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Starting a bank today among so much negative banking news may sound intimidating, but in this chaos there is great opportunity. The Wall Street Journal recently published, "It's a Great Time to Start a Bank," observing that many investors are starting banks to capitalize on skepticism around big, established banks. Former Federal Reserve Chairman, Alan Greenspan was quoted as saying he would start a bank himself if he were 50 years younger, saying the return on capital could be impressive.

The Risks of Starting a Bank Today

Starting a new bank today means you will not have existing customers to immediately provide you with capital. It may be hard to get your initial customers as you will not have the credible, established name many big banks have. It is important to understand starting a bank does not mean opening a personal "piggy bank" where your clients' funds can be yours for any investment. You will need a solid business plan with defined rewards for clients who choose to do business with you. Starting a bank does not promise a quick return.

Reward in Starting a Bank Today

If you are starting a bank today, you will have one important advantage over your established rivals: no crummy loans. A new banking institution offers a clean slate; your clients will not be wondering how your top executives made so much money last year when they lost all of theirs'. Starting a bank with a clean slate gives you the opportunity to institute your business plan from the ground up. If your plan is successful, you can easily have a healthy reserve in your first year. Since the barriers to entry are currently low, as the banking system recovers, you will be poised on even playing ground with a number of former giants.

Process of Starting a Bank in the United States

Starting a bank within the United States typically follows the De Novo Bank Application process. The process in its entirety can cost an average of USD $5 million and take up to 36 months to complete. The De Novo Bank Application process is supervised by the Federal Reserve and consists of a highly public process including answering key questions related to the purpose and services associated with the new charter.

A few important items to consider before applying include:

1) The type of charter desired (Federal or State)

2) Whether the charter will serve independently or if a bank holding company will have ownership.

3) Regulatory fees to charter, operate & maintain the entity.

Alternative Process to Start a Bank

If your business goals can be accomplished through an international structure, you can substantially reduce costs compared to a domestic acquisition. U.S. banks offer owners the opportunity to directly work with and market to United States citizens. While many international banks can accomplish this goal to a degree, they will meet restrictions in some cases. Offshore or international banks provide private services to a number of personal or business contacts and serve as a dedicated bank for your ongoing, private, business concerns.

Consider your options when starting a bank or your business or personal clients. If you are not seeking to take daily retail deposits, you may see greater return on investment through a captive, offshore bank structure.

Jeffrey H. Corbett is President of Worldwide Business Consultants, an International Mergers & Acquisitions firm headquartered in Manhattan Beach, CA.

Manhattan Beach Truck Accident Lawyer’s Top Ten Ways Nurses Fool With You After a Truck Accident

1. Asking if you would like seconds on the tofu at lunch.

2. Telling you that the hospital is going bankrupt.

3. Asking if you have any suggestions of a good doctor to do the surgery.

4. Telling you that the cable TV has stopped working because the hospital forgot to pay the bill.

5. Asking if you know how to fix the heart monitor in your room.

6. Asking if you mind sharing your room with six people.

7. Telling you that the nurses will be leaving for the weekend.

8. Telling you that due to cost cuts, there is a fee now for use of the pillows.

9. Asking if you have any pull with the Governor’s office to release some funds.

10. Telling you that they made a mistake and your stay at the hospital wasn’t necessary.

Here are ten useful tips of advice from a truck accident lawyer to follow if you have been in an accident. You can also learn more about how to handle a truck accident in Manhattan Beach, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good truck accident lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good truck accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good truck accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most truck accident attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a truck accident in Manhattan Beach, Hermosa Beach, Palos Verdes Estates, Rancho Palos Verdes, Torrance, Carson, Redondo Beach, El Segundo, Marina del Rey, Venice Beach, Santa Monica, Santa Barbara, Ventura, Oxnard, Cambria or San Luis Obispo, or anywhere in Southern California, we have the knowledge and resources to be your Manhattan Beach Truck Accident Lawyer and your Hermosa Beach Truck Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

About the Author

The Sebastian Gibson Law Firm serves auto, motorcycle and truck accident victims in Manhattan Beach, Hermosa Beach, Palos Verdes Estates, Rancho Palos Verdes, Torrance, Carson, Redondo Beach, El Segundo, Marina del Rey, Venice Beach, and Santa Monica. We also provide excellent representation to bicycle, pedestrian and car accident clients in Orange County, Newport Beach, Anaheim, Irvine, Huntington Beach, Corona del Mar, Laguna Beach, Santa Ana, Orange, Fullerton, Costa Mesa, Westminster, and Buena Park. We also have the knowledge and experience to represent clients from Palm Springs and Palm Desert to Indio, from San Diego to Carlsbad, from Newport Beach to Anaheim, Ontario and Rancho Cucamonga, from Palmdale to Victorville, and all of Southern California.

Visit our website at http://www.sebastiangibsonlaw.com if you have a personal injury legal matter of any kind. We have the knowledge and resources to represent you as your Manhattan Beach Truck Accident Lawyer and Hermosa Beach Truck Accident Attorney or your attorney in and around the cities of Oceanside, La Jolla, Del Mar, Chula Vista, El Cajon and Escondido. We also serve Corona, Temecula, Murrieta, Riverside, San Bernardino, Moreno Valley, Fontana, Vista, San Marcos, Solana Beach, Santa Barbara, Ventura, Oxnard, Cambria and San Luis Obispo.

How to I get from Santa Monica to Manhattan Beach using public transport?

I need to see someone I know who lives there next sunday, and she can't get over here. Is there a cheap method I can use to get there?

That's easy. Using each cities pier as the starting and ending point you would board Santa Monica Bus #3 and ride to the Aviation Blvd Metrorail Station. There board Beach Cities Bus #109 to Manhattan Beach. On the Sunday schedule it is an 1 1/4 hour trip and a $1.25 fare each way.

You can look up other boarding / destination locations at "www.socaltranspiort.org".

Downtown NYC Towers Empty as Best Market Falters (Update2)
Downtown Manhattan, where demand for office space began to surge three years after the 9/11 terrorist attacks, is about to lose its spot as the best- performing U.S. market.

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