What Are The Best Currencies To Trade?

Well in truth there's no right and wrong answer. If you have a rigid trading system which produces consistent profits whatever the currency pair, then you may want to open a window for each pair, ideally on a multiple monitor set-up, so you can watch for your entry criteria to be met for any of these pairs.
So for example, let's say your trading criteria is a MACD crossover, a Supertrend change of colour, and RSI in overbought/oversold territory.
In this instance, you would simply create graphs containing this data for every major currency pair, and wait for a suitable entry for any of them.
That's one approach. Another approach, and one favoured by myself, is to only concentrate on the major pairs. This is because they are the most traded, and therefore charting patterns and technical indicators are generally more reliable and tradeable.
Another reason why I take this approach is because these pairs have the tightest spreads. This is extremely important because you really don't want to be trading pairs that have wide spreads simply because it limits your profits more and puts added pressure on you to make correct calls.
Over time these wider spreads can really eat into your profits, so I generally stick to three of the four major currency pairs - GBP/USD, EUR/USD and USD/JPY (USD/CHF is the other but that has a spread of 4 points with the broker I use).
I can easily watch these three pairs at once and watch for any entry points, but if you're just starting out, another approach could be to just concentrate on one pair. You will find that although most pairs follow technical indicators very well, each pair has it's own personality and so by concentrating on just one pair, and learning how it behaves, you may find this is the most profitable approach to take.
Another factor is your location and the time at which you are available to trade. For example, the GBP/USD is most active between around 8.00 GMT and 20.00 GMT, so if you're based in Australia, for example, you would miss most of the action if you wanted to trade in the daytime where you are.
So to conclude, there aren't really any best currencies to trade, each pair is potentially very profitable. However, the major pairs generally have the tightest spreads and are the most actively traded, and generally conform very well to technical analysis, so these are the currencies I would recommend trading fxyahoo.com

Guide to open Swiss Bank account online

For Opening an Account the Common Account Types are :
•Personal (CHF or Euro): for day-to-day transactions, salary payments, etc. Offers low interest rate
•Saving (CHF or Euro): Offers higher interest rates, but limited withdrawals versus Personal account
•Foreign currency : May be opened in any currency. Usually gives no interest
•Investment / equity account: Out of the scope of this Guide, for now. Will come in the future
Typical Account Costs for Swiss Bank account
Typical costs / account will usually vary from CHF 0 to CHF 100 / year.  Costs usually depend on average balance you hold with the bank and the number of transactions you make.

How to Open an Account - It's simpler than what most people imagine, and here's how it's done:

1. Ensure you have these documents
•Formal ID (Passport)
2. With the above docs, go into any Bank branch, to physically sign a document.
3. Your account is active immediately.

FAQ

1. Do I need a Swiss work permit to open a basic account?
     No, as long as you have an Employment contract.
2. Are there special requirements for US citizens when opening Swiss accounts?
     Some banks may apply particular conditions to US citizens or green card holders.
3. What about 'joint account' for me and my partner ?
     Same requirements as above + both partners need to be physically present to sign the account opening

Open personal account in Euro or CHF

For Opening an Account the Common Account Types are :
•Personal (CHF or Euro): for day-to-day transactions, salary payments, etc. Offers low interest rate
•Saving (CHF or Euro): Offers higher interest rates, but limited withdrawals versus Personal account
•Foreign currency : May be opened in any currency. Usually gives no interest
•Investment / equity account: Out of the scope of this Guide, for now. Will come in the future
Typical Account Costs for Swiss Bank account
Typical costs / account will usually vary from CHF 0 to CHF 100 / year.  Costs usually depend on average balance you hold with the bank and the number of transactions you make.

How to Open an Account - It's simpler than what most people imagine, and here's how it's done:

1. Ensure you have these documents
•Formal ID (Passport)
2. With the above docs, go into any Bank branch, to physically sign a document.
3. Your account is active immediately.

FAQ

1. Do I need a Swiss work permit to open a basic account?
     No, as long as you have an Employment contract.
2. Are there special requirements for US citizens when opening Swiss accounts?
     Some banks may apply particular conditions to US citizens or green card holders.
3. What about 'joint account' for me and my partner ?
     Same requirements as above + both partners need to be physically present to sign the account opening

Offshore Banking Advisor

Offshore banks usually offer the same type of services as domestic banks.

With use of the internet offshore banks offer the same quality of service that you can expect from domestic banks.

Offshore banking services can include deposits, wire transfers, letters of credit, wealth management, certificates of deposit, and other services.

Most offshore bank accounts will include a debit card that can be used at ATM machines all around the world.

Finally, offshore banks can vary from being very basic banks focused on only a few banking services or there are ones that offer a very wide array of banking services.

For more information on Overseas Bank Account, visit http://www.offshorebankingadvisor.com/ – it’s a website offering tips and information on offshore banking and investing. There is a guide to open Bank account for non residents published free for its visitors.

Offshore bank accounts, corporate and personal

Offshore bank accounts, corporate and personal, kept at an offshore bank, allow you to keep the availability of your money, with discretion and confidentiality

In this way, if you live in a country with monetary and fiscal controls or with stringent divorce legislation, you can be sure that nobody can seize your money.

 

Offshore bankers advisors can help you open offshore bank accounts and to get credit cards very fast.

 

The offshore checking accounts opened are endowed with an Internet banking service.

 

The following documents are required to open a personal offshore bank account at an offshore bank:

• Copy authenticated of the passport (of the pages with photo and signature)
• Copy of a second ID document. (U.S. and Canadian citizens are required to submit an authenticated copy of their driver's license).
• Letter of bank references
• Account statement of your bank account or a utility bill (water, electricity, gas or telephone) showing your home address

The following documents are required to open a corporate offshore bank account at an offshore bank:

• Authenticated copy of the incorporation act
• Authenticated copy of the certificate of the Chamber of Commerce
• Declaration of the type of shares (bearer or nominal)
• Board resolution that authorizes the opening of the bank account and gives power to a person to operate and to manage the account
• Description, undersigned by the directors, of the nature of the business 
• Copy authenticated of the passport or of other ID document of all directors and the undersigned.
• U.S. and Canadian citizens are required to submit an authenticated copy of their driver's license
• Account statement of the personal bank account or a utility bill (water, electricity, gas or telephone) showing the home address of the directors and of the undersigned 
• Letter of personal bank references of all the directors and the person authorized to on the bank account

If you need further information on offshore bank accounts, offshore checking accounts, saving accounts, offshore banks, check website offshore banking advisors

Best Places to Retire 2011

By Beth Braverman and Sarah Max
The single most effective move in making your retirement stash go further is, well, a move. "There's nothing more powerful than relocating from a high-cost-of-living area to a low-cost one," says Baltimore financial planner Tim Maurer.
If "low cost of living" conjures up visions of some bleak backwater, think again. MONEY combed its Best Places to Live database to find affordable cities and towns that offer lots to do, both inside and out. Places that are safe, with violent-crime rates below the national average. Where there's good medical care close at hand. And where at least 30% of the population is over the age of 50, so you'll have no shortage of golf or bridge partners.
The ten places you'll read about in the story that follows offer all that — plus they're exceptionally kind to your wallet. Their cost-of-living indexes range from 87 to 97, meaning that as little as 87 cents buys residents what a dollar would buy the average American. Homes are affordable, with median prices below the $173,100 national median (some well below). And tax rates are reasonable, with either no state income tax or significant exemptions for retirees. Could one of these places be your new home?
Footnote: The nation's average cost of living index is 100; the lower a place's number, the less expensive it is. Median home price is for 2010. Source: OnBoard Informatics.
Marquette, Mich.

Photo: Dave Lauridsen

Population: 21,400
% over 50: 30%
Median home price: $145,000
Top state income tax: 4.35% (*Social Security and some pension income exempt)
Cost of living (as % of national median): 95%
As lovely as it sounds to sip margaritas on the beach, doing it year round can get old. This picturesque town on Michigan's Upper Peninsula offers outdoor fun for all seasons. With an average of 141 inches of snow a year, there's plenty of the white stuff for cross-country skiing and other winter sports. And when things warm up, you can grab a kayak and start paddling on Lake Superior.
And when outdoor activities grow tiresome, retirees can take advantage of a wealth of offerings at Northern Michigan University, in town. People 62 or older can attend classes free, and the affiliated Northern Center for Lifelong Learning offers low-cost diversions, from bird watching to dinner clubs.
If all that excitement causes heart palpitations, you're in the right place: Thomson Reuters ranks Marquette General Health System among the nation's top 50 cardiovascular hospitals.
Cape Coral, Fla.

Courtesy: Tarpon Point Marina

Population: 154,300
% over 50: 38%
Median home price: $95,000
Top state income tax: None
Cost of living (as % of national median): 96%
For retirees who are looking for lower taxes, cheap housing and a gentle climate, Cape Coral scores on all fronts. Home prices here, for example, have fallen more than 60% since the 2006 peak. For homebuyers, that means a lot of bang for the buck: A newly renovated three-bedroom, 1,800-square-foot house with a pool was recently bought here for $145,000.
Lots of Florida towns have seen dramatic price drops, of course, but Cape Coral has something else going for it: It's paradise for water lovers. The town is sliced with 400 miles of canals, half of which have access to the Gulf of Mexico, about 20 minutes away by boat.
This quiet place doesn't offer much nightlife. But there's a public golf course, a weekly farmers' market with live music, and a nearby outlet mall. Training camps for the Boston Red Sox and Minnesota Twins are just 15 minutes away.
Boise, Idaho

Photo: David R. Frazier

Population: 205,600
% over 50: 30%
Median home price: $120,000
Top state income tax: 7.8% (*Social Security exempt)
Cost of living (as % of national median): 97%
If you're the type who can't survive without your symphony, art, and theater fix, you may have resigned yourself to staying in some pricey coastal burg during retirement. Take a look at Idaho's capital city instead.
Granted, Boise is no Manhattan. But its thriving cultural scene includes an opera company, a philharmonic orchestra, and a ballet. At Boise Art Museum, which focuses on contemporary American art, you'll see works by Ansel Adams and Chuck Close.
Catch shows at Boise State University's Morrison Center for the Performing Arts, which hosts not only classical events but also touring Broadway shows and such boomer draws as Merle Haggard and Kris Kristofferson. Or hit the annual Shakespeare Festival at the city's 770-seat outdoor amphitheater.
Residents also enjoy all the outdoor activities you might expect of a city that's flanked by mountains and bisected by a river full of fish — and that has a mild climate year round.
Another plus: Violent crime in Boise is little more than half the national average. That's a remarkable score for a city this size.
Danville, Ky.

Photo: Clay Jackson

Population: 16,200
% over 50: 37%
Median home price: $120,000
Top state income tax: 6% (*Social Security and up to $41,110 of retirement income exempt)
Cost of living (as % of national median): 93%
You can't stroll through this small town in horse country without feeling a strong connection to the past. A half-dozen different districts in Danville are listed on the National Register of Historic Places.
It was in Danville's Constitution Square that delegates assembled in 1792 to proclaim Kentucky the nation's 15th state. The original log post office — dating from that same year — still stands, as do many antebellum buildings. And there's plenty in the area to keep Civil War buffs happy, including nearby Perryville Battlefield, where Union and Confederate soldiers skirmished in 1862.
Expect plenty to do in the here and now, too. In the past 18 months, a new microbrewery and three new restaurants joined the art galleries and gift shops downtown. The Norton Center for the Performing Arts, at 190-year-old Centre College, offers many cultural events. In summer, Danville shows free outdoor movies each week; in fall it hosts an annual arts festival (with historic reenactments) that draws artists from all over the state.
Two more pluses: The area's regional medical center is right in town. And the urban amenities of Lexington and Louisville are a 40- and 90-minute drive away, respectively.
Weatherford, Texas

Photo: Megan Parks

Population: 25,200
% over 50: 31%
Median home price: $150,000
Top state income tax: None
Cost of living (as % of national median): 87%
As the Dallas/Fort Worth metro area expanded over the past couple of decades, many communities were overtaken by McMansions, shopping centers, and congestion. But Weatherford, 33 miles from Fort Worth, has maintained its own identity — which is all wrapped up with horses. Specifically, cutting horses, which herd cattle and perform in exhibitions.
Dozens of professional trainers can be found here; residents can catch horse-cutting events at the nearby Silverado Arena or saddle up and canter out on the 26-mile trail that winds through the countryside.
Those not into equine pursuits can enjoy the laidback vibe of Weatherford's charming downtown, which includes a recently restored courthouse and boutique shops. There's also boating and fishing in Lake Weatherford — though the severe drought conditions that have gripped much of the state this year have made such recreation difficult (and forced the town to impose limits on water usage).
Here you can live in a Victorian house — or on a sprawling ranch. The affordable wide-open spaces, plus the lack of state income tax, are a big draw for retirees.
Southaven, Miss.

Courtesy: City of Southaven

Population: 49,000
% over 50: 28%
Median home price: $145,000
Top state income tax: 5%
Cost of living (as % of national median): 88
This vibrant little city is a suburb of Memphis, but since it's located on the Mississippi side of the state line it offers some unique tax perks: For homeowners 65 or older, the first $75,000 of a primary home's market value is exempt from property taxes. Not bad, considering you can find a great rambler for less than $150,000. Meanwhile, qualified retirement income and Social Security income is exempt from state taxes.
But Southaven is more than just a tax haven. It's also a regional hub for medical care, thanks to its state-of-the-art, 339-bed Baptist Memorial Hospital-DeSoto.
Of course, a town can't be located that close to Memphis without offering something for music lovers. Southaven's DeSoto Civic Center and Snowden Grove Amphitheatre are a destination for big-time music and entertainment acts. If that isn't enough then it's always an easy drive to the blues clubs on Beale Street or the northern tip of the famous Mississippi Blues Trail.
Clarksville, Tenn.

Courtesy: Clarksville-Montgomery County EDC

Population: 132,900
% over 50: 22%
Median home price: $136,000
Top state income tax: None (*Salaries, wages, Social Security, IRAs and pension income are not taxed. However, a 6% tax is levied on stock dividends and interest from bonds and other obligations.)
Cost of living index (as % of national median): 88
This charming city near the Kentucky border boasts many grand 19th-century homes and historic buildings, but it isn't stuck in the past. Clarksville's three-year-old, 270-bed Gateway Medical Center offers cutting-edge specialty care in dozens of practice areas, from cardiology to oncology.
Home to Austin Peay State University, the city has a thriving arts scene, both on and off campus. Outdoor enthusiasts can cruise the Cumberland River or explore more than a dozen walking trails and state parks.
Small cities with so much to offer usually come at a premium. Yet retirees looking to downsize will be pleasantly surprised by the region's low cost of living. Spacious new brick homes here sell for less than $150,000. Plus, there are no state taxes levied on Social Security, salaries, wages, IRAs, or pension income.
Broken Arrow, Okla.

Courtesy: Lake Charles Convention & Visitors Bureau

Population: 98,900
% over 50: 26%
Median home price: $145,000
Top state income tax: 5.5%
Cost of living index (as % of national median): 88
This Tulsa suburb is far from a sleepy bedroom community.
In the past few years alone, Broken Arrow has seen some notable new developments, including the opening of a 20,000-square-foot YMCA with many programs geared toward active older adults; an impressive performing arts center that raises its curtain for everything from the local orchestra to Broadway tours; and a 68-bed hospital within the highly acclaimed St. John Health System. A half a dozen golf courses, miles of bike and walking paths, two community centers, and civic groups galore add to the attraction.
And with updated one-story homes starting in the low $100,000s, you'd be paying about half what you would to move to some comparable communities.
Lake Charles, La.

Courtesy: TravelOK.com

Population: 72,000
% over 50: 34%
Median home price: $124,000
Top state income tax: 6%
Cost of living index (as % of national median): 91
Leisure time in Lake Charles largely revolves around its eponymous lake, which boasts a sandy beach and waterfront promenade. Throughout the year, the lake is the backdrop for boat parades, firework displays, and festivals celebrating everything from Cajun culture to pirate lore. (The city hosts more than 75 festivals each year.)
Lake Charles is also a regional hub for retailers, academia, medical care and the arts. McNeese State University's "leisure learning" program offers classes and lectures in everything from cooking dim sum to writing short stories. The university's new $16 million Shearman Fine Arts Building, meanwhile, is a notable addition to Lake Charles' robust performing arts community, which includes a symphony, civic ballet, and children's theater company, to name a few.
What's not to like? The city is 30 miles upriver from the Gulf of Mexico, making it vulnerable to hurricanes and floods.
Winston-Salem, N.C.

Courtesy: VisitWinstonSalem/Wachovia

Population: 229,600
% over 50: 34%
Median home price: $133,000
Top state income tax: 7.75%
Cost of living index (as % of national median): 91
Winston-Salem may be known for its close ties to the tobacco industry, but over the past decade the high-tech sector has helped breathe new life into this central North Carolina city.
For retirees, this economic renaissance has translated into a cultural renaissance, complete with a bustling downtown art district, live music events several nights a week, and an internationally recognized film festival.
Winston-Salem has a longstanding tradition supporting the arts. Its symphony, founded in 1947, is the oldest in the state; its arts council was the first in the nation; and the University of North Carolina School of the Arts is among one of the most prestigious in the country.
http://finance.yahoo.com/retirement/article/113505/best-places-retire-2011-cnnmoney

What is a Limited Liability Companies (LLC's) ?

Limited Liability Companies (LLC's)
Concept, Similarities and Advantages

CONCEPT

A US Limited Liability Company LLC is a hybrid business entity which allows a person or persons to operate their business without putting at risk their personal assets through limiting their liability, without the complexity of the commonly used corporation. The corporation is a company limited by shares, while an LLC does not issue shares and its owners are referred to as members.

In 1874 the state of Pennsylvania enacted a law which authorized the formation of the limited partnership association and is considered to be the forerunner to the Limited Liability Company (LLC), and bears a striking resemblance to it in law. The Limited Liability Company Law was first enacted in Wyoming in 1977 and now all 50 states of the US have similar legislation.

The US Internal Revenue Service (IRS) was unsure at that time whether to treat an LLC like a partnership or a corporation (company limited by shares) for tax purposes. This uncertainty made the business community nervous and the business form was not widely used. In 1988 the IRS finally ruled that a Limited Liability Company (LLC) formed under the Wyoming Statute was eligible for pass-through tax status, in other words, treated like a partnership under the Tax Code. The LLC became popular as a business form which was taxed like a partnership, while allowing personal liability protection similar to a corporation (company limited by shares). After the Wyoming Act of 1977 and the IRS ruling in 1988, the LLC became universally accepted and every state within the union now have legislation enabling this form of business organization.

While each state provides for the formation of a Limited Liability Company, there are differences in minor aspects of the law from state to state; however the fundamental concept is the same.

• The LLC is formed by filing Articles of Organization with the state secretary of State.
• An LLC does not have shares. The owners are therefore not shareholders but members.
• The LLC can be formed with one member.
• Members are not liable for the debts of the entity.
• There is no tax liability on the LLC unless the members clearly choose to be taxed like a corporation (company limited by shares).
• Non-resident aliens may be members of an LLC which has it referred to as an "offshore LLC".

BUSINESS ENTITY OPTIONS

In the United States, there are various forms of business entities. Depending on which form is chosen, your tax and ownership considerations change.
The common forms of business entities are:

• Sole Proprietor
• Partnership (General or Limited Partnerships)
• Corporations ("C" Corporations and "S" Corporations)
• Limited Liability Company (LLC)

SOLE PROPRIETOR

A sole proprietor is the entity in which a person opens a business alone without incorporation or any agreement with others. No forms or filing is required and the tax liability is the sole responsibility of the owner on an individual basis. Any debt or other liability is totally the responsibility of the proprietor and to the extent of all his personal and business assets.

GENERAL PARTNERSHIP

A General Partnership is formed when two or more persons get together to conduct a business or trade. A verbal agreement between the partners is enough; however, a written agreement is encouraged. There are no filing or registration requirements. Each partner is taxed on his share of the profits as distributed by the partnership and treated as personal income.

The downside to this business entity is that partnership debt and other liabilities are the responsibility of the partners and extend to their personal assets.

LIMITED PARTNERSHIP

A Limited Partnership is very similar to the General Partnership, however, the Limited partners are not liable for partnership debt and only their investment is at risk. In the Limited Partnership, there must be a general partner who has total management responsibility. If the limited partner gets involved in management, they risk losing their liability protection. The Limited Partnership is required to file a document with the Secretary-of-State and the partnership is governed by a Limited partnership Agreement.

Taxation is on a personal income basis (flow-through taxation) and the partnership is limited to 35 members.

CORPORATION

A corporation is limited by shares, therefore carries with it protection for its stockholders and the corporation pays taxes. The corporation pays taxes on its earnings and the owners pay taxes on the distribution of profits, after tax (dividends), which makes it a double taxation entity. The corporation is formed by filing Articles of incorporation with the Secretary-of-State and the control of the corporation is the responsibility of the Board of Directors, scrupulous records and accounts must be kept.

The subchapter "S" Corporation is a variation of the "C" Corporation and under a different IRS Tax Code. The "S" Corporation is allowed the flow-through taxation treatment similar to that of a partnership and sole proprietorship. Double taxation is avoided by its owners/shareholders. The limitations however are that:

• Ownership is limited to 75 stockholders.
• Owners cannot be corporations, partnerships, pension plans, charitable organizations, certain trust.
• Non-resident aliens cannot be shareholders.

To maintain subchapter "S" Corporation status and therefore flow-through taxation status, there is a requirement for strict compliance with stringent rules.

LIMITED LIABILITY COMPANY (LLC)

The Limited Liability Company (LLC) is a hybrid with similarities and differences with the other business forms:

• It is a separate legal entity like a corporation
• It does not have shareholders, but rather it has members.
• Its members are protected with Limited Liability. Their personal liability is limited to the amount invested in the LLC
• For USA incorporation the members can be physical persons or entities, including corporations, partnerships, trusts etc.
• Non-residents can be a member of the LLC. ("Offshore LLC's")
• It is taxed like a partnership which has the benefit of flow-through taxation.
• Can be formed with any amount of members.
• An LLC does not pay taxes; its resident members are tax liable as personal income similar to a partnership. Non-resident members are liable for taxes on income derived from the US.
• Foreign members are not liable to tax and don't have to file tax forms if the income derived is not from the United States.
• The only document required to register your company, (company formation), with the local Secretary-of-State is the Articles of Organization.
• An LLC has a limited life span.

A US organized Limited Liability Company is a good vehicle for persons who conduct international business and wish to minimize their tax liability which is why they may be referred to as offshore LLCs.

The US Limited Liability Company allows Non-US resident full ownership and these members are not required to file any tax returns once the income of their LLC is not derived from the United States and it is not effectively connected with trade or business within the United States nor do they employ US residents or rely on a dedicated place of business within the United States. This does not apply to an office which is infrequently used.

A US LLC can be used in the same way an offshore business company registered in a Tax Haven may be used if you do not plan to trade with the United States.

Open your US account now!!

Many US non-residents are incorporating companies in the United States, some of which are operating within the country, others of which are operating entirely outside. With the proliferation of the Internet, many non-US citizens are incorporating US companies to own their web sites even though they have no tangible connection with the US other than the registration of their company.

In general, there are no citizenship or residency requirements to incorporating a company in the US. However. there are several factors that should be considered.

Most states will not require disclosure of Director information at the time of formation but almost all will ask for this information at the time of filing the next year's Annual Report. Please ask about our Nominee Services if appropriate.

PASS-THROUGH TAXATION
For many people, pass through taxation, or the ability to have their entity treated as a non-tax-paying (transparent) entity is important. For US non-residents, use of an S Corporation is not possible because one of the requirements of becoming an S Corporation is that all shareholders must be US residents. This objective can be achieved by incorporating a Limited Liability Company (LLC) instead of a corporation. (See Corporation v LLC from the home page.)

TAXED AS PARTNERSHIP OR CORPORATION
The LLC can, with the filing of it's Application for Employer Identification Number (Tax ID), elect to be taxed as either a partnership or a corporation. This election, with certain restraints, may be changed in subsequent years.

FILING A US RETURN
For a corporation formed in the US, there is an absolute requirement that it file a US tax return regardless of whether there is US income. In contrast, the LLC is taxed as a partnership and the partners (principals) must file and pay individual US taxes only if they operate a trade or business in the US or if they have US-source (effectively-connected) income.

MIXED US AND NON-US SOURCE INCOME
In this situation, it will usually also be more advantageous to form a Limited Liability Company instead of a corporation. With a US corporation, it is taxable on its global income whereas the LLC will be taxed as discussed above.

WHERE TO FORM YOUR COMPANY
In the US, you can create your company in any state you choose. If you plan to have an office in the US, it may be cost-effective to form your company in that state. The majority of US non-residents without a strong reason to form in any given jurisdiction choose Delaware or Nevada because of their business-friendly environment and easy compliance requirements.

WHAT'S MY ADDRESS?
Every state will require a Registered Agent/Registered Office with an address in that state for receipt of service of process or other official communications. This is not your business address or mailing address which can generally be anywhere you wish. We do howevre offer both services - see below. Please remember NOT to use your RA/RO address for anything other than official purposes as described above.

What is a Limited Liability Company?
The LLC is a distinct business entity. An LLC offers an alternative to partnerships and corporations by combining the corporate advantages of limited liability with the partnership advantage of pass-through taxation.

Limited Liability Companies are a relatively new business form in the United States, though they have a long-standing history in europe. LLCs were first formed in the United States in 1977, and were granted pass-thru tax status by the Internal Revenue Service in 1988.

As a result, LLCs can elect to be taxed like partnerships, only at the individual level when profits are paid as dividends. This yields a considerable advantage over C corporations, which are subject to double-taxation - once at the corporate level, and again at the individual level when profits are paid as dividends to the shareholders.

Similar to corporations, LLCs shield personal assets from business debt. Note, however, that LLCs have a limited life of about 30 years, depending on the state and do not have stock (and thus do not get the benefit of stock ownership and sales). Currently all 50 states recognize the LLC business form.

How many people are needed to form an LLC?
As of January 1st, 1999 only two states require two members. These states are: The District of Columbia and Massachusetts.

What is the organisational structure of an LLC?
An LLC is owned by its members. An LLC may be managed by its members (owners) or by selected a manager.

If an LLC is managed by its members, it operates similar to a partnership. Each member has an equal say in the management of the LLC.

If the members choose, they may elect a manager to act in a capacity similar to a corporation's board of the affairs of the LLC.

Member management, however is the normal default rule of state law.

How is the ownership of an LLC evidenced?
An LLC issues certificates indicating the particular holder's percentage of ownership in the business. These membership certificates are included in our corporate kit

What are the advantages of an LLC?
LLCs offer numerous advantages:

Limited Liability: For the members of an LLC, liability is limited to the amount of capital which the member has invested in the LLC. Therefore, members of an LLC are offered the same liability protection as a corporation's shareholders.
Pass-Through Taxation: LLC's allow for pass-through taxation. That is, the earnings of an LLC are only taxed once.
Flexible Management Structure and Flexible Ownership: LLC's are generally free to establish any organisational structure agreed on by its members.
What is a registered agent?
A registered agent provides a registered address for the receipt of service of legal papers and as a local contact for the Secretary of State and other government agencies. The registered agent receives notice of any suits, tax notices, etc. and then forwards them to the LLC.

It is possible for you to act as your own registered agent as long as your registered address is within the state that you are forming the LLC in.

How do I get started?
Upon receiving your completed order, will immediately file the Articles of Organization with the state government.

After your Articles are filed, your LLC should have an organisational meeting where an operating agreement is adopted. We will provide you with the proper Operating Agreement template. Member certificates can be distributed to members and these transactions should be recorded in the LLC ledger. All of this information can be maintained in a limited liability company record book, which is included in the corporate kit that we provide you with our Full or International plan.
 

Non-Residents of the USA

Non-Residents of the USA   Non-Residents of the USA should report to the Payroll office to complete tax withholding forms.   An NRA Information form should be completed by the employees and evaluated by PEB to determine non-resident eligibility for tax purposes. Your passport and visa information is required. A permanent social security number is required before selecting exemption from US taxes due to Treaty exemption with your home country. For additional information, refer to the IRS web site http://www.irs.gov/ You may find the following publications of interest.  Publication 515 - Withholding of Tax on Nonresident Aliens and Foreign Entities  Publication 519 – U.S. Tax Guide for Aliens.  Non-Resident employees with non-taxable income will receive a Form 1042S.  Taxable income will be reported on Form W2.   ATM Debit CArds.

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Latest offshore card solution – a no-name offshore Visa Electron pre-paid debit card denominated in EUR issued by a stable Cyprus based bank (FBME).




These cards have the 3 digit CVC code on the back activated so that they can be used like a credit card for internet and mail/telephone order transactions. They are accepted at all merchants anywhere Visa is accepted worldwide so long as the merchant processes their cards electronically which is now almost universal. The card is accepted at all ATMs with the Plus and/or Visa logo and has a EUR 3,000 (USD 4,050) daily cash withdrawal maximum. The POS daily maximum is the same as well, however it is possible to do a single transaction up to the daily EUR 3000 (USD 4050) limit in this way.



Each card can be loaded with a maximum of EUR 80,000 (USD 108,000) per annum and this amount can be loaded in its entirety upon activation if desired. Two cards are allowed per cardholder. Card fees are as follows: ATM cash withdrawal fee: EUR 3.80, POS transaction fee EUR 1.50, monthly fee EUR 3.80, load fee EUR 2.65 (+ 1% by wire transfer, + 3% by cheque, + 6.5% by Western Union or Moneygram, other e-payment and e-currency load options to be announced shortly).



The card cost is EUR 95 (USD 128) and additional cards cost EUR 50 (USD 67). Shipping can be by international postal mail which is free but can take quite a few weeks so we strongly recommend paying extra for courier delivery which is EUR 30 (USD 40). You will also need to send EUR 100 (USD 135) per card as an initial card load as the bank will not activate a card account without a minimum deposit just like a regular bank account cannot be opened without an initial deposit. These cards are like separate numbered bank accounts and transfers can be made from card-to-card.



After order you will have to return signed application original and identity document copies - simple copy of passport and other document showing your address such as utility bill, bank statement, driver licence etc. If you don’t have a passport a driver licence or government identity document will suffice along with utility bill or other document showing your address.

Dollar rises; franc falls on move to cap value USD CHF SNB INTERVENTION

On Tuesday September 6, 2011, 7:16 pm

NEW YORK (AP) -- The U.S. dollar rose against the Swiss franc Tuesday after Switzerland's central bank took the unusual step of putting a cap on the value of its currency. The dollar also rose against the euro, pound and yen.
The Swiss franc, considered a safe-haven currency by investors, had risen sharply against the dollar and euro this year as fears of slowing growth hit global markets.
The Swiss National Bank said it will spend whatever it takes to keep the franc from rising above 1.20 francs per euro. A strong franc made exports and traveling to the country more expensive. The central bank said it needed to do something to cut the currency's value in order to avoid a recession.
In late trading Tuesday, the dollar jumped to 0.8615 Swiss franc, its highest point since May 27. It was worth 0.7861 Swiss franc late Monday.
The euro fell to $1.3991 from $1.4091. It was the first time the euro has fallen below $1.40 since July 13.
Kathy Lien, director of currency research at GFT, said the Swiss National Bank's actions could stabilize the currency for at least the next few months. However, Lien said in a research note, "as long as the eurozone continues to be mired in debt troubles, investors will still be tempted to park their money" in the Swiss franc.
The move from the Swiss National Bank comes just more than a month after the central bank cut the country's interest rate in an attempt to curb the franc's climb. A day later, Japan also intervened to curb the rise of the yen.
Like the franc, the Japanese yen is considered a safe-haven currency. Traders consider the Japanese yen "safe," despite Japan's troubled economy, because Japanese investors hold much of the country's massive public debt. That lessens the risk of a financing crisis. Meanwhile, Switzerland has acted as a European haven for investors wary of the euro and the debt loads of countries in the 17-nation euro bloc.
The dollar, the other safe-haven currency, is the world's reserve currency, and the U.S. is the world's largest economy. But the dollar's appeal has dimmed on concerns about slow growth and the country's ability to cut its deficit in the long term.
In other trading Tuesday, the British pound fell to $1.5936 from $1.6098. The dollar rose to 77.67 Japanese yen from 76.83 Japanese yen. Meanwhile, the dollar fell to 99.01 Canadian cents from 99.11 Canadian cents.
http://finance.yahoo.com/news/Dollar-rises-franc-falls-on-apf-889946611.html?x=0&.v=9

Hibah Yousuf, On Tuesday September 6, 2011, 2:18 pm EDT

The Swiss have had enough of taking the neutral stance.
To put a stop to the Swiss franc's rapid appreciation, the Swiss central bank announced a ceiling on the currency by setting an exchange rate minimum against the euro.
On Tuesday, the Swiss National Bank (SNB) made its boldest move yet by announcing that the exchange rate between the Swiss franc and the euro must not drop below 1.20 euros. And if it does, the Swiss bank is prepared to enforce the minimum by selling francs and buying up euros "in unlimited quantities."
"The current massive overvaluation of the Swiss franc poses an acute threat to the Swiss economy and carries the risk of a deflationary development," said the SNB in a statement.
Immediately following the announcement, the Swiss franc sank 8.5% to trade right around 1.20 euros.
"This is the most aggressive step the Swiss have taken in the history of the SNB to combat the Swiss franc's rise," said Kathy Lien, director of currency research at Global Forex Trading. "They're hoping this will diminish speculative interest and safe haven attraction to the currency."
Is the euro doomed?
Nervous investors have sought safety in the traditional safe haven asset. Since the start of the year, the Swiss franc has surged nearly 20% against the euro due to growing global economic uncertainty. Just last month, the franc strengthened enough to trade close to parity against the euro.
A strong franc makes Swiss goods less attractive to trading partners, and tourists -- a major source of income for Switzerland -- are less likely to visit.
The Swiss central bank has tried to step in to cool the rally by cutting interest rates, but to no avail.
Lien said the latest move should help stabilize the currency, but it could be an uphill battle.
"The reason the Swiss franc has been climbing so fast recently is because of the sovereign debt crisis in Europe," she said. "Europe is still very much in trouble, and if problems keep flaring up, investors will still be tempted to park their money in the Swiss franc."
That could make this commitment to stem the franc's value costly for the Swiss banks, which has about 150 billion euros in reserves to spend on intervention, Lien said.
The SNB took similar measures in March of 2009, when the Swiss franc rose as high as 1.45 euros, and the central bank spent 4 billion euros to stabilize the franc above 1.50 euros, said Lien.
View this article on CNNMoney

How to get credit cards and loans in Dubai

It is not easy to get the approval for a credit card in Dubai because the bank has to make sure that the credit card holder is reliable enough to pay the installments. While it definitely helps if you hold a good and well-paying job in Dubai or a top job in Abu Dhabi or in the UAE elsewhere, that alone does not always guarantee your application for credit will be accepted. While sophisticated methods of assessment have developed in the world's banking sectors, the UAE is perhaps in its developmental stages of perfecting a reliable credit assessment technique.




While banks in developed economies use credit rating agencies and credit bureaus for their assessments, banks in the UAE have relied on informal methods of checking such as salary transfer letters or internal blacklists.

The UAE Central Bank runs a risk bureau, to which banks are required to report cases of loan defaults.



Credit bureaus and credit rating agencies are vital for the banking sector but unfortunately a credit rating agency is not available yet while only a relatively new credit bureau has been established in the UAE.

Lloyds TSB Offshore Offshore Internet Bank account in Dubai

Lloyds TSB Bank has been in Dubai since 1977. They are a branch of Lloyds based in the UK, and are a part of one of the most successful and largest banking groups the world over. This is a trusted bank with a solid foundation and strength.

Lloyds TSB Middle East is a branch of Lloyds TSB Bank plc, which is a member of Lloyds Banking Group
Lloyds TSB offshore internet banking offers convenient ways to:
- View your statements
- Transfer money to other banks or accounts
- Check your balances and transactions
- Pay bills online
When you register with Lloyds TSB offshore bank, it will be secure and take just a few minutes to complete. You will:
- Complete the online application
- Verify your signature by completing the Lloyds TSB Dubai Application and return it to their branch.
- Download it online.
- Use the form sent to you as part of the application package.
- Visit the bank yourself.
Once the signed documents are received, you will be sent your activated member ID.
Some precautions to take to keep your bank account secure:
- Do not write down or store your internet banking password or important information about your account on your computer.
- Do not give your password or other information on your internet bank account. The bank will never contact you for this information, so anyone who asks for it is up to no good.
- If you think your password has been accessed by someone you need to change the password immediately.
- Use a 6 to 15 character password and change it at regular intervals. Use a mix of letters and numbers that you can memorize without writing them down. Avoid passwords that would be easy for others to guess.
- Do not access your offshore internet bank account on a public computer where others may be able to access your password.
- Do not change your password on a public computer.
- If you must access your account on a public computer, make sure there is nobody watching you type in your information.
- This way you will be able to see any suspicious transactions.
- Make sure the first characters of the web address in your address bar is changed from http to https- the S means secure.
- Look for a small padlock icon, in the locked position, at the bottom right side of your screen. This means a secure site.
- Make sure you always log off of your account when you are finished and close your browser.
If you follow the above guidelines you will cut down the threat of identity theft, and breathe easier about your internet banking accounts. As long as you check your accounts often and remain diligent you should be able to steer clear of internet fraud.

http://www.lloydstsb.ae/lloyds-tsb-dubai.html

Advantages of Offshore Banking accounts?

If you are looking for:
- Offshore services
- An offshore company
- Offshore banking
- Offshore trusts
- Offshore investing
You need to look into internet offshore banking.
Offshore banking or offshore bank refer to the many investment and banking institutions available in other countries and jurisdictions other than where the depositor lives. The term offshore bank is for those banks located in low-regulation, or low-taxation jurisdictions.
While you may find a few internet offshore banks that are unscrupulous. For the most part these banks are sophisticated and stable with regulations tailored toward the needs of their clients. Many of these jurisdictions depend on foreign capital held in their banks as a primary economic factor.
One of the benefits of having an offshore banking account is that they are located in tax havens that provide asset protection and confidentiality. These jurisdictions also allow a looser restrictive rules when it comes to the types of internet offshore accounts available. Offshore banking will usually allow a reduction in tax regulations.
You will need to be sure the proper jurisdiction is selected for your personal and business needs. Each depositor will have different needs when it comes to offshore accounts. If you do your homework, it will be apparent that some unscrupulous banks would not be right for you and your business dealings. Anyone who knows anything about offshore banks, already knows that banks can safeguard their money from civil, economic or political strife. They are also confident that an offshore banking account will be an effective haven for assets and funds to be safe, secure, and kept confidential.
Internet offshore banking will also allow you to check your transactions and banking account balances online. This will also allow you to arrange for money transfers online. You will have the same privileges that you would with any regular internet banking site.
Not only are internet offshore banks a way to invest and protect your money, there are also plenty of exchange companies out there. These companies usually give better rates than the banks do. They offer different transfer systems and the speed of transfer is what you will mainly need to pay for. These methods are postal, bank to bank, telex, and telegraphic. Banks and exchange houses are usually in competition. Both are speedy, accurate and reliable, but the efficiency of a transaction also depends on the speed of the institution on the receiving or sending end.
Electronic transfer is undoubtedly the quickest method to send or receive money, though there will be delays if you are sending a currency that the other institution does not normally deal with. It is simpler and quicker to send money between banks that are affiliated. Many depositors have benefited from the safe, confidential, and the low taxation environment of an internet offshore banking account.

There are many offshore banks in many countries. It would be your choice as to which country you want to set up your offshore online banking account. In this article we will take a look at Latvian offshore online banking.
There are 22 banks in Latvia, you will need to choose whether you need the services of a big bank or a smaller bank that will offer a specialized service. Latvian banks offer:
- Multicurrency facilities
- Full-featured internet banking
- Maestro or VISA debit card
- Master Card and Visa credit cards
- Able to deposit funds via wire transfer, check or cash
- Customer service in English, German, Latvian, and Russian
- All banking information is protected by Latvian law
Opening a Latvian Bank Account:
- Find a bank that offers the features you desire
- It would be best to hire an agent- costs between $100 and $200 US. The agent knows about the banks in Latvia and will help you with your needs
- You will need to either visit or open an account by mail
To manage your account online:
- Client-Bank software allows communication with the bank by secure modem connection.
- You will be given a user ID and password that will allow you to access your account.
- Code tables will be allow you to use a different password each time you use Fax to contact the bank.
- You will be offered the list of credit cards, debit cards and ATM cards.
To open an account you will need:
- A notarized copy of your valid driver’s license.
- Your signature on the Specimen Signature Card.
- A street address where your papers on your account will be delivered by courier.
- Certificate of Registration of your company.
- Memorandum, articles, by-laws from your company.
- Power of Attorney.
Each bank has it’s own regulations, in some of the banks the passport copy does not need to be certified but the signature card does. Certification is by notary, Latvian embassy, bank solicitor or government official. Latvian bank privacy policy for offshore online banking says, information and transactions will never be disclosed to anyone other than the corporate owners or appropriate officials of the corporation. Criminal proceedings will be brought against any person who has disclosed information on the accounts and financial services of customers.
There is a difference between Latvian and Swiss banking secrecy, however, in both countries at least one person in the bank should know the identity of the customer for authorization purposes. Both countries have due diligence requirements and anti money laundering laws. Both countries are able to open Numbered accounts, where a number replaces your name on all accounts.

Offshore Banking account In Dubai

Offshore banking in Dubai, is allowed as long as you hold a residence visa. Once you have opened a bank account in Dubai, you can import and export funds. You will not need to declare currency when entering the territories, so you will be able to move funds in any form you choose.
International bank transfers are an area where these banks are expert. Outflow of money has been very lucrative in Dubai for quite some time. There have been quite a few clients who move into the region and export most of their earnings to their home country. Many people have opened bank accounts to get out of paying taxes in their own country.
As well as offshore banks, there are many exchange companies in Dubai. These companies are owned by major trading families who have a great deal of experience in the business and have better rates than the offshore banks. Several transfer systems are available, including, telex, postal, bank to bank, telegraphic, and SWIFT. Exchange houses and banks are very competitive, accurate, speedy and reliable. The result of the transaction depends a great deal on the institution on the receiving end. The fastest method of transfer is normally electronic transfer. Delays can occur if you are sending a different currency than the recipient bank deals with as there is normally a reduction or addition to the amount. It is more efficient to send funds between branches of the same bank .
If you plan on visiting Dubai, you probably should have a bit of local currency to cover your room and other smaller expenses. Currency exchanges are available at major airports, many are open 24 hours. You should not exchange money at your hotel, as the rates will be unfavorable.
There are no restrictions on sending or depositing of currency in and out of Dubai. You will be able to transfer money anywhere and in any currency. Many find it easy to use their own bank to transfer money to offshore banks, but there are plenty of institutions that will offer this service. Your best bet is to do a little homework and get the best deal. The main thing to look for is the best exchange rate and how much the commission charges will be. They may quote you a good rate but you will need to look at all of the charges put together and decide from there. You need to remember your bank will charge you a fee to transfer your money.
Offshore banking in Dubai offers Tax Haven Services, such as:
- Private Bank Accounts
- Asset Protection
- Portfolio Managers
- Wealth Management
- Asset Management
- Tax Consultation
- Personal Financial Strategies
- Account Managers
- Inheritance Planning
- Company Formation
These are some of the services offered by offshore banks in Dubai. You will need to check out the different offshore banks and exchange houses to see which of them will give you the best bank account package to fit your needs. You should always shop around so you are able to make an informed decision when it comes to your banking needs.

Tell Me About Offshore Stock Trading And Online Banking?

When you are thinking about offshore stock trading and online banking you might consider The Commonwealth of Dominica. Dominica offers one of the best tax havens, and offer offshore banking and asset protection in total secrecy. Dominica has some of the newest offshore legislation in the world and is more advanced than most other jurisdictions, technologically.
All offshore bank accounts will be opened in the name of your offshore company, with help from their law offices and Dominica’s new company formation process. Your International Business Company will be incorporated with the documents sent back to you by courier within a few days. You may have bearer shares with only one director of your company for incorporation.
You will also have your choice of offshore banks in 5 jurisdictions, including Dominica, for offshore stock trading and online banking. You will have internet access to your account from anywhere in the world. You will also receive free brokerage account documents as part of your account package.
Why should you choose an offshore stock trading, online banking, offshore company in Dominica? You will need only one director and one shareholder to get you registered as a company, director and shareholder can be the same person. A company secretary is not required by law. Bearer shares and non par value shares are allowed. There is no limitation to the value of Share Capitol and incorporation and annual fees are not dependant upon the Share Capital amount. The annual fee is due on the day the company was incorporated. Share capital can be in any currency, and the State guarantees tax exemption for a minimum of 20 years. Annual shareholder meetings can be held in any country in the world and there is no need to come to Dominica to incorporate your company or conduct business.
You should choose Offshore Company in Dominica because there are no taxation treaties with other countries so there is no need to exchange information with other tax authorities. You will be able to choose from a wide variety of names for your new company. Dominica offers the lowest prices on the market for IBC incorporations and offshore services. Significant discounts are available for clients who buy package services. You can incorporate online and pay online with Visa, Master Card, Discover or American Express; if you want to remain anonymous, you can pay by Western Union, Wire Transfer, or Money Gram. There is also an option to pay by wire transfer.
The process of incorporation with Dominica will not take more than 24 hours. Your company will be incorporated with the Government Agent with years of experience in offshore services. You will incorporate a company from the country of origin, there will be no middle man. This will save you money and make all of your business activities confidential. If you are serious about becoming incorporated in Dominica, you will be able to choose from many packages they offer for offshore stock trading and online banking.

Some Advice On Offshore Banking

I’m sure we have all heard about online offshore banking. You still pay your bills by mail and make deposits at your local bank. You may have shopped online for a loan or a home mortgage, but you still would rather do business face to face at a bank you trust.
With online banking you will still be dealing with your own bank, you are just taking advantage of the convenience of banking without leaving home. You will not have to write checks and send them through the mail. You can automate your bill paying and have more time to enjoy your life.
Banks have used computer networks to automate their transactions for years. As we know with our checking accounts, we receive a monthly statement instead of the canceled checks. This is a record of our transactions without the time consuming action and expense of getting all of the canceled checks together and sending them. Banks have taken that automation a step further by offering you an alternative to paper and postage.
Online offshore banking is becoming a popular alternative for those who have a great deal of money and are looking for a tax shelter. Secure internet shopping sites offer protection through a single password. This is not secure enough for online offshore banking. Online banking offers secure sites and the sending of information. Any information exchanged on an online offshore banking site, including your password-is encrypted. This makes it impossible for a third party to get or modify this information after it is sent.
Encryption, alone, will not safeguard against hackers gaining access to home PCs and obtaining your password. A user must be very careful not to give out their password or leave it laying around so that an unscrupulous party may be able to get their hands on. Most online offshore banks add another layer of security. The most widely used method is the use of transaction numbers, (TANs) that are used only once. Another way to add a bit of security, is to use two passwords which are entered at the beginning of every banking transactions, in a random pattern. European countries provides the customer with a unique token, a two factor authentication. Some banks offer digital certificates to authenticate the transactions. Many European banks offer online banking to pay a merchant directly from your account.
Many people steer clear of online offshore banking because they feel they would be too vulnerable to fraud. No security measure is completely safe, but the number of fraud cases is small. This could be because there are not a great deal of internet bankers. The truth is, the number of fraud cases in conventional banking are more widespread. A person who uses online banking must be diligent about not giving out passwords or information about their accounts. You need to be extra cautious when you are dealing with banks on the internet. The most widely known instance of internet fraud is called phishing. This is when an online banker is persuaded to give out their password to an unethical party.
One must really be cautious when using online banking, but it is much more convenient than regular banking methods.

Offshore Banking On The Internet

Offshore banking is generally accepted as using banks and financial services located outside of the jurisdiction of your country of residence. People choose to use offshore banking services for extra privacy, tax efficiency, or asset protection. Offshore Banking services also tend to be less regulated than domestic banks, depending on where one resides. They suffer fewer restrictions from governments because they are often located in countries where the laws are more lax.


Since these banks are less regulated and tend to be in different jurisdictions that tend to be easier on taxes, it’s obvious the financial benefit of moving assets offshore. These banks also offer confidentiality and privacy because they usually have no obligation to divulge information to any body of government or tax authority. It follow then that people cannot sue you for something they don’t know you have, thus offshore banks provide a good way of protecting assets. Some companies even provide anonymous account numbers so it becomes extremely difficult to locate assets.



Offshore banking on the internet was traditionally offered by the more innovative and forward thinking institutions, up until a few years ago. Smaller companies didn’t feel the need to move online, so they didn’t offer this service to their customers. As we know, the times change and the world is getting smaller every day. Online services are essential in the banking industry due to the availability of the technology. We want our financial information right now!

This service is even more crucial when we consider an offshore account. Who has time to wait for a letter from a bank in Belize or the Cayman Islands? That’s why we have the internet. Offshore banking on the internet has been growing rapidly and has provided many benefits to customers.



HSBC Offshore and Lloyds TSB were among the first to start using online banking services to meet the needs of their international customer base. It’s now become a standard service offered by offshore banking providers due to the realization that those who work sporadic schedules or live in different time zones who have to make several transactions or transactions in multiple currencies will need instant access to information and support that can only be afforded by internet banking.



As stated before the technology is currently changing and the world is getting smaller as time goes by. Information can be transferred across the world instantly and physically getting around doesn’t take that much longer anymore. This also means that things in this day and change are also changing at an accelerating pace. This can be seen not only in the business environment, but also in many areas of modern life. Things need to be constantly updated because nothing stays still. This is especially crucial in financial matters. Foreign exchange markets require instant data to make the best investment decisions. people who work in international business need this service too to remain competitive.

Thankfully offshore banking centers are improving to match their capabilities to those needs. The competition helps make it nice and cheap for the common folk.

Lloyds Offshore Banking Account

When you invest with Lloyds Offshore Private Banking, you will receive personal service from a dedicated relationship manager. Lloyds experienced investment team is based in the Channel Islands. This offshore bank uses a disciplined approach to ensure that their portfolios have a balanced selection of investments at all times.
Lloyds has an excellent network of accounts, and legal framework with an assortment of financial and legal advisors. With offices in Jersey and Guernsey, we operate from two of the leading offshore centers in the world.
The offshore banking services Lloyds offshore bank provides are of the highest levels of discretion. They have an understanding of a clients special banking needs and are committed to delivering the best in personal service. Lloyds also have offshore banks in the Channel Islands, and the Isle of Man, with offices in Dubai, Hong Kong, and Miami.
You will have the support of a professional team experienced in helping Lloyds offshore banking customers, make the most of financial opportunities available. With a Lloyds offshore banking account, you will be able to:
- View your banking and loan accounts.
- Join 98% of customers who say internet banking saves time.
- Pay bills online.
Banking online is a convenient way to check your balances and transactions, view your statements, and transfer money between accounts.
Lloyds offshore banking has employees who specialize in servicing the needs of private customers who are not residents of the UK, and who will benefit most from Lloyds offshore banking and investment services.
Lloyds offshore is also able to assist with financial service requirements of those who are residents in the Cannel Islands or the Isle of Man, but most services of their offshore bank do not apply to UK residents. If other international citizens who want access to one of the premier British bank, Lloyds offshore banking division is a great option to explore.
Each Lloyds offshore banking client is assigned an advisor who will get to know the customer and their needs. They will do everything possible to assure that their needs are carried out to the letter. This assures the highest quality of personalized customer service. Private banking is wonderful for customers who don’t have time or the inclination to manage investment assets or would rather have an expert guide their decisions.
Lloyds offshore banking also has a range of offshore funds including, gilt funds, income generating funds, money funds, money market accounts. The latter fall into categories, fixed term, and instant access, are two of the types of money market accounts available.
Finally, Lloyds offshore banking offers, expert financial services, and wealth and portfolio management. Lloyds offshore division has unlimited access to the service and advantages of the whole of Lloyds.
There are really so many reasons you should open a Lloyds offshore banking account. If you are thinking of opening an offshore account at all, make sure you include Lloyds offshore banks in your research. You will see Lloyds is among the finest offshore banks you will find.

What Are Offshore Banking Accounts?

Offshore Banking Accounts refer to opening an account in one of the many banking or investment institutions in another country or jurisdiction. Any bank can be considered an offshore bank if it is located in a low-regulation, low-taxation, haven, jurisdictions.
Since they began, offshore banks have had a bad reputation. They have been accused of being involved in everything from tax evasion, to money laundering. The careful examination of where illicit funds are really held shows the truth of the situation. Other false accusations about offshore banks are-unsafe environments and poor regulation are untrue. Most Offshore Bank account jurisdictions are very sophisticated, with stable banking regulations. It is in their best interest to attract depositors. The regulations are bent toward meeting the needs of a depositor.
One of the benefits of having an offshore banking account is the fact that they are usually located in tax havens that provide great asset protection and confidentiality to the bank holder. This often allows for relaxed restrictions with regard to the types of accounts available to depositors and investors, there is generally a decreased tax liability. Offshore banks can be located in actual island states like, the Caymans or Channel Islands, or landlocked countries such as Switzerland. It is not imperative that the land is surrounded by water.
There are still a number of misconceptions associated with offshore banking accounts, but as a would be offshore bank account owner, you will need to take many of these statements with a grain of salt. You should also do a bit of homework on any offshore bank you are thinking of opening an account in. Most offshore banking accounts offer a confidential and secure environments. While there are a few offshore jurisdictions that do a poor job of managing and regulating their banking institutions, if you are informed you will know these offshore banks are unsuitable for you.
Europeans have always been subject to heavy tax burdens. In the British Isles, as well as on the continent, they were faced with the burden of huge tax bills. The solution came when the small, island nation known as the Channel Islands convinced the European depositors that opening a banking account in their banks would make their deposits free from the heavy handed taxation. The European taxpayers agreed and soon the idea of offshore banking accounts became quite popular. Other jurisdictions became aware of this idea and they began changing their banking institutions, adopting banking rules and regulations that eased the concerns of investors and depositors. This was the start of the offshore bank.
Soon Offshore banking institutions were started in smaller, haven jurisdictions that offered safe, secure, practical and confidential banking regulations. Soon the rest of the world got the word and began looking into these havens as solutions to their banking needs. Unlike conventional banks, are not subjected to economic or political strife. In the past few years they have a greater use and more visibility, it has become widely known that offshore banks can be havens for funds and assets in need of secure, safe, confidential keeping.

What About Offshore Banking And Sector Statistics?

Sector listings give you an instant fix on a company in relation to the market and other members of comparable groups. At a glance you will see how the prospective growth rate compares with the market and the sector.
To the left of each table there are market-related statistics, with the exception of twelve month highs and lows which have been deleted to make space for more important statistics. To the right of the company names are the usual financial measures, such as 5 year EPS growth rate, prospective EPS growth rate, and prospective dividend yield.
Above the figures for each company, you will find the market average and market median with the sector weighted average and the sector median. The weighted average is the product of weighing each statistic by the market capitalization of the company. The median is the statistic in the middle of a table ranking of all the companies in the market or the sector by that same statistic. The sector weighted average and the sector median tell a different story.
Other columns are: Price to sales ratio, profit margin, and return on capital employed.
Growth companies usually have high profit margins and high returns on capital employed. Because of their high share prices, these companies are more open to takeover or a management change. A more open minded chief executive will work wonders with such companies. Shares that satisfy a stockholders investment needs are hard to find. Opportunities often depend on one statistic, which can be identified by a study of the sector listings. The sector listings for Merchant Banks, Insurance, Banks, Life Assurance, Property and Other financial Institutions have little room to spare when it comes to the sector listings.
In layman’s terms offshore banking sectors statistics means what it says. The ‘sector’ stands for financial sector, and the statistics are an explanation of the business the bank has done in the past- week, month, quarter, or year. You are able to access these statistics by contacting the bank of your choice. While they will not tell you who owns the accounts, taken out a loan, or has a stock portfolio, you will be able to view how much money the bank has worked with in the past. This should help you to see how successful a bank is.
Before you open an offshore banking account you should really do your homework to find out if that particular bank will give you the account package that is best for your needs. Will you be able to protect your money from litigation and taxes? Does it offer stock options for your corporation and does it offer you a way to incorporate as an offshore company? You will definitely need to sit down by yourself or with other members you plan on including in your corporation, and make a solid plan for the future of your corporation.
Most offshore banks will be able to help you with your needs. You will want to look for an offshore bank that will give you all of the options you want. Don’t settle for anything else, you can find an offshore bank to take care of all of your needs in one account package. Of course you will be paying the bank for these services but you will receive privacy second to none, and you will be assured that your money will be in safe hands.

How Can I Get In On Offshore Banking Investments?

Legislative amendments to allow for the formation of Private Trust Companies has recently been introduced in the Bahamas. This demonstrates the government’s commitment to the delivery of superior financial services to all clients.
The government is talking with stockholders including International Banks and Trust Companies, The Bahamas Financial Services Board among other financial institutions. A recent seminar was held to discuss the use and review of legislation as it pertains to Private Trust Companies.
A private trust company is formed for the purpose of acting as trustee of a single trust. Most of the world’s wealth is held by private individuals and their families. The preservation of that wealth is what Private Wealth Management is about. PWM for families involves the creation of programs to generate wealth, protect wealth from predators, and control the transfer of wealth from one generation to the next. These services are usually geared to those individuals with a high net worth.
In 2003 the money owned by these individuals was around $29 Trillion and expected to jump to $41 Trillion by 2008. When you are talking about someone who will be interested in offshore banking investment it would most likely be someone with an amount of $100,000 to $5 million. If an investor has less than $100,000 to invest it is likely that offshore investing is right for them.
Nearly every bank with an inkling of being international offers a special rate of interest to wealthier private depositors and name it private banking. Minimums have fallen to under $10,000 in many instances. Many institutions are catering to the customer with $20,000 to invest in the hope that they will have $200,000 or $2 Million to invest in the future.
Offshore banking investment or private investment, usually means investment management offered on a personalized level by the individual or company with disposable wealth of over $100,000. You should exercise care when you are thinking of opening a private banking account. You need to be sure it is the type of bank you want to do business with. Private banking is not the same as offshore banking. You will need to know the difference. Find out what any bank hopes to gain from your business before you open any type of an account.
Private banking does not necessarily mean investment. Banks like to lend money to rich people. If you deposit money with a private bank that is not accompanied by lending or borrowing is usually going to charge you a fee. Many times these banks are hoping for more involvement from wealthy depositors in the future.
If you are a wealthy individual, you will undoubtedly be bombarded by offers from many different banks who want you to deposit your money in their institution. Whether you will choose an offshore or conventional bank will depend on your residential status. If you plan to have residence in a low tax area, or plan to do so in the near future, than you will probably want to do business with an offshore bank.
You will need to know everything about the bank you choose before you become involved with it. You will be able to choose the right bank for your particular needs once you have looked into what they are able to offer you.