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US Bank Accounts for Non-Residents




Are you a Non US Resident and wants a US Bank Account badly so that you can open a Paypal account and start selling online? Getting A US Bank Account is simple, easy and – yes, free. I see so many people in internet forums who need a US bank account. I needed one.

Want to know how I did it?

Have you caught yourself saying this many times – “I’m here in South Africa (or in India) and nobody loves us. Especially not PayPal.” Well, here is the good news. I am from India and I got a US bank account, linked it to Paypal, got verified, got a VISA debit card, got a Paypal Debit Card, and now happily withdraw my cash out an ATM anytime.

It’s no secret. Just few simple steps. Follow them asis and you will soon have your own “US Bank Account” and a “Paypal Account”.

Step 1: First, you will need a US mailing address. This is so you can get all your letters, cards etc to you. It’s not really quick to get mail to you – but it works.

These are few of the best mailing services:

· – Highly Recommended!



Step 2: Next you will need a Paypal account. is the place, and its free. Signup free, and use your mail address the US mail forwarding service gave you.

If you have already signed up for Paypal, sign up again under a different email, or delete your account and start again with a fresh one.

Step 3: Now, time to get a US bank account. We will use E-trade. I have attached the forms that you need to fill up and send.

Follow my instructions below and you will have an account with them sooner than you’ve expected.

How to fill in the forms:

Download the form from here: []

Note – A more recent version of form can be downloaded from

Fill ONLY the things in the steps and NOTHING else.

1. Account type: Mark the box labeled individual account.

2. Put your name, initial of middle name and Last name in the fields under “Primary Account holder. Leave the whole “Co Account Holder” side of the form blank.

3. Put your “HOME” address under address. NOT your US address.

4. Put your Home and Business phone numbers in the next field. The format must be “+91(0)9910670401”. Copy the format.

5. Mark the boxes “no” under the next three options on this side of the form and continue to the next page.

6. Put your passport number under the passport number field.

7. Put your Country under the “passport country of issuance and the “country of legal residence and the “Country of citizenship”

8. Move on to “create your investment profile” just below this.

9. Select the boxes “capital preservation”, “none”, “your income”, “you’re approximate net worth”, and “your approximate liquid worth” . I would select a medium income for all these to be safe.

10.Under (4) “Select your account features”, under “taxable income” select Etrade Financial sweep deposit account. It’s the first choice in the list.

11.Leave the “Tax exempt Income” Blank.

12. Cash management features, select “free check writing” and NOT The debit card option. This will come later and you will be charged for it if you select it now.

13.Leave the rest of the form blank and continue.

14. On page 3, under “Fund your account” select the last option “I plan to wire funds from another financial institution.

15.Under “ Sign and date your application” , select “ I am not a US person “

16.Sign this page and move on to page 4.

17. Leave Page 4 blank, but sign and include it.

18.Under” Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding “

19.Under “Name of individual or organization that is the beneficial owner” put your own name

20.Under “Country of incorporation or organization” put your own country.

21.Under “Permanent residence address” put your street address.

22.Under “City or town, state or province. Include postal code where appropriate.” Put your city , then state/province , then postal code

23. Under “country”, put your country.

24. “Claim of Tax Treaty Benefits (if applicable)” tick box a) and put in your country.

25.Leave the rest of the form blank , Expect put “self” under the “category under which acting”

26.Sign and date the form.

Now you’re done with the forms.

Next Steps:

#1: PRINT OUT ALL PAGES (5 pages total)

– Application Form 4 pages – in JPEG format

– Non-US Resident Declaration Form 1 Page – in PDF format

Note: You MUST use Adobe Reader to open the Declaration Form.

The latest version is recommended.

Adobe Reader is freely available at

(If you do not use the latest version of Adobe Reader, your personal details (such as your name and address) may not be displayed or printed properly.)


Make sure your name is spelled correctly, address, passport number, etc. are correct. Page 4 of 4 of the Application Form is entirely blank. Leave it that way. But sign it.

#3: SIGN; WRITE your name in CAPITALS and today’s DATE on Page 3 of the application Form.

#4: SIGN and write today’s DATE on the Declaration Form

#5: MAKE A PHOTOCOPY of the photo-page of your passport. Please make sure it is very clear! – Make two copies – they will need two.

#6: PUT THEM IN AN ENVELOPE AND MAIL to the address on top-left of Page 1 of the Application Form. DO NOT encloses a check or cash as initial deposit. Wait for your account number to be issued first instead, then make your initial deposit by wire transfer or by adding it to your PayPal account.

Once you have your account number, you can immediately add to your PayPal account to be confirmed and verified.

When E*Trade Financial receives your application, your account will be opened within 1 week.

You will receive an email notification at your supplied email address.

For FASTEST service, I recommend you use UPS or Fedex.

Once you get that done, then login to your account and request a debit card. Comes via FedEx in a couple of days. Download money from PayPal to your Etrade account and withdraw at your local ATM.

Piece of cake!


Source by Deepak Arora

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iPhone Application Development – Earn Money Through iPhone App Store




The Internet Revolution! I’m sure you read and heard a lot about it and so I won’t list the myriad ways in which it has changed everything. Professionals capable of working independently and creatively have benefited the most from the ubiquity of the internet.

There are so many ways I which you can showcase your talent to the world (or hawk your wares): you can write a novella, self-publish it over Amazon, and if people like it, you will mint money; you can post a funny video over YouTube (or start you own ‘Channel’), and using nothing more than your skills and ingenuity, find fame and fortune; or you can use your iPhone application development skills, sell your app(s) in the Apple App Store, and buy that yacht you’d always wanted!

Over 2 billion apps are downloaded from the iPhone App Store every year, and as the sales of iPhones continues to rise and more people start using iPhone, the demand for iPhone apps will increase. iPhone apps are constantly making the news and they are one of the prime reasons for the success of iPhones. Experts predicts that 3G smartphones which offer all the facilities of internet will replace PCs and laptops, and apps are the things that make it easier for the users to use their smartphones in lieu of computers: the market for apps is huge, and it will only grow further over time.

Do you have creativity, talent and innovative ideas? There are school students out there who are making serious money developing iPhone apps and selling them using the iPhone app store. Do you think you have the app idea of the decade? You don’t necessarily have to have a scientific and technical mind to gain success at iPhone application development: all you need is an idea and the ability to transform it into reality.

The best thing is that there are a number of free tutorials and SDKs available on the Internet; you can use download them for free and learn how to develop apps for iPhone apps. You might need t invest some time to study how to develop the best apps, and then how to market them over the net, but thereafter your creative ideas will take you far.

Even if you are not good at logic and math and programming is just not for you, you can still take help from professionals and pay iPhone developers to develop an app based on your idea. If your idea is really good, you could convince them to work for royalty from the sales of the app. And if your idea is really good and you are sure that the app based on your idea is going to sell like hot cakes, its best to pay the developer upfront and have complete control over all the profits on your iPhone app!

Once the app is ready, you just need to follow the simple guidelines on the iPhone app development store and list your app on the list of available apps. But there are millions of apps on the iPhone app store, and so you will need to do things to get publicity for your apps: get a website in the name of the app, try and make someone do a piece about in a magazine, keep your fingers crossed, and wait for the world to wake up to the proof of your genius!


Source by Vatsal M

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What Can I Use Bitcoins For?




Practically, almost any product or service that can be bought with dollars or other currencies can also be bought with bitcoins. On the other hand, the high volatility of bitcoins is a huge risk for some people that might want to use this cryptocurrency, but they are afraid about price differences. Even so, the characteristics of bitcoins make them perfect for internet payments:

1. Fast transactions

A bitcoin transaction is processed in 10-15 minutes. In case of a bank transfer, it might take hours or even days for the money to get from one account to the other. Some might say that PayPal or other ewallets are even faster. It is true, but there are other aspects that ewallets can’t give: privacy and smaller commissions.

2. Privacy

When you send bitcoins to a partner over the internet, the transaction will be registered in a blockchain. The list of transactions is public, and it can be verified on specialized websites. Only the identification number, the sum and the time are recorded. There is no way for somebody to find out from where the bitcoins come, and where they go. This is characteristic of bitcoins attracted many people. Well, some of those are interested about it because they can buy illegal goods with those, but the majority of bitcoin users are people that want to buy legal items and services, but which don’t want to disclose their identity. Porn and gambling websites might be immoral, but they are not illegal, so people that want to subscribe for those services can safely pay in bitcoins on the websites that accept this currency, knowing that their reputation will not be affected.

3. Smaller commissions

The average commission is 0.002 BTC for a transaction. It is significantly smaller compared with the PayPal or banking commissions. Moreover, you are not even obliged to pay it. By paying a commission, you “reserve” the computational power of a pool (or at least a part of it), to process your transaction faster. You even have the possibility not to pay the commission. In this case, you might need to wait two or even three days for your transaction to be processed. If you are not in a hurry, this might be the perfect opportunity to make money transactions with zero costs.

Of course, there are also disadvantages for using bitcoins, such as the possibility to lose them. If somebody steals your bitcoins, or if you delete the wallet files, it is impossible to recover those. As long as the bitcoin is not regulated, there is no central organism for arbitrage between divergent parts. In other words, you can’t complain if you lose or you are robbed by your bitcoins, simply because there is nobody to complain to.


Source by Stanculescu Mihai Bogdan

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Things You Should Know About Bitcoin Black




What is Bitcoin Black?

Bitcoin Black is basically the cryptocurrency of the people, by the people for the people. It will be adopted for use as a peer 2 peer payment system which gives the power back to the people.

If we talk about Bitcoin, Bitcoin has failed at this, real value comes from real use of the ecosystem and empowering people. Bitcoin transactions are slow and expensive, and it can be said that Bitcoin is somewhat centralized. Bitcoin takes power of people because it is heavily manipulated and through cycles that discourage participants from cryptocurrency in general.

People buy bitcoin to get rich, not to be involved in the ecosystem. The one percent elite takes advantage of bitcoin and creates discouragement, strategically increasing the price and attracting entry for the dream of wealth and dumping coins for their benefit. In fear of adoption. Bitcoin is completely controlled, pumped and manipulated at will, for many different reasons.

Bitcoin Black is focusing on solving these problems as the coin is a cryptocurrency with a fair distribution Airdropped to 1 Million wallets prior to IEO which all funds will go to community groups voted by the community to move the project forward with focus on fair distribution, mass adoption, usability, education, ease of access, simplicity and community.

The goal is to make it a real decentralized autonomous network giving back power to the people. He does not belong to a group, but belongs to many branches of the community.

Distribution of Coins

Bitcoin Black is aim to have airdrop to at least 1 million wallets initially with not more than 0.5% of supply owned by 1 founding member making it truly decentralized cryptocurrency.

The project have a pre-sale of 2.5% of total supply which is almost 900 Million coins.

If we take a take a look at the IEO, 7.2 billion IEO coins will be allocated to several community foundations that will help the community move the project forward in the future.

Counterpart funds for manipulation (around 5%). Part used for the stability control fund to eliminate the possibility of early manipulation at low volume and maintain currency stability.

Finally, the rewards for introducing the application will be 14.4 billion coins.

Introduction of 30 million members with an increase in the rate of new users. A method of bringing the coin into every schoolyard / university / workplace and community.

Total Supply

A maximum supply is 36 billion coins.


3.6 billion coins to be claimed by members who help share Airdrop.

Simple social sharing platform in one click. Share a social message that provides an introduction to encrypted video and the app download link that will allow your friends to download it. Currently the platform is active and functioning well.


The best innovation is the Fee free transactions. You can send bitcoin black to anyone free of charge. The transactions are Instant and you can send money as easily as sending an message.

The wallets are easily accessible and very simple to use.


Bitcoin black have a fair mass distributed currency with supply spread widely that it will create less volatility by synchronized pumps and dumps and lead to a more stable price. Bitcoin black is going to be the next bitcoin. You can register for the airdrop by clicking here. I wish someone back in 2008 would have included me on the Bitcoin airdrop. Bitcoin Black will be life changing and we want to tell this to as many as possible.


Source by Mark West

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