Western Union Form To Send Money International Pdf: Fill & Download for Free

Wire Transfers between two banks is essentially not too complex. To understand the whole concept of wire transfer, you need to understand the different types of Wire Transfers:Domestic Inter-bank Transfers (within the country transfer from one bank to another)Domestic Intra-bank Transfers (within the country and transferring from one bank branch to another)International Inter-bank Transfers (probably the most common/famous bank transfer, whereby funds are transferred from one bank in one country to another bank in another country)International Intra-bank Transfers (transferring of money within the same bank, but in a different country)Domestic Inter-Bank Funds TransferThis depends on how the setup is in each country. It can be done via RTGS (See Wiki on RTGS: http://en.wikipedia.org/wiki/Real_Time_Gross_Settlement) or via a local Automated Clearing House or even a localized Financial Network or Switch. Essentially, banks are members of a network (secure, closed network) that essentially allows banks to net off or send payments to each other and exchange beneficiary details. Some old-school (read: not technologically advance countries) still do this manually by exchanging physical cheques and then settling them. Whilst, most of the modern and even developing economies have some form of an exchange / network to connect to and settle. The United States, for example uses ACH for this purpose.Intra-Bank Funds Transfers (Domestic)For Intra-Bank Transfers the procedure is very simple. Most banks will simply instruct their core banking software to do an FT (Funds Transfer), which essentially means debit one account holder and credit the other account holder.Intra-Bank Funds Transfers (International)When the same Intra-Bank transfer is done internationally, banks in both the remitting country and the beneficiary country have to follow laws in their respective countries for reporting the same to the financial services authority / central banks on the money in-flow/out-flow (see more below on the different types of reporting).Inter-Bank Funds Transfer (International)On the International transfers, for Inter-bank transfers, banks usually use the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network. Think of SWIFT as the common denominator (or network) to connect any two banks. Sometimes two banks may have a direct arrangement (for example, a transfer from Citibank NYC (US) to Deutsche Bank Karachi (PK) have a direct arrangement, and hence the transfer will be done via the SWIFT network, without the interaction or involvement of an intermediary bank, commonly referred to as a correspondent bank.In the event a direct relationship is not available, banks have arrangements with each other (via Nostro Accounts).So for example, if Sunbank out of Orlando Florida (US) needs to send money to Mr. XYZ at Askari Bank in Lahore (Pakistan), the two banks here: Sunbank and Askari Bank certainly do not have a working arrangement.Via SWIFT Sunbank can easily see that Askari Bank has an arrangement with Deutsche Bank NYC as a direct arrangement. IF Sunbank has a direct arrangement with Deutsche Bank - via a Nostro Account, they will simply send an instruction and the money to Deutsche Bank and and then Deutsche Bank NYC will accept the funds, minus its correspondent banking fees, and forward the money to Deutsche Bank (Karachi).If Sunbank does not have a direct arrangement, they will ask Deutsche Bank for the bank account used for on-ward funds transfer and simply do a local wire transfer (ACH) which can take up to 2 days to clear.Because Askari Bank and Deutsche Bank (Pakistan) have an arrangement, the funds come into the nostro account of Askari Bank in Deutsche Bank Pakistan. Askari Bank now has your money from Sunbank Orlando Florida. At the end-of-the-day settlement of Nostro account, the incoming money is transferred into the appropriate central account of Askari Bank and which will then do a FT (Funds Transfer) of the money to your account.In this case, Deutsche Bank (Pakistan) may deduct correspondent bank fees and your bank may do the same. All in all, it is not unusual for mid-bank deductions to be in the vicinity of US$ 25 to say US$ 75 per transaction.Reporting - is a very essential element of wire transfer business. Depending on the country (each has its own set of requirements), such reporting includes essentially:KYC (Know Your Customer) ReportSource of Funds Reporting (if Cash was induced into the source end of the transactions)AML (Anti-Money Laundering) Report (specifically velocity checks)SAR/CTR (Suspicious Activity Report / Currency Transaction Report)OFAC (Office of Foreign Assets Control - predominantly practiced by the US) and in other countries they may have their own check lists to see if the funds are being transferred To/From people on a given checklist.Threshold Reporting (reporting on amounts that exceed a specific monetary value in a given number of days, usually US$ 10,000 in the last 30-day window)Workers Remittance Reporting.Any other reporting as required by law or internal policies in the country the Bank is operating out of.See also:Faisal Khan's answer to How does a remittance money transfer work? What are all the steps and who is involved?Faisal Khan's answer to What exactly happens when money is sent via Western Union versus a company like XOOM? What is the difference?Faisal Khan's answer to How does the settlement of payments work in banks? Specifically, how do payment systems that are connected to multiple banks actually settle the amount between two banks?Some references:NOSTRO & VOSTRO Accounts: http://en.wikipedia.org/wiki/Nostro_and_vostro_accountsSociety for Worldwide Interbank Financial Telecommunication (SWIFT) - http://www.swift.com/eHow - How Does International Wire Transfer Work: http://www.ehow.com/how-does_5162421_international-wire-transfer-work.htmlThe Answer Bank - What is a SWIFT Payment: http://www.theanswerbank.co.uk/How-it-Works/article/what-is-swift-payment/Progress: What is SWIFT (Good article to read): http://www.progress.com/en/business-need/about_swift.htmlSWIFT Message Implementation Guide (PDF): http://www.swift.com/solutions/by_customer/corporates/overview/ssmtig.pdfSWIFT - List of Messages (PDF): http://www.swift.com/resources/documents/standards_inventory_of_messages.pdf

For everyone asking questions on WES.Steps for WES ECA evaluation for Canada Immigration purpose, important points and some more info.(a lot of info, so going to be a long post)Before you start just check following things:1. Website: World Education Services Canada: International Credential EvaluationPlease please go through the website and make yourself familiar with navigation. You will get most of your answers there. Don't start asking questions before going through information posted on website. Its for your own good to get first hand information before listening to other people.***Always make sure you are on Canada website not USA one. you can see that on top right corner of Website where a flag is listed with country name or in website address with "/ca" listed in address.***2. Degree equivalency toolDegree Equivalency ToolWES has free tool to check equivalency of your degree to Canadian degree. Don't rely completely on this as the final assessment always depends on the actual evaluation but it will give you an idea and a head start. If your degree is not listed there it doesn't mean it wont be equivalent to anything, you will get to know that in real assessment.***If you are not sure after using the tool, if your degree/college will be valid for ECA through WES try to email/ WES to check or ask if anyone had same degree evaluated before. That might help you little bit in the case where your degree/ college is not valid and save you some money, you can check other designated organizations for your ECA then.***3. Required DocumentsRequired Documents - World Education ServicesCheck what documents you need for your evaluation here. If you don't have those in hand just start collecting those. Get your transcripts from your university or any other document listed as per your education.You can also ask your university if they can mail your transcripts directly to WES, you can use "Academic records request form" given on website for this. Check if your University needs their own form filled too for releasing your documents.(do this after you get your WES reference number as you will need that in case you are giving the address of WES to university for mailing your transcripts, In case you are taking your transcripts yourself for mailing, you can get reference number later too).***Make sure your transcripts are valid. Transcripts must show: all subjects taken, grades received for each subject, and for each year you were in the program. Semester wise transcripts are not valid for evaluation. Transcripts should be sealed and signed with a stamp from university.******If your University does not give subject-wise Transcript, Ask if you can get all your mark sheets attested from University, and they will sign and stamp all photocopies and put them in one envelope and seal them with stamp like transcripts. That is mostly called document verification in University.***4. Check how will you pay your fees. Credit card/ Money order/ Western Union or in case any other option listed in instructions. Check it out. Fee is approximately $225-$230(including taxes) in Canadian currency. Rest depends on what additional services you chose for delivery etc. Cheapest courier option is $7.ECA - World Education ServicesNext steps:1. Create a WES account.World Education Services Canada: International Credential EvaluationClick "Apply now", then click on "Canada", Then "ECA application for IRCC" and proceed with further steps.***Make sure you choose ECA application for IRCC not the other option.***Fill up your details in all pages very carefully and correctly.You will have to provide a recipient address, give your address there. When you will proceed it will automatically generate "Recipient 2" as IRCC. Don't worry about that one, it is used for electronic delivery of your records to IRCC when you put your WES report number while filling your express entry profile.2. Pay your fees3. Reference number will be generated.(This will be used in all your communications with WES)***Once you submit your profile and reference number is generated you cannot edit your information so do not be in haste, check carefully and then submit.******Your reference number is not ECA report number. You can't use it in Express entry profile. It is only used for communication with WES. When your evaluation is completed and you get your ECA report it will have your ECA number which you will mention in Express Entry application.***4. Read all instructions on what documents to send and at which address.*** Put your reference number on all your transcript envelops(at an empty space, not on the seal or signature or anywhere on flaps) and backside of your degree photocopies. I will suggest using a pencil not a pen for that as sometimes pen ink leaks through paper.******You can put all your documents in one big/ master envelope and send to WES. No need to mail everything separately. Make sure again to put your reference number with WES address on the packet.******Do not send any original document to WES unless asked specifically with instructions that they will return it after evaluation.***5. you can check status of your application by logging in your WES account. It will show once they have received your documents, your evaluation report will take up to 20 days after your documents are received. Be patient.***If you are using tracking with your courier and it shows your documents delivered but WES account doesn't show received don't panic. It takes up to a week for WES to update receiving of documents.***6. Once your evaluation is completed you most probably will receive an email. You can find pdf copy of your report by logging in your WES account.***Check your report that everything is correctly mentioned.******No need to wait for hard copy of your report for Express entry if you have got pdf version in your account. It is same and have your report number on it which you can use for express entry profile.******Your ECA is valid for 5 years.***Note: Do not ask any question if you have not read entire post. If the information is already posted here just check it out. I am no expert but will try to answer any question which I haven't answered here if and only I am sure about that. Will also edit the post and add the point.If I have posted anything wrong feel free to mention and I will edit the post.Good Luck.Cheers.

First get handson experience in importing from china. dont think high profitability first .do your research online and offline . I attached example . use google keyword planner to check. we took marketing decisions based on it. it actually got us many paying customers. still it is .example in screenshot (with target country as india) has monthly search count of 170 for longtail “remote helicopter with camera” . its pretty high for a long tail. that means there is robust demand for it in india. shortlist products as per your budget,working knowledge of product and market demand.dont select a product thats too technical .Search in amazon india ,ebay india,flip kart etc on lightweight items that has lot of recent reviews .select product in which you have working knowledge and that has reasonable amount of good reviews . for example atleast 50 reviews with 4 out of 5 rating in amazon india.find a supplier that can work with your terms in alibaba kind of sites. only accept paypal as a mode of payment . dont accept western union kind of cash dealing .dont invest more than usd 100 to usd 250 to test a seller’s supply capability . prefer gold suppliers in alibaba or equivalent to shortlist verified suppliers . read reviews about them in alibaba and in relevant forums . google them.electronic items may have thin marginbuy samples . some supplier may send you free samples buy you may need to pay shipping cost .Also check google keyword planner(keep target country as india) for monthly searches. if the searches are significant then proceed. significant searches means 1000/month and above. check for longtailsgo to the website of cossman international. he is a renowned international marketer. according to him you can also market many products (of foreign manufacturers)in your country by just obtaining rights instead of buying them as importer/ acting as agent. his teachings are downloadbles as pdf elsewhere. he showcased how a student of him marketed plastic wheel barrow into USA market using this rights method(ie no investment upfront). ie wheel barrow manufacturer was a netherland company who was looking for persons in usa to represent them. this guy obtained rights to market this company’s products in usa . obtaining rights is different than being an importer or distributor or agent.try with products that are available in mall . ie fast moving products. research offline and onlinegiven is the link from government of india’s ministry of commerce official website for export import data. you can get export and import data, countrywise,commoditywise . any combination . use that as starting pointUse import genius or info drive kind of trade intelligence info providers to find genuine suppliersyou can also use reputed consultants like Barai overseas. he is in twitter also. he has written an ebook in amazon india on same subject. Barai overseas gives daily updates (tweets)on most important developments in import export field in indiapreviously import genius allowed us to see import data for free(blocked it now for some reason). I was able to see the shipment(import) details of my friend’s granite company in ohio. his family owns a granite company in my hometown . he imports and sell those in america. he also imports from srilanka. i was able to get the seller details in srilanka using import genius . shipment details means everything including vessel name,date ,importer name, commodity name, import price , consignment handling agency details,bill of lading etcyou can also ask world trade center mumbai . they were selling leads. ie recent shipment info . you can buy them to identify suppliers.most new importers and exporters do not know you can obtain basic data for free from zauba dot com. get free login in zauba . use the import export search form there. example is latest import(into india) details of tooth brush from chinafree , trade info from zauba is much better than data from department of commerceIf you already have experience in importing then setup a lead generating page using lead pages dot net or similar service. you can even use wordpress (free) or weebly or wix .you can setup lead generating website easily yourself. goal of a lead generating website is to get you customer 24x7 . have a closeup shot of the product in the home page(and the only page of the website)have a descriptive domain like rccopter importer dot in(if you import remote control copters) . describe in detail on the product you are importing . it will get indexed in search engines and you will get customers continuously if you do keyword research ,basic seo and web copy writing.you just need to spend rs 100 for domain (godaddy coupon) and use weebly for free. use aweber /mailchimp/madmimi/ininbox for email marketing. you can use last three initially . free upto a limit.newsletter is an easy way to get new customers.dont write anything other than product details with phone ,email form in front page(sales page/lead generating page). no other story. goal is to get you more customers from sales page.google keyword planner recently (8th sept 2016 onwards?) is not showing the exact search count . like 1550 /month . instead its showing like 10 -100 ,100 - 1k , 1k -10 k etc . nevertheless its of great importance to new marketersyou can also use the expertise of ECGC . government company whose advice will help you to determine upfront if the supplier can delivernot affiliated to any of the linksin your case see the website of HKTDC . they have verified suppliers .verification done by globally known brands such as Bun and Brad ,SGS. example in image . they are leaders in business credibility records and maritime trade inspection respectively.verification stands good at the time of inspection date given . so always use inner instinct . verified suppliers may not accept your terms like low volume or mode of payment like paypal. they insist TT /Letter of credit.but ask themsmall time suppliers may accept your terms .in malls you can see that many chinese products are there. buy one of them (the product you like to market)if you feel that they are of good quality . you need not even buy if you can see the website url in the product cover backside. write to the supplier by emailfew years back I used same technique to get free samples of a good quality plastic wall hangers with suction cup(which I saw in a retailer shop in forum mall bangalore). I wrote to the manufacturer in china after seeing their website. I attached scanned copy of my IE Code as well stating that I am a possible and genuine buyer and that I am ready to pay the sample cost including shipping fees. then I forgot about this thinking that they will not respond for trivial enquiriesafter few months I got a call from foreign postoffice ,museum road ,bangalore stating that I need to pay tax for a shipment from china . when I went there i found that its a lie. they got some money from me (bribe) to give me the sample parcel. it was stated on the cover in big letters that its a sample .In the image as below you see that tooth brush pieces(3 dozen for Rs 91)are imported by somebody. that is most likely a samplesee the last url for commercial news usa (to use in rights method as above)which has advertisements and export news from all over the world. digital edition is freesubscribe to digital editions of various export trade journals and read them. you can find a supplier who can work with your termsuse google local (now called google my business) to get customers from local area,your state and even countrywide . register in google local . upload your product picture(like the rc copter example) so that its image file name is same as the longtail keyword(and describes the image correctly) you want to target. google my business is free and no website required. uploading product photos image file name same as targeted longtail keyword helped us to get paying customers for free consistently.Also see last link on same topic. my opinion is that you invest minimum amount only and get acquainted with the process.when you have own website (wordpress/joomla/drupal/other CMS ) with focus on a particular category of products or niche (in which you have hands on experience . technically or in sales)then its easy to get suppliers(from china) and buyers(retailers in your case). just concentrate on longtailsalso see FIEO in link. we got buyers via thatyou can pay seller in china to send sample. some sellers just ask for shipping fee of sample . like USD 5 to 10 .some seller ask us to pay them by paypal . you can use credit card or can use debit card . like icici ,axis bank,PNB debit cards. not all debit cards gets authenticated by paypal . list is available in shoutmeloud.GOVERNMENT OF INDIAMinistry of CommerceImportGenius | International Trade Databases for Import-Export BusinessesCossman International MarketingWelcome to ZaubaDIY Website Promotion | How to Create and Submit Websites to Search Engines like Google | Free Site Submission | Website Ranking | Do It YourselfHong Kong Suppliers and Hong Kong ManufacturersExport USA - The export promotion magazine of the USABring Our Money Home Again!http://www.vskills.in/certification/foreign-tradehttps://www.fieo.org/nonmemberregistration.phpHow You Can Make Big Money Importing From China - The Rise and Fall of My Empire...