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3 Surprising Facts About Offshore Banking

There are a lot of myths and fake news about offshore banking. A lot of people think that there’s something unethical about anyone who keeps offshore accounts. However, offshore banks are legal and safe. International banking just means that you’re keeping your money in a bank that’s located in a country other than where you reside. Offshore banks are simply a different and secure way of managing your money. Here are 3 surprising facts about offshore banking.

1. You Don’t Need A Big Income To Open An Account

One of the misconceptions about offshore banking is that you have to have a six-figure income to open an account at an Offshore Bank. You don’t have to be wealthy and it’s easier than you may think. Not all international banks are like those in Liechtenstein, in which you must deposit at least $350,000. Even Swiss banks require a minimum of $10,000. Some offshore banks, usually public banks in several countries, allow you to open an account with less than $1,000. Some banks will allow new accounts with a $500 deposit.

2. Remote Banking Is An Option

Most people think that even if they have the funds to open an offshore account, they don’t think it’s practical for them. They’re under the impression that they have to travel to the country where the bank is located to transfer their funds. However, it’s not always necessary to open the account in person. Many offshore banks allow new customers to open their accounts remotely. Most banks allow new customers to submit the required documents. The approval process can take anywhere from a few days to three weeks. Once the account is approved, you can manage your funds by the Internet, phone, or fax.

3. Offshore Banks Are Strong

Offshore banks must operate according to the laws of the country in which they’re located with less intervention from the government and stricter financial laws. In developed countries, bankers don’t always face the consequences of mismanagement of client’s funds. However, bankers who manage international banks could go to jail for those offenses. Security and privacy of a customer are strictly enforced and limits information about account holders from being shared with third party sources. Account holders may transfer funds by a variety of methods including checks, drafts, or wire transfers. In the United States, a valid ID and proof of current address may be all that’s required to open a bank account. To open an account with an offshore bank, you may need the following documents:

  • Copy of your passport
  • Proof of current address
  • Bank statements
  • Resume
  • Letter of reference

With an offshore account, you can make global investments including precious metals, stocks and bonds, and real estate.

The requirements show that international banks are particular about clients that they allow to open offshore accounts. If you’re considering opening a new bank account, you may want to look into the options that are available from offshore banks.

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5 Benefits of Creating Custom T-Shirts

It seems a lot of people wear shirts; in fact, the t-shirt business has helped some businesses make over $100 million a year, which is not surprising since the custom t-shirt business is booming. It is clear to see that people want custom-made shirts, and the following are just five reasons these shirts are desirable.

1. Choosing the Desired Material

One benefit that is worth noting is the fact that custom t-shirts can be modified to fit the needs of the wearer. This means that you can choose to order shirts made with just fleece if you prefer the breathability and durability of this material. Others can simply opt for 100 percent cotton due to its breathability and stretchability.

2. Brand Recognition

Another great thing about custom t-shirts is that you will have the ability to promote and increase a particular brand or concept. A t-shirt is great advertising that is basically free after the initial investment. The reason that a shirt is such a good advertising tool is simply because t-shirts are very popular amongst all ages.

3. Proselytizing is Easier

People love to share who they are, and custom t-shirts provide that opportunity to those who decide to opt for these types of shirts. It is an easy way to proselytize a political position or belief. A person might have a hard time raising awareness about something, but with a shirt, all one has to do is walk down the street.

4. A Unique Shirt

There are many designs out there, and most people will agree that some designs look similar. This might make someone feel unoriginal if the shirt he or she is wearing looks like any other. A custom t-shirt can be stamped with interesting colors or patterns that are not sold anywhere. This is a great way to create your own custom style, especially for those who have an artistic eye.

5. Relatively Affordable

Shirts made with high quality materials are usually quite expensive, but this is something that one does not have to worry about with custom t-shirts. The middle man is eliminated. The material and printing is usually quite inexpensive. You will probably be given the opportunity to buy these in bulk, which will save you additional cash.

As you can see, there are a few reasons why a custom t-shirt may be the right choice for you.

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What is Hybrid Marijuana

Historically, cannabis has been separated into two species, cannabis indica and cannabis sativa. This distinction was first made in 1785 by French biologist Jean-Baptiste Lamarck. He noted that the cannabis plants he had found in India (indica) were intoxicating, while the cannabis plants grown for hemp in Europe (sativa) were not. But it’s not really as simple as that.

In appearance, sativa has narrow leaves, grows about twice as tall as an indica plant, and is less bushy than indica. The two species are thought to have different intoxicating effects, in general.

Cannabis Sativa


  • euphoric and energetic
  • contemplative and cerebral
  • best for daytime use

Cannabis Indica


  • relaxing and calming
  • physically inert, or ‘couch lock’
  • best suited for nighttime use

There are enough exceptions to this general rule to prevent simplicity in this, too.

Active Ingredients and Medical Properties

Of the 112+ cannabinoids (psychoactive compounds) in cannabis, the two that get the most attention are Tetrahydrocannabinol (THC) and Cannabidiol (CBD). THC is largely used to treat nausea, and CBD is thought to be an anti-seizure medicine, and both show a wide spectrum of other medical uses.

Generally, sativa plants have higher CBD:THC ratios while indica plants have higher THC:CBD ratios. What complicates this general division is the wide variety of strains available in each species, and the variety between those strains. Some sativa strains have more THC than some indica strains, and production of CBD is just as varied.

Professional and amateur growers have been very busy breeding new strains. Leafly currently lists 423 sativa strains, 646 indica strains, and 1109 hybrid strains. They don’t try to include all strains that exist.

What Hybrid Marijuana Is

Most growers who are developing new strains are trying to enhance a particular set of qualities that the parent strains possess, or combine one strain’s qualities with another’s. If one strain is indica and the other is sativa, the result is a hybrid.

This gets more convoluted yet. If a breeder crosses a sativa strain with a hybrid, the result is still a hybrid, but with stronger sativa influence. Some breeders are creating hybrids with cannabis ruderalis, a short, low-THC species that starts flowering without a change in light-hours. There are hundreds of new strains every year.

For consumers, it doesn’t really matter. Decide which effects you want to achieve with cannabis consumption, and search one of the many online databases for a strain that delivers the results you want. The odds are good that the strains that suit your purposes will be available in sativa, indica, or hybrid varieties.

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5 Reasons Every Home Needs a Ladder HTML view Note

Tools used in home improvement jobs and those simply for maintaining regular household functions are important to keep around. Often times, people purchase a drill, screwdriver, shovel, axe, or other piece of equipment only to use it one stinkin’ time. As long as you can afford to buy invariably useful tools to build to your collection, you’re nearly guaranteed to have a use for some or all of them in later weeks, months, and years.

However, many homeowners are quick to call handymen and construction workers to fix things around their homes. Investing in often-expensive home improvement tools is out of budget and scope of expertise for many homeowners. A majority of renters are quick to call landlords to install necessary repairs and fixes. Renters and homeowners should regularly spend small amount of money, in increments, to compile a thorough collection of home improvement tools — including ladders. Here are five solid reasons every home needs a ladder.

Changing lightbulbs, fixtures, and ceiling fans

Lightbulbs invariably go out — seemingly every few months — one-by-one, forcing homeowners to “Air Jordan” their way up there to replace lights, fans, and fixtures. Or, homeowners could simply fetch their ladder, lightbulbs, fixtures, or ceiling fans to clean and replace them.

Standard, traditional incandescent lightbulbs on their own burn out approximately every 1,000 hours, slightly over just 41 days of continuous run time. You will undoubtedly need a ladder on a regular basis for these inefficient lights, with upgraded energy-saving incandescent bulbs lasting between 1,000 and 3,000 hours.

Painting, applying sheetrock mud, and fitting wood putty

Every home, especially those with children, has its walls dented, scraped, and otherwise damaged. Paint is often the first layer to chip off walls, leaving them to look tacky. Ladders can be trusted to rappel one’s way up to high-up wall damages, unlike chairs or two-step ladders. Sheetrock mud and wood putty are fitted into sheetrock and wood — you could’ve guessed it — respectively.

Getting on top of the roof

Shingles fly off during storms, leaks occur from falling debris, and some homeowners may want to install solar shingles. All of these reasons are completely viable needs for owning a ladder.

Cleaning lofty areas

Tops of bookshelves, cabinets, appliances, and furniture are clean without the assistance of your handy-dandy ladder. Make sure your ladder is well-secured before hoisting your way up to clean ceiling fan blades, ceilings themselves, and other dusty spots.

Decorating for holiday seasons

Christmas lights look good when strung high-up out of anybody’s reach. Doing so without the aid of a ladder is markedly difficult. Even simple tasks like decorating Christmas trees is difficult to carry out completely near the apex of the faux-pine trees.

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  • What is Hybrid Marijuana

    Historically, cannabis has been separated into two species, cannabis indica and cannabis sativa. This distinction was first made in 1785 by French biologist Jean-Baptiste Lamarck. He noted that the cannabis… Read more »

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