swedish-credit-union-scam-or-not

Swedish Credit Union - Scam or Not

Writen by Gissela Martinez

Today on the internet we see numerous entities selling Swedish Credit Unions. The presentation is obtain what is basically a bank inexpensively and operate it offshore using a Panama Financial Services Company which does not let you operate as a bank. Will this work, theoretically yes. Practically the Swedish Credit Union will break down when it comes to the correspondent bank. What is usually done is an ordinary bank account is opened with a bank that has correspondent banks. Please bear in mind the fees to open a correspondent bank account usually are in the $200,000 + range. When your Swedish Credit Union starts pumping through 40 or so wires a week the correspondent bank, the bank that you have is using, will think their customer bank is operating as a correspondent bank and find some excuse to cut them off if they do not drop your account. Remember they want people to pay $200,000 to have a correspondent bank. Having the wires go through a Panama Financial Services Company mitigates the situation some since the credit union name does not appear in the wires. If one were to say process 3 or 4 wires a week with say three or four checks and the wires and checks were all made out to the financial services company, not a credit union, the scenario would probably have a reasonably long life. Of course you now really don’t need the credit union.

Bank Secrecy - Missing altogether. The Swedish Credit Unions do not have bank secrecy since they are from Sweden which is not a privacy jurisdiction. The Swedish authorities do not have reportage requirement for these companies but rest assured they can conduct an audit or request and require books and records readily because these entities are subject to Swedish taxation at a rate of about 30%. If one failed to comply they could cancel your corporation or credit union if you wish to name it such, or worse even going after you personally for fraud, income tax evasion, etc. Not a comforting thought. I should say the Panama Financial Services Company bank account would be covered by bank secrecy in Panama. If the Swedish Government alleged that you were operating some sort of financial institution like a bank taking deposits and making loans in Panama through this Panama Financial Services Corporation along with a corporation named as a credit union in Sweden, the Panamanian authorities would think you were trying to evade buying a Bank License (expensive licenses) and shut you down. Would they turn records over to the Swedish? That would depend on the allegations and if there was criminal case on file in Sweden for money laundering. If such a case was in the Swedish Criminal Courts I think under the circumstances the records would likely be turned over. Panama would likely deem you to be operating beyond the scope of a Financial Services Company if the Swedish government was complaining about one of their credit union named corporations, I would not think the Panama Government would be standing up for your company.

Legal Structure - The name of this so called Swedish Credit Union is an EKONOMISK F

Buy Natural Health Supplements - Natural Tonics for Health and Wellness

Buy natural health supplements? When looking to buy natural health supplements and natural tonics for health and wellness, chances are you’ll find your options are limited in local stores. Online, there are many possibilities. However, an important question is — how to know which natural tonics for health and wellness are legitimate ones that provide specific health benefits?

Ideally, vitamin and nutrient requirements would come totally from your diet. The problem is — many people make poor food choices every day. And even with a well-balanced diet, studies find that nutrient values of foods have been declining for decades because of soil depletion.

When looking to buy natural health supplements, leading the list should be the daily vitamin/mineral/nutrient supplement that is the basis of your supplement program. And all daily supplements are not created equal. Two important natural tonics for health and wellness should be considered these:

High-Quality Daily Vitamin/Mineral/Nutrient Supplements - a daily high-quality, broad-spectrum anti-aging natural supplement helps fill in the dietary gaps that everyone will have. Few persons obtain the minimum recommended servings of 5-9 cups of vegetables and fruits per day, for example, and thus do not obtain the health benefits associated with these vital foods.

And taking one of the cheap one-a-day vitamins is probably a waste of time and money. When considering to buy natural health supplements, vitamins and minerals are just the beginning. The body needs and will use a wide array of anti-aging natural tonics for health and wellness substances — amino acids, antioxidants, bioflavanoids, neuronutrients, herbal extracts, enzymes and other nutrients such as L-Carnosine, alpha lipoic acid and acetyl L-Carnitine and so on. And these nutrients must be in the correct proportions to each other based on the latest research.

Omega 3 Supplements - from heart and brain health to depression treatment to pregnancy health, Omega 3 benefits are too good to ignore if you are interested in health. Three of the top Omega 3 food sources are cold-water fish, grass-fed (not grain-fed) meat and eggs. Omega 3 oils provide DHA and EPA in a natural form that your body can easily assimilate. No conversion is required by the body as is required for flax oil, for example. Most of the clinical studies on Omega 3 benefits are based on fish oils from consuming fish and fish oil supplements.

In addition, other natural tonics for health and wellness to consider when you buy natural health supplements with specific health benefits proven by clinical studies are:

Natural Cholesterol Lowering Supplements - the most effective is policosanol which comes from sugar cane. Its cholesterol-lowering abilities are published in over 80 clinical studies, which are more studies than for most prescription drugs. Policosanol significantly lowers total cholesterol and low-density lipoprotein (LDL) cholesterol and increases high-density lipoprotein (HDL) cholesterol without the side affects associated with the statin drugs.

Arthritis Supplements - there are nutrients that have been shown to reduce inflammation, swelling and stiffness. Aiming to achieve long term pain relief by targeting the cause, not just the arthritis symptoms, should be the goal of arthritis natural tonics for health and wellness.

Sexual Enhancement Supplements - many sexual problems (and health problems) are related to nutrient deficiencies. In men, for example, men with impotency problems also suffer from cardiovascular disease, Type 2 diabetes or are taking prescription drugs which commonly cause sexual dysfunction problems. Restore your general health and your sexual health will automatically follow.

Is it possible when you buy natural health supplements that you can slow the aging process? Yes! Numerous clinical studies have shown and are still finding the health benefits of many of these nutrients. You can try to come up with your own supplement plan and take many different supplements individually. However, to buy natural health supplements and design your own supplement program is not the best way. It’s easy to end up with a dozen or more individual substances to take daily, which is both a hassle and expensive. And if certain substances are out of balance, they can combine to produce other unwanted compounds that can be harmful.

There are manufacturers that provide advanced nutritional products in one broad high-quality daily supplement. Nutrient quantities are combined according to the latest research, and individual ingredients are linked to relevant clinical studies and benefits. Learn as much as you can before you buy natural health supplements about the natural tonics for health and wellness you’ll be taking every day.

Copyright 2005 InfoSearch Publishing

Read more about women’s vitamins and supplements and vitamins for men. David Buster is VP of InfoSearch Publishing and webmaster of http://www.safemenopausesolutions.com - a website of natural health articles, reliable sources of natural health supplements and related resources.

[tags]buy natural health supplements,natural tonics for health and wellness,natural health supplements,[/tags]

why-you-should-reject-most-credit-card-offers

Why You Should Reject Most Credit Card Offers

Writen by Joseph Kenny

A lot of credit card companies want you to think that their offer is a good one - without really offering you good features. For instance, this morning, a credit card offer came in the mail. After looking it over, it was rejected - because it lacked the “right features.” It would have been unwise to sign up for that card. If you are thinking about getting a credit card - or maybe another one, there are some reasons why you may not want to fill out the next application that comes to you in the mail. Here are some things you need to look for to see if it really is such a good deal.

The Interest Rate

The first reason that this credit card was not a good one was because there were no introductory interest rates on the card at all. It was just for one rate - 9.9%. All purchases came into that interest bracket. Many cards will give you a 0% interest rate as their introductory offer for up to 15 months. That means that you pay no interest on your purchases for up to one whole year, unless your payments are late, or if you allow a balance to be carried over to the next month.

This particular interest rate, while not bad, is certainly not the best, either. Some credit cards go as low as 6.9% interest, and others may go as high as 17.9%. After the first year, though, your interest level becomes the regular amount of the card. Interest rates can change for many reasons - one of them being late payments. One of the things that will effect what interest rate you are able to get is your current credit rating.

Reward Options

Another reason why you should not accept just any credit card offer is because it may not give you the greatest opportunity to benefit from the rewards. Applications sent to you, or ads on the Internet may not cater to your particular needs. Find a card that offers rebates and rewards on the products and services that you use the most. Things like gasoline, air miles if you travel a lot, groceries, discounts on hotels, etc., will benefit you much more if you use these things on a regular basis. Things like air miles can actually help you to get enough air miles to make that trip that you have always wanted - just remember to find out how long they are good for - there is usually an expiration date after a couple of years.

Other Fees

This is one area where some credit cards can really take away a lot of your benefits. Look for things like processing fees, yearly fees, balance transfer fees, and fees for cash advances. The best cards, if you can get one, often will not have extra fees - or, possibly a minimal one.

In addition to the above, you need to know that things like only one late payment can remove your desired benefits and put you into the regular interest rate for the card. Other cards may require you to have a minimum balance in order to get their benefits.

Every credit card offer will always have some nice feature in bold print that will get your attention. That’s not where you should look, though. Instead, focus on what is in the small print - that’s where the nitty-gritty details really are, and you will want to read these first.

save-money-with-financial-homework

Save Money With Financial Homework

Writen by Martin Lukac

Americans like choice, but it isn’t always that great of a thing. For example, have you ever been frustrated when no one wants to make the decision of where to eat? Too many choices often confuse us or leave us avoiding the decision. Especially when it comes to finances.

A report from AARP showed that all of the financial choices available have simply led to confusion for many baby boomers. Many baby boomers consider themselves to be poor financial managers.

One of the top reasons that consumers are hindered by the plethora of choices is simply a lack of time. Many people don’t have the time to sit and research the ever-expanding menu of mutual funds, mortgage products and retirement options.

Lack of financial knowledge is also a problem. Most Americans, almost 40%, actually believe that lenders are required by law to give borrowers the best possible mortgage rates. This isn’t true. Consumers must shop around for the lowest rates and the best mortgage terms. Those who believe the above are more likely to fall victim to predatory lenders who charge high interest rates, according to the AARP.

There are many consequences that come with poor financial decisions. What should you do to avoid making mistakes?

Start with a little financial homework.

Shop around. There are significant differences in the prices of goods and services of similar quality, yet only half of all consumers bother to compare the prices. For about 40% of products, the highest price on the market is more than double the lowest price, even when there is no difference in quality. The average household could save around $1,000 a year simply by comparison shopping.

Look for ways to save. By reducing your expenses, you can save a lot of money. If you were to simply take a second job, you would probably be subject to higher federal and state income taxes. If you are in the 15% bracket, you would only increase your household income by $1,000 for every $1,389 you earn. Pay attention to the product. There are so many financial products and services available to consumers. There are many that are great, but there are a lot of investments that are risky. Many consumers don’t understand the risks. For example, mutual funds and insurance aren’t federally insured and guaranteed, even though they may be offered by a bank.

Learn the basics. Take the time to learn about every type of investment or financial matter that you are going to undertake. Find out the pros and cons of CDs or money market accounts. Research how to buy a new car. Don’t buy a new home without considering the risks of the adjustable mortgage you are considering.

Basically, the only way to be truly financially sound is to make sure you know what you are doing. With a little research and education, you can be sure that you are on the right track when it comes to your finances. A little homework can save you a lot of money.

Discount Health Supplements

With health supplements taking the medical industry by storm, there has been an unprecedented hike in the demand for these supplements. Offering highly effective treatment options for innumerable health problems, these supplements have now become a force to reckon with. These previously unknown supplements are now becoming an integral part of everyday life due to their extremely user-friendly features.

With increased demand, the competition in the market is very stiff, with thousands of pharmaceutical companies engaged in developing newer health supplements which are even more effective. As a result of this, similar health supplements are now available under various brand names. To keep abreast of this cutthroat competition, it has become imperative for manufacturing companies to adopt aggressive marketing strategies to promote their products.

To lure customers, the health supplements are now being promoted with extensive discount schemes and free trial options. These products are not only being sold online at discounted rates, but are also being extensively promoted on the Internet. There are many websites that not only inform the visitors about the advantages of these supplements, but also offer free samples. Moreover, these products are available online with heavy discounts, free shipment schemes, free trial options and information guides.

Filled with natural ingredients, health supplements offer the opportunity to cure ailments in a very simplified manner. Whether it is losing extra pounds, anti-aging therapy or treating memory loss or stress, these supplements have become popular due to their user-friendly approach. Popping a pill to lose weight or to keep blood pressure at bay is an extremely easy way out for those who do not have time to indulge in elaborate therapies.

Health Supplements provides detailed information on Health Supplements, Natural Health Supplements, Discount Health Supplements, Alternative Health Supplements and more. Health Supplements is affiliated with Discount Nutritional Supplements.

[tags]Health Supplements, Natural Health Supplements, Discount Health Supplements, Alternative Health Supp[/tags]

solve-your-financial-dilemmas

Solve Your Financial Dilemmas

Writen by Jeff Lakie

No one likes to budget. It’s a lot of work for little reward. But the secret of budgeting and personal financial management is simply to ensure that there’s just enough money left over each month to pay your bills and maybe have a little fun. Many people do not budget but it should be done to really help you get ahead.

If you have made poor financial decisions over time - and it happens to the best of us - you may have allowed your bills (your loans) to get out of control. This could come back to haunt you if you want a loan for a car or a house or anything else you need to get a loan to buy.

Here’s what you need to make sure that you have control over your financial situation. Here are some valuable budgeting techniques to guide you in your expenses and income.

The first thing you want to do is make sure that you pay for your utilities on time and in full every month. Don’t wait until it’s too late to pay them. The second thing you need to do is make sure that you don’t have too many credit cards. Only a few credit cards are necessary to get by in life. You should consider cutting up the rest of them. And the third thing you should do you, if your bills have gotten the best of you, is to consolidate them into a single loan. This will enable you to pay them off over time without getting slammed with high interest rates.

Finally, establish a budget for yourself. This seems difficult and that’s why most people don’t do it. And because people don’t have a budget they find themselves in financial straits.

The easiest way to establish a budget is to take a draw a line down the middle of a piece of paper. On the left, write down your after tax household income. Be sure to write down the after tax amount as you want to measure available income only. After all, you don’t get to spend the before tax amount, right?

In the right column, list an average of each monthly bill. But you should also include your typical spending habits as well, like eating out, or impulse shopping. Don’t forget to include paying off your credit card as part of the bills!

Now that you have a list of income and expenses, see if there’s a way to increase your income, or reduce your expenses. Usually you’ll find a way to do a little to both.

While it seems so simplistic, so few people do it. And yet, creating a budget and sticking to it often separates the successful people from everyone else. What’s stopping you from doing it right now?

9-ways-to-outsmart-an-identity-thief

9 Ways To Outsmart An Identity Thief

Writen by Andrew Obremski

Identity theft statistics are shocking, to say the least. And it’s not going to get better any time soon. But there is no need for you to become a statistic. Here is what you can do to avoid identity theft.

1. If your mail box doesn’t have a lock yet, put one on.

If you had any official letters missing recently from your mail box, the chances are somebody has stolen them to find out things about you, and possibly assume your identity. If it didn’t happen to you yet, count yourself lucky and put the lock on the mail box anyway.

2. Consider renting a PO Box at your local post office. Use it as a postal address for most or all mail. This will be particularly useful when you go away for a few days, or if there is no one home for most of the day.

3. Invest in a good paper shredder, preferably a cross-cut type.

You should never just tear up important documents. But what may not be so obvious is that the pre-filled offers you get from banks, credit card companies, insurance companies and the like, also contain sensitive details about you that would be of interest to identity thieves. Shred all of these before throwing them out.

4. Never give any financial details over the phone, unless you initiated the call.

The most common scenario: Someone calls you pretending to be from a local charity. You agree to donate a small amount to a “good cause”. Not suspecting anything, you give them the credit card details over the phone and the rest, as they say, is history. Next time you get your credit card statement, it will be full of unauthorized transactions.

Do you give them credit card numbers over the phone? Never! Either ask them to send you some leaflets in the mail, or get their phone number so you can verify they are who they say they are, before donating any money.

Another scenario: Someone calls you “from a local bank”. All they want to do is verify your financial details. Again, I don’t care what they tell you, don’t do it. Ask them to leave their name and contact number so you can call them back. Next, get your local bank’s phone number from a phone book and give the bank a call (don’t use the number they gave you, as the thieves maybe just waiting on the other end). Ask people at the bank if someone was trying to contact you. You may find out they know nothing about it! The fact is, your bank already has all the details they need about you, in the vast majority of cases.

5. A fake “charity worker” knocking on your door? He or she may even have an authentic-looking id. What do you do? Well, if you give them some small change, then this is all you’ve lost. But if you donate the money using your credit card, you just became a victim of identity fraud.

Of course, many times a real charity worker will be knocking on your door. What do you do if you really want to help? Ask them to leave a leaflet with you, so you may read it when the time is a bit more convenient. Or ask them for a phone number and the charity name so you can call them. If it turns out to be genuine, you can always send them the money later.

6. Consider changing your phone number to a silent number. This will considerably minimise the number of calls you get from both tele marketers and identity thieves. There are other advantages to having a silent number as well. Generally a silent number tends to increase your privacy.

7. Never store you PIN numbers or passwords near you plastic cards or account details.

Yes, I know. You want to keep your PIN number close to your plastic card, just in case you forget it. You may even disguise it as another number. Guess what. If a thief gets hold of your wallet, they will try any numbers they can find in it, to steal the money from your plastic card account. It’s true, after a few unsuccessful attempts the account is usually locked. But even that would inconvenience you, to say the least. And why risk losing your hard-earned money?

8. Don’t use credit cards in restaurants or other places where your credit card can be taken away from your sight for even a minute. Before you know it, your card could be scanned and used by thieves to buy all sorts of goods, particularly via telephone shopping, mail order, and online shopping.

9. And finally, there is a huge and growing subject of Internet identity theft. You can read our article on Internet identity theft at www.credit-report-a-z.com/internet-identity-theft.html.

We obviously didn’t cover everything here. But hopefully this article opened your eyes to some easy, common-sense, ways to prevent someone from stealing your identity and/or your money.

Will it guarantee that you never fall a victim? No, but it will go a long way towards making a life of a thief very difficult. Usually, if you make life difficult for them they will move on to an easier target.

There is one more thing you should seriously consider. Checking your credit report regularly. It’s not uncommon for an identity thief to apply for a loan, or a credit card, under your name. Of course, they have no intention of ever paying it back. All other issues aside, this will affect your credit rating and borrowing capacity for years, unless you clean it up quickly.

There are inexpensive services available that will monitor your credit files all year round and notify you the minute anything in your credit file changes. Or you may prefer to check your credit report yourself every few months.

Oh, and those shocking statistics I mentioned earlier? According to recent studies, up to 7,000,000 people became a victim of identity theft in the past 12 months. That’s more than 19,000 people a day. Don’t become a statistic! Do something about it today.

uk-finance-for-business

UK Finance for Business

Writen by Jeff Lakie

Running a business and becoming successful in that venture requires a lot finance and financial assistance. In UK finance for business can be got from different sources. Business related financial services are provided by many organizations in that field. UK finance for leasing a company or organization, UK finance for debt collection, UK finance for Venture Capital can also be arranged.

There are companies that help a business in hire purchasing and arranging for leasing. You can approach such dedicated companies for such services. UK Finance for hardware funding for the information technology business is also available in companies. Leasing services for small businesses, agricultural and industrial funding operations are available in companies dedicated to that service. A company called Richard Mares Asset Finance in UK finances for agricultural and industrial setups. If you need information on UK finance for equipment leasing, mortgages and commercial finance then you can approach companies like 1st Leasing Company and 1pm.co.uk. Many options for UK finance are available with them. Just check out their website for more details on the different types of finance available with them. For UK finance from

free-mortgage-quote-online-why-you-need-one

Free Mortgage Quote Online - Why You Need One

Writen by Ben Ehinger

Why should you get a free mortgage quote online? What can it do for you and why would you want to get a free mortgage quote online? There are a few benefits of getting an online mortgage quote.

Benefit #1 - It is a fast way to compare many different companies at once

When you apply for an online mortgage quote you can compare multiple lenders at one time and have them contacting you. This is a fast way to shop around and find out what type of loan you can get.

Benefit #2 - It will be better for your credit because they will only pull one credit report

When you apply for an online mortgage quote to compare lenders they will pull one credit report, some don’t even pull a credit report, and deliver it to all the companies. This protects your credit from being hurt from too many inquiries.

Benefit #3 - Online quotes come faster than having to call multiple companies

You will save time and money when you get an online mortgage quote. You will be able to get quotes from 5-10 companies within a few days from one application. To do that without an online quote you would spend hours on the phone and more time faxing documents. Save time and money by getting an online quote

There are three good reasons to start your mortgage search with an online quote. You will save time, compare more lenders, and save precious credit points. Get your online quote today and you will thank me later.

benefits-and-requirements-of-the-thrift-savings-plan

Benefits and Requirements of the Thrift Savings Plan

Writen by Tara Crooks

We’ve all been hearing about it, TSP, so what is it? The TSP, or Thrift Savings Plan, is a retirement savings plan for civilians who are employed by the United States Government and members of the uniformed services. This plan is similar to a 401(k) retirement plan used by the private sector.

So why would you choose to invest in TSP? There are several reasons to choose the TSP for your retirement savings. Some of those include but are not limited to:

You save money on income taxes.
You have a choice of 5 investment funds.
All of the money you have deducted from your pay goes into your investment account, and no income tax is deducted.
You don’t pay the tax until you withdraw money, usually during retirement.
Contributions of your tax-exempt combat or hazardous-duty pay retain their tax-exempt status, so you won’t pay tax on this money, even when you withdraw it.
If you need access to your money, you can borrow from your TSP at a low rate of interest.
Personal loans can be for up to five years.
Loans to purchase your residence can be for up to 15 years.
Your loan is repaid through payroll deductions; it’s like borrowing from yourself.
TSP offers in-service withdrawals for financial hardship, or after age 59.
You are given a choice of post-separation withdrawal options.
You are given the ability to transfer money from other eligible retirement savings plans into your TSP account.

So how do I start investing in a TSP now? Investing in TSP is fairly simple. If you have access to your MYPAY account you can do this online at www.mypay.gov. You may also elect to do this with your Unit Finance Office by filling out a TSP-U-1 form. To calculate your contribution (per paycheck) to the TSP, multiply your paycheck by the percentage you wish to contribute. For example, if you wish to contribute 1% of 1000.00 you would be contributing 10.00 per month to the TSP. You might consider investing all of the following to produce a nice nest egg for your future - bonus pay, special duty pay, extra pay from non-taxation etc. You can earmark a portion (up to 100 percent) of these extra pays to go directly to the TSP. It’s a smart use of extra money. If you can’t put it all in, consider putting in half. Remember, you cannot participate with your extra pay unless you also have some contribution coming out of your base pay, so consider starting small, if need be.

There are a few things to remember, should you need to withdraw from your TSP. Any time you take money from your fund, you are taking money out of your retirement. So really think about it before you withdraw and consider any and all other options. Before you take out money, you might consider taking a loan from the plan. You would be paying yourself back through payroll deductions, and essentially borrowing from yourself. Remember should you have to make a withdrawal; you must pay taxes and possible penalties.

If you have specific questions regarding the Thrift Savings Plan or your TSP account, you can find all your answers on the TSP.gov home page. Their number is (504)255-8777. Another great source of information is located here: http://www.tsptalk.com/.

Sources used for this article: www.opm.gov, www.tsp.gov, and www.tsptalk.com.

© 2006 Army Wife Talk Radio

Publishing Guidelines: Thank you for publishing this article in its entirety including the resource box. Please make all links clickable within the text. Please notify me of publication by sending either a website link or a copy of the syndication upon publication via email info@armywifetalkradio.com.

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