How To Open a US Bank Account From Nigeria

If you are doing business online using pay pal, 2Checkout, Storm pay, Click Bank, or any other common payment service, you know how difficult, expensive and time consuming it is to get your fund into your country. I made this article to help people like myself, who searches for an easy way to open a US Bank Account without Social Security Number, without going to the US, and virtually without cost!
Step1: Let me start by Introducing “Financial!” Financial owns Banks and Securities, LLC; this bank has provided excellent and fast customer services. A lot of my like minded friends today have been able to open their bank account within 10 days – and that includes mail delivery from their countries to the USA. You can visit the bank now at www.etrade.com but don’t click to open your account yet! Filling the wrong form will get your application denied. I’ll walk you through the right process in just a minute.
To open your account we will be using the service of securities, LLC- a member of the SIPC( Security Investor Protection Corporation). It is affiliated with Bank-allowing you to have banking service
Step 2: Opening Your Account Offers two accounts and two different forms: the first account is a Checking Account. Non-US residents can’t open this account. The second account is a brokerage account; it works just like a checking account. However, you also have the option to use it for investing (You don’t have to invest if you don’t want to – you can just use it as a checking account). This account is available to residents and non-US residents. This brokerage account allows you to write US checks, have a VISA Platinum Debit Card, and full internet banking. You can also ACH (direct deposit) funds from pay pal, 2CheckOut, Ad sense, or any other US bank.

As a non-US resident you will need to fill out the following forms:
Brokerage Account Application.
Tax Withholding Form (W-8BEN) Tax will not be withheld from your deposit. Tax is only withheld if you make profit on an investment made through Investing. Mail both forms along with a photocopy of your passport to “E*TRADE Securities LLC, P.O.Box 1542Merrifield, VA 22116-1542USA”.
Step 3: Ordering Your FREE checkbook. You can phone and request your checkbook before receiving your welcome kit, and even before any fund have been deposited into your account. Just call them on 1-916-636-2510.Alternatively; you can wait to request a checkbook after you receive your welcome pack. You can also ask for your account details over the phone and login to your bank account. YOU DO NOT have to wait for your welcome pack to access your account and deposit funds.
Step 4: Initial Deposit. you can fund your account by including a US check money order with your application. However, if you are including a check order, it will need to be at least in the amount of $1,000.Or………..You can fund your account in any amount via Pay pal, 2CheckOut or any other account via ACH (direct deposit). Initial deposits can be $10 sent from pay pal. You can also wire funds, in any amount, from your home bank account.

Step 5; Requesting Your Visa Debit Card. Your welcome pack will arrive in approximately 2 weeks. It will include a simple form to request your Platinum VISA debit card. Please note; you will need a minimum balance of $1,000(US) before you can request your VISA card. After you have opened Your Account; Once your account is open you are now ready to add your details to pay pal, Ad sense, or any other place you want to receive ACH (direct debits) from. Just enter the following details to transfer funds into your new US account.
Bank name: ETRADE BANK
Routing number: 056073573
Accounting type: Checking Account
Account number: Your personal account number.
*ACH (direct transfer) is different from a wire transfer; A wire transfer has different routing number and usually used for International Transfer. Enjoy banking in the USA!
Here is the link for this Complete Investment (Brokerage) Account:
http://us.etrade.com/e/t/microsite/custwelcome?SC=

UNDERSTANDING DATA ENTRY

Data entry is the act of transcribing some form of data into another form, usually a computer program. Forms of data that people might transcribe include handwritten documents, information off spreadsheets from another computer program, sequences of numbers, letters and symbols that build a program, or simple data like names and addresses. Some people perform jobs that are exclusively data entry, while others, like programmers, might have to occasionally enter data.
Since the advent of computers, and since the beginning of typing, the need to collect and neatly present documents has required data entry. Good typists, especially those who are also excellent at 10-key typing often are the most qualified for data entry positions. On the other hand, many computer programmers are not terrific typists but still plow their way through inputting code into programs when needed.
People who work exclusively in the field of data entry are likely to be quick typists, able to read off longhand or typewritten documents, and must be accurate. In programming, the wrong letter, number or symbol can throw off an entire command function of a program. For spreadsheets or for documentation that will be published or printed, typos can result in misinformation or embarrassing errors.
Data entry requires focus and concentration, and some find the work exhausting and even challenging to the body. For any person who types all day, paying attention to maintaining good posture, typing in an ergonomically sound position, and taking breaks for the eyes and hands are all important. Most experts in workplace ergonomics suggest that people entering long streams of data should take a break at least once an hour by moving away from the computer screen. Hand exercises and stretching exercises for the body may also help prevent typing related injuries like carpal tunnel syndrome.
With a number of information systems requiring a constant stream of data, data entry doesn’t necessarily have to take place in an office or workplace. Many people work out of their homes entering data, transcribing medical information, or updating websites — especially websites that offer merchandise. You can find numerous telecommuting data entry jobs available which provide people with an excellent way to have a flexible schedule.

WARNING!
What should be avoided for anyone who wishes to enter the data entry field are “scam” offers, which promise data entry work if you pay a fee. Although there are many of these scams on the Internet, there are many legitimate data entry jobs available through reputable freelance sites that don’t require a fee. Typically, data entry jobs pay between 10-15 US dollars (USD) per hour. People with specialties like medical transcription, can make a little more than that.

In some cases, computers can perform data entry by scanning documents and converting information into different programs. It is predicted that this method and others may ultimately take over some data entry jobs. For example, voice software might eliminate the need for medical transcriptions at some point.
If you do plan to work in the field of data entry, it can help to diversify your skills and learn something about the field in which you’re working. For example, if you spend days entering code for websites, learning tools to program in HTML and Java might make you more employable in the future.
Choosing the Right Company for Online Data Entry Jobs
Well, there is an article about data entry jobs that i came across and sure can be of help when choosing a data entry company.
Here it is:
More and more companies today are outsourcing online data entry jobs, making this one of the more lucrative work at home opportunities available. You must be cautious in choosing the companies that you work for, however, since there are many that will just take your sign up fee and then provide only stale leads or thinly disguised Internet marketing spam. Since many companies charge a set up fee, you may find it difficult to tell the legitimate companies from the scams. Here are some hints to help you find the best jobs on the Internet for working at home.

Longevity
Online data entry jobs that are handled by companies or sites that have been around for a while are the most likely to be legitimate work at home opportunities. Companies that scam the public or that have a poor payment record are unlikely to stay around very long, simply because there are forums and discussion sites where information about who to avoid is posted for all to see. A company that has only been in business for a few weeks or months and is promising the moon may be perfectly legitimate, but is more likely one which is not to be trusted. Look for a track record of legitimate job postings and prompt payment.Customer serviceYou should be able to reach the company directly through a customer service number. Online data entry jobs from companies where there is no way to contact customer service or where the representatives are not knowledgeable about the company are automatically suspect. If the representative cannot make themselves understood in English, you may have trouble getting yourself understood in the event of a payment problem. You should be able to ask questions of a person who can respond with good answers.
I hope this article is becoming good as you read further. In my opinion, it offers good information about choosing a good data entry company. Lim sure did a good job.Good reputationLook for the company that you are considering for online data entry jobs through your favorite Internet search engine. If they have a web presence, check to see if there is a forum attached where people can post comments. You may also want to check the various review sites for the general reputation of the company. Another place to check for the reputation of the company is at the Better Business Bureau. This will tell you if the company has a record of poor or slow payment, if they have poor communication characteristics and if they have ethical and professional attitude toward customers.

Subject matter
The type of online data entry jobs that you choose should be based on the type of interest that you have. If you have concerns about technical writing on subjects that you have little knowledge of or interest in, then you shouldn't accept work that focuses on technical writing subjects. If you are uncomfortable with adult websites or businesses, then don't accept assignments from such businesses. You won't be able to do a good job for the customer even if they are willing to pay more. It is not a financial issue; it's an ethics issue with certain types of data entry work.

Paid Online Survey

One of the easiest ways to make money at home is through online survey sites. Paid survey sites can be a lucrative way to make extra spending money, however, it does take time for the profits to build up. Signing up for paid survey sites will not make you enough money to live off of (unless you sign up for every single survey site on the web), but the money that can be made is very helpful and extremely easy.

Size
The amount of money that you will make per survey varies from as little as $1 to as high as $25 dollars each. Surveys that you qualify for and complete take a few minutes at a time depending on what the survey is about. The more surveys you sign up for and complete, the more money that you can potentially make.

Function
To take part in paid online surveys, you have to do a little research online to find the ones that work and pay the way that you would like. Once you find a few sites that you like and you've signed up for them, you will begin receiving survey invites in your email inbox. Every survey that you take and complete will count towards your total payout. In many cases, you will have to reach a certain dollar amount before you receive your money Some sites will pay you via PayPal if you have an open account, whereas others will send you a check by mail after you have reached the payout threshold.

Benefits
The biggest benefit to online paid surveys is that you are able to make extra money right in the comfort of your home. All surveys will be sent to your email that you signed up with, and there is no need to hunt down additional surveys unless you choose to do so on a survey company's main website (some sites have this as an option although some do not).
The money is guaranteed and you are able to check online to see how much that you have accumulated over time and know when you should expect a payment. There is no limit on the amount of paid survey sites that you are allowed to sign up for either. So as long as you are comfortable with doing all surveys that are offered to you, you may sign up for as many sites as you would like which will increase your income potential.

Warning
Although there are a ton of reputable survey sites online, there are also a number of scam sites online as well. Any site that requires you to pay in order to participate in surveys are likely not real and should be avoided. You will also want to do some investigating on survey sites by doing some searches online regarding the site to see what type of information comes back. There are tons of rip-off report sites that will have consumer posts on what sites to avoid and which ones are the best to sign up for. Always use your best judgment before just signing up for any site.

Misconceptions
Because of the amount of scams that can be found online, many people have written off paid surveys as not being worth the time. The truth regarding these types of home-based money makers is that they are actually necessary for the companies that use them. Thousands of companies use market research as a way to reach out to consumers to know what products are working versus those that are not. It helps companies determine what new products may sell very well in comparison to some that may not. Reaching consumers over the Internet is much easier, cost-effective, and less intrusive than it is to do market research over the phone.

Understanding Online Surveys

Introduction

Online surveys are common ways of offering feedback to companies. Occasionally, you'll receive rewards for offering your personal opinion about products or services. Major corporations sometimes use online surveys to find out what customers are looking for. The gathered information is then used to create a brand new idea.

How Does an Online Survey Work?
Online surveys are generally designed to find out about the habits, needs or desires of individuals, who are used to represent a larger population of people. This may include shopping or spending habits, information about the products they use or the television shows they watch. In offering surveys that can be completed online, a wider range of people can be accessed in a shorter amount of time. Sometimes, there will be screening questions for a potential respondent to answer, which will allow whomever has designed the survey to ensure that they are getting an accurate representation of the groups of people they are seeking information about.

Demographics are often important, so some surveys may be targeted to people based upon age, race, location or sex. In addition, some may target parents, individuals who perform activities such as grocery shopping or perhaps those who like to play video games; some may be constructed to evaluate service or business for a particular institution.

How Do I Participate?
The number of respondents needed will be determined, and the survey will be advertised in an effort to screen people in or out. Some may be advertised via banner ads. There are also websites on which people sign up to complete surveys, often in exchange for some type of reward. Once a person has been qualified to complete a survey, he is asked a series of questions varying in length. A computer program generates the questions, which sometimes are based upon the answers that are given. The program is often able to determine if an individual can provide further information based upon certain screening questions. Many of the questions will allow the respondent reply "yes" or "no" or give multiple choices for a person to choose from. Some will require you to rate items on a given scale

Analysis
Once the specified number of a particular survey has been completed, the creators or the business are then able to analyze the data. Most survey software does this automatically and provides the creator of the survey with charts, graphs, spreadsheet or database information that concisely analyzes survey results. This information may help a company come up with different ways of offering a service or may help them in marketing their products. It may help to determine what people do and don't like about certain products. It may give a representation of how people feel about certain services or may provide enough information about a group of people so that businesses know whether or not certain new products or services might appeal to them. Online surveys are an effective and convenient way of reaching a large amount of individuals in order to obtain important information. In addition, it gives consumers a voice in the products and services that are offered to them.

Function and Means of Income
Online surveys are mostly used by companies to gather information from current or prospective customers. They help companies find out about a customer's needs, preferences, or opinions. Online surveys are useful tools for offering customer’s feedback to many businesses and get paid as these services are rendered to the various companies. On a smaller scale, online surveys can also be used by website owners, where visitors offer their opinions about their likes and dislikes of the website.

Types
Some companies pay cash or offer prizes to consumers for their feedback regarding services or products. Most of these online surveys don't pay enough to get rich, but you'll occasionally receive enough for spending money. Other online surveys do not pay at all, and will ask for your opinion only. You'll answer the questions presented to you either immediately after or before you acquire the service or product.

Considerations
Although online surveys provide important information to many companies, they won't pay you a fortune for your opinions. Most online surveys do not pay you anything for your feedback. Shopping on multiple websites, you'll most likely encounter a survey request. Provide the company with a few short answers and that's it. You won't receive a reward beyond a "Thank You" for taking the time to respond. Usually, online surveys are presented only for gathering information with no rewards.

Warning
One of the biggest mistakes you can make when answering online surveys is to think it can substitute your full time job. Although you may periodically get lucky, most of these online surveys are just for fun. Be careful when providing your personal information on unfamiliar websites or pop-ups. Some phishing scams are camouflaged as online surveys. Once you've entered your personal information, it will give someone else unauthorized access.