Category Archives: Banking

Offshore Banking is Not Illegal For High Yield Return Investing

If it weren’t for the distortions, lies, and self-serving propaganda promulagated by the the I.R.S., the U.S. Government, and the bankers, you would not cringe each time you hear the words: “offshore banking” .

Why is this so? – Because most people don’t have a clue about what offshore banking truly is, they simply accept the distorted things they read in the controlled media and they ASSUME that offshore banking is some kind of criminal activity or tax free scheme. Or, they ask their financial planner, accountant, or lawyer and he, being as uninformed as they are, advises that it is too risky, unethical, illegal, or immoral.

The suspicion and fear surrounding offshore banking is actually only a condition of “lack of Information & knowledge”. Very few people, including both those who promote it and those who condemn it, really KNOW what offshore banking is. BUT, the I.R.S., the government and the bankers know too well that money kept outside the U.S. is money they cannot control, confiscate, or use for their own evil purposes. That’s why they are relentless in their condemnation and defamation of citizens having offshore bank accounts since they fear it will only be used for a tax free way to hide money.

Unfortunately, the promoters of offshore banking have done very little to satisfy or alleviate the suspicions and fears of the public. In fact, because they themselves do not have a clue about the real meaning of offshore banking, these promoters have given the government, the bankers, and the I.R.S. the tools needed to bind the public with the chains of suspicion and fear regarding offshore high yield return on investments, banking, and many overseas opportunities. All this results in your money being kept in U.S. banks and poor return yielding investments where the profits are small.

The scandalous condemnations and defamation of offshore banking is simply another deceitful scheme pushed upon the gullible American public by the U.S. banking establishment and the U.S. government . Their purposes are evil in that their intent is to keep control over YOUR MONEY for their own self-serving uses and mis-managing purposes. Have you ever heard of government waste?

No matter what the bankers and government tell you, their true intent is not for the restraint of the true criminal element in society like drug dealers, child pornographers etc. They know, as well as you do, that true criminals will carry out their evil activities no matter what laws concerning offshore banking try to restrain them, because it is the nature of criminals to do so.

The real goal of the government is to restrain the movement of YOUR MONEY from going offshore and tightly hold it within their jurisdiction where they can have power over it and seize it if they can create a reason to. The true intent of the bankers, who work in a fascist alliance with the government, is to keep your money within their banks and that is why they hate offshore banking.

But the GOOD NEWS is: you can use offshore banking legally; pay your taxes, report your transactions, and by doing so you can legally enjoy passive income two, three or even four times greater than what you can earn in the U.S. All this is accomplished through your legal offshore bank accounts and high yield return on investments.

If people choose to use their overseas bank account for illegal purposes, the matter will be between them and their conscience, and possibly their government if they get caught. But, remember, their illegal use of offshore banking does not make offshore banking illegal. If they get caught, then they will be at fault and not the offshore bank.

For many years people with deep pockets have known about and used offshore banking opportunities in order to protect their assets, increase their earnings with high yield return investing, gain personal privacy for their financial affairs, and legally defer taxation with tax free investing in some cases. BUT NOW, anyone with a good income, and modest savings, can take advantage of the same exceptional opportunities and free themselves from the forces which are opposed to true liberty and the sovereignty of the individual.

This article is governed by international copyright laws and is governed by the laws of Ezine Articles. Violaters of their rules will be punished to the fullest extent possible. But may you enjoy the offshore banking experiences that are available to you in the future.

James Bauman Ph.D. has been involved with the offshore world, banking, and asset protection for about 12 years now. During that time he has gained an education in offshore banking and high yield return investing and has learned of an offshore bank where depositors regularly make 50% to 100% high yield return on their money per year. Out of the experience he has gained over the years he developed the offshore banking and asset protection business FREEDOM OFFSHORE SERVICES. You can find out more and how to get FREE offshore bank account introductions here: http://www.freedomoffshore.com/offshorebanking.html Also, you can learn more about why a personal offshore bank account is not the safest way to control your offshore banking here: http://www.freedomoffshore.com/offshorebankaccounts.html Now, how do you know we are real? If you want a reference for us then we can give you someone to contact who will confirm our integrity.

The Definition and Uses of a Banking Indicator

Most financial institutions are keen on using a banking indicator but the sad truth is that they do not really know what this is. First of all a banking indicator is a measure that outputs the results and the differences between the elements in the business. These include the billable and non billable products that are subject to pricing and managing. The latter refers to the products that are under warranty specifically for the maintenance of the goods.

So what are the uses of the banking indicator? Many companies use this to differentiate the pricing of their products. Banking or accounting indicator is utilized most of the time to determine the costs of different products. This may be based on the percentage or absolute discounts along with the surcharges. Therefore, with the banking indicator you can determine the price conditions of a certain set of merchandise and the warranty as well. Because of this, you have great control over the pricing of the products that are concerned in the input data for the banking indicator.

It is important that you are able to manage the prices of your products. Because of that, you will need to consider different contributing factors that will affect the costs of the services or the goods that you offer. The first one is the economic situation. Most companies decide that they should increase their prices when there are problems in the country that they are working on when it comes to the monetary aspects.

Another factor is the impact of the product. There are a number of companies that hike up the prices of their commodities when they feel that the customers have a high interest on the products that they are selling. While some of the clients remain faithful, there are still instances wherein customers will start looking for much cheaper goods especially if the price is not right for them. Before you perform any action regarding the costs of the merchandise that you are selling, you should primarily observe the reactions of the clients so as not to lose them in the future.

Also included in the elements that you have to consider is the overall condition of the company. While it can be good for your organization to augment the price of what you are selling, it can be a major turn off for your customers.

There are controlling systems that when integrated with the indicator, you will be able to make a distinction between the actual price of the product and the expenses for it. You can also specify if you will need to differentiate the cost of the product or the service with the fees in controlling. What makes this special is that companies can become aware of the elements that are needed to be taken into account. This way, they can easily discern the correct pricing for their product. With effective management in the costs and the expenses, the executives will be able to verify whether the price of a certain product will be successful in the market. Many believe that this is a great key performance indicator as well.

If you are interested in Banking Indicator, check this web-site to learn more about accounting indicator.

Banking and Theme Applications for Android and Iphone

The very first thing to look after if you are going to have iPhone theme application development you must become familiar with the Apple iPhone and all of its functions. There are number of companies who will help you in developing theme application idea become a reality, and if you feel like accepting the challenges and perks of becoming your very own iPhone application developer then look no further for all of your application development needs. Nowadays the iPhone is challenging the market so it is a best choice you are making to use iPhone application development and this platform is more innovative and it gives users an app experience like no other. These IPhone theme applications gives a chance to stand out amongst the number of other smartphone apps and people love the iPhone because it is considered reliable and is the number a standout compared to other smartphones. 

 
The IPhone software development company has started the business of apps development and provides a variety of services that help you to enjoy the functions and performance of the iPhones. The different services provided by these application development companies are merging the power of the Internet with the iPhone and joining the connections with the websites and online databases to the iPhone, Providing solutions to get your private hosting platforms for the iPhone, Enhancing the features of the iPhone, developing Iphone themes apps and customizing icons of the iPhone and Providing the services for the interaction of your iPhone with other iPhone software.
 
Android is a operating system developed by Google and firstly it is developed as a smart phone and later on following the policies of Google every user has entered into the foray to develop his or her personal android application. Currently in market there are 3 main smart phones player of an operating system platforms Microsoft, Linux and MAC operating system, which is being utilized by apple Mac book, iPad, and iPhones. Android is currently one of the most popular operating system for smart mobile handset, with its great flexibility in making up of Android banking application development. By using banking apps user can perform all the banking activities through his smart phone.
 
 

 

How to select the right umbilical cord blood banking

Along with the banks that store money, there are certain other banks that posses high level of importance because of the fact that they store umbilical cord blood cells. An umbilical cord blood preservation is the best way to store cells extracted from the umbilical cord blood and placenta for the use in future and for the well being of a new born baby and the placenta for the use in the future times of come.

Umbilical cord blood preservation involves collection, processing and storage of blood cells that are found in the child umbilical cord and are managed in a highly specialized environment. These cord blood cells are miraculous way of healing and it can be stored only once in a life- time, therefore measures must be taken in order to select a perfect a cord blood bank.

The cord blood bank is a certified process wherein the hematopoietic stem cells are collected from the umbilical cords. To process these cells, the banks are required to have enough infrastructure, including the laboratory to comply with the regulations laid down by AABB. The cord blood bank should have an adequate set up and those using third part don’t take responsibility of the critical or important procedure of umbilical cord blood cell processing. Moreover, you will not know when the contact between you and your bank will terminate.

Hence, it is apt to opt for a blood storage bank that can show proof of being successful in transplants from the cord blood units they have stored in order to prevent shocks. After all, we rely on surgeons who have performed more than 1500 operations over those have performed 50. Each sample and the quantity and workability of the stem cells are scrutinized to detect viral and bacterial infections, and before their storage for future use. Gather the facts and ensure that the cord blood bank that you have selected to preserve the child cord blood, prides of having a well-organized procedure for cord blood collection, preservation and processing.

Ideally, you should select a cord blood bank in your city itself. The lesser your cord blood unit has to travel for storage, the better it is. Always enquire about the transportation procedure before you register yourself. Remember, the usual couriers like DHL don’t guarantee the proper temperature control during the preservation of cord blood cells during transportation. However, do not hesitate in opting for a cord blood bank that has adequate records and facilities in another city; if transportation is not a issue.

While selecting a cord blood bank, narrow down your options to those banks who have dedicated infrastructure and personnel for umbilical cord blood bank processing and use controlled rate freezing for the safe processing of the cells.
An umbilical blood collection lets the parents or legal guardians to store the cord blood cells of a new- born baby for the well being of the child or its family members.

 

 Myself Janny Mart and Freelance Content Writer. I have Written many Article for various topics. Some of my favorite topics Like:-   umbilical cord bank India, umbilical cord blood preservation

Useful Advice for carrying business banking

Whether you run a small business or a medium scale business, it is important to find the right bank for you. Your choice of business bank and the business banking services offered by them would have a direct bearing on the way you carry your business banking transactions and manage your finances. If you want your business to grow in a smooth manner, you must partner with a good business bank.

If you are not confident which bank you must trust for your business banking needs, you may talk to other small business owners in your area. Find out from them which bank they have chosen and what are the kinds of services that their banks provide them. You may also ask them how those business banking services benefit them in day-to-day business operations.

While personal banking accounts are usually free, business banking accounts may cost you a certain fees. This is because you would be doing many transactions through your business account than what you would do with your average personal account.

Before you open your business account with any bank, you must check the minimum deposit required for opening the account, monthly maintenance fees, minimum daily balance, and average daily balance to avoid maintenance fees, and other terms and conditions for commercial business checking and community business checking.

It is imperative to find the bank that will help you in making profits with your business. If the bank eats you up in fees then how can you keep your business profits? If you wish to save your hard earned money and wish to grow your small business, you must do a lot of research and choose the right bank for yourself.

While carrying banking transactions and business activities, you would face many problems. The check from your clients may bounce bank or you may make mistake in writing the check for your suppliers or dealers correctly. These mistakes can affect your business account and also your market credibility.

You must link up with a small business bank that has financial advisors to confer you with these problems. The financial advisors must help you in correcting such mistakes so that your business operations remain unaffected.

A lot of small business banks these days offer online business banking. Online business banking is quite useful for businesses as it helps them carry normal business transactions from the comfort of their own offices. Before you open account with any bank, check out the different online banking services that they offer to ensure that they would make business banking easy for you. Finally, keep your business account separate from your personal account so that you keep your business profits to your business only. It would also help you at the time of tax computation and payment. Select the best bank as per your business needs and see your business reach new heights in success.

 

Richard Anderson is a famous author who writes on the topics like Personal banking,Florida cd rates etc. If you do standard business transactions with your bank and also have a long term recognisation.

The Growing Influence of Mobile Banking in the New World Order

It is an indisputable fact that technology has proved to be the driving force for modern day existence. Scores of industries and subsequent growth would have been unimaginable, had it not been for the progress that has been made under technological augmentation. But even the most basic of human functions have benefitted from the continuous and path-breaking developments in the field of technology.

Take mobile banking for example. Few people in their right minds would have given a patient hearing if one were to have spoken of a world where money can be moved sans boundaries, with just a few taps and swipes. The entire banking industry in-fact has flourished, only through the monumental developments in mobile technology.

As life gets more hectic and people keep pushing the envelope in the name of productivity gains and progress, mobile based banking solutions are gaining in popularity and acceptance. The increased penetration of web-enabled hand-held devices has led to the banking industry scrambling over each other to explore new ways of catering to an increasingly tech-savvy consumer base.

More and more consumers are interacting with banks through their phones. The banks themselves have responded by pushing out solutions that are more in tune with their customers. One of the ways in which the industry is trying to achieve this, is by forging partnerships throughout the length and breadth of the economy. Each stakeholder, from the banks to the technological solution providers; the government to the economic institutions is attempting to provide a solid platform for growth through the leveraging of their strengths.

Mass segmentation techniques are being deployed as the banking industry tries to understand an extremely diverse school of requirements. Many of the players have already begun investing in Big Data monitoring, tracking and analysing solutions. As online retail purchases become increasingly mainstream, more and more people are starting to carry out their entire end-to-end interaction through their handheld devices. Some of the activities being conducted through mobile phones, includes the tracking and monitoring of new purchases, initiating the selection, and subsequent payment for the orders, etc.

As industry players and customers’ level up to the next wave in convenience driven transactions, it is clear that mobile banking is set to play a greater role in things than ever before.

Mobile Banking is a boon for easy banking in this busy schedule. Banking is now at your fingertips through your cell phone and easily accessible as well as user friendly to every individual.

The Changing Phase of Banking Jobs in India

 

Time is a wheel that continuously rotates without taking a stoppage, a fact which is accepted by each and every individual. In this era of huge competition, where nothing is constant, the banking industries in India also have gone through revolutionary changes. With the entry of multinational and private banks in India the ruling power of government banks have minimized. Getting yourself hired in the banking jobs was very easy for those initially who had their family members working in that bank and was considered as one of the beneficial and secured option.

 A strong cut- throat competition between Multinational Banks and Indian banks are been observed to acquire the largest share of the rapidly growing Indian market. The remarkable changes in the work culture are been observed today. Initially having a loyalty along with some good skills, connections and relations were enough to get an increment in payment and promotion. But today how different you are in your abilities and skills to do a job is a matter of concern to grab a banking job.

Banking sector is looking for those candidates who have not just achieved a degree and cleared the banking exam with good score. They expect smart applicants, with an out-of-the-box thinking ability and are ready to accept the change. With the continuous growth of banking sectors in India number of career openings for the job seekers in India are available today in both private as well as public sector banks. If you are not ready to work hard, learn and update new skills you are not fitted for the corporate world. The coming years are expecting the more growth in the field of banking sector in India, where the need is to accept the changing rules and regulations of government by the banks.

The traditional way of carrying out the business today has become one of the outdated concepts. Technological advancements today highlights the fact of tremendous use of internet today, new methods of practices followed in banking sector and rapid changes in the global economy. Today the Banks in India are continuously striving hard enough to carry out their operation effectively in comparison with that of developed countries. It is clear that today only those aspirants who are ready to learn new skills, go with the change, give their best and explore new ideas, will only able to survive in the boat of competition. Educational institutes have definitely improved their quality of teaching today, but still students are incapable of handling the varying demands of the banking sector, because of the education system prevailing in the country.

 

The recruitments of candidates for banking jobs in India are on today on the basis of their skills and abilities, attitude they carry, and a strong passion to work in this industry. The previous method of giving more importance to the candidates written exam scores is today become an old fashion to judge the candidates ability. Those job seekers who want to take up banking jobs, today need to take extra efforts along with the strong preparation of written exams to win the battle today. Nothing should be taken into granted once you are selected, because your promotions today are based on your smart performance and adaptability to change, not only on seniority. 

 

NRI Banking in India has become easier with technology

Online money transfer technology and a liberal monetary policy have enabled NRIS to invest in India. In a globalized, networked world, where business and commerce has moved from the traditional 8 hour work day, geographies and boundaries have dissolved in the face of technologies. Post liberalization, India has moved on to a less stringent exchange regime and this has made it easier for the NRIs (Non Resident Indians) to remit funds back home. Remittances from NRI’s to India in 2010-2011 were to the tune of 55 billion US dollars. 

Every year, Indians living abroad use 3 main types of NRI accounts to transfer funds. All the major Indian banks, both public sector and private offer these accounts to their customers. Online money transfer from these accounts has drastically reduced the time taken for funds to be transferred to India.

With the spread of the internet and the increased use of information technology, more and more NRIs are using online money transfer to send money to their near and dear in India. Previously, NRIs used wire transfer services like Western Union to send money back to India.

NRI banking  is an important of any bank’s portfolio. It is believed that remittances from abroad constitute 3 % of India’s GDP. Data also shows that India received the highest amount of funds through remittances from abroad. 

Non Resident External accounts: NRE

Funds In these accounts are held in Rupees
NRIs can open these accounts
Funds from abroad can be deposited in this account
This type of account can be held jointly
Funds in this account can be remitted to any country without requiring prior permission from the RBI.
Nominations can be made for this type of accounts
The interest earned on income is not subject to income tax in India.
 

Non Resident Ordinary accounts: NRO
 

This account can be opened by an NRI or even a resident before becoming an NRI
NRO accounts can only contain funds  received in India
The funds cannot be remitted abroad of to another NRE account
NRO accounts can be held jointly by a resident and an NRI
Interest earned on deposits in an NRO account are taxable as per prevailing rates in India

Non-Resident Foreign Currency Account: FCNR
This account allows NRIs/PIOs to invest in deposits in India, in foreign currency. The idea is to protect the NRIs from fluctuations in the exchange rate. Currently FCNR deposits can be maintained in 6 currencies.

US Dollars $
Euros €
British Pounds £
Australian Dollars $
Canadian Dollars $
Japanese Yen ¥

FCNR accounts are an attractive way for NRIs to get a good rate of interest on their deposits.
They can only be opened by NRIs
The term is between 1-5 years
These accounts can be held jointly
Nomination facility is available
Loans can be availed against these deposits, however these loans are restricted in their use and amounts, by the law.
The interest earned on the deposits is not taxable in India.
The principal deposit is not taxed as Wealth Tax in India

The banks in India have become aggressive and adopted new technologies for NRI banking procedures in terms of transferring funds to India.

Debit Cards are Convenient and Offered by Different Banking Institutions

Debit cards have revolutionized the banking industry by offering quick and convenient access to customers. They can be used at every location that visa or mastercard is accepted depending on which network your card runs through. They can also be used at ATM’s for cash withdrawals or to obtain information such as banking balances.

Four banking institutions that have great customer service and offer debit cards as a feature of their accounts are St. George debit card, Anz debit card, Suncorp debit card and commsec debit card.

These companies all have some similarities, but they have features and benefits that set them apart from the others, as well. It is best to review each aspect of the company and what they offer before determining which banking institution to open your account with.

St George offers a visa debit card as a part of their account.  They have a good reputation and offer their card with a flat fee of $ 3.00 per month. This card can be used electronically or for point of sell transactions.  For a card that has such a low monthly fee, it is feature packed with many options that customers seek.  It is incredibly secure, has unlimited tractions, has monthly states in print or electronic format, bill automation, transaction histories and internet banking.  Bill automation is highly sought after by customers because they no longer have to worry about forgetting to pay a bill on time.  They simply set it up and the banking institution does the rest on a continual basis.

The Anz debit card is a little more complex, but is still a great card to have. There are many different levels of the card that a person can get based on what they select is best for their personal situation.  Advantage, select and Extras are the three levels that a person can obtain.  Each has a different fee based upon which card you select. These fees range from $ 2.00 to $ 18.00 for the extra selection.  The extra option is the one that has the most features and exclusive offers for each customer.

Suncorp offers a debit card that can be used domestically as well as overseas. The card is totally free which makes it very attractive to potential customers.  It can even be personalized with a photo that you submit for a small charge. They offer comparable features to other cards, and have an excellent reputation for stellar customer service.

The commec debit card mastercard has in-depth security features in place and is totally free without an application process to customers.  As long as a person has an account with the bank, then they are eligible for the card.  This card can be used at more than twenty-five million locations all across the world and can be used online or over the phone for electronic transactions, as well. Around the clock support is available to customers and online share trading as well as account management is available with just a few clicks. Ease of use is definitely a feature with this card.

Know more about “Debit Cards” at DebitCard.com.au compare the best available Debit Cards like Anz debit card, commec debit card, St. George debit card and Suncorp debit card from all across the Australia.

Banking software companies and their Vision and Mission

In their efforts to introduce mobile banking services, financial institutions take measures to find reputed banking software companies that have carved a niche in this field. Software companies that build effective solutions are well equipped with the needed resources, as the companies adopt result-driven practices to afford ideal solutions to banks. The experienced professionals at the reputed banking software companies understand the real needs of banks, as they bring out mobile banking solutions that meet the real needs of clients.

It is the vision and mission of the reputed banking software companies that drive the companies to accomplish desired results. With the prime objective to afford customized solutions to financial institutions, software companies go the extra mile to bring out effective solutions that provide suitable answers to banks. How does the vision and mission of such companies push the companies to deliver fruitful results?

Empower clients

The prime factor that drives the software companies to build effective solutions is their objective to empower financial institutions with innovative business solutions. By affording robust mobile banking solutions, such reputed companies allow the banks to gain competitive advantage, and afford unparalleled services to customers in the process. Moreover, with such spotless services, banks are better placed to win the confidence of customers. Financial institutions are also in a position to introduce a range of services through this solution, which allow banks to romp in more customers and improve its profit on the whole.

Deliver client success

The reputed company that paves the way for effective solutions is also a company that strives to deliver client success. In order to deliver client success, the software organization brings its expertise to the fore to build effective solutions that fuel client’s growth and success. Most importantly, the company that has earned a reputation for building robust software delivers innovative solutions that bring fruitful results for financial institutions.

Successful implementation

Apart from building robust solutions that fuel the growth of banks, the reputed company is keen to implement the solution in a successful way. The software establishment goes all out to ensure successful implementation of such solutions, which works in favor of the financial institutions.

Protect client’s investment

Most importantly, the reputed company is driven to provide more value for the client’s investment, and the establishment never fails to bring out customized solutions that provide great value for the client’s investment. The reputed company adopts effective strategies to protect client’s investment, and pave the way for long lasting solutions that enhance the bottom line of financial institutions.

Bank-Companion.com is the leading mobile banking solutions provider compared to the Banking software companies. It enables banks, community banks and credit unions to provide their customers with 24/7, anytime anywhere banking. The result is a secure and scalable platform that helps your organization to increase loyalty, acquire new customers, cross-sell products plus much more.