Online Banking on http://rbibanking.com

Online Banking on http://rbibanking.com

Complete online banking information on http://www.rbibanking.com

Five Straight Steps to Opening an Offshore Bank Account By Rhiannon Williamson

Despite what you may have read or heard, anyone is free to open an offshore bank account nowadays! In fact, banking offshore has been used successfully for tax reduction and asset protection by both individuals and worldwide organisations for decades.

And opening an offshore bank account in this day and age couldn’t be simpler either! Here are five straightforward steps to take towards opening an offshore bank account.

Step One – Understand The Advantages Of Banking Offshore

There is no point in opening a bank account offshore if it is going to be of no use to you! So you need to understand some of the general advantages of banking offshore.

Depending on an individual account holder’s personal circumstances it’s possible to reduce tax liability, increase wealth potential and maximise privacy with the use of an offshore bank account.

Further advantages for an expatriate or internationally focused individual are the flexibility, ease of access and global reach that an offshore bank account may provide.

Other general benefits may include asset protection, estate planning, better interest rates and the chance to exploit active business interests overseas.

At this point it’s essential to point out that each individual’s circumstances are unique and a person should seek personalised professional advice before venturing into the offshore world. This article does not constitute direct personal advice.

Step Two – Pick Your Jurisdiction Carefully

There are so many offshore banking providers offering a wide variety of account type and they are located in low to no tax jurisdictions worldwide so how do you choose which country to bank in? Again, depending on an account holder’s personal circumstances certain offshore jurisdictions will present themselves as being more favourable.

Jurisdictions range in quality from highly regulated, politically and economically stable centres like the Isle of Man, Jersey and Guernsey to high risk jurisdictions that few would recommend!

Remember that an offshore centre that is suitable for an American expatriate might not be so suitable for an English international investor! Consider your circumstances, your country of residence, country of domicile and any reporting restrictions placed upon you. Further examine the reporting requirements of any jurisdiction that you’re interested in.

Step Three – Select Your Offshore Banking Provider

Do your due diligence carefully and find out who’s the financial security behind a particular bank. Research the bank’s history in terms of its stability and security. This research is mainly applicable to those thinking considering banking with a lesser known offshore provider.

Clearly if you’re thinking about opening an offshore bank account with HSBC then your research needn’t necessarily be so intense!

You need to make sure that you’re comfortable with your chosen bank’s attitude towards you, its customer, and if you’re considering online banking be sure that your connection to the bank will be secure.

Much of this essential information can be found online.

Step Four – Choose The Right Bank Account

With so many providers vying for customer attention there are more account types on offer now than at any other time before. Each account structure claims to offer something the others don’t, but remember that the more bells and whistles you add to an account structure, the more expensive the charges for running and marinating such a structure will be! And who will bear the brunt of these costs? Most likely you - the customer!

So, think carefully about exactly why it is you need an offshore bank account and what are the features of that account that are essential to you. Do not be tempted to add to this list any unnecessary complexity.

Stay in touch with your immediate money management requirements; do not be tempted to deviate!

Then work through what’s on offer and pick the account type that best suits your needs.

Step Five – Opening The Bank Account

Nowadays you neither have to visit the offshore jurisdiction in which you wish to bank, nor do you have to travel to the country for the continuance of your banking activity and account maintenance.

Depending on the jurisdiction you favour, the provider and account type you have selected you will be required to submit certain paperwork, forms of verified ID and deposit funds.

The majority of legitimate offshore banking organisations will also allow customers to conduct all ongoing banking activity via the internet, e-mail, post, fax or telephone.

With many providers now offering full credit and debit card services as well you will also have easy and direct access to your funds at all times.

Rhiannon Williamson is the publisher of ShelterOffshore.com - the online resource for offshore, expatriate and international investors.

For personalized investment and offshore advice, readers of Shelter Offshore benefit from the site’s strategic alliance with deVere and Partners, the world’s largest offshore financial advisory. Visit the http://www.shelteroffshore.com/index.php/
shelter/offshore_advice_service/; deVere and Partners offshore advice service page to find out more.

Getting An Offshore Bank Account Via The Internet By T. O' Donnell

There is no need to use the many middleman websites you will find via a search engine. Most of these are *bogus*, even the slick-looking ones. More and more banks are offering offshore bank accounts direct. Just get a list of banks in the country you're interested in, and go to their web sites.

See the Google Open Directory here:

http://directory.google.com/Top/Business/Financial_Services/Banking_Services/Banks_and_Institutions/

and here:

http://directory.google.com/Top/Business/Financial_Services/Banking_Services/Banks_and_Institutions/Regional/

and the list at EscapeArtist.Com http://www.escapeartist.com/offshore3/banks.htm.

Opening an offshore bank account is like opening one in your high street; meet their criteria, and you're in. The only difference is you're not there in person.

The first thing is to find out whether they will accept citizens or residents of your country. For example, Swiss banks tend not to want US customers; they don't want the hassle from the IRS.

You will need to prove your identity, and the legal existence of your company, if you wish to open an account for it.

If applying by mail, DO NOT PART WITH ORIGINAL DOCUMENTS. Get copies notarised by a notary public. Originals can be used for fraud or identity theft. Or they can get lost.

A Notary Public is a public officer commissioned by the State to perform notarial acts. A Notary is an impartial witness. The notary is empowered to issue an apostille.

Apostille - Is a method of certifying a document for use in another country pursuant to the 1961 Hague Convention. With this certification by apostille, a document is entitled to recognition in the country of intended use, and no certification or legalization by the embassy or consulate of the foreign country where the document is to be used is required.

In practice this means you provide evidence to this man that you are who you say you are, and/or that your company is what you say it is. You take an oath on the Bible. That's right, it's not a joke.

Due diligence: Banks need to show they have checked who their customers are, and how they came by their money.

Passport - If you apply by post a notarised copy is needed;

Information about yourself - name, date of birth, address, phone number etc.

Your economic background - documents showing how you earn your money (work contract, bank statement, tax return, company documents);

Origin of your deposits - documents showing how you earned them. If you sell a house, proof of the sale, a copy of the estate agent's listing, and so on;

Information about your deposits - how much you plan to deposit, and what you plan to do with the money once you've banked it.

If opening a company account, you send an apostilled copy of the certificate of incorporation to the bank providing your account, along with evidence of your identity, an application form, and any other documents they ask for.

If you want to get an offshore bank account, *consider visiting the bank in person*. If you can, travel to the country in question, and open a bank account there. You probably live near one tax haven at least. This especially applies if you are planning to deposit large sums; find out who you're dealing with!

NOTES:

1. Don't pay a middleman to open a bank account for you. See above.

2. Do not use services which offer bank accounts in Eastern European countries.

You are likely to be cheated, possibly by the bank itself. Avoid Latvia!

3. Do not give anyone Power Of Attorney.

You can kiss your money goodbye. You may have legitimate reasons for not wishing to broadcast what you're doing. The problem is: *How can you obscure that you are the owner of the company, or bank account, without losing control of it?*

Don't get too clever, or too greedy.

4. Avoid web sites where:

The business address is a P.O. Box, or a 'Suite';

The site is on a free web host;

The site is badly translated into English;

You have the sense you are dealing with Africans or Eastern Europeans;

The site has not been updated recently e.g. the Copyright reads 2001;

They've only been running for a few years;

They offer a range of dubious products - second passports, citizenships, anonymous debit cards;

You cannot pay via credit card - it's much harder to get refunds on banker's drafts, Western Union and e-Gold etc;

They require you sign a confidentiality agreement, or you have the sense you are entering quasi-legal or illegal territory.

Bogus offshore banking sites can threaten to report you to your tax authority if you question their methods. It's an old con trick; get the mark involved in something illegal, then he can't go to the authorities.

Offshore bank accounts and company formations are just like their onshore equivalents; there's no big mystery about them. If you want a company formation, contact a local registration agent, who speaks English, in the country of registration. Then use another local agent to check what the first one's done.

Open your bank account yourself.

One last thing: *don't think that because your bank account and company are offshore you can do business in your home country, and/or with fellow residents, and avoid taxes there*.

You'll find plenty of websites that'll purport to help you, right up until the time you get a small brown envelope from your country's tax inspectors, inviting you in for a little chat.

About the author: T. O' Donnell (http://www.tigertom.net) is an ecommerce consultant and offshore banking adviser in London, UK.

Article Source: http://EzineArticles.com/?expert=T._O'_Donnell

Do it Yourself Credit Repair Or Hire a Credit Repair Service By Ron Lerman

People commonly choose to repair their own credit because they feel it will save them money. The only costs involved will be for postage to credit reporting agencies, credit card companies, and collection agencies along with the cost for copies of your credit reports. While everyone is eligible to receive one free copy annually, you will also want a copy of your 3 credit scores. Since free copies of credit reports do not include your credit scores, you will need to pay each credit reporting agency for a copy of their report with your score included.
 
Remember that fixing your own credit can be time-consuming, especially if you have never done this before. You must do your homework! There are laws you must follow to ensure that you are repairing your credit legally and making appropriate demands on the credit reporting agencies. If you do not understand the laws, you won't be able to use them to your advantage.
 
Keep in mind that credit/collection agencies can be difficult for people to deal with, especially without the proper knowledge base. It doesn't serve the credit agencies interests for you to fix your bad credit. Without collecting money from you, they are out of business! 
 
Many credit repair agencies are well-versed in handling issues as they arise. Your decision as to whether to hire a credit repair agency should be based on how much time, patience, and money you have at your disposal. Many people have been successful at repairing their credit both by hiring someone to do it for them, and by doing it themselves. Each method has advantages and disadvantages. If you have good information on how to do the credit repair yourself, you can save much time and money. However, if you prefer to pay for convenience and can afford the monthly fee, hiring a credit repair agency may also be an option. If you decide to hire a credit repair agency, please investigate any prospective company carefully beforehand to ensure that it is legitimate and reputable.

For more information on Credit Repair, visit us at Unsecured Biz Credit.com a web site that provides individuals and small businesses with information to build their credit. Article Source: Ron Lerman, Business Credit Advisor

What is a Cash Back Credit Card? By Tom Tessin

A cash card is one of the most preferred credit cards on the open market today. Many consumers are looking to get something for the use of credit. The cash credit card is available with secured cards, unsecured credit cards, and with prepaid credit cards. The debit card user who normally has one of the major company logos like Visa, MasterCard, or Discover expects cash back rewards on their card.

A card is vital for most consumers because they are so use to getting rewards from manufacturers in the form of rebates and coupons it only stands reasonable for them to get rewards for using the credit card. A good reward program will not cost the consumer an arm and a leg to maintain. It is often part of the package deal that gives you a low APR% and late fee charges. One of the important parts of having a good cash back card is the fact that you earn no matter what you use your credit card for when spending. You should be able to make hotel reservations, airline reservations or on merchandise and still get cash back for all your expenditures.

The normal consumer and the business consumer are all looking for the same good package deal. The college student expects to be able to use the card while in college and have cash rewards when they graduate. A cash back credit card is highly acceptable by one and all in the economic world today, since it can save you so much money if you use it right.

Find the best cash back cards that give you back as much as 5%, and more of Tom's work all at FINDcashbackcards.

Understanding the Insane Math Behind Your Credit Cards By Tracey J Smith

Think back to that exciting day when you were approved for your first credit card. Perhaps your parents co-signed for you or perhaps you managed to get one with a small credit limit on your own. Either way, you were on your way to adulthood!

BUT, did you ever stop to think about what you were getting yourself into? Did you even look into the credit card's interest rate and service fees before you applied? Most credit card interest rates are between 15 and 25% these days. Have you done the math to determine what that means? Let's go through an example.

So, you're in the store looking at that brand new digital camera which retails for $349 and is on sale for $299. You absolutely LOVE it! You don't have the cash in the bank to pay for it right now so you decide that brand new shiny credit card in your wallet will do the trick. After all, you can't miss this sale, can you?

Within a few weeks, your credit card statement arrives. On the statement is the $299 for the camera (ignoring the fact that you really would have paid taxes on that as well). You still don't have the money, so you decide to make the minimum payment this month and carry the balance forward. Another month goes by and here comes another statement. Strangely, you still owe them $299 for the camera? How can that be? Didn't you pay them something last month? Yes, you did. But have you ever stopped to wonder what the minimum payment is based on? It's the interest on the amount you owe them, such that paying the minimum amount means you have paid them money but are absolutely no further ahead than when you started! That camera is getting more expensive by the day isn't it? Not really worth it, is it?

Now think of those people that are carrying thousands of dollars as a balance on their credit card. They're paying between 15 and 25% and racking up the charges each month. Let's think about this. What is the interest rate on a loan at the bank? Single digits, isn't it? And hard enough to pay off, isn't it? So why would you EVER carry a balance on a credit card knowing that they're so much higher in interest? Insanity indeed!

And now, one of the craziest questions I have ever been asked. You're carrying a balance on your credit card which we have now discovered is likely at 15%. You get paid a bonus at work for doing a good job and they give you $500. You wonder, should I pay down the credit card balance or invest in a bond? Oh my goodness people, look at the math! If you buy a bond, you might get 2% interest. You're being charged 14% on the credit card. Easy decision...pay down that credit card!

In over 40 years, I have never ONCE carried a balance on a credit card. I have never purchased anything without having the money already in the bank to pay for it. A credit card to me is just a way for me not to carry around cash. If you don't have the discipline to do this, then cut up the credit card and live off cash for a while. You'll find budgeting to be much easier.

I hope this helps our debt-filled society.

Click below to view another article by this author on personal spending: http://www.gomestic.com/Personal-Finance/Surviving-2009-A-Common-Sense-Discussion-of-Personal-Spending.501967 This author is the owner of http://www.numericalinsights.com

Prepaid Credit Cards For Free By Tom Tessin

When you open up a bank account you can request a debit card that works like a prepaid credit card and usually there is no fees attached. Most banks like having you as a customer and are more than glad to give you a prepaid debit card. The advantage of course is that you already have a committed amount of money in your checking account that secures your prepaid credit card.

People who have their payroll check automatically deposited usually find that it is very easy for them to obtain a credit card. People who are on a pension, social security or other controlled income often get a prepaid card in order to pay their bills, buy what they need, and make reservations when necessary. The prepaid credit card is one of the best types of credit cards because it is secured with funds already available, provides the consumer an available amount of cash, and protects the lender from losing any money.

The use of a free prepaid card for most consumers has been the answer to their spending problems. It seems that the cost of a secured or non secured credit card has been so high that most consumers shudder at the thought of having to use one for any purpose. The government is trying to put in sanctions that will help the consumer but the lending institutions may cancel the lending procedures in order to stay in business. While the government is coming up with their plan to help the consumer the lenders are also working on a plan to help govern their lending programs it should be interesting to see how it all comes out in the end for everyone concerned.

Check out some of the best prepaid credit cards on the market today, as well as more of Tom's work all at FINDsecuredcards.

Credit Cards For People With No Credit - How it Works By Court Tuttle

You might be surprised but even people who have a poor credit rating can also qualify for a brand new credit card. Now before you quality for a credit card with your poor history you need to first make yourself familiar with all the options open to you. You definitely don't want to get the wrong card and you want to make sure that you are protected against fraud and other inaccuracies that can come up with the use of credit.

The first thing you should know is that these credit cards often have high interest rates. This is a simple fact that you are going to have to simply live with. You also need to remember that trust is a big part of the credit card business so once the company trusts you, you will be able to ask for an interest rate that is lower. In order to do so you need to be able to pay off your credit card regularly. These credit cards also offer a balance transfer facility. This essentially means that your credit rating will improve and you can get right on track with improving your credit.

You are probably already anxious to know how you can get your hands on one of these credit cards? Your first step is to do some research about the different cards that are offered to people who have a bad credit history. You an start by applying for a few of them online, you can also printout their application form. If you have really bad credit or if you start to get denied by a lot of companies, I can recommend looking for a secured card. This will help you to get started.

Facts About Credit Cards of This Type

1. You can work towards a better credit rating by using them and paying them off.

2. You still have a level of security when you are having financial difficulty.

3.You can convert a poor credit card into a regular one if you pay off your cards regularly.

Issues With Using These Cards

1. High interest rates.

2. Low limits.

3. High fees.

If you want to effectively use credit cards for no credit, make sure to pay them off completely each month. Combine this strategy with Bank One signature loans for maximum credit building effectiveness.

Plan to Use Credit Cards By Teeny Ingberg

Credit cards have become almost a part of everyday life for most people, since they are small and very convenient to carry and make payments. Especially, if you are traveling, carrying cards may be a great choice than carrying cash for personal security reason. Credit cards have been around for a long time and gradually became very popular for many countries and places. There are a few things we will need to pay attention for using the cards wisely and correctly.

You can apply for a credit card from institutes like banks and retailer stores. There are a few things about credit cards that you should do the research to choose the best ones for your requirement and budget. Things like Annual Percentage Rate, which is the annual finance charge for using the card, Annual Fee, which is flat yearly payment for using the card, Cash Advance Charge is a charge for advancing cash to use from the card. Also look at the Grace Period, which is a period for using the credit card without paying the finance charge. The issuer also will offer Introductory Rate for a period of time for using their card with a special lower interest rate as an incentive. There are also Fixed Rate and Variable Rate to think about, Fixed Rate is a fixed annual charge for using the card, while Variable Rate is an interest rate that can vary. Do the research online on the web will be very convenient, just search with the search engine websites. Compare the best offers and plans from the various issuers, consider at least the few things about credit cards we just mentioned.

After obtaining the card, you should also create a plan to use the card. A correct and well-planned usage would save you money and expenses in the future. You should pay the card on time, and it is better to pay at least a little more than the minimum payment. The software such as Outlook ® will include a calendar and reminder for you to enter a reminder to pay the card on time. Spend within the credit card limit is always an advised way to avoid extra charges from the issuers. You could also try to consolidate the card payments to lowering the monthly payment. Credit cards are just like many other tools in life, they will be a convenient and useful tool if we use them correctly and with planning.

Teeny is a writer for finance, computer, travel, cars, shopping and other subjects for many years, please visit http://www.fidetips.com/finance for more information.

Barclays Online Banking - Log-in Step 1 of 2

Barclays Online Banking - Log-in Step 1 of 2
We're pleased to advise we're protecting all our UK personal savings ... If you haven't already registered for Online Banking, register now and enjoy the ...www.personal.barclays.co.uk/goto/pfsolb_login

Compare high street and online banking services

Compare high street and online banking services
Welcome to e-banking.co.uk. Compare the traditional high street banks with some of the best deals available on the internet. Find out who gives you the best ...www.e-banking.co.uk/

Personal Banking - Barclays Personal Banking

Personal Banking - Barclays Personal Banking
Find personal banking services with Barclays personal banking. ... of personal loans, mortgages, insurance, current accounts and savings plans in the UK.www.barclays.co.uk/

Internet banking - Secure online banking - Alliance & Leicester

Internet banking - Secure online banking - Alliance & Leicester
Secure online banking - Our award winning internet banking service provides a secure and convenient environment for you to manage your money, ...www.alliance-leicester.co.uk/internet-banking/index.aspx -

first direct

first direct
first direct. skip to primary menu. log on. internet banking. internet banking plus. sharedealing. call us 08 456 100 100. skip to content ...www.firstdirect.com/

The Co-operative Bank | Personal banking | Online banking

The Co-operative Bank Personal banking Online banking
The Co-operative Bank provides personal banking services including credit cards, current accounts, free online banking, personal loans, savings and more.

http://king-credit-card.blogspot.com/

Welcome to lloydstsb.com

Welcome to lloydstsb.com
Internet Banking. Log on to your personal banking · Internet Banking Business log on · Register now · Keep yourself secure ...
Show stock quote for LYG
www.lloydstsb.com/

Personal banking: product, service, online, internet: HSBC Bank UK

Personal banking: product, service, online, internet: HSBC Bank UK
International bank headquartered in London. Provides a range of banking services for personal and corporate clients.www.hsbc.co.uk/

Halifax Online Banking - UK Banks, Finance, Personal, Telephone ...

Halifax Online Banking - UK Banks, Finance, Personal, Telephone ...
Halifax Online Bank UK - Our online banking service gives you a little extra help with your finance and money - mortgages, savings, current accounts, ...www.halifax.co.uk/

smile.co.uk - the internet bank

smile.co.uk - the internet bank
smile bank - The UK's first full internet bank since 1999. UK 24/7 call centres and free secure online banking.www.smile.co.uk

UK Bank Account In 24 Hrs

UK Bank Account In 24 Hrs
For both U.K. & Non-U.K. Residents.Any country.Guaranteed Credit Card.www.ukbankaccountsetup.com

internet banking uk

... BBC NEWS UK UK Politics Online banking fraud 'up 8,000%' Home ... increase in fake internet ... http://rbibanking.com/1/internet-banking-uk.html

internet banking uk

... Sacramento Business Journal: Commercial Banking Members: Log in Not ... Hsbc internet banking uk HSBC Internet Banking Notice - HSBC Bank Phishing Scams ... "This message is from HSBC Bank PLC, to inform you that we had updated our Internet http://rbibanking.com/1/internet-banking-uk.html http://www.millersmiles.co.uk ...

internet banking uk

... Manage your money when you want with online banking Special Mortgage Deal Exclusively for anyone ... ... on your mortgage. This site is intended for UK residents unless otherwise stated. Halifax plc ...
http://rbibanking.com/1/internet-banking-uk.html

internet banking uk

... Insurance for your needs In UK Internet Banking.com we have searched and found the best and cheapest insurance for your needs.Select the category you want and find the most quick way to be insured ... http://rbibanking.com/1/internet-banking-uk.html