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Thinking of Starting Up Your Own Bank Or Financial Institution?

Bank Ownership Offshore

Offshore bank ownership solutions include a New Zealand Finance Company, an EU Registered Trust Company, a Panama registered Forex Brokerage, or a Closed End Fund registered in the British Virgin Islands.

Each of these bank ownership solutions can be set up in tax advantaged manner in tax advantaged jurisdictions.

It is possible to set up a tax advantaged banking solution and to be able to offer traditional banking services including the provision of checking and savings accounts, certificates of deposit, trust account services, wire transfer services, credit and debit card services, and trust account services.

The rules and regulations vary front one jurisdiction to another. However, it is perfectly legal to set up an offshore banking solution in any of several jurisdictions world wide, taking advantage of the laws of that country. In general, it is possible to find jurisdictions when one does not to provide the capital reserves required of a traditional bank in the same country.

Not All Offshore Banking Solutions Are the Same

If you are considering banking offshore talk to an offshore expert because not all offshore banking solutions are the same.

The world is full of decent offshore banking solutions and there are a handful of exceptional offshore banking solutions. Why not go with the best and most professional choices?

You should work out the best offshore banking solution in your choice of jurisdictions. Offshore shore banking in tax advantaged jurisdictions can save you money. Offshore banking can be very discrete in an increasingly intrusive world. Offshore banking can be safe and profitable.

An offshore banking solution should save you money, guard your privacy, and protect your assets.

Offshore Banking Solutions: Closed End Funds

One of the many offshore banking/financial institution options is to start and run you own closed end hedge fund. An offshore expert can help you explore the opportunities involved in such an investment and its relevance to your personal needs.

An offshore closed end fund option is in the British Virgin Islands. Such a fund invests pooled assets, charges management fees, and, typically, receives performance fees on profits.

The British Virgin Islands are a tax advantaged jurisdiction for such an institution. Reporting requirements and the attendant overhead are minimal in the British Virgin Islands helping to hold costs down.

Such a fund can engage in investments and trading world wide without excessive reporting requirements to local institutions. This is a tax advantaged location. You can seek advice about the pros and cons of starting a British Virgin Islands registered closed end fund. It is also possible to obtain the technical support required to successfully run a closed end fund in the British Virgin Islands.

A closed end fund can be a very successful undertaking if properly set up and managed in a tax advantaged, low overhead location.

Offshore Banking Solutions: Forex Brokerage

An attractive offshore banking/finance option is to set up a Forex brokerage in the country of Panama. This is a tax advantaged jurisdiction with minimal overhead …

How to Start Your Own Mobile Tire Installation Service Business

You could start your own mobile tire installation service business, and be in business for yourself! You could offer your service, by contacting certain tire dealers, in your neighborhood. Talk to them, and let them know, you want to start your own business, and you would like to get a discount on tires from them, if you become a regular customer for them, and better them, than their competition, up the street.

Tires stores are just about everywhere these days! Everyone needs tires eventually, just no way around it, and that is good for you! It is a hassle, for most people to take their car to a tire dealer, wait sometimes forever, if they are busy, and then get shoddy service, and hidden extra charges, almost all the time.

If you take that worry away from your customer, you will do good! If your customer had to pay $500 for a set of tires from the same dealer you just made a deal with, to get them, say, for example, $400, you would make an instant $100 profit on that, and then if you install them, and charge another $100 for that, you could make $200, in just one or two hours time! Walk around any neighborhood, and look at the cars you see in the driveways, or on the road. You could go threw any parking lot in America, and look at the tires on cars as you walk around. The cars with the bald tires will be your best customers!

Let them know you will take care of everything. In the beginning, you can come to their house, put their car up on jacks, take the tires to the tire dealer, have them put the new tires on, and take them back, and install them, back on their car, and your customer will be happy, that they did not even have to leave the house!

You could later, after you get more experience, and a better truck, you could get your own tire machine, and do the tires yourself, right in the back of your truck, and pick the tires up ahead of time, for your customer, so their car, is not up on stands for too long. You would want to have signs made up for your vehicle, and pass out business cards to all the cars you see with bald tires!…

Five Advantages to Having a Comprehensive Health Care Plan Provided by Your Employer

Trying to get ahead financially these days is an extremely difficult goal to accomplish and a lot of people are finding that even the basic advantages we used to take for granted are becoming harder to acquire. There was a time that any substantial job would include such benefits as an excellent employer sponsored health care package. That is no longer the case as business owners look for ways to trim their own expenses so they cannot just keep the doors open to their business but so they can turn a profit as well. A person is fortunate to retain any health care benefits offered by their employer and it is not uncommon for that employee to shoulder a portion of the costs for this advantage. It is also rare to find that this package contains anything extra such as dental or vision coverage. Most of the time a vision plan is attained at an extra cost to the employee and it must be analyzed to see if this addition cost is worth it. A truly comprehensive employer sponsored health care package will contain:

1. Low deductibles – This is a great benefit that reduces the out of pocket expenses to be paid by the employee. The rates for insurance go down when a business chooses to let the employee carry the burden of high deductibles and large co-payments so this is an appealing type of insurance to carry on their employees.

2. Dental insurance – A group rate for dental insurance that includes regular checkups and cleanings is such a great perk to workers. There is almost always an extra charge for orthodontics work but oftentimes a good dental insurance contract will pay most of the cost for these checkups and cleanings and a portion of any dental work such as fillings and crowns. These can result in significant savings to an average family who takes advantage of these offerings.

3. Mental health evaluations and treatment – There was a time that this was considered unnecessary but thankfully as more and more people are taking advantage of available mental health resources this insurance will accommodate them. Diagnosis, counseling and mental health medications are often available at a small cost to the employer and employees are finding that this form of treatment saves the business time that would have been lost by absenteeism and poor work habits.

4. Large pool of physicians in network – It is a distinct advantage to be able select a doctor from many that are available rather than a handful that are located nearby. The quality of care and the continuity of having the same doctor are extremely valued by the patient and contribute greatly to a good insurance program.

5. Regular eye screenings – When this benefit is offered it is a service that can detect early stages of eye diseases such as Glaucoma, Cataracts and Macular Degeneration. These diseases are notorious for robbing people of their sight and are feared by many folks. …

Drywall Repair – How to Make an Extra $300, $600 and More Per Week Specializing in Drywall Repair

If you have been a house painter for very long you have undoubtedly come into some form of drywall repair on every interior painting job. As a matter of fact, if you don’t get good at mastering drywall repair, your painting jobs will not be as professional as they could be.

In this article I want to reveal how small drywall repair jobs can mean big profits for you. I am talking about making $350 to $500 on average for just 7 – 10 hours of work. Each job is different of course and may turn out to be just a $200 repair or maybe a $1,500 repair.

The fact is that when it comes to drywall repair people always call someone to do the work. As a house painter I know that most people think they know how to paint and the keyword here is “think”. But when it comes to things like drywall repair they go running home to momma.

And this is why you can make good money doing small repair jobs like plumbers and electricians do. The things that most people are unskilled to do themselves are simple and easy for us that decide to specialize in them.

Some people have the money but lack the time and would rather have someone else do the work anyway. 99{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the time though, people just don’t know the trade. Drywall repair is a secret art. As for the ones that attempt to repair their own drywall themselves, the job always turns out lousy.

Where is the target market for getting business? The answer is residential, light commercial, rental properties, etc. As a house painter you can be limited to a higher end market if you wish to earn professional painters wages. But no so with drywall repair. Your market can be low end to high end simply because of the tremendous profits in smaller jobs that most people can afford.

Most of the time you get calls from people when they have water damage. Sometimes it is from reckless teens roughhousing. I had one job where bees ate a hole in the ceiling. I would say that 95{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of drywall repair is from water damage and half of that can be from bad plumbing, a leaky shower that needs to be re-grouted, etc. A leaky roof is usually the other reason.

Sometimes you can get jobs hanging and taping small projects like a garage or part of a basement. You don’t have to take on these bigger projects though. Many times people want to sell their house so they are motivated to fix their walls or ceilings finally.

You may ask yourself, if drywall repairs are so simple how can I get good at doing them? First, You need to learn how to duplicate a few common textures, which is easy once you figure out which tool was used to make it. You will also get repairs for common drywall holes of all sizes, which includes plaster …

An Informative Review of RV Insurance Companies

There are a number of insurance companies that focus primarily on insuring recreational vehicles (RVs). These companies provide comprehensive policies that thoroughly protect RV owners. Some of the top RV insurance companies are Gilbert RV insurance, RV America Insurance, Progressive RV Insurance, and Good Sam RV insurance. Each of these companies has numerous options for RV coverage. RV owners will be able to find the coverage they need with one of these top companies for a reasonable price.

Gilbert RV Insurance offers several options for RV owners. Some of the best things about Gilbert are the replacement cost coverage, the purchase price coverage, and the full timer coverage. The replacement cost coverage guarantees that the client will receive a new RV of the same model, body and size if the original RV is totaled. The purchase price coverage is similar. It gives people the option of being paid the total price paid for the RV in the event that it is totaled. The full timer policy is perfect for people whose RV is their primary residence. This policy provides total coverage for the RV and has higher liability limits.

RV America Insurance provides a number of options for owners of all types of recreational vehicles. The most unique aspect of RV America Insurance is that it works with six different RV insurance companies. This insures that RV owners will get coverage that is specialized to meet their needs at a low cost. Some of the options available include flood, theft and fire coverage; full timer coverage; total loss replacement; and 24/7 roadside assistance.

Progressive RV Insurance is perfect for covering many types of recreational vehicles. Progressive is a top rated car insurance company. They apply their excellent vehicle coverage for RVs, but also understand that an RV is like a home on wheels. Progressive offers full RV coverage including personal effects coverage, campsite coverage, and emergency placement coverage in case RV owners need somewhere to stay while their RV is being repaired.

Good Sam RV Insurance is a part of the Good Sam Club for RV owners and campers. The Good Sam Club offers members emergency roadside service and extended warranties on RVs as well as comprehensive insurance. Some of the many features offered are full RV replacement, full timer coverage, permanently attached items coverage, and personal effects coverage. Good Sam saves RV owners on average of $312 a year on RV insurance and received an “A” rating from A.M. Best.

These top-rated RV insurance companies can provide RV owners with the coverage they need. From occasional RV users to full timers, everyone can find a policy to fit their needs.…

Americans Without Health Insurance and Life Expectancy

A recent Harvard study concluded that approximately 45 thousand people expire in the United States annually due to their lack of insurance coverage or adequate healthcare. All in all, research has shown that American individuals who have not attained the age of 64 and are not insured are 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} more likely to die, compared to individuals who are insured.

Results of findings came during a time of heated banter in regard to democratic effort to make change to the United State’s $2.5 trillion health care industry and attempts to expand healthcare coverage amongst Americans while decreasing healthcare cost.

President Obama has tagged the healthcare face-lift a top domestic policy priority. However, his plan has been attacked by critics and slowed by feverish congress debate. Since there is so much money involved in healthcare and so much potential for loss, it is certainly not surprising that insurers and healthcare industries are in opposition to parts of the plan.

The Harvard study, funded by a federal research grant, was published in an online edition of the American Journal of Public Health. It was released by Physicians for a National Health Agenda, which favors government-insured or “single-payer” health insurance.

A comparable study in 1993 found that individuals without insurance had a 25 percent higher probability of death, according to the Harvard group. The Institute of Medicine later used that data in its 2002 assessment showing approximately 18,000 individuals a year died because they lacked coverage.

Part of the amplified risk now is due to the growing ranks of those who are uninsured. Roughly 46.3 million people in the United States lacked coverage in 2008, up from 45.7 million in 2007. Unfortunately, our nation has experienced record layoffs and downsizing in recent years. Thus, vaulting the number of individuals who must obtain individual coverage or keep their current coverage through a Cobra policy. Cobra is simply an extension of an individual’s previous health coverage (prior to layoff). However, where the employer would cover 50 percent (or more) of the insurance cost, the individual must cover the entire cost to be insured (upon going on Cobra). It is not surprising that many decide to go without vs. doubling their current cost to be insured.

Another dynamic is that there are fewer places for the uninsured to get satisfactory care. “Public hospitals and clinics are scaling back across the country in cities like New Orleans, Detroit and others” per David Himmelstein (Co-author of the Harvard study) and additional co-author Dr. Steffie Woolhandler alleged that the findings show that without adequate coverage, uninsured people are more likely to pass away due to complications connected with avoidable diseases like diabetes and heart disease.

County hospitals are not known for their speedy service or short waiting periods. In fact, in 2009 a Dallas business owner died while waiting to be seen in the county hospital. The individual (Mike Herera) entered the county emergency room suffering from his recurring hernia problem. When asked to provide his level of pain, Mr. …

Starting Your Own Check Cashing Business

If you are currently thinking about starting your own check cashing business, there are things that you first need to consider. The path leading from conceptualization to realization can be a scary and uncertain route, and it is difficult for most people to know the proper steps to take. In this article, we will give you the information that you need to know before starting your own check cashing business.

The first and often most difficult hurdle in starting your own check cashing business is the initial investment. On average, the start-up costs for a check cashing business can range anywhere from $50,000 to $150,000, and unless you have a substantial savings, you will need to have solid credit in order to secure financing. In addition to paying for a location and having funds available to actually cash checks, there are many other expenses that you may not think of initially. For example, you need to figure in the cost of computers, furniture, monthly expenses (electricity, heat, etc.), employees, insurance, rent, advertising, licenses, and fees just to name a few. In addition, by the very nature of dealing with money, a check cashing business needs to have certain security measures in place to keep both your assets and employees safe. This may require hiring the services of a check-scanning company (such as TeleCheck), security cameras, alarms, and special glass to protect your workers. As you can see, your start up investment will play a large role in determining future success.

The second thing that you must do before starting your own check cashing business is to acquire all of the proper licenses and permits. It is advisable that you check with your local and state authorities to make certain that you possess all the necessary documentation needed to operate a business. It is also worth mentioning that you will have to comply with the federal and state government’s usury laws, which are in place to prevent financial outlets from charging exorbitant interest rates.

Let’s say that you have cleared these first two obstacles; what step should you take next? You should now turn your attention towards hiring responsible, and more importantly, honest employees. It is crucial in a check cashing business to hire only the most trustworthy of people, so you should take any safeguard necessary to ensure this. This step should include an extensive interview as well as background and credit checks. Do not rush this part of the process just so you can open up your doors to the public. This is one instance where your patience and sound judgment will definitely pay off, and it could end up saving you a lot of money that could otherwise be lost to employee theft.

Starting your own check cashing business is a difficult and involved process. By covering all of your bases and following through on the information provided above, you should find yourself well on the way towards operating a successful and profitable check cashing business.…

Reiki for Prosperity, Abundance and Financial Success

Quite a few people have written to me asking how to use Reiki to bring abundance, prosperity and/or

financial success into their lives. This article is a somewhat shortened version of my blog entry on this

matter. Please click on the link below to read the longer version.

I’m going to present a few ideas for using Reiki to achieve abundance, prosperity and/or financial success.

But before I do that, I want to mention that this is one area where Reiki and Feng Shui go together very

nicely. Many books on Feng Shui specifically tell you how to set up your environment to encourage abundance and prosperity.

I do want to acknowledge something before I continue my discussion. To some people, speaking of Reiki and money or Reiki and financial success in the same breath makes them cringe. They view Reiki as pure Love, a spiritual calling, and to introduce the idea of money into the sacred realm of Reiki is abhorrent to them. If that is your viewpoint, I completely understand and respect your position. I have known healers in many fields who have felt the same way.

But I am a bit more of a pragmatist and a realist. I recognize that we need to make a living and we need to support our families. Even more importantly, I realize the negative effects poverty and monetary insecurity can have on us.

When a person feels financially uncertain, even endangered, that person may find it very hard to pay attention to the spiritual aspects of his/her life. If someone has so much financial worry, thoughts of “How will I pay the bills?” and “Will we lose the house?” may occupy so much of that person’s energy and time that they can scarcely think about things like helping others heal.

Does this mean that poor people and people with financial difficulties can’t be spiritual and can’t help others heal? Of course it doesn’t mean that. However, survival issues can become paramount, and for many, many people, these issues interfere with their ability to give any of their energy to spiritual and healing issues. We are all human, with a limited amount of energy and resources available to us at any given time.

But beyond this, I don’t believe there is anything inherently wrong in the desire for abundance, prosperity

and financial security. We live in a world that is run by money; that is the reality we live with, no matter

how much we might wish it were otherwise. Without sufficient money, we are in deep trouble! When we have sufficient money, we can turn our attention more easily to helping others.

Everyone has to define what the term “sufficient money” means to them. For example, I am not fond of the idea of using Reiki to win the lottery, or to win at gambling. Frankly, I don’t like the energy of gambling, because so many people’s lives are ruined by gambling.

Having said that, however, I leave it up …

Excuses to Not Have Insurance

Have you ever wondered what goes through the minds of individuals who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car Insurance? I think about it all the time. The truth is that there’s no real way to ever know who has insurance and who doesn’t have insurance until something drastic happens. I want to talk about some of the myths that I have heard either in person, on the radio driving or in court. Yes, I said court. You would be surprised of the responses someone gives a judge regarding not having car insurance.

One of the top excuses to not have car insurance is the mindset of not getting caught. If you have been in the car with someone without insurance you can normally tell by the way they’re driving. They are constantly looking in the mirrors, slowing down to avoid attention when they see a police car. As a car owner you should know that most states require drivers to have the states minimums for bodily injury and liability coverage to drive legally.

Another excuse is that their car is a piece of junk so no insurance is needed. Well, rather you think your car is junk or not they realize it or not the car gets you from one place to another. So, protecting your car is worth it. After all, working hard to purchase the car should give you the desire to preserve it? Just imagine your life without it. At the same time all vehicles require insurance no matter the condition.

You might hear someone say I have my own medical insurance and that should be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it most people take out the bare amount of coverage on their jobs due to price. Do you realize when you’re in a car accident there are other cost involved? Will your work insurance pay for the ambulance expenses? These expenses can add up if there’s more than one car involved in the collision and it’s your fault. If you know you have the bare amount of coverage go ahead and get a quote for insurance that offers medical. That will give you one less thing to worry about.

I will never get sued is another saying people think is a reason to not have coverage for their cars. We live in a lawsuit happy society. People will sue you over the smallest of things and win because the either know the law or have a great lawyer. I learned from a popular movie that with the legal system that it’s not about what the crime is but rather what you can prove.

I got luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalized, …

Understanding Group and Personal Ethics – Nu Leadership Series

Men cease to interest us when we find their limitations. The sin is limitations. As soon as you once come up to a man’s limitations, it is all over with him.

Emerson

In today’s society, personal and group ethics shape the value formation in organizations. Ethics and organizational culture can impact the success of an organization in the following ways: (a) group cultures influence ethical behavior more than the sum of their individual ethics, (b) ethic reasoning is a logical sequence where policies come last, making policies the result of ethical reasoning, not a substitute for it, and (c) ethics and culture gaps can only be reduced by preventing their root causes at the beginning of the process. Ethics in organizations are influenced more by the group ethics system (culture) than by the sum of the individual personal ethics systems.

Ethic plays a critical role in leadership. Ethics is defined as the code of moral principles that governs the behavior of a person/group to what is right. People will not respect a leader low in integrity. A leader can’t trick them with promotions or bribe them with money. In the long run, character does count in an effective organization. Draft, an organization management expert, explains that leaders at the highest management levels develop internal moral standards that can often allow them to break laws if necessary.

A leader’s unethical conduct brings about his own demise and shame of his organization. Therefore, it can be shown that effective leaders must have accountability mechanisms in place so that they won’t hit any ethical mine fields. Can you imagine what happens in an organization without accountability?

Each individual brings their own personal beliefs into the workplace. Leaders are not the exception. An individuals family background, traditions, spiritual values, and experiences impact how the make moral decisions. At the medium development point, individuals learn to conform to the expectations of moral behavior defined by their peers and society. Most leaders at this junction are willing to following laws and society expectations.

However, the highest levels of value formation are individuals who develop their own internal set of standards. Therefore, these individuals develop their own ethical principles that become more important in their decision-making than any external expectations. This high arching principle allows them to make unethical decisions, such as break laws or compromise organizational values, because it allows them to sustain their moral principles internally. Obviously, values will continue to play a critical role in organizational development in the future.

References:

CNN (2005). Reid: White House owes an explanation. Received on October 31, 2005 from http://www.cnn.com/2005/POLITICS/10/30/leak.probe/index.html.

Ciulla, J.B. (1998). Ethics: The Heart of Leadership. Westport, CT: Praeger.

Draft, R. (1995). Organization Theory & Design. Congress gets low ratings on ethics, honesty.

Harris, J. (April 12, 2005). In recent scandals, a rethinking of capital’s conventional wisdom. Washington Post.

Heuser, B. (2005). The Ethics of Social Cohesion. Peabody Journal of Education. 80(4), pp.8-15.

Kern, C. (2003). Creating and Sustaining an Ethical Workplace Culture, Pepperdine University.

King, …