The Importance of a US Bank Account For a Non Resident

In this article we would try to examine some of the benefits of a US bank account to a foreigner or non resident. Why is it that everywhere you go online now be it at the forums or search engines, you see a lot of folks looking for information on this?

This has led to a lot e-books on the topic. Many people are writing and selling this info online. Yours truly even wrote and sold one some few years back. We want to examine some of the reasons for the attraction. What is so   unique  or attractive that many people online are now trying to get a US bank account even if it is a basic one like a savings account?

In answering the question, I want to start by saying the internet has changed nearly everything about the way we live. Gone re the good old day where it was okay to just live within the confines of your geographical locality. Not anymore! Everything has changed, thanks to the internet which has joined us all together to form the so called one global village.

In the past if you had a bank account in your locality, that was enough. Not anymore as you now could easily sell or work all over the world online via the internet. You could now set up a shop online and sell to people all over the world 24 hours a day, seven day a week and 30 days a month, in fact round the year.

With the above scenario, you need a financial system or solution outside of the one in your locality or country. You have now gone international. Hence he need for an account with banks and financial institutions outside your country. When then US and not pother countries? The answer is very simple. The vast majority of online companies, those that matters are all based or headquartered in the US. Just take a look at the top 10 web companies from Google, eBay, Amazon, Facebook, Yahoo, all these are US based.

When you are online working, trading or doing business, you want to be working with the companies that matters. They are all based in the US. When it comes to pay you is when you realize the complexity of the whole thing if you do not have a presence or at least a bank account in the US.

Take for instance you sell online and get your card payments via any of the 3rd credit card payment processing companies like ClickBank, 2Checkout.com, Plimus.com, PayPal, SHARE-it.com, you need a US bank account so that you can get your payment fast. They are all based in the US. Also take for instance that you are an Affiliate marketer, most of the Networks too like Amazon.com, Commission Junction, ClickBank, etc. are all US companies.

The difference between getting paid via a US bank account or its alternative solutions and the customary method of being sent a check is about an interval of 10 weeks. Incredible, but that is the reality on ground. If you have a US bank account, you are simply going to be paid by what they call direct deposits or ACH (automated clearing house) system.

This method takes just 2-3 days and mostly it is free of charge. But for all the others outside of the US who do not have a US bank account, a check would be cut and mailed to you. You get this check in 3-4 weeks depending on your location and then lodge it in with your local bank who again send it back to the US for collection. Remember the checks are drawn on banks in the US and not your local banks. This can take another 3-4 weeks to get back to the US.

In US it goes for clearing, and then if good it is credited to your local bank’s Agent or correspondent account in the US. The agent will now pass the credit to your local bank who in turn will credit your account. In all you would be looking at 10 weeks before you can get the money paid you by the US company.

So what is the solution? Get a US bank account if you want to flourish or make money online. Without this you are doomed and would sooner or later quit the Net out of frustration. I have a US bank account even as a non resident, what happens is that I am paid by ACH or direct deposits and when in 2-3 days the money hits my US bank account, I simply withdraw from a local ATM in my country using the ATM card that the US bank gave me.

This is the main reason many people online are looking for a US Bank account solution or its alternative. they want to receive the monies from their online endeavors cheaply and in a timely manner. They are other benefits like the savings on clearing your checks which could be in the region of $100-$150 per check. Add up that if you get 20-30 checks per annum.

With a US bank account it is easy to sell on eBay, and get paid by PayPal. A lot of people in the US (the number one market) online will find it easy paying you and so on. Hope you have seen some of the benefits of a US Bank account for a foreigner or non resident.

Cider Making Process

Cider for me is the best alcoholic beverage, from when I was sipping a shared bottle of white lightning in the local park (we’ve all done it) to enjoying a cold one at the pub during the summer months it always has had the same refreshing, relaxing and rejuvenating effect. My appreciation of this beverage has lasted year after year, so this article will hope to enlighten you just a bit more on what is cider, how cider is produced, and what is is the best cider. I hope it’s useful.

Cider is a renowned drink throughout the United Kingdom and Ireland; it comes in a range of forms from the traditional dry cider to the sweet cider, which allows it to be enjoyed by a whole range of individuals.

Most apples grown are suitable for cider making, though in a region like Kent cider-makers prefer to use a mixture of eating and cider apples or just cider apples if you are in the West Country.

On collection of these apples they are immediately grounded down in to what is known as a pomace or pommage. This process back in the day would of been undertaken at cider mills by hand or using either water or horse power. These days most cider presses are electrical, with the whole process looking to ensure the pomace is only exposed to air for a limited amount of time.

After this the all important fermentation process takes place, this is done at a temperature of 4-16 degrees C, which is low for most fermentations but is beneficial to cider at this temperature. Before the fermentation process consumes all the sugar, the cider is moved to a new vat, leaving dead yeast cells and any other undesirable materials at the bottom of the old vat.

Finally the last stage of fermentation creates a small amount of carbonation, which can be enhanced by adding some extra sugar. After a three month fermentation period the cider is ready to drink, but it is commonplace to leave it in vats for up to two years.

They are then removed from the vats and bottled. In some larger-scale cider production they have ciders produced from different varieties of apple, which in this case the cider may be blended to accord with market taste. When the cider is bottled usually some extra sugar is added for sparkle. Cider bottles are normally used but some home brewers use beer bottles, which work well and are inexpensive.

The West- Country is known as a leading cider producing region and one of the best (in my opinion). The majority of ciders in this part of the United Kingdom are known as Scrumpy which is a local term for small or withered apple. They are over 25 Cider produces in Somerset and then following is Cornwall who is another big Cider county for the West Country.

In Cornwall there is a range of traditional ciders such as the previous mentioned Scrumpy Cider which is a strong cyder that can be bought medium dry and medium sweet at 7.4% alcohol volume.

Recently a new Cider has started becoming popular across the UK. The beverage that I speak of is the Cornish Rattler. This cider was originally only available in draught format, but after requests from numerous customers they have now bottled it. Made to be different in taste and appearance, this cloudy Cornish cyder is 6% ABV and sparkling. It was voted Best Bottled Cider at ciderfestivals.co.uk 2008. If I was to recommend you try any Cider it would be the Cornish Rattler, I feel its taste retains the original Cider taste but then adds certain delicate sweetness which is not sickly and compliments the original cider taste well.

So with Rattler now available in your local retailers I would recommend you go and check it out, if you like cider you won’t be disappointed.

Biography Collection of Great Past Entrepreneurs – A Book Review

Andrew Carnegie has been noted for saying that if you want to be successful in business then you must do what successful people do. And to do that you must study how they lived, what they did and get some insight into their methods of operation. This is indeed good advice which no one can deny. Perhaps, this is why business students, professors, and future entrepreneurs study all the great business leaders of the past?

Since this is the case, I’d like to recommend a very good book to you about past great entrepreneurs, it is a collection of their biographies, shortened of course, and it is still on my bookshelf after all these years. The book is:

“The Entrepreneurs – Twelve Who Took Risks and Succeeded” by Robert L. Shook; Harper and Row Publishers, New York, NY; 1980. ISBN: 0060140259.

There were numerous standout great quotes, one of them that I liked was by W. Clement Stone; “I don’t care what field you are in, anyone who truly wants to be successful must develop a plan to duplicate their success.”

Another great thing the reader will take away from this book was the authors note that if you want to win in business you must have goals; “Write down your goal, give yourself a deadline, set high standards, aim high.”

This book profiled such great past entrepreneurs as; John W. Galbreath, W. Clement Stone (insurance), Mary Hudson (oil), Dale W. Lang (media), S. Roger Horshow, William J Richards (farming), Mary Kay Ash, Joseph Sugarman, Richard Schultz, William McCowan, and John Delorean. And it explained their similarities, attitudes, methods, big business deals and drive. I know you will love this book as much as I did and hopefully like me you will keep it on your shelf for a reference, please consider this.

Be Your Own Boss – Make Your Own Decisions

If you are considering working from home, then you will be joining thousands of other independently minded entrepreneurs. People seek work they can do at home for a number of reasons, some are just looking to make a bit of extra income, whilst others want to change their way their life for the better and are looking to escape the regular 9-5 daily routing.

Working from home isn’t a get rich quick scheme. Like any other job, it takes time to find the right product, market it to the right audience and build up a reputation. However when compared with working for someone else, then the hard work is worth it for most people.

There are so many advantages to working from home, just imagine, waking up in the morning and actually having time to eat breakfast with your kids before taking them to school. No more wasted time and frustration as you sit in traffic and tarriving late at the office, no-one to yell at you if the task hasn’t been finished in time, or telling you when you should eat. The decisions are all yours when working from home, and if you aren’t motivated enough to work hard then you might as well stay put in your regular job.

Working for yourself from home takes motivation and commitment, and a lot of hard work. Set yourself a goal for the day and constantly work towards reaching it. Max International gives you one of the most beneficial compensation plans in the trade selling a   unique  product that can have a remarkable impact in people’s lives. They are well known for creating organic first-rate dietary supplements that have been proven to improve the function of the body and increase quality of life.

Max offers an uncomplicated, low-risk plan with minimum outlay that can provide you with a comfortable income and guarantee you a better standard of living. Their compensation plan is a success due to the way it has been devised, giving associates various advantages. Designed by experts with experience in the industry, their ability to see both sides of the coin, the associate and the corporate, and means they aim to please both.

Max International specializes in quality health dietary products of which Max GXL is one of them. Were you aware that glutathione is a strong, common antioxidant in your body? Increasing the level of glutathione level will increase your level of energy, detoxify your body and strengthen your immune system. MaxGXL offers the right nutrients required to encourage the body to produce and absorb glutathione itself. It is also beneficial in helping the liver to function as the main producer and store for glutathione.

As we age, the body’s production and utilization of glutathione diminishes and those with low levels of it are more at risk of a chronic illness. Research has shown that supplementing your diet with MaxGSL increases glutathione production and thus can prevent illness. GSH levels start to diminish from the age of 20 and are further reduced by recurrent stress upon the immune system such as illness, infection, and environmental toxins. A weak immune system can result in illness and disease.

Becoming a partner with Max can help you in your dreams and ambitions. Life that isn’t lived to the full is no life. Realizing your hopes and desires will make you a much more content and happier person. Do what you want to with your time and don’t waste any more of it making money for someone else.

Invest in Max International today and take control of your future. Be your own boss, live by your rules, work the hours you want and see your life change for the better. Choosing Max will not only benefit your mind and standard of living, it will also introduce you to the healthy supplements available, the products you will be selling, that can make you feel like a new person. Check out Max International and their line of products including Max N-Fuse and MaxGXL.

Picnic Ideas – Pack a Picnic From Your Pantry

Summer is on the way. You need to start thinking about being prepared for picnics, especially those times when everyone, at the last minute, cries, “Let’s go on a picnic!” Oh dear. A picnic. Whatever will we take to eat?

There are some things you can do to plan ahead for a picnic. Then, with a few items stocked and a game plan to follow, going on a picnic at the drop of a straw summer hat will be a piece of cake!

Picnic ideas– what to do to plan ahead:

  1. Pack a box or container with all the reusable, plastic dishes and utensils your family needs for a picnic. Don’t forget a knife to cut food, a pitcher for drinks, a can opener, serving utensils, etc.  In your picnic box, you could include an old bed sheet for a table cloth. Twin-size bottom sheets work very well for this, as the elastic corners help it to stay on the picnic table without blowing off. Close up this box when packed and label “picnic.” If you will be using a park BBQ to cook food while out, then pack another box for the utensils needed, including pot holders, and label it also.
  2. Pack a box or two to put in the pantry with nonperishable food items such as: juice, cookies or crackers, pork & beans, canned fruit, canned fish or meat. Tuna in foil packets works well because it doesn’t need to be drained. Chips or pretzels could be included but go easy on these as they don’t deliver much nutrition. If you go somewhere that doesn’t have drinking water available, you could either pack bottled water or take a large water canteen.
  3. Keep some reusable freezer packs in your freezer to avoid having to buy ice at the last minute. They also don’t create the mess that the melting ice does. Keep your picnic cooler clean and in a handy place. Also, freeze some water in small empty yogurt containers, which are not bigger than the mouth of your water canteen. These can be emptied into the canteen to make instant ice water to take on your picnic.

Once you have planned and packed the items above, going on a picnic at the last minute really is a piece of cake. You’ll be ready in only a few minutes to head out the door. No muss, no fuss, no going to the store.

  • Open your clean cooler and put ice packs inside.
  • Throw in whatever you can find in the fridge: apples, carrots, cheese, leftover cooked chicken, etc.
  • Place bread or buns on top.
  • Cover food with a towel and facecloth and close the lid. The towel and facecloth are for washing sticky hands later.
  • Grab your picnic box with all your utensils and dishes in it.
  • Grab your pantry box with the nonperishable food and juices in it.
  • Fill up your large water canteen with the ice cubes you made and some water.

Picnic Ideas: Brainstorm about where to go to enjoy your family picnic:

A picnic can be a fun, inexpensive family activity to do in the summertime. One thing extra you could do to be prepared is make a list of all the places you could possibly go on a picnic. Include your favorite parks and see what else the surrounding area offers. Decide how far away you are willing to travel and then make a list of all the possible picnic places within that area. One fun idea is to make a goal to visit each place once over the summer vacation. Don’t forget to encourage your family to give you input for new and exciting picnic ideas to try for next year.

The Advantages and Disadvantages of International Money Transfer Online Services

Advantages and disadvantages are attached to everything on the planet Earth. As far as money sending concerns; although the advancements in IT have made it possible to send money online in minutes, yet the dark side of the picture can not be overlooked along with appreciating the bright aspects. At first, let us take a view of the advantages of international money transfer online services:

  • The first and the most prominent benefit we get from these services is the rapidity. Gone are the days when people had to wait for weeks for transaction of money. At present, you can transfer money online from one place to another in minutes.
  • Various banks have featured power transfer, which enables you to track the money online whether you are a recipient or a sender of that money.
  • Lots of banks have featured remittance. With the help of this feature, you can receive money in your local currency and use right after you receive it.
  • Another benefit is that you can send money straightly to bank accounts via online banking now-a-days.
  • Online money transfer services have provided a platform to online business-groups where they can move fast and grow rapidly without wasting time in the formalities of sending money offline like waiting for the checks to clear.

Having walked through the advantages which online money transaction offers, now let us turn to the disadvantages it bears.

  • The weightiest disadvantage is the transfer fee taken by international money transfer online services. You must have to pay some fee to them, otherwise it is impossible to utilize the services.
  • Sometimes involvement of credit card and debit card in online money transfer leads to losses. In other words, you money is not hundred percent secure in process.
  • Some websites are used to keep money temporarily in case money is not sent directly to bank account. The user passwords for these websites can be hacked by hackers resulting in the loss of money.
  • When you send money online, you have to face the technical difficulties of the process.
  • You have to be patient because long queues are quiet usual in online money transaction.
  • The quick transaction in debit cards causes difficulties in recovering lost funds.

By and large, online money transfer services are neither from heaven nor from hell. In spite of all their advantages, lots of people rely more upon offline money transaction. And in spite of all their disadvantages, a huge percentage of the world population utilizes international money transfer online services on regular bases.

Resveratrol Health Benefits – What Are They? Is Resveratrol Really Worth Taking?

There has been a lot of talk lately about Resveratrol and it’s health benefits. We’ve all heard the about the studies claiming that red wine is actually good for us and beneficial to our health. In this article, I will describe the known benefits of Resveratrol that I have uncovered after my research and use of the supplement.

Resveratrol is an antioxidant found in the skin of red grapes. The purpose of this antioxidant is to protect the core of the grape from possible damage caused by the environment and several other factors. It turns out that this anti oxidant reacts the same way to the cells of our bodies as it does the the core of the grape.

When the cells in our bodies are coated with this antioxidant, it takes the much less effort to have the same results.

Weight Loss.

When we eat a heavy meal, usually what happens is that our body does not have enough energy to process all the food in the time we would like. So what usually happens is that our body will store the excess of calories instead of processing them. This is when we gain weight.

Increased Energy.

As soon as the body has time to get back to work processing those unwanted calories, it does. This is the most common reason for a lack of energy.

Reduced Risk Of Disease.

The body is self healing. If we get cut or bruised, the body heals itself. The same thing happens when we get a disease or sickness. The only reason these things do not heal themselves is because the our body cells are not strong enough.

These are the most commonly talked about Resveratrol health benefits.

How to Set Up a Network Marketing Business – Your Step by Step Guide to Success!

So you finally decided to start your own network marketing business. You have found your perfect MLM opportunity and you are ready to leave the 8-5 world behind and claim your financial freedom NOW! You may be wondering “So what next? How do I set up a profitable network marketing business which will support me with residual income for the rest of my life?” Below I have written a step by step guide for your success…

1. The first and most important step to realizing success is to cultivate success within yourself. Your outer prosperity is irrefutably connected to who you are inside. The outer reflects the inner… ALWAYS! This is why so many of the successful entrepreneurs I know are talking about the importance of personal development and proper mindset. The way to create inner wealth is simple. Cultivate health by proper diet, sleep, exercise and water. This is important… don’t let anything take away from your daily self-care. If you don’t have energy, health and vitality you will not be able to create and keep wealth in the long term. Cultivate an abundant mindset by setting goals, meditating, and saying affirmations. Study the law of attraction and hang around people who think positive and wealthy thoughts.

2. Know your products. Confidence in your company’s product(s) is key. Jim Ryerson, author of First 100 days of selling, states “Your prospect will pick up on your confidence in your product and that will make them more comfortable. You may have to invest more time in the short term to learn about your product so you can have that confidence!” If you love, use, and believe in your products it will greatly enhance your ability to sell them.

3. Find a successful business internet marketing consultant. There is so much to learn about internet marketing… SEO, blogs, squeeze pages, social media, hub pages, squidoo, auto-responders, etc. It is a very smart idea to find someone who KNOWS the game and has created success and who will hold your hand and show you exactly how to thrive. This will save you years of time it takes to figure it all out yourself.

4. Be COMMITTED! Network Marketing has created more millionaires than any other industry and yet so many call it quits before they succeed. The reason is that your commitment to your success will be tested. You will learn and grow so much along the way. Stay true to your desire to succeed! Set a specific amount of time aside each day to work on your business. Be consistent, be patient, be smart and you WILL succeed!

Resveratol Supplement and Its Amazing Functions

Used in laboratories, this product has been proven to have beneficial effects in cardiovascular, blood sugar lowering, anti-inflammatory, anti-cancer studies. Most importantly, this phytoalexin is found naturally produced in red grape skin and is profoundly located in red wine. The “French Paradox,” which implicated red wine as the reason why the French remain as healthy and slim as they do even though they eat a fat-laden diet with a tremendous amount of butter in it, may have found its answer. Thus it is hypothesized that it can counteract the highly detrimental effects of such high-fat diets.

Various researchers have created studies that found that various life spans could be prolonged with the use of this amazing finding. In one instance a maximal dose actually increased that median lifespan by 56%! Scientists were also amazed to find that the participants also showed greater physical activity and actually also exhibited better mental learning facility.

With further research on resveratol, it was noted that the levels of both insulin and glucose were being aided by this truly amazing phytoalexin! At this very moment clinical trials are being promulgated to investigate its effects on melanoma (various skin cancers) as well as for colon cancer.

In the laboratory it has been found to have positive effect on leukemia, pancreatic, prostate, esophageal, gastric, skin and breast cancers, thus many studies are underway especially where this phytoalexin can come into express contact with the cancer such as within the gastrointestinal tract or in skin cancers.Thus far all studies are highly promising, though exact doses have yet to be established by the medical community.

WoW Gold Farming Tips to Make You Rich

Every World of Warcraft player has one urge that seem to be unquenchable and that is how to make more gold. The game itself provides umpteen opportunities for players and one of the best ways I know of to make more gold is through what is termed wow gold farming. So this article is designed to help those looking to make more gold in wow and provide a few tips to help make you rich.

First get to know the Azerothian holidays.

Inside the game there are periodic holiday and events and many of these are great gold making opportunities. Take for example small eggs. During the rest of the year you can buy these things for next to nothing, I’m talking a few silver a piece. But when winter veil comes around the demand for small eggs goes though the roof. Just this winter alone I was selling small eggs at upwards of 3g a piece, now that’s profit. What can be learned from this, learn to buy low and sell high. In this case you have to willing to sit and hold and wait, but in the end your patience is rewarded.

Learn to work the auction house properly.

This would be an article all on its own and I have written more about this topic but let me cover this briefly. Here are a few common mistakes I see players make everyday. For example what benefit is there to throwing up in the auction house 20 of any given item? I’ll tell you none. All you are really doing is risking the fact that not all will sell, which costs you gold in auction house listing fees and you risk getting underbid. The key to wow gold farming on the auction house is, know the market, and then play the market.

Let me share with you a real in game example. I was buying these horn of winter glyphs one day as I had noticed that the trend with these on my server was a low end selling price of 16 gold and a high end selling price of 32 gold. Well sure enough some player throws up 20 of these glyphs up all prices under 20 gold. Guess what I did? You bet, I bought every single one of them not knowing that this player was actually online. Within 2 minutes of buying these up I get an in-game pm from this guy thinking he was cocky, saying thanks. I just returned the comment, no thank you.

You see what this player didn’t understand was, I was now in a position to take advantage of the fact that he broke both rules when it came to the auction house. He listed too many of one item and for too low a buying price. I already knew I could sell these glyphs for 32 gold a piece, so all I did was re-list them at my price, and drove him right out of the market. I could do that because of the huge profit margin. Plus now I’m in a position to dictate when to sell. If I check and I see too many listed for close to what I bought them for, I don’t bother selling. Instead I just sit and wait for the market to return to the price where I want to sell at.