Global Money Transfer

Global Money Transfer
4 ways to send money abroad

1. Money Transfer Services. There are various services for retail or online money transfers. Xoom is the best known, most secure and reliable online service. If you open an account with them, you can send or receive money within minutes to/from other people around the globe. You pay the lowest fees in the market for your transfer. Recipients do not require a bank account or Internet connection to receive funds.
2. Post Office. Wire transfers can also be offered by the U.S. Postal Service. Your recipients can receive their funds from various bank branches up to $2,000 per day. For transfers exceeding $1,000 proper identification is required. According to the amount you send a fee ranging from $10 to $20 will be charged for each transaction. Your recipient’s name on their documentation should match exactly the name on the money transfer. Multiple money orders are subject to a daily maximum of $10,000 where as each money order is restricted to a maximum of $700. Your recipients will get local currency upon cashing their money orders. Local or damaged money orders can be claimed with a valid receipt. The cost of $3.25 each applies to any International money order of a value up to $700. Money orders can also be purchased at banks at a slightly higher price.

3. Banks. There are programs serving foreigners send money home that are developed by major U.S. banks as well as local smaller banks. Recipients can claim their money from partner banks where the funds were wired. Certain banks may require you to have an active account with them, so research your local branches for such services. You can also send funds by purchasing stored value cards offered by major U.S. banks. These cards are similar to credit cards with the difference that the amount has to be deposited in advance. Recipients can name purchases at stores that accept major credit cards or withdraw money from various ATM locations. Several banks will issue a check card connected to your U.S. account for your family members abroad. Check cards withdraw funds directly from your checking account and look like common credit cards.
4. Credit Unions. IRnet is a service that electronically transfers funds between credit unions’ members. Several countries in Europe, Africa, Latin America, and Asia are served by IRnet including 3,000 locations nationwide.

Capital conservator Trusty Service
Benefits include:
a low profile, private alternative to offshore banking
simple, non-intrusive account opening paperwork
minimal documentation for transactions
Low profile Alternative to Offshore Banking
We offer streamlined anonymous access to financial accounts and precious metal
repositories through Capital Conservator master accounts.
Simple Account Opening Paperwork
One simple application process will save hundreds of hours of paperwork and months of waiting that would be required if the customer were to open these non-resident, international accounts on his own. Click here to open an account.
Security & Support
Real people operate Capital Conservator. We are not just a website. We maintain a physical presence in Uruguay and Moscow. We are operated by professionals with many years experience in banking and offshore finance. We make it easy to talk to our professionals. We maintain phone numbers in the UK, Canada and the US. Click here to find out more about the people that make Capital Conservator work.
Speed & Flexibility
Opening an account with Capital Conservator allows a customer to deposit funds and send and receive bank wires immediately. Special arrangements can also be made to trade securities, buy and sell precious metals, and perform most other international financial transactions.
Authority
Capital Conservator is a Financial Investment Company authorized by the Government of Uruguay* to carry out offshore commercial operations on behalf of third parties, including:
effecting investments abroad
functioning as a portfolio corporation
holding bank accounts in foreign currency
managing securities accounts
owning real estate, and
operating as a financial or treasury parking center

Welcome to MoneyGram
MoneyGram has been providing trusted payment and financial services since 1940.
The safe, fast way to send and receive money worldwide. MoneyGram

Privacy Policy: Nonpublic Personal Information Collected in the United States

All financial institutions are required by law to have in place policies regarding the collection and disclosure of information considered to be "nonpublic personal information." MoneyGram International is considered a financial institution under this law.

We obtain nonpublic personal information about our consumers from information that consumers provide on transaction forms and applications. This information is necessary to facilitate the consumer's transactions. We do not collect nonpublic personal information about our consumers from any other sources.

We may disclose some or all of the nonpublic personal information described above to independent contractors and service providers for the purposes of processing requested transactions or to perform marketing and similar services on our behalf with respect to our own products and services. Our agreements with these service providers contain confidentiality provisions and restrictions on using this information for any other purposes. We do not disclose nonpublic personal information about our consumers to anyone for the purpose of marketing or soliciting products or services other than our own.

Access to non-public personal information about our consumers or our consumers' transaction history is restricted to employees, independent contractors, or service providers who need to have access to that information to process our consumers' transactions. We may also disclose certain information as required or permitted under applicable law, for example, to government agencies. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard our consumers' nonpublic personal information.

Note: Effective February 22, 2007. The practices and policies contained in this disclosure are applicable to MoneyGram International, MoneyGram Payment Systems, Inc. and FSMC, Inc. They are subject to change, but we will communicate any material changes as required by applicable law.

Inferlity Center

Welcome to the Infertility Center of St. Louis Website
Over the last 30 years, Sherman J. Silber, M.D., has pioneered most of the “miracle” infertility treatments now accepted around the world for male as well as female infertility. These breakthroughs include microscopic vasectomy reversal, intra-cytoplasmic sperm injection (ICSI), egg freezing to preserve fertility, ovary transplantation, and improving success rates with in vitro fertilization (IVF) and reducing costs.
Dr. Sherman J. Silber, M.D.
We intend for this site to provide you with solid, extensive information on the latest in infertility, and to provide some information about our center. If you have any questions or would like even more information, please feel free to contact us.

In 2005, Dr. Silber published a completely revised and updated version of his classic book, How to Get Pregnant, which lays out in simple, clear terms the basic information that will help infertile couples learn how they can have a healthy, happy baby, and help younger women preserve their fertility.

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“Infertile couples from all over the world come to St. Louis, Missouri, to chase their dream, because Dr. Sherman Silber and his team are simply the best there is.” – Discovery Health Channel Documentary

Discovery Health Channel June 2004 Documentary
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Dr. Silber explains infertility treatments in depth in these two videos, optimized for all connection speeds:
Assisted Reproductive Technology (ART)
Dr. Silber explains Microscopic Vasectomy Reversal (MVR): What works, what doesn't work, and why
Vasectomy and Tubal Ligation Reversal:
Microscopic vasectomy reversal allows men who have had a vasectomy to become fertile again. Tubal ligation reversal does the same for previously sterilized women. Vasectomy reversal is performed under a microscope with very high magnification, using delicate instruments and suture that Dr. Silber designed specifically for this surgery. Dr. Silber re-operates on many men who have had unsuccessful vasectomy reversals elsewhere. Dr. Silber was the first in the US to perform microsurgical tubal ligation reversal, and was the first in the world to develop microsurgical vasectomy reversal. He has a success rate over 95% and has performed over 8,000 procedures, dwarfing all other centers in the world.

Vasectomy reversal technical video
IVF and ICSI:
In vitro fertilization (IVF) means that fertilization takes place outside the body, in a small glass dish, and the fertilized eggs, i.e., embryos, are then placed directly into the uterus. IVF was originally used in cases where the fallopian tubes are damaged preventing natural pregnancy, but now it is successful for virtually all types of infertility. Intra-cytoplasmic sperm injection (ICSI) is recommended for fertilization to make sure the sperm (even poor quality sperm) fertilizes the egg properly. In ICSI, the eggs and the sperm are fertilized in the laboratory, by direct injection of a single sperm into each egg. The resulting embryos are then simply placed into the uterus with no surgery, just as with IVF. Dr. Silber and colleagues in Brussels were the original developers of intra-cytoplasmic sperm injection for the severest cases of male infertility, even azoospermia.

ICSI discussed on ABC World News Tonight
ICSI technical video

Egg and Ovary Banking to Preserve Fertility:
There are now techniques to literally freeze your biological clock [see video] and preserve your fertility so that you can have children later, when you are older and ready to have children. Egg, ovarian tissue, embryo, and sperm can all be preserved indefinitely, and furthermore we have perfected our freeze/thaw procedures to achieve success rates which are just as high as with "fresh" eggs. We even have the ability now to determine precisely where you are on your biological clock [see video], so that you will know exactly how long your fertility can be expected to last.

Dr. Silber discusses Egg and Ovary Banking to Preserve Fertility
Fox 2 News video on Antral Follicle Count


Dr. Silber explains Antral Follicle Count on New York network TV.
Channel 11 News video on Freezing Your Biological Clock

Video Showing the Vitrification Process
New Way to Extend Fertility: Freeze Ovary Tissue Wall Street Journal; April 26, 2007
Ovary Transplantation:
First with identical twins, now with non-identical sisters. Using the same technique to freeze the ovary before cancer treatment, we can hold your biological clock so you can have children at a later time. Click the links below to learn more about ovary transplantation:

Ovarian Tissue Transplant technical video
Whole Ovary Transplantation Between Non-identical Sisters - Fox News St. Louis


Trailer for BBC Documentary - “A Child Against All Odds: Gift of Life” Featuring Dr. Silber
Other procedures:
There are many other procedures that a couple battling with infertility can utilize. GIFT (Gamete Intra-Fallopian Transfer) is a reproductive technique for couples with religious objections to IVF whereby the husband's sperm and the wife's eggs are placed directly into her fallopian tube. Sperm aspiration is the technique for retrieving sperm directly from the testicles of men who have no sperm in the ejaculate. With advanced cryogenic technology, sperm, eggs, embryos, and ovarian tissue can be stored indefinitely to better ensure one's future fertility. This website contains detailed information on embryo freezing and sperm aspiration, as well as sperm and egg freezing.

Sperm aspiration technical video
Ovarian tissue freezing in the news


“Freezing Your Biological Clock” in the news
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The Infertility Center of St. Louis also offers pre-implantation genetic diagnosis (PGD) of embryos. This reduces the risk for miscarriages and multiple pregnancies, and provides screening for birth defects such as cystic fibrosis, muscular dystrophy, Tay-Sachs, and Down's syndrome, etc.

PGD in the news
Other information:
Dr. Silber also answers some common questions about infertility in our Frequently Asked Questions section, and in transcripts from his guest appearances in an online chat at TalkCity.com and an online chat at Mom.com.

In the News focuses on important developments in the science of infertility treatment, with articles of general interest and a selection of some of Dr. Silber's scientific research papers. Also take a look at our selection of online video and audio (Media Library), optimized for downloading. Dr. Sherman Silber's detailed book, completely revised and updated in 2005, is summarized in the How to Get Pregnant section, as is a complete bibliography, for those who wish to study the field more deeply.

A Special Message From Dr. Silber About Your Biological Clock and Preserving Your Fertility
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Two of Dr. Silber's patients relate their experiences receiving care at the Infertility Center of St. Louis.

Life Vision International!

Life Vision
Nu kan vi stolt presentera höstens mest spännande nyhet: Framgångsresan till Agadir, Marocko! Det är här den ultimata resan för dig som vill få ut det mesta av dig själv och ditt liv. En hel veckas intensivt fokus på ledarskap, försäljning, visioner, värderingar och med det som gör allt det andra möjligt som bas: Hälsan! Vill du veta mer innan du tar beslut om att boka så hittar du inbjudan genom att klicka på bilden:
Nu kan vi stolt presentera höstens mest spännande nyhet: Framgångsresan till Agadir, Marocko! Det är här den ultimata resan för dig som vill få ut det mesta av dig själv och ditt liv. En hel veckas intensivt fokus på ledarskap, försäljning, visioner, värderingar och med det som gör allt det andra möjligt som bas: Hälsan! Vill du veta mer innan du tar beslut om att boka så hittar du inbjudan genom att klicka på bilden:
Denna sida är skapad utifrån min personliga livsvision "Att inspirera, utbilda och göra skillnad i tillräckligt många människors privata och professionella liv för att göra en positiv skillnad i världen."

Så oavsett om du är här för att få veta mer innan du bokar ett livsförändrande seminarium för personalen på ditt företag, eller om du helt enkelt vill lära dig mer om det allra senaste inom personlig utveckling och prestationspsykologi för att snabbt lösa dina problem och bli ännu bättre på det du gör, så är det min förhoppning att du här hittar mer än det du söker...
Gör ditt liv till ett mästerverk, Hur kan du och jag, i denna snabbt skiftande värld, skapa balans mellan vår tid, våra känslor, vår hälsa, våra förhållanden och ekonomi på ett framgångsrikt sätt? Hemligheten är att definiera vad vi verkligen vill och sedan lära från dem som redan är absolut bäst på vad de gör.

All framgång lämnar spår och när du väl vet receptet för framgång, kan du komprimera årtionden till timmar och på rekordtid uppnå vad som tills helt nyligen bara var en dröm...
Anders Haglund
Certifierad Trainer of NLP av grundaren Dr. Richard Bandler
Anthony Robbins Mastery University Graduate
University of South Florida, Tampa
4-årig Teknisk El- tele
Europamästare och Spansk Mästare i golf; Europatouren 1996
Certifieringar

Precis som det har gjorts enorma framsteg inom all annan teknik och forskning de senaste åren, så har det även gjorts banbrytande upptäckter om hur vår kropp och hjärna fungerar. Detta har gjort att vi nu kan överföra förmågor från en person till annan. På så vis kan vi, genom att studera dem som är bäst inom respektive expertområde och sedan kombinera det med det allra senaste inom personlig utveckling och prestationspsykologi, hjälpa vem som helst att snabbt prestera mycket bättre i livets alla situationer.

Vi har redan hjälpt säljare att tillgodose sina kunders behov, sälja mer och ha roligt under tiden, idrottsmän har fått snabb hjälp att prestera ännu bättre och chefer har fått ta del av de bästa ledarnas recept för framgång.
Vi har även hjälpt dyslektiker att stava mycket bättre inom loppet av ett par timmar. Fobier tas bort på halva den tiden, tala inför folk blir lätt och deprimerade människor kan återfå livsglädjen inom samma tidsram. Dessutom kan vi minska din sjukfrånvaro till ett minimum.
Detta genom kost- och träningsprogram som tar bort och förebygger de flesta fysiska åkommor. Förkylningar, ryggont, nackbesvär etc. blir ett minne blott.
Den djupa kunskap som ligger till grund för sådana transformationer kan givetvis användas för att rekordsnabbt hitta motivation, trivas och prestera bättre, både på och utanför arbetsplatsen. Aldrig tidigare har det varit möjligt att, så här snabbt och elegant, ge människor tillgång till sina bästa resurser.

(Life's Vision International is a fully licensed, non-profit* international adoption and humanitarian aid agency that serves parents and children worldwide. We believe that every adoption involves a parent and a child who have a unique connection and are actually seeking each other.

Our Life's Vision
To reach out and clasp that tiny hand of a hopeful child with a not so tiny dream.
Hope, in a little one's eyes, is our inspiration.
Their future, is our motivation.
We envision a life nurtured with love, stability and a promise of a better tomorrow for every child.

PROGRAMS & PROGRAM NEWS
• China
• Ghana - 8 children have been awarded permanent adoptions by the Ghanaian courts and one child is home!
• Guatemala - New important information about the status of adoptions in Guatemala.
• Haiti - We have waiting children, some with scholarships.
• Nepal

ADOPTION RESOURCES
Our next Information Meetings are:
May 8, 2007
June 12, 2007
October 9, 2007
Join us to learn about the international adoption process and meet other families just starting out on their journey. These free meetings are always held in Bellevue on the second Tuesday of each month.
One on one meetings are also available at no charge. Please call for an appointment.

VOLUNTEERS NEEDED
We regularly have great volunteer opportunities for those looking for a way to help care for the children of the world. Current oppportunities available include:
• Administrative work in our Bellevue office.
• Assistance with fund raising events/projects.
• Assistance with preparing for humanitarian aid project mission trips.

HUMANITARIAN AID
We are going to Ghana August 8 - 16, 2007 to build a sick bay at one of our orphanages. If you have a strong desire to go to Africa and want to make a difference consider going with us! Cost is $600 plus airfare. Please contact Lois at (425) 614-3938 or lois@lifesvision.org with questions or to get an application. We hope you can join us!!

SIMPLE WAYS YOU CAN HELP LIFE'S VISION INTERNATIONAL
Raise money for Life's Vision International's Humanitarian Aid efforts just by shopping online! Go to iGive to learn more and sign up. It's all free!
Did you know Life's Vision International is a registered Washington State Charity? That means you can choose LVI as your charity for your work place giving campaigns. Just use our Registration #21835.

Real Estate

Real Estate
The terms real estate and real property are used primarily in common law, while civil law jurisdictions refer instead to immovable property.

In law, the word real means relating to a thing (from Latin res/rei, thing), as distinguished from a person. Thus the law broadly distinguishes between [real property] (land and anything affixed to it) and [personal property] (everything else, e.g., clothing, furniture, money). The conceptual difference was between immovable property, which would transfer title along with the land, and movable property, which a person would retain title to. (The word is not derived from the notion of land having historically been "royal" property. The word royal — and its Castilian cognate real — come from the related Latin word rex-regis, meaning king.)
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Business sector:

With the development of private property ownership, real estate has become a major area of business. Purchasing real estate requires a significant investment, and each parcel of land has unique characteristics, so the real estate industry has evolved into several distinct fields. Specialists are often called on to valuate real estate and facilitate transactions. Some kinds of real estate businesses include:


*Appraisal - Professional valuation services
*Brokerages - Assisting buyers and sellers in transactions
*Development - Improving land for use by adding or replacing buildings
*Property management - Managing a property for its owner(s)
*Real Estate Marketing - Managing the sales side of the property business
*Relocation services - Relocating people or business to a different country

Within each field, a business may specialize in a particular type of real estate, such as residential, commercial, or industrial property. In addition, almost all construction business effectively has a connection to real estate.

"Internet Real Estate" is a term coined by the internet investment community relating to the parallel that exists between high quality internet domain names and real-world, prime real estate. Many internet companies actually use the address of properties as domain names.
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Mortgages in real estate

In recent years, many economists have recognized that the lack of effective real estate laws can be a significant barrier to investment in many developing countries. In most societies, rich or poor, a significant fraction of the total wealth is in the form of land and buildings. In most advanced economies, the main source of capital used by individuals and small companies to purchase and improve land and buildings is mortgage loans --bank loans for which the real property itself constitutes collateral. Banks are willing to make such loans at favorable rates in large part because, if the borrower does not make payments, the lender can foreclose by filing a court action that lets them take back the property and sell it to get their money back. But in many developing countries there is no effective means by which a lender could foreclose, so the mortgage loan industry, as such, either does not exist at all or is only available to members of privileged social classes.

Trade & Investment

Promoting Trade and Investment

The defining purpose of the International Trade Administration (ITA) is helping to create economic opportunity for American workers and businesses. By promoting trade and investment we are promoting prosperity and a better world.

To increase trade and investment, ITA helps U.S. companies navigate foreign markets. We help educate companies about how to tailor their activities to the specific market with respect to their product slate, financing, marketing, assembly and logistics. While the United States exports more than any other country, making that first export can still be a daunting challenge for a small or medium sized business. ITA helps equip those businesses with the knowledge and tools that they need to meet that exporting challenge, and by extension, promote the trade and investment that helps us all.

The U.S. Commercial Service is the trade promotion arm of the U.S. Department of Commerce's ITA. The Commercial Service has 108 offices located throughout the country and 150 around the world, covering 96 percent of U.S. export markets. Its Web-based services are provided through the U.S. government's export portal, export.gov. At export.gov you can locate the U.S. Export Assistance Center nearest you or call 1-800-USA-TRAD(E) (1-800-872-8723).

Modern Jewellary

The Diamond Market
There are fewer than 200 or so companies or people authorized to buy these rough diamonds from De Beers. These “sightholders” tend to meet in Antwerp, Israel, London, and New York. They trade under the organizations of “The Syndicate”, “Central Selling Organization”, “Diamond Trading Company”, “Antwerp World Diamond Center” where these sightholders will sit across from each other and haggle ( to argue in bargaining ) on the numerous rough, polished and industrial diamonds through a formal contract of a simple handshake with the words “Muzel” exchanged.

Diamonds are the most coveted of all precious gems, as is witnessed by the extremely high demand for them. While this has not always been the case, diamonds are nonetheless exquisite gems that go through a long, tedious refining process from the time they are pulled from the ground to when you see them in the jewelry store. And, while some of the mystique of diamonds may be gone -- they're just carbon, after all -- the diamond will likely continue to be a highly coveted jewel, because, well, "A Diamond is Forever."

Online Banking

ONLINE BANKING


Online, there are no lines.
Citibank Online lets you take care of business without visiting a branch — you can pay bills, view account activity, make transfers, send wires, and use a wide variety of self-service options
Award Winning Online Banking
With Online Banking, you can do just about everything you need to do without ever visiting a branch or calling.

Free online bill payment — Make payments to virtually anyone in the U.S. anytime.
E-mail and wireless alerts — Have account updates delivered to your cell phone or e-mail.
Online bank statements — Receive your monthly statement online instead of by mail.
Online check images — View and print checks you've written that have cleared.
Extensive transfer services — Move money within the U.S. or abroad and to Citi or non-Citi accounts.

SafeWeb® Fraud Protection — Protects you against unauthorized transfers in your deposit accounts.
24/7 customer support — Call or send us a message online.
Pay virtually anyone, anytime – FREE.
Use Citibank's online bill payment and you'll never have to seal another envelope or lick another stamp again. It also makes recordkeeping a breeze, because your payment history is online.
Special Offers:
Could You want to join citi bank: http://www.citi.com/domain/special_offers.htm?US&BVE=https://web.da-us.citibank.com&BVP=/cgi-bin/citifi/scripts/&BV_UseBVCookie=yes&_u=visitor

Earn 3% cash back on purchases made at restaurants, gas stations, certain
office supply merchants, and for auto rentals. Plus, earn 1% cash back on all other purchases.**
Online Expense Organizer - create customized reports for client billing, tax purposes, or reimbursement.
Quarterly and Annual account summaries and categorized statements at no additional cost.
No annual fee and no redemption fees.
24/7 online access and Customer Service - just press "2" to quickly access a representative.
24/7 Personal Business Assistant helps arrange business dining, travel, entertainment and outings.
0% APR on balance transfers for first 12 months.*
• The 0% APR does not apply to Purchases or Cash Advances
• The 0% APR may increase if you default under any cardmember agreement you have with us because you pay us late, go over your credit limit, or have a returned check
• Your payments will be applied to low APR balances before higher ones
Learn About spoofs
Every Internet user should know about spoof (a.k.a. phishing or hoax) e-mails that appear to be from a well-known company but can put you at risk.
Although they can be difficult to spot, they generally ask you to click a link back to a spoof web site and provide, update or confirm sensitive personal information. To bait you, they may allude to an urgent or threatening condition concerning your account.
Even if you don't provide what they ask for, simply clicking the link could subject you to background installations of key logging software or viruses.
Learn about what you can do to protect yourself from getting spoofed.