Withdrawing PayPal funds has been a problem for many online workers and freelancers in Kenya. However, things are getting better and today; you can get a US debit card that you can use to withdraw PayPal funds in Kenya. This is the cheapest option available and it is the safest way to withdraw your dollars than the PayPal mpesa methods.
How do you apply?
What you need to do is register with the card issuer and you will receive your card within a period of one month. It is easy to register, as you only need to provide your postal address and street address as well as names and identification document.
When filling the street address, ensure that you do not exceed 25 characters and it should be a home street address and not a business street address. The section of postal and street address is where many applications do not get it right and their applications are returned. However, if you do not fill the details correct and the application is returned, you can make the corrections and send the application again.
When you receive the card, you can now withdraw PayPal dollars in ATM machines in Kenya, which have a MasterCard symbol. For me, Barclays has worked perfect. You use the “universal” option on the ATM to withdraw your PayPal money.
How much can you save?
You can save money with this card because you do not pay the charges that third parties charge for PayPal transactions. The third parties like e-pay charge more than 10 percent. This means that if you are withdrawing $500 dollars with e-pay, you pay more than $50 dollars in charges. This translates to Kshs. 4,000 for every transaction you make for $500 with the third parties.
With the card, withdrawing from PayPal to the debit card is free and it means that PayPal does not charge anything. This is because the money is in a US checking account. PayPal does not charge for withdraw transactions with a US bank. However, the card issuer charges 1% of the total amount you are loading to your debit card.
At the ATM, to withdraw $500, which is equivalent of $40,000 shillings, you only pay about 2.5 dollars in ATM charges. This means that it will cost you about 5 dollars ATM loading charges for $500 at the rate of 1% and the ATM withdraw charge of about 2.5 dollars for Kshs 40,000.
The total cost is $7.5 dollars. When you compare with the third parties which cost you more than $50 dollars for withdrawing $500, it means that you saving over $40 in every transaction of $500 dollars. You can imagine how much money you will save in one year. This is surely the card you should go for to withdraw PayPal funds in Kenya safely and cheaply.
How long does it take?
It takes about 3 days for the transaction to be completed. When it is completed, the amount is right in your US bank checking account and you are notified that you account has been loaded. When the money is in your account, you can walk into any ATM with MasterCard symbol and withdrawal your dollars. Barclays Kenya works perfectly. I also believe that Standard Chartered bank also works for the card. Although KCB has a MasterCard symbols on their ATMs, this card does not seem to work with their machines. I do not know why but you can trust Barclay to withdraw your PayPal funds in Kenya from ATMs using the debit card. Register for free here and start enjoying the cheap rates of withdrawing your paypal dollars.
As the demand for freelance jobs increases, many online workers find it difficult to withdraw PayPal funds from local banks. This factor is contributed by regulations governing the use of PayPal accounts in many countries. Some countries do not have local banks that support PayPal funds withdraw such as Kenya, This aspect creates a lot of problems in drawing your funds. What happens is that you have your money stuck on your PayPal and you only use it to buy goods online.
To try and circumvent the problems, many PayPal account holders use third party means of withdrawing their funds. This is not only contrary to the rules of PayPal but also risks your account being suspended. In addition, the third parties charge high commissions leaving you drained of your hard earned money.
Nonetheless, you do not have to go through these challenges as today; you can get paypal supported debit card that you can use to withdraw from an ATM machine which has a MasterCard sign anywhere in the world. I come from a country where local banks do not support direct deposit of PayPal funds to account holders.
However, I have obtained the debit card and have used it for the last one year. It has saved me a lot of money which is could have lost to third party agencies. This card is issued free of charge and mailed to you wherever you are. The application process is easy as long as you give the details correct. From my experience, I have noticed that during the application process of this debit card, the address seems to be the most challenging parts.
Many people only have postal addresses and do not have street or physical addresses. When you are applying, you have to give both physical or street address and your postal address. The card is mailed to you through the postal address you provide. The physical address is for record purposes to show where you stay. This physical address should not be a business physical location but your real home physical address which shows the house, apartment and street where you live in your country.
When you have given these details, your application is approved. Even when it is disapproved in your first application, you can make the changes they require and re-submit the application again. Besides, when the debit card has been approved, you also have to request for US payment service. This card is issued by a US card issuer and before you withdraw the money to the card, you have to be granted the US payment service.
This is pretty simple and all you need is to fill out the form you are send. Once approved of your US payment service, you are given details of the bank where your funds are deposited from PayPal. It is a US bank checking account. You get all the details and how to go about in funding your account from with your PayPal money.
When you have received your card, and the checking account details, all you need is to go login in your PayPal account and go to withdraw button and then withdraw your fund to the checking account you are given through the US payment service. Remember, you cannot withdraw the funds if you do not have that US payment service details even if you have received the card.
Benefits of using the debit card
• The debit card is issued free of charge
• The issuer only charges 1% withdraw charge to the debit card account
• PayPal does not charge you to withdraw the money to your US checking account. It is FREE
• It takes about 3 days for the money to reflect in your online debit card account. An email is sent to you notifying you that your debit card has been loaded.
• Withdrawal charges are very minimal about $ 2.5 per one ATM withdraw even if you are withdrawing $500 or more
• You save a lot of money because the fees are very minimal
• You do not have to use third parties agencies which are otherwise not authorized by PayPal
• You do not risk you account being suspended by PayPal
Disadvantages
• The card issuer charges an annual fee of $29 dollars however, considering the amount you save from the fee charges charged by third parties, this is negligible amount. It is really nothing and you do not feel the pinch.
• Although the card is send to you free, when you lose it, you are charged some amount for replacement.
Surely, this is the only way you can get hassle-free withdrawal of your PayPal funds since you eliminate the high charges you are charged by third party agencies, which are not licensed. You can apply for your debit card. IT IS FREE
If you are running an email marketing campaign, you need to ensure that the email mass software application is optimized for email inbox. Email campaigns experience problems and it is thought that the most challenging aspect in mass email software application is not the use of HTML code but delivering the content.
Different email reader programs interpret email campaign contents differently. If you read emails regularly in your smartphone, you may probably know that it can offer an awful experience in displaying the content. Email newsletters delivered through mass email software look superb when in the inbox but because smartphone screens are small, the newsletters are squeezed on those tiny screens and this can cause problems.
The newsletters distributed through mass email software can be distorted with narrow columns, fonts, and broken layouts. When using mass email software for your marketing campaigns, you need to emphasize on design for mobile devices. Considering the large number of users using smartphones to read their emails, it is necessary that mass email software campaigns look at these issues.
The mass email software should cover the fundaments of designing and building a smartphone or mobile-friendly email marketing. Getting your email newsletters display properly on mobile devices is as essential as ensuring that it reads well in long-standing email clients like Googlemail and Outlook. Email marketers who are not tracking which devices their subscribers are reading their mails or those who are not optimizing their emails for mobile devices stand losing out in their mass email software applications.
How an HTML-coded email displays will vary from one inbox to another. For example, while the default android email program or client that appears on Google Nexus is believed to have a superior CSS support, the Gmail client program that is also shipped with the handset is likely to ignore styles within the tags and it cannot make head or tail of many run-of-the mill CSS2 properties.
When you use mass email software, you need to ensure that these aspects are addressed. Your email should not be wider than 600 pixels and keeping the size less than this helps display the content properly in all email clients including the mobile phones. The iPhone preview pane is 320px wide and Blackberry is about 360pixels. Most mobile users scroll horizontally to enable them view the content delivered through mass email software in a better way, but an email wider than 600 pixels may not fit on one pane and therefore will not display correctly.
When using mass email software program, the images included in the newsletter or other contents need to be about 480 x 480 pixels or smaller. Moreover, as you use the mass email software, you also need to clean up your plaintext. You need to give attention to your plaintext by switching the view of your newsletter campaign in the top right corner to plaintext rather than code view.
Because of the large number of email clients, security setting, and browsers, it is difficult to know how JavaScript is received when sent through the mass email software. JavaScript not only causes browser problems at the recipient’s end but it is also stripped out of the email. Therefore, it is better you avoid JavaScript in the mass mail software application.
Until you face a situation where you do not have cash in your account and no one to lend you money, you may not know the importance of payday loans. Financial stability is an aspect that many people strive to achieve but it doesn’t always happen to many people. Even with a substantial income stream and good personal financial planning strategies, at times you run short of cash and you are placed in an urgent need for money to settle a financial emergency need. This is the high time you realize the benefits of payday loans.
These types of loans are specially designed for the most pressing financial needs and its imperative to point out they may not be the right loan facilities for everyone.
There are immediate benefits that are attached to these types of short term loans and these include;
• Easy application process.
• Disbursed within a short time.
• You do not need to provide your credit worthiness.
• Can apply online.
When you are faced with a cash emergency such as medical bills, you need money in the least time possible so that you can resolve the financial need. With the conventional financial institutions, the process of loan application may not be easy and it may take you a while. This is where payday loans come in handy.
These cash advance loan facilities can help you when you need cash fast and have no alternative to get the money. The loans can be applied and released pretty within hours or a day. The process is simple and does not require you present a lot of information about your credit worthiness.
With the challenges people are facing from bad credit report, the payday loans have provided a relief for those people seeking for financial assistance when they need them most. Banks and other financial institutions are shying away from lending people with bad credit and this means that people cannot access loan facilities from these institutions.
Even in cases where people have stabilized in their finances, bad credit reports continue to affect them for years thus being locked out from accessing loan facilities from the traditional banking institutions. This is the reason why payday loans have been praised of offering tailored services that are most beneficial to people who are still suffering from effects of bad credit.
In addition, these payday loans can easily be applied online and may not require you to fax information or wait in queue in a payday loans store. It is also important that people anticipating to borrow these fast cash, they understand that there are pros and cons of the loans.
Although these loans are very convenient to obtain, they can also be quite technical in their payment. They mature pretty fast and require that you have a promising employment in order to be able to pay them. One of the limitations is that these loans have a relatively very high annual percentage rate APR. This means that they may not be appropriate for long term loan facilities.
If you have to take these loans, you need to ensure that you observe strict repayment plan to avoid any delinquencies. If these loans are borrowed appropriately, these can indeed help repair your credit report. When you are borrowing payday loans, you need to understand the benefits and limitations so that you do not mess up on the repayment, which can worsen your credit report.
Mystery surrounds a 3 months old baby that is believed to be suffering from one of the rarest condition every reported in human history. The boy is believed to suffer from a condition known as Spontaneous Human Combustion where the body catches fire as a result of excretion of inflammable gases through the skin.
Rahul, the name of the boy came to headlines when he was first admitted at Kilpauk Medical College and Hospital on Thursday. The boy was admitted at the hospital early August 2013 and has been the cover story on many news resources in the Asian countries and around the world. The body is a native of Tindivanam, Tamil Nadu and according to doctors; he is believed to be suffering from a rare medical condition known as Spontaneous Human Combustion.
Close to over a dozen of tests have been performed on the baby to establish the functions of the body but the results from the tests appear normal. Tests of the kidney and liver are normal and X-rays conducted do not indicate any damage to the bones. Medical experts are also suspecting that this could be a hoax and the child may have suffered a burn out of a child abuse.
However, it is early to rule out the possibility of the Spontaneous Human Combustion condition and doctors are performing more tests. Doctors are also examining if there are any genetic makeup that could have triggered this condition. Apparently, there is no specific cure for this condition and what doctors are doing is treating the symptoms as any other burn incident. The child was admitted to the hospital with 10 degree burns on the body owing to the said condition.
The boy is undergoing treatment at the Chennai hospital facility and is in the intensive care unit of the Kilpauk Medical College and Hospital. According to Dr R Narayana Babu who is the head of the paediatrics department, Kilpauk Medical College, when a patient suffers from Spontaneous Human Combustion, "The body burns spontaneously due to combustible gases emitting from the patient's body, without any external source of ignition,"
Dr R Narayana further elaborated that "Clothes and other things nearby that are inflammable may also catch fire." The boy is receiving further test analysis such as urine and sweat to check for any toxic substances that could cause the condition. A biopsy of the boy’s skin is scheduled to be done after he recovers from the burns in order to shed some more light on this mysterious condition.
According to the parents Rajeswari and Karna, baby Rahul first caught fire close to four times since his birth. The first fire incident occurred nine days following his birth. Baby Rahul’s father, Karnan said that he did not believe what doctors were telling him because he saw the boy catch fire with his own eyes. As at now, the baby Rahul is receiving treatment for burns with administration of antibiotics.
The Spontaneous human combustion theory has been dished by many medical experts citing that the body cannot catch fire on its own without any external source. However, there have been over 200 cases cited in the past 300 years for possible Spontaneous Human Combustion condition. Some of the natural explanations to the cause of this rare condition are that the intestinal conversion of food into methane can happen through methanogens.
When methane is released through skin pores, fire may be triggered by other sources like static electricity of silk clothes. Concentrated gas and raised blood alcohol may also cause ignition to occur. In February 2013, a 65-year-old man from Muldrow, Okla is believed to have passed away from Spontaneous human combustion where his body was found burnt without any possible course of fire by an external source.
Debt consolidation is simply taking multiple unsecured debts and combining them into one monthly debt with one monthly installment. Debt consolidation helps reduce interest rates on your debts something that slows down the rate at which your loans build up and how fast you have to pay the debts.
Consolidating is only applicable to unsecured types of debts such as credit card debt and unsecured personal loans. The problem with debt consolidation is that it does not work for every situation or every other person with a debt. There are different ways you could consolidate your loans and one is use of debt consolidating companies.
When you opt for these companies, you need to be wary of their operations. They charge for the services and the fees and interest rates could stretch enormously particularly if you have poor to fair credit score, which is common with people who are struggling with debts.
In addition, debt consolidation companies could subject you to a longer repayment plan that could result to payment of more interest in the long run even when the interest rates are lower than you had before. You may also decide to consolidate your credit card debts with home equity line of credit.
A home equity loan or home equity line of credit- HELOC can offer lower interest rates compared to other loans. However, you need to be careful and therefore you should consider the difference between your mortgage and the credit card. This is so because your credit card is unsecured while the mortgage loan is secured.
If you do not pay your credit card bill then the lending institution will not automatically take any collateral. Another way you may consolidate loans is by making use of 0 percent credit card balance transfer. You can use this option to consolidate your credit card debts in one card but you also have to be careful. You should read the fine prints on the offers. You need to consider your ability to repay the loan within the shortest time possible.
However, if you will not be able to settle the debt in short period, it may also be costly to go for the 0 percent interest credit card. This is because when the introductory period is over, the APR shoots up and it is better you opt for the low balance transfer credit cards.
Recently, there has been a new way of consolidating loans and this is peer-to-peer lending option. There are peer-to-peer lending companies that can help you connect you with a person who can invest small amount of money. You can get consolidation loan at good rates than you may find anywhere.
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| "Acer Chromebook" |
The falling demand for desktop computers and laptops owing to the increased use of smartphones as seen mixed reactions from PC makers and Acer does not take this lightly. Acer is the fourth largest computer maker but over the past few years, things have not been on their side. The chairman of Acer, J.T. Wang hinted that this giant computer maker was shifting focus to diversify its market by growing its non-windows range of products.
Speaking to investors, Wang noted that the move would take effect as soon as possible. Wang warned that Microsoft needs to build confidence with its associates as far as windows products are concerned otherwise it risks falling into dark times in future where its windows products may become irrelevant.
With increasing use of smartphones, and tablets in the recent years, it has seen the demand for traditional laptops and desktop computer diminish. This is an aspect, which has sent the sales, and profits of computer chip making companies like Intel to remain tumbling. According to a statement by Acer’s chairman Wang, the company would focus on android, a mainstream Google product on the smartphone market.
In addition, it would also shift more attention to chromebook operating system. Considering that Microsoft is a rival for Google, this could mean positive news for Google. Acer’s strategy may be beneficial to Google’s android development. Android has been very popular with smartphones and tablets and the Acer’s move would further build more confidence with the growth of android operating system.
Microsoft has created a situation where there is lack of confidence in windows products something that has led to consumers being hesitant in buying windows computers. In the second quarter of 2013, Acer posted a net loss of £7.3 million equivalent to $343 million and when this is compared to the results of second quarter in 2012, where the company recorded a net profit of $68 million equivalent to £1.5 million, it clearly shows that Acer is facing tough times ahead.
Its move may help in keeping the company in the right track as far as profitability is concerned. However, there are concerns that with too many smartphones on the market, there is more to be done by Acer. With the Intel Corp showing slow trend in its chip products’ demand, a common consensus is needed to make the demand for PC computers and laptops increase in coming years.
The shipment of personal computers has dwindled despite the introduction of windows 8, which has been designed to make PCs look like tablets. According to a research firm IDC, the word-wide shipment of desktop and laptops including those of giant makers like Dell Inc. and Hewlett Packard has fell significantly in 2013.
IDC noted that this is the sharpest drop in the shipment of personal computers and laptops since the research firm began tracking PC and laptop data in 1994. The shipment fell by 14 percent in the first quarter of 2013. Gartner Inc, another research firm also gave similar results after it cited that the estimated global shipments of laptops and personal computers sank by 11.2 percent.
The move by Acer to shift its attention to chromebooks and android operating systems may be welcomed as a good strategy for turning around the sapping demand for PCs and laptops. But can Acer impact the already ill-hurt PC and laptop market?
