW’s on campus bar. It’s pretty well only good on Wednesday, but it’s usually packed and plays good music. Drinks are pretty cheap, but they can take about 20 minutes to line up for. You need a UW student to sign you in. Show up before 10pm unless you want to wait in a huge line.
  3. Revolution (Rev)
    • Rev is the biggest bar in Waterloo. It’s huge and it gets pretty busy on Fridays. Music is good, cover and drinks are a little expensive.
  4. Starlight
    • Starlight has become one of the most popular bars on king st. If you haven’t checked it out yet, you definitely should.
  5. The Turret
    • The Turret is Laurier’s campus bar. It’s good most nights, usually lot’s of Laurier chicks. You’ll need a Laurier student to sign you in.
  6. Philthy McNasties (philthy’s)
    • Philthy’s has a bar/pub area upstairs and more of a club downstairs. The bouncers are a little nuts about who they let on the stage.. but the music is good and the drinks are decently cheap.
  7. Ceasar Martini’s (Ceasar’s)
    • Ceasar’s is usually an alright time. The best night to go is Thursday. The drinks aren’t overly cheap and the people are sometimes a little
  8. Chainsaw (the ex-Spur)
    • If you remember the Silver Spur, chainsaw is pretty much the same thing. It’s a karaoke bar with cheap beers and wings.
  9. Morty’s (pub)
    • Morty’s has the best Hot chicken wings in Waterloo. The pitchers aren’t super cheap, it’s worth going just for the wings) Cheap Wings Nights are Monday and Thursday
  10. The Fox and The Fiddle (The Fox – pub)
    • The Fox has the best wings in general in Waterloo (Ancho chipotle are the best.) It’s a little dark, but good wings and cheap beer. The Cheap Wing Nights are Sunday and Wednesday.
bars in waterloo

The Weekly Schedule

Here is our recommendation for what bar you should go to every day of the week in Waterloo.

  • Monday: Philthy’s
  • Tuesday: The Vault
  • Wednesday: Phil’s
  • Thursday: Ceasar’s
  • Friday: Rev
  • Saturday: Phil’s
  • Sunday: The Fox

Non-Top 10 Bars

These guys didn’t quite make the top 10, but they’re worth mentioning:

  • Molly’s
  • Starlight
  • Roxanne’s
  • Front Row

Leave a comment below to let us know what you think of our ranking. Maybe give us a few suggestions of other bars that belong in the list.

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Chatroulette Drinking Game

Getting tired of playing Flip Cup and Beer Pong over and over again? Are you looking for a new and bold game to play? Don’t really have the balls to actually play Russian Roulette? Well we’ve got what you’re looking for!

The Basics of the Game:
It’s almost the exact same as the original Russian Roulette game, the difference is that there’s no revolver and live round involved… actually the only similarity is that it’s a game of chance.

Here’s What You’ll Need:
1. A Drink of Choice (Vodka for obvious reasons, but anything will suffice).
2. A Computer with a webcam and internet connection.

Number of Players:
This game isn’t restricted to a specific amount of players, as anyone who can see the computer screen can play. However it could be difficult, so it’s best to stick between two players, alternating rounds.

How To Play:
-In order to play, simply just get onto www.chatroulette.com , and allow chatroullete to use your web cam.
-Each player will take his or her turn in spinning the roulette (In this case, its just hitting the “New Game” button at the top left corner, but use your imagination)
-The player who lands on someone “doing something revolting” (I’ll let your imagination take care of this)  takes the “shot”. (This is considered to be landing on the bullet, or the fatal blow).
-The game continues until one player decides he or she cannot drink anymore and the other player is the winner.
-Variations include drinking when you see a girl with her top off, however this could involve long waits at which point you’re just better off taking shots.

Remember alcohol is somewhat of a gamble. You start the night off by drinking and don’t really know where you’re going to end up the next day. It could be great or it could be disastrous. Like a game of Roullette.

Written by: Louis Le

How to Avoid Paying Bank Fees

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This is a guest post from our friends over at CashBlogged.com – a community for the money conscious, hoping to save and spend more efficiently, their team of financial professionals provide the ins and outs of Financial Institutions. Think of them as a tell-all for Banks, Lending Institutions, Credit Companies, and Investment Firms for the beginner spender to the advanced investor.


When was the last time you reviewed your bank statement? Did you notice all those extra dollars you ended up paying at the end of the month? Bank fees are a big reason why people don’t bank at the major financial institutions in Canada and instead choose no-fee accounts offered by ING and PC Financial. These big bank alternatives are great in a lot of situations, except when you need to actually speak to an expert or get a cheque certified. Bank fees at full service banks can be avoided by using the right tricks as well as some careful money management.

After reading this article you can expect to have all of the following bank fees waved:

  • Monthly Service Fee
  • Cheque Order (Especially because 90% of cheque orders are for 12 post-dated rent cheques)
  • Certified Cheques, Money Orders/Drafts
  • Statements, Account Confirmation Letters
  • Platinum, Gold and Travel Credit Card Annual Fees
  • Those nice little Safety Deposit Boxes Annual Fees

How do you get all those things free? Every major bank has a “platinum” chequing   account that will give you all the above free – it typically carries a monthly fee of around $25 unless you keep a minimum balance of around $5000. If you can keep $5000 in a chequing account do it! Everything is now free and its a great place to save a portion of your emergency fund. What that $5000 is earning in a savings account vs. what you are paying in monthly service fees makes it worth it alone.

If you can’t afford to keep $5000 in you chequing account then you’ve got a little work to do, if you are a new customer to the bank you NEED to ask for this account for a 3 month trial period and take advantage of everything free, especially if you don’t plan on leaving $5000 in it.  This means order a book of cheques ($30 value), sign up for a platinum visa ($120 value), and open a safety deposit box ($60-$150 value). The same goes for existing customers who receive a free trial period of a platinum account. Now lets say your trial period is up, and you can’t keep the minimum $5000 balance to waive the monthly fee, all you’ll need to do is have your account changed to a basic one and you’ll keep avoiding fees. And at least for a year a new platinum visa, safety deposit box and book of cheques – FREE!

Relationships are key in banking!  Keep in touch with your advisors, even if they’re not. If you have an existing relationship with a financial advisor or bank teller they should be your primary point of contact in all banking matters.  Managers I would avoid because they’ll ask to many questions. At the end of the day if you have a questions, ask! That’s what the bank branch is there for.

In banking you need to take a look at the big picture, something most people fail to do. The $6 dollars a month in interest you’re making in that “high-interest” Savings account the bank representative forced you to open (which by the way is illegal in Canadian banking) vs. the $8 a month you pay for a Chequing account is a prime example of a negative return on your money. Stepping back, taking a look at the big picture and looking into where your money is really going will put more money in your pocket and send you in the right direction towards financial freedom.

A good rule of thumb is that YOU SHOULD NEVER BE PAYING FOR UNNECESSARY BANKING FEES

TIP: Banks hate losing customers, and love new customers – use this to your advantage.