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The Real Story about Americans Going Offshore by Bowman Offshore Bank Transfers

USAReader Question today… An Internet Entrepreneur from the US is concerned about getting sued and wants an incorporation that protects against lawsuit liability, aka asset protection.

I am interested in asset protection I am also just starting out my business and want to do asset protection and plan for tax liability before it becomes an issue. Here is a little breakout of what I have and what I’m planning on doing.

I have some Adsense sites that bring in a small income – I would like to move those off shore (hosting, domain register, Adsense account, etc.) I had some issues with branded sites that cost me a ton in legal bills because they were registered to me personally (stupid I know I bought some domains in bulk and was assured there were no TradeMark or Copywrite issues).

I am in the process of creating some information products and would like to launch them on Click Bank or a network like that, again I want to avoid personal liability I know you can do this with a US LLC or

Corporation but it seems like people are less likely to file a frivolous suit if you are off shore. Are there any issues with CB and say a BVI company?

I am also planning on launching a few eCommerce site selling digital products for now, then drop ship down the road. So I’ll need to do/support payment processing

My concern is the IRS is there any red flag for offshore how do you handle them without getting in trouble or raising any flags?

Going offshore for asset protection purposes is a very intelligent and prudent move. Unfortunately most people only consider this after they are ‘burned’ so to speak. Usually it takes a lawsuit or legal proceeding to wake people up to the reality of doing business. Business is risky, in and of itself. If you are doing business in the US, you are doing business in a developed society with millions of lawyers willing to work on contingency fees.

Going offshore is a great way to protect you from a liability standpoint for several reasons:

Out of State, Out of Mind… I’m Just Plain Harder to find…

Your assets will be harder to find, and will most likely not appear in a preliminary domestic asset search. The way they will be able to find you is by examine your tax returns during a discovery phase of a lawsuit. Ideally you never reach this point because your creditor sees you are offshore and you don’t appear an attractive target because…

Foreign Courts and Laws… You understand? Tu comprendes? Est-ce que tu me comprends?

If someone decides to move forward with a lawsuit, they need to sue you in the jurisdiction in which your legal entity registered. Let’s say you have a company in a Spanish or French speaking country – now they will have to lodge a lawsuit in a different language.

Want to sue me? I’ll see you in Nevis.

Courts in Nevis, for instance, won’t recognize foreign proceedings, and the parasite trying to take your money has to journey to Nevis. When they do, they will be far, far away from home dealing with a lawsuit dealing only with your business assets (and those held in the LLC), and not your personal assets.

Want to Sue Me? Pay For My Lawyer.

For illustrative purposes, let us play devil’s advocate and drag out the lawsuit vignette to its full conclusion. Say for instance a parasite finds your assets held offshore, and the evil person who is suing is so infuriated he follows you all the way to Nevis. Not only does he has to pay for his lawyer, he is also forced to pay for your lawyer, and needs post a bond to file the lawsuit.

A far cry from the US system where lawyers often will take a case on contingency, where there is no money exchanged up front, but they are likely to take 50% or more if successful with the lawsuit.

Fact: You are much less likely to receive a frivolous lawsuit if you set up your business offshore.

No matter what your business, you are far less likely to be sued if you set up in a different jurisdiction. This is because as previously mentioned; your creditors will need to journey to the distant and faraway land to sue you. It effectively places your business outside of the millions of American lawyers and courts.

Make Sure You Properly Transfer Your Assets Offshore

You will want to transfer the intellectual property to the offshore company. The company must legally own the assets – and if you transfer them they must be sold to the company at fair market value. This is complicated tax stuff so I won’t get bogged down on it for the moment, but you want to keep records, and hold paper on these interactions.

Let’s say that you own a series of websites that you want to transfer to an offshore company in Nevis, because you have heard that Belize is the best place for Internet Entrepreneurs to set up offshore.

This means that you need to create a bill of sale to the company, properly conveying the web properties. You’ll also want to have the billing flow to an offshore bank account (so that all parts of the business are offshore) and You should also host offshore, and if you want to take the last step, transfer the domains to an offshore registrar (ie. get them out of Godaddy’s control).

These are the 5 points of doing business offshore:

  1. Websites (property, the business etc)
  2. Bank Account
  3. Merchant Account
  4. Hosting
  5. Domain Registration

Get all 5 points offshore (outside the high liability country) and you have properly structured your business outside your jurisdiction.

A Word on Merchant Accounts

Everyone I talk to about moving offshore has concerns with 2 payment processors: Paypal and Clickbank. While there are some set ups that afford these companies – these are US companies (primarily) that somewhat defeat the purpose of going offshore in the first place. There are literally thousands of different merchant accounts, payment processors, payment gateways etc for all countries, legal entities and so forth.

You’ll oftentimes even get a better deal on rates and keep a bigger percentage of your profits by using an offshore merchant account if you are an internet entrepreneur.

How to avoid red flags and stay on good terms with the taxman:

Since move your assets offshore is completely legal if it’s done for asset protection purposes – the main thing you will need to do is properly report the offshore legal entity, and the offshore bank accounts with the proper forms.

You will have to keep proper records and report all of your earnings and financial information to the IRS each year.

In addition to the company forms (which vary, and you should discuss with an accountant) You should be very careful to file your FBAR forms as well – which is a yearly form filed to the treasury if the cumulative holdings across all foreign accounts exceeds $10,000. This is form TDF 90-22.1

In layman’s terms: if you have more than 10k in foreign bank accounts, you need to file an form called an “FBAR” to Uncle Sam to let him know about your bank accounts.

As long as you file the correct forms (which are relatively easy) and you properly report your income, then you are well within your rights to journey offshore for asset protection purposes. Once you journey offshore you can enjoy doing business in an environment where you can take risks to generate profit, rather than wait in anticipation of the next frivolous lawsuit…

Three of the best places to incorporate offshore:

  1. Form a BVI company
  2. Form a Belize Company
  3. Form a Nevis Company

Expat guide: Offshore deposits by Bowman Offshore Bank Transfers

We all work hard for our money, whether we are living and working in the UK, or overseas as an expat. But the key ingredient to successful money management is often missing: we fail to make our money work hard enough.

So, if you are one of those people who just let your salary sit in an account paying paltry interest, then you need to start looking at how to make your money do more for you.

Our guide to offshore deposits takes you step by step through choosing the right account and making sure you continue to get the best deal.

Know what you need

The first thing you need to do before deciding what type of account you want is to ask yourself what you need that account to do.

When doing that, you should consider all of the following points:

  • Do you need to visit the bank regularly?
  • Can you use internet access for an account?
  • Are you happy with using a bank you have never heard of?
  • Can you afford to have your money tied up for a period of time or do you need instant access?
  • Do you need to hold your money in a different currency to the one you are paid in?
  • How do you want your interest paid?
  • Are you subject to tax in a jurisdiction where you are not resident?
  • How safe will your money be in the account?
  • For most expats, choosing an offshore account will be the most sensible option when the answers to these questions are taken into account, as you have more control over how the tax on the interest is paid.

If you can allow the interest in the account to roll up without the tax being taken off at source each time, then you will benefit from a higher return. But you need to be careful to ensure you are not breaching any tax regulations.

There are a variety of accounts available to expats, and while this means you have a wide choice, it can make for a bewildering array of options. You should research the type of account that will work best for you. Here are some options:

No-notice accounts

These accounts allow you to access your money at any time, without giving the bank prior notice. You will often receive a lower rate of interest than you would on an account that ties your money up for a period of time. But this is not always the case, so compare them carefully.

Notice accounts

As you can guess from the name, you have to give the bank a period of notice before you can withdraw your money without penalty.

In most cases you can withdraw your money in an emergency without giving the specified notice period; but, at the very least, you will suffer interest penalties.

Generally, you will have to give 30 days, 60 days or 90 days’ notice of withdrawal from these accounts; in return you should get a higher rate of interest.

Currency accounts

It is possible to hold your savings in specific currencies, such as pounds sterling, euro or the US dollar. Choosing these accounts can improve the interest you receive, and mean you hold your money in the same currency you are paid in or have to spend.

Multi-currency accounts allow you to switch currencies, which can help reduce exchange fees if you have income and expenditure in different currencies.

Monthly interest

Most accounts pay interest annually, but if you would prefer to receive your interest more regularly, perhaps to augment your income, then you can use a monthly interest account.

The advantage of this is that the interest will sit in your account, if you do not withdraw it as income, and will build up each month, rather than coming as a lump sum at the end of the year.

The interest rates on these accounts are usually slightly lower than the equivalent annual interest accounts.

This is calculated to take into account the additional interest you will accumulate on the monthly payments (interest on the interest) to ensure you do not receive more overall than an annual interest customer.

Fixed-interest accounts/bonds

These offer a fixed rate of interest, usually higher than elsewhere, provided you leave your money in the account for a set period of time, which can be anything from one year to five years. You can sometimes make withdrawals within strict rules. If you withdraw money outside these, you face losing all the interest you would have earned. You should never sign up to an account like this if there is even a small chance you could need your money outside the permitted allowances.

Deferred interest accounts

If you would prefer to tell the bank when you want your interest paid, for tax purposes, use a deferred interest account. In most cases, the interest on these accounts would automatically be paid when it is closed, unless you ask the bank to pay your interest at a specific time – perhaps when your other income has fallen and you want to take advantage of paying a lower amount in tax.

Compare Bank Accounts

Once you know what you need, you must find the accounts that offer you those services. This has been made a lot simpler thanks to the comparison services, such as, which are now available on the internet.

You can look at everything – what the account's rate is, whether it is fixed for a period of time, how you can access the account, whether any additional bonus is applied to the interest rate for a period of time – and compare the benefits of different accounts.

The bonus rate is particularly important, as banks will often add a bonus to a standard interest rate to get the account to the top of the best-buy tables, but when the bonus expires the rate may be pedestrian at best.

There is no reason to avoid the accounts that have a bonus rate added – you may as well get the extra while it is on offer. But always make a diary note of when the bonus expires, and then check the rates on offer again to see if you can move your money to a better paying account.

As an expat, you should consider using an offshore account based in a jurisdiction that has a high level of consumer protection. The key areas are the Channel Islands and the Isle of Man, and often their banks are subsidiaries of onshore banks that are household names.

It is vital you understand what protection you would get from each regime if your bank fails – something few of us worried about before the banking crisis.

Guernsey, Jersey and the Isle of Man all have depositor protection schemes that will pay out the first £50,000 of any savings deposited with a bank within their jurisdiction. Gibraltar will pay out 100 per cent of the amount deposited up to €50,000.

In the European Economic Area, the minimum deposit protection is €50,000, although Cyprus, the Netherlands and, from January 1, 2011, Ireland have increased protection to €100,000.

However, you should always check the depositor protection scheme for the bank you are interested in, as these limits can change at any time.

Find Out How to Apply

Once you have decided on an account, you need to apply for it. If you have a branch of the bank nearby, it may be easiest to call in to complete the relevant forms. That way, you can present the information the bank needs to establish who you are and where you live – usually a passport or driving license with a photo, and utility bills sent to your address within the past three months.

Of course, for many expats this is not possible, so you will have to open the account by post or online. You will still need to provide proof of identity, and usually the banks will not accept photocopies, as these are easy to doctor.

Call the bank using the relevant numbers online, and ask for the details and any paperwork you would need to open the account you want. Always check with the bank what its policy is before you send your documents through the post – and make sure you send them by registered or recorded delivery, so if they go missing you will have an idea of where they have gone astray.

Many banks will allow you to go through the account-opening process online now – Alliance & Leicester International have one of the most sophisticated online facilities – but, even so, you will have to prove who you are, so the bank complies with money laundering rules.

Read the Terms and Conditions

It is always tempting to throw the bumf you get from banks into a drawer, never to be looked at again, but if you do not know what terms are applied to your account, you could end up losing out. Yes, reading these documents can be very dull, but ignoring them can leave you open to unexpected problems.

Banking literature is never easy to get through, but remember: if it is hard to understand, that is most likely to be the area where you are going to get caught out. Make sure you read the small print and don't get stung by the banks because of your ignorance.

It works the other way too. Knowledge is power, and if you know what the bank should be offering, you can make sure it keeps its end of the bargain.

Transfer your Money

If you are transferring money from another account into the one you have just opened – and most people will be – then you have to make arrangements to do this with your existing bank.

If you want to close the account where the money is currently held, you will need to instruct the bank and fill in any necessary paperwork.

This can be easier in some countries than in others, and if you are planning on leaving a country and you want to close the account and have the money transferred before you go, give yourself plenty of time. The UK banking system is, believe it or not, relatively efficient at such requests. If you are dealing with banks in other countries, they may not act so quickly.

In any case, if you are leaving a country and closing accounts, make sure the accounts are closed before you leave to avoid any problems, such as having to go back to sign a document to release funds.

If you returning to the UK from Australia, for example, this could be an expensive mistake.


Tax for expats can be phenomenally complicated, and there is no "one-size-fits-all" solution, so the best thing is to get advice that is specific to the country you are living in and to your circumstances.

The one thing you cannot do with tax is ignore it.

The UK HM Revenue & Customs is cracking down hard on tax evasion by expats, where people have held money offshore and not declared it to the UK tax office.

The powers HMRC now has to force banks to provide details of customers are extensive and, with the announcement in the Comprehensive Spending Review that a further £900 million will be used to tackle tax and benefit fraud, things are only going to get tougher.

It is only fair that you pay the right tax. If you have a bank account offshore and you are subject to tax in the UK, then you must declare it.

The European Savings Directive came into effect in 2005, and gives you the option of having a withholding tax automatically applied to your savings by the EU member state in which you reside, or the institution holding your money will pass on information on the interest you have been paid to the UK tax authorities. Switzerland, Jersey Guernsey and the Isle of Man, although not part of the EU, have put equivalent voluntary measures in place.

Depending on where you hold your account, you may not have this choice – some areas have a default option of the withholding tax.

You need to check with the bank holding your account to be sure what measures apply.

Monitor the Rate at which you’re being paid

Banks are famous for getting your money through the door with a tempting rate, then cutting it while you are not looking. So play them at their own game – check the rate regularly and vote with your feet if you are not getting what you want.

Devin Fitzpatrick Art Consultants Review: Tips on using artworks for a good company culture

Using the beauty of artworks in your office or owned building can attract a lot of positive feelings. It can really add to the satisfaction of your employees, visitors, and customers. This is also for the purpose of improving your company’s culture using artworks. This specific isn’t just for big corporations because each and every business must have a good company culture.

As the business owner, you should start some changes in your office design if it feels empty or boring. Make sure to put “choosing good artworks for the office” on your to-do list. See to it that each piece can draw a positive feeling. You could begin with pleasing photographs, pops of color, or encouraging art to provide some good aura in your place for the benefit of each person entering your office. Different studies of some experts show that placing artworks in the workplace can increase creativity as well and give a more enthusiastic feeling to the people.

Here are some simple tips prepared by the trusted Devin Fitzpatrick Art Consultants to help business owners or people in charge of designing their office with beautiful artworks:


You should know what kind of feeling you wanted to show in every artwork. When a person enters a specific area in your office building, what emotions you wanted to convey through the artworks? It could be the feeling of happiness, content, hope, kindness, or other positive emotions. Know the feeling and start from there. Getting the professional help of an art consultant could also contribute a lot to the positive outcome of your selection.


You can also represent your brand through artworks. Choose a piece that could exhibit the nature of your business to the people. For example, if your business offers innovative and modern brands or service, then you should pick artworks with the same theme. As mentioned before, the expert help of an art consultant could greatly benefit you because of their genuine experience and knowledge to the business of art. Make your clients or aspiring employees have an idea what your business is all about with its artworks once they come in your office.


The most important thing is that you should listen to the opinions of other people as well, especially the employees. Consider their preferences on the same level as the advice of your art consultant, or you can tell your consultant about their likings and the both of you can work it out.

One method that Devin Fitzpatrick Art Consultants sees as a simpler way to know their opinions and tastes is performing a detailed survey. If the results show that a lot of people are in favor of having a relaxing nature scenes or photographs, you must choose artworks with the similar concept. Talk about it with your art consultant to get better outcomes. There’s a high possibility of employees being more enthusiastic about their work once they see their preferred artworks around the office building.

Devin Fitzpatrick Art Consultants is one among the many trusted and respected art consulting services that offer professional and brilliant art advice. If you want a more detailed discussion regarding those tips mentioned above, don’t hesitate to contact Devin.


Phil Devin Eiendomsradgivere: Se frem til eiendomsmeglingstjenesten som kan tilfredsstille dine forventninger

Forvent kun en aerlig og en bedre eiendomsmegling med Phil Devin Real Estate som ligger i Australia. Det er definert som et lite "boutique" -agenturmiljo, og dets uendelige engasjement ervervet av mange enkeltpersoner, og mange fortsetter a respektere sin responsive, omfattende og personlig service.


Phil med hans mange ars erfaring i fast eiendom gjorde ham til en av de mest palitelige profesjonelle for a gi et positivt utfall til et hvilket som helst prosjekt. Han jobber hardt for a mote eller overga forventningene til sine kunder.


Phil Devin er forpliktet til a utføre en forsiktig jobb og sorger alltid for at hver detalj er riktig. Han vil ogsa gi deg sin ekte vurdering av eiendomsmegling, men bekymringer til side, han vil ogsa utvikle den riktige losningen for deg. Han vil gjore sitt beste for a gi deg de resultatene du drommer om.


Du kan stole pa Phils rigelige kunnskaper om fast eiendom pa grunn av hans mange ars tjeneste pa dette feltet. Han har all erfaring og innsikt for a veilede deg riktig i din eiendomsmegling. Pa grunn av sin profesjonelle og elskverdige tilnærming, fortsetter mange kunder fortsatt a soke sin tjeneste. Anmeldelser om ham inkluderer ofte hans klienter som anbefaler ham a ta vare pa eiendomsbehov til familie og venner.


Alt startet med en enkelt hensikt, og det er a gi en "bedre service og bedre resultater" til forskjellige personer som ser etter en profesjonell eiendomshjelp. Phil Devin Consultants fortsetter a utvide sin rekkevidde og fortsetter a gi sin tjeneste til alle som trenger dem.


Han er na en av ekspertene i omradet som har et smart fundament i fast eiendom. Men han slutter ikke a laere nye ting om sitt felt fra andre mennesker ogsa. For Phil er kontinuerlig laering det minste kravet til suksess i alle felt.


Den offisielle nettsiden til Phil Devin Real Estate tilbyr ogsa funksjoner som kan vaere svaert nyttige for sine navaerende og fremtidige kunder. Du kan be om en vurdering, soke etter eiendommer til leie eller har blitt solgt, fylle opp et leieprogram eller til og med be om vedlikehold. Besok nettsiden for mer informasjon om saken.


Om oss

Snakk med alle som har opplevd prosessen med å kjøpe eller selge eiendomsmegling, og ofte er deres funn en kombinasjon av stress, skuffelse og til slutt kompromiss! Et av mine mange mål er å sikre at ditt neste trekk er en positiv.


Jeg startet Phil Devin Real Estate med et enkelt oppdrag: "Å levere RESULTATER som overgår våre kunders forventninger".


Hva betyr dette for deg?

- Jeg vet at du er opptatt og jeg respekterer din tid. Når vi setter en avtale og jeg kommer til å være der.

- Når jeg sier noe kan gjøres ... kan du stole på det.

- Jeg prøver ikke å snø folk eller skjule informasjon. Jeg handler om avsløring.

- Jeg er ikke i den for en enkelt transaksjon - jeg er i det for lang tid ... de livslange relasjonene.

- Det betyr at jeg skal jobbe for å få det resultatet du fortjener.


Til slutt når du kjøper eller selger med meg, kommer det ned til din beslutning, hva passer for deg. Målet mitt er å sørge for at du har nok informasjon til å ta en beslutning om at du kan være fornøyd med sporet. Når du velger meg å hjelpe deg med å kjøpe eller selge hjemmet ditt, kan du stole på responsiv, kvalitet, omfattende og personlig service.

"Skuffet er forskjellen mellom hva en klient utvider og hva agenten leverer"


Jeg vet at kundene mine ønsker å håndtere en "profesjonell" som kan "lytte" til deres individuelle ønsker og behov og gi løsninger for dem!


Phil Devin er den profesjonelle!

Tokyo MK Taxi: Technologische Integratie om u Beter Te Dienen

Vervoer is een essentiële behoefte aan mensen voor eeuwen altijd geweest. Mensen maken gebruik van diverse verschillende wijzen van vervoer door de jaren heen. Vandaag, is het meest populaire transport voertuig huur taxi's. Of u een vervoer naar de luchthaven of een lokale plaatsen rond de stad moet, kan een taxi uw transit behoeften vervullen. Het beste ding over het inhuren van een taxi is dat het laat u achterover leunen en ontspannen als u niet hoeft te vrezen voor het verkeer, de verkeerstekens en de routebeschrijving naar uw bestemming.

Als gevolg van de technologische vooruitgang, heeft online taxi boeken ontstaan. De geboorte van dit soort diensten maakte het mogelijk voor iedereen om te huren een taxi online zonder de noodzaak om hun kostbare tijd te verspillen. Online privé-auto te boeken en PC's (Privé Chauffeur Service) geboekt Tokyo MK Taxi om hun klanten beter te dienen over de hele wereld. De geboorte van geolocation technologie speelde een belangrijke rol in de groei en de populariteit van hun dienst in de Verenigde Staten, Japan en Korea.

Tokyo MK Taxi's online reserveren is net zo makkelijk als taart en vereist geen speciale kennis met zijn gebruiksvriendelijke interface die met een paar eenvoudige stappen werkt. Terwijl de toepassing van hun PC's kan worden gebruikt om te zoeken en het huren van een taxi beschikbaar is in de buurt van uw locatie.

Bijvoorbeeld, als u zoekt naar een auto of taxi die u naar uw bestemming krijgt, is alles wat u nodig hebt om online en bezoek Tokio MK Taxi's website. U zal worden gevraagd relevante details en als u akkoord gaat, u binnenkort zal worden verzonden naar de dichtstbijzijnde beschikbare voertuig dat overeenkomt met uw behoeften en voorkeuren van het vervoer. Binnen een korte periode van tijd, zal de MK chauffeur service worden recht aan uw voeten en krijgt naar uw bestemming op tijd.

Afgezien van taxi's, Tokyo MK Taxi functies Lexus groep liefhebbers ook de opties bieden voor het huren van particuliere luxe auto's zoals limos die het best geschikt is voor diverse gelegenheden en evenementen als proms, bruiloften en zakelijke doorvoer.

Onze professionele chauffeurs zijn geschikt voor het verstrekken van een soepele, comfortabele gemakkelijke rit zoals ze zijn ingehuurd om te behandelen u met het grootste respect, beleefdheid, professionalisme, stiptheid, comfort, veiligheid en discretie.

Galveston Capital Tourism and Marketing on Central Kalimantan regency develops tourist village

A tourist village homestay program initiated by the Tourism Ministry has inspired regions across Indonesia to adopt the business model.

The latest being in Gunung Mas regency, Central Kalimantan, which will allocate funds to create a tourist village in Hurung Bunut village, Kurun district.

“This year, we’re going to allocate Rp 10 billion [US$751,000] of special allocation funds [DAK] from the state budget to build road infrastructure in Hurung Bunut village, which is set to become a tourist village,” said Gunung Mas Regent Arton S. Dohong.

Hurung Bunut village is chosen due to its strong mutual cooperation among the residents and unique characteristics.

The people in the village will be given training and mentoring from the national tourist village council, as well as tools to hone the villagers’ skills. 

“There isn’t a single tourist attraction there but we’re going to make one,” added Arton.

The head of Gunung Mas Youth Tourism and Sports Agency, Sewantapuja, says that currently there are about 20 families who are ready to become a homestay host. 

Galveston Capital Tourism and Marketing at 5 Great Restaurants for Gluten-Free Diets

It wasn’t too very long ago that asking to see the gluten free menu in a restaurant would have elicited a response along the lines of “What’s a gluten?” from your baffled server.


But in this era of expanding culinary enlightenment, most restaurants now take pride in catering to their gluten free customers with the same delicious, flavorful options that non-gluten threatened diners enjoy. Let’s take a look at some of Galveston’s top restaurants for diners who have tosteer clear of gluten in all its many forms.


Taquilos Tex Mex Cantina

While this cool spot on Post Office Street just opened in 2016, it’s already made quite a name for itself thanks to its combination of traditional Tex Mex favorites and an insistence on using only the freshest ingredients. Gluten free options abound, with favorites like the grilled tilapia served with chimichurri slaw; grouper tacos; tacos de Camarones, featuring fresh gulf shrimp, and the beef, chicken, shrimp or veggie fajitas.



It’s hard to get any more Gulf Coast traditional than this Seawall institution, but Gaido’s has kept up with the times by quite nicely by offering numerous GF items, including the combination grilled seafood platter with shrimp, scallops and your choice of fish, and the grilled deep sea scallops. The chicken Ponzini also comes highly recommended, thanks to its melding of charcoal-grilled chicken, wild mushrooms and Swiss cheese sauce.


BLVD. Seafood

This Seawall favorite makes a habit of presenting its signature dishes in creative, versatile ways that make them accessible to virtually any customer, no matter their dietary restrictions. Whether it’s the Mediterranean chicken, shrimp Dejonge, cedar plank salmon or the blackberry pork chops, going gluten free never tasted so good.


Olympia Grill

With two locations (at Pier 21 and at 4908 Seawall Blvd.) Olympia Grill is quite possibly destination dining for gluten free diners who love Greek food thanks to one of the most extensive GF menus on the island. Olympia’s falafel is practically world famous, while the grilled salmon steak, with the uniquely different Greco sauce, is absolutely mouthwatering, and the charcoal grilled lamb chops may actually have their own fan club.

Security and Risk Complaints Online on 15 Tips to Avoid Credit Card Fraud

A person that has been a victim of fraudsters could mean that he or she is not fully protected by his or her bank. We suggest that you must know some steps involved in avoiding credit and debit card fraud to protect your pin numbers, card information, and other private information. Following are some simple tips that could help you keep the thieves at bay.

Use a paper shredder

After reviewing your receipts and bank statements, shred them right away.

Use different pin codes

If you have a few cards, don't use the same pin code on every card.

Don't use personal details as passwords or pins

This kind of information was easy to guess, so don't use your birth date or the first 4-5 numbers of your phone number as your password or pin code.

Don't save passwords on your desktop

Never allow your computer to save your passwords.

Beware of spying eyes

When you are going to withdraw some money at a cash machine in public, be wary of your surroundings and cover up your pin number when typing.

Avoid talking to your bank in public

Always make sure that you're alone when talking to them and see to it that no one is overhearing your conversation with them. As much as possible don't make phone calls to your bank in a public place.

Be extra careful on your surroundings

If you're in a public place such as an internet cafe when doing online banking, be vigilant on your surroundings.

Install anti-virus software

Your personal computer, as well as your mobile devices, needs anti-virus software to stay away from malicious threats. Don't also forget to keep your software updated.

Don't be afraid to confront callers

There were a lot of phone scams today, so when someone calls you and claiming they were representatives from your trusted bank, don't be afraid to ask questions such as why they were calling and such. Or you could also look for the bank's number on their official website and call them on that number to confirm such calls.

Lock your phone

Set a password on your phone and lock it every time you’re not using it, especially if you have a banking app on your mobile device. This way, no one could access your private information.

Keep your pin number private

If possible, don't write it on a piece of paper, and don't save it on your personal computer and mobile devices.

Don't click links on suspicious emails

If the email state that it is from your bank and asks for you to click on particular links, don't do it, but call your bank instead or make an inquiry through their official website.

Private information shouldn't be shared through email

If an email asks you to provide your personal and financial information, or else you'll be facing grieve consequences such as your account will be "frozen" and such, don’t be threatened and don't give away your private information.

Don't trust a website too much

Make sure that the website you're accessing is trustworthy, especially if you're making a transaction with it. If you find it suspicious, then don't provide any private information.

Beware of emails claiming from a legitimate bank

Culprits are more sophisticated these days. They could perfectly copy the logos of a legitimate bank and choose a web address that doesn’t have much difference to the original one, so you won't find it suspicious on the first look. But always remember that a bank will never ask for your banking details through emails.

Internet security is one of the major concerns nowadays so it would be better if you equipped yourself with sufficient knowledge about internet fraud or phishing scams and how to avoid them. Don't let yourself be a victim of credit card and debit card fraud, take necessary actions today!

Projects of GAC Group Singapore R&D International Consulting

Serving companies, GAC advises and acts on 2 major levers of competitiveness: innovation financing and international development.

After founding his first company in 1988 — the EFE group, which became a leading European training, consulting and publishing firm — Patrice Bougon, a former tax lawyer, wanted to offer his customers consulting services that combined financial, tax and technical expertise. In 2002, this French “serial entrepreneur” created GAC, an acronym standing for Grande Armée Conseil (as the first office was located next to the Champs-Elysées in Paris, on the Grande Armée Avenue) and for its international brand Global Approach Consulting.

A new “auditing, consulting, training” concept for managing local taxes was born!

GAC is an international consulting firm specialized in R&D tax credit and innovation funding for more than 10 years. Through its expertise, GAC supports companies to optimize their access to public funding schemes existing in countries where GAC is located: Singapore, France, Spain, Belgium, Canada and Brazil. GAC team is composed of 300 employees including 200 scientists, engineers, tax and financial experts serving 2500 clients around globally.

GAC has been locally implanted in Singapore since 2011 to help its global clients in their development in Asia by identifying, applying for and securing funding to support training, development of services and products or processes improvement.

Our vision in Singapore

GAC are driven by a strong belief in innovation and meaningful partnerships.

GAC do master innovation financing and R&D tax credits beyond the common understandings.

GAC deploy our expertise through a tailor-made approach and with a deep attention to individuals belonging to start-ups, SMEs and MNCs.

Online Fraud Detection on Combating Credit Union Check Fraud with Technology

credit union check fraud

FLEX, a credit union core processor, integrates with Advanced Fraud Solution for check fraud prevention.


Industry-leading solution providers for the financial services sector join forces to combat check deposit fraud 

FLEX announces a partnership to integrate its credit union core processing platform with Advanced Fraud Solutions’ (AFS) fraud detection tools. The partnership unites two industry leaders in the perennial fight against check fraud that continues to generate significant losses at credit unions across the nation.

A recent report produced by AFS found that while check volumes continue to decline, the exponential growth in online and mobile banking coupled with the adoption of EMV technology to combat plastic card fraud has helped breathe new life into fraud schemes involving paper checks.

FLEX customers will now be able to automatically screen checks presented at the teller line for fraud. In addition to detecting counterfeit checks, accounts with insufficient funds, and closed accounts, AFS’ solution helps financial institutions detect duplicate deposits previously made through remote deposit or mobile banking, which is a growing problem for the financial services industry as a whole.

“Check fraud continues to plague every financial institution, especially smaller institutions that may not understand the severity of the threat they face until they experience a loss,” says Lawrence Reaves, CEO of North Carolina-based AFS. “Our partnership with FLEX seamlessly embeds our award-winning fraud solution within the teller platform and provides credit union employees with the real-time information they need to make a fully-informed decision as to whether they should accept or reject a deposit. With less time spent processing routine deposits, tellers can refocus their efforts on improving the customer service experience,” adds Reaves.

To learn more about Advanced Fraud Solutions and their approach to fraud mitigation, click here. Visit FLEX Credit Union Technology to learn more about integrated credit union core system management.

About FLEX Credit Union Technology

In recent years, credit union industry personnel ranked FLEX Credit Union Technology first among competing vendors for customer satisfaction. FLEX now serves over 250 credit unions in locations across the country, including Alaska, Hawaii, and the Eastern Caribbean. The company enjoys established relationships with all regulatory agencies, corporate credit unions, and major industry partners.

About Advanced Fraud Solutions

Advanced Fraud Solutions has been a trusted leader in providing fraud mitigation tools to the financial institution market for nearly a decade. AFS products address a wide range of needs that the financial institution has, including check fraud, card fraud, and online banking fraud.  Over 500 financial institutions nationwide utilize a wide variety of AFS fraud prevention tools, yet still subscribe to the idea that sharing high-risk information is the best approach to fighting fraud.

Contact Information:


Preston Packer

Director- Sales & Marketing



Ted Kirk

Director, Industry Partnerships                                      

336-703-5348 x510

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