Offshore Banking – The Essential Guide to Opening an Offshore Bank Account

Lets start by taking a look at the required features of an Offshore Banking Account:

  • It should be completely tax-free
  • It should have online account access
  • It should come with an offshore debit or prepaid card

These are the most basic things that you need in an offshore account, but the number of offshore banks or agents that do not offer this is shocking. Without a card to withdraw funds or up-to-date online account access for your offshore banking you are stuck in the dark ages. If you actually want to use the offshore account, look for these fundamental features.  

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There are also optional features to enhance your privacy and profit

  • The offshore bank account should be in the name of a tax free offshore company. This is not a foolproof measure by any means but its more private than directly opening the account in your name
  • The bank should offer interest bearing accounts BUT be wary of high interest offshore checking accounts. If it looks too good to be true it probably is, which brings us to the next topic.. 

    offshore company

Offshore Bank

It’s always good to research your bank thoroughly. Since the financial crisis it has become of paramount importance to choose a bank that has liquidity. If its reserve ratio (percentage of depositors‘ bank balances it has on hand) is as low as most US and EU banks think carefully. The bank should not be lending out 100 times the money it actually has, much less if it’s a shell bank in an offshore jurisdiction with little regulation.

Opening an account in an offshore tax haven can provide greater privacy, if the bank is not owned by an institution in a high-tax country. But at the end of the day you are putting yourself at risk. The US Patriot Act has stopped these institutions from operating effectively and they find it difficult to offer quality debit card or trading features because they are licensed by countries on financial blacklists. You will find it hard to make transactions with third parties and the offshore account may even end up being frozen because the bank is assumed to be a front for criminal activities.

Furthermore, the EU Savings Tax Directive requires that any bank in the EU or its dependencies must report customer income on their savings accounts to their home country or pay a withholding tax. This directive includes a host of offshore jurisdictions like the Channel Islands, Isle of Man and the Cayman Islands among others. Other European countries that are not full members of the EU like Andorra and even Switzerland are also bound by this directive. If you are an EU citizen it’s suicidal to open an offshore account in one of these countries.

What about the big international banks, are they safe and trustworthy? Although they are safer than shell banks, there’s two pressing reasons not to go through a big international bank like HSBC or Barclays.

1. Even if your actual bank account is in an offshore haven, it will be a subsidiary of the main bank who will be forced to give up your confidential information on request from the high-tax government in your home country. Here’s a case in point that happened in the Turks and Caicos Islands some years ago. A very large and well-known international bank, with many „offshore“ branches had information in its Turks and Caicos Islands bank that was sought by the United States government. They were unable to get a subpoena in the courts of the Turks and Caicos Islands because of their bank secrecy laws. So instead, the US Federal Court in New York imposed a fine on their New York bank of $100,000 per day until the information was surrendered–the bank rolled over in about three days.

2. Liquidity. Although officially highly regulated many big onshore banks are lending much more than they actually own, or speculating with your money. If they get it wrong you may not be able to access your account for a period because they don’t have the funds, or at worst you lose a percentage or the entirety of your deposit. Small professionally run banks do not generally experience these difficulties.

Right so let’s run through the Offshore Bank checklist:

1. Small – definitely not a multinational

2. No correspondent account in USD

3. High reserve requirement

4. Outside of the EU if you are an EU citizen

5. Reputable, i.e. not in any traditional offshore jurisdiction

Banks which pass this checklist and the Offshore Bank Account Checklist above tend to be located within Europe, but not affected by the EU Savings Tax Directive. However, the world economic and political climate is liable to change, and as it changes the safe options to keep your money tax-free will change accordingly.

 

Personalized Products For National Fire Prevention Week

They say that an ounce of prevention is better than a pound of cure. And yes, this saying is true enough and very applicable in every situation that we are into. As the upcoming National Fire Prevention Week is fast approaching, the government and some non-profit groups will definitely post some guidelines and reminders about home protection and fire prevention. Indeed, fire incident is one of the most lethal things that may happen to you and your family. So to be able to keep everybody informed, there are information drives and affairs that are being organized. 

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Furthermore, these affairs that endeavors to keep everybody abreast on what they should do in cases of emergency like fire will never be complete with personalized items. Other than giving away flier, brochures and other reading materials there are the things that can open everybody’s minds and at the same time can carry your business into another fiery stage of brand building. 

https://www.wikihow.com/Prevent-Household-Appliance-Fires

Tying up other organizations that are directly related to fire prevention is a smart move. Despite the fact that this occasion will only last for a week, it is a heroic duty to let the community informed with pointers on how they keep their household in safety mode. Some of the things that your corporation can give are t-shirts. Personalized t-shirts with the logo and a slogan regarding the issue will be highly effective campaign paraphernalia.

T-shirts boast of a huge imprinting portion that every people will notice and see even from a far. Provide this to happenings as a token of their attendance. Giving out promotional materials that are highly functional is very much appreciated by the people. They aren’t just informed; they also get benefits like t-shirts, mugs, cups, calendars, notepads, pens and other materials that can be customized according to the theme of the event.

More than that, t-shirt is a type of personalized materials that is budget-friendly and cheaper if purchased in bulk. Nonetheless, just limit your colors into three so you might not bother about the additional payment for added color.

 

Personalized Products For National Fire Prevention Week

They say that an ounce of prevention is better than a pound of cure. And yes, this saying is true enough and very applicable in every situation that we are into. As the upcoming National Fire Prevention Week is fast approaching, the government and some non-profit groups will definitely post some guidelines and reminders about home protection and fire prevention. Indeed, fire incident is one of the most lethal things that may happen to you and your family. So to be able to keep everybody informed, there are information drives and affairs that are being organized.

Furthermore, these affairs that endeavors to keep everybody abreast on what they should do in cases of emergency like fire will never be complete with personalized items. Other than giving away flier, brochures and other reading materials there are the things that can open everybody’s minds and at the same time can carry your business into another fiery stage of brand building.

Tying up other organizations that are directly related to fire prevention is a smart move. Despite the fact that this occasion will only last for a week, it is a heroic duty to let the community informed with pointers on how they keep their household in safety mode. Some of the things that your corporation can give are t-shirts. Personalized t-shirts with the logo and a slogan regarding the issue will be highly effective campaign paraphernalia.

T-shirts boast of a huge imprinting portion that every people will notice and see even from a far. Provide this to happenings as a token of their attendance. Giving out promotional materials that are highly functional is very much appreciated by the people. They aren’t just informed; they also get benefits like t-shirts, mugs, cups, calendars, notepads, pens and other materials that can be customized according to the theme of the event.

More than that, t-shirt is a type of personalized materials that is budget-friendly and cheaper if purchased in bulk. Nonetheless, just limit your colors into three so you might not bother about the additional payment for added color.

Cheryl D. Miller is a writer for Promotional Health Products [http://www.cheappromotionalsupplies.com/cheap-promotional-health-safety-products.php] and Health Promotional Business Gifts [http://www.ezbusinessgifts.com/health-safety-promotional-business-gifts.php]. Read more articles by Cheryl D. Miller here.

Article Source: http://EzineArticles.com/5128397

General Dental And Preventive Dentistry – What It Entails

General dentistry is dental care for people of all ages. It incorporates diagnosis and treatment of your overall dental health. In the event that you require specialized treatment, a general dentist may refer you to a specialist to have the procedure done. Preventive dentistry on the other hand is the care of your to teeth in order to avoid gum disease, cavities and other dental problems.https://www.deviantart.com/edgertonglenndentist/journal/What-Is-Considered-General-Dentistry-832464241

Preventive care includes brushing your teeth daily with fluoride toothpaste and sometimes having periodic cleaning at the dentist’s using gels and special rinses. Daily flossing is also necessary, and in case you have braces, you can use floss threads to clean out spaces within the braces. Mouth guards used to prevent sports trauma are incorporated in preventive care. A balanced diet is a sure way of ensuring good dental health as it gives your body (teeth included) the nutrients it requires to stay in tip-top shape.https://www.wikihow.com/Prevent-Dry-Socket-After-a-Tooth-Extraction

Services offered

General and preventive dentists offer a wide range of services, including dental implants, dentures, oral surgery or even treatment of gum disease. Root canal therapy is the treatment for the infection found at the centre of the tooth. This infection, which comes about due to bacteria in the mouth, gets to the tooth when a filling leaks or if the tooth is decayed. Gum disease can include simple gum soreness, or it could be the more serious form that damages the bone and tissue that support your teeth, sometimes leading to the loss of your teeth. The dentist may deal with gum disease through deep cleaning, which involves either planing the root or scaling. In extreme cases, surgery may be recommended.

Cosmetic procedures

General dental and preventive dentistry also deals with cosmetic procedures. One of these procedures is the use of invisalign, which is a modern way of straightening your teeth using aligner trays made from clear plastic. When using metal braces, a visit to the dentist means tightening of the wires but with invisalign, the dentist gives you a new set of aligners to wear. These aligners are smooth, making them very comfortable to wear.

Dental implants, on the other hand, are made from titanium, used for replacing the root of your tooth. This root can then hold an artificial tooth which replaces a missing natural tooth. To enhance your appearance, veneers may be used. They are very thin materials made from porcelain or resin, placed on your tooth’s surface. Teeth whitening procedures are also done to enhance your appearance by getting rid of discoloration from your teeth.

Dental anxiety

Dental anxiety occurs when you have a bad experience at the dentist’s, or purely due to fear and thus are anxious to go for any dental checkups or procedures. This is dangerous to your health since dental diseases can affect the rest of the body. General dental and preventive dentistry is meant to help patients with this kind of anxiety by providing effective pain control and ensuring the patient is as comfortable as possible before proceeding with any procedure.

Article Source: http://EzineArticles.com/8483733

Choosing the Best Fire Escape Ladders

The search for the best fire escape ladders, ladders to escape from fire, is often one of the most important life-or-death decisions you will make. The best products to buy for this task will provide you with the benefits that you need to give you the best safety. Consider some of the key factors to consider.  

fire safety information
First of all, it is important to keep in mind that there are many different brands, styles, and designs of fire escape ladders. All different manufacturers produce a unique kind of design to fit every individual. All the designs have different merits and all the styles will provide you with the mobility and safety that you need.

https://www.wikihow.com/Keep-Safe-During-a-House-Fire
The most important factor to consider when shopping for a fire escape ladder is the safety of the ladder. Of course, the best design will have the highest safety rating. One of the safest designs is the collapsible kind. This design allows the user to put the ladder into a crouched position, and this reduces the risk of falling when you are in a fire situation.
The other fire exit ladders have found to have drawbacks. Some of these drawbacks include the low rigidity. This means that the ladder will not be as stable as the best designs. Other designs have to do with safety.
Some of the drawbacks of the collapsible designs include; easy collapse, easy to tip over, and low resistance to fires. They may also be hard to move once in the open, and they may also become unstable when dry. In this way, they will cause you to fall in the fire when you try to escape from fire.
For some consumers, there is a desire to have a good design. This means that they will focus on the features and safety features and then get the best. Some consumers do this because they find the collapsible designs lacking in features.
A good design will have good features. There are a variety of features that you can find with the best designs. Some of the features of a good design include; ergonomic features, easy maneuverability, and safety features.
Many of the newer designs are made from stronger materials. They will provide better resistance to fires. They will be able to hold up to the weight of someone who uses them on a daily basis.
Some of the popular features that you can find on the best fire escape ladders include; great price, a feature that enhance safety, and innovative features. They have been tested and have proven to be a great addition to the market. Some of the major designs that have been tested and used successfully are; breakaway designs, foldable models, and pop-up models.
As with all products, the most popular ones are not always the best ones. The best features are found in the collapsible ladders. However, these products are more expensive than the pop-up models and foldable models.
There are several other products that are now on the market to help you with your fire escape needs. However, the collapsible ladders are becoming more popular as more people are seeking the best fire escape ladders. They can be purchased online, and they are well worth the investment in the life of your home or business.

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