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Seahawks and Saints among the NFL’s best at finding hidden gems

Pete Carroll and Sean Payton have built their teams similarly -- and atypically.
Pete Carroll and Sean Payton have built their teams similarly — and atypically. (Otto Greule Jr/Getty Images)
The Seattle Seahawks and New Orleans Saints enter Monday night’s game at Seattle’s CenturyLink Field as two of the league’s most successful teams. There’s a lot in common between these organizations looking to establish home-field advantage in the NFC playoffs. Both have overcome recent controversy (New Orleans with Bountygate, Seattle with multiple suspensions for violations of the league’s substance abuse policies), both have height-impaired quarterbacks who were overlooked coming out of college in Drew Brees and Russell Wilson, and both have a balanced attack on both sides of the ball. The 2013 Saints are more of a power-running, I-formation team than you might believe, while the Seahawks aren’t just ground-and-pound and a great defense. They actually lead the NFL in passing yards per attempt at 8.7, and they have 40 pass plays of 20 yards or more to New Orleans’ 45.
Perhaps the most intriguing similarity between the franchises is that they’re two of the best in the NFL when it comes to finding and cultivating players who are undrafted, unheralded and unwanted. Twenty-five of the players on New Orleans’ current roster were not drafted — 18 veterans and seven rookies. Receiver Lance Moore, safety Rafael Bush, fullback Jed Collins, offensive tackle Bryce Harris and center Brian de la Puente came from the team’s practice squad. Receiver Marques Colston was a seventh-round pick in 2006 — many teams pegged as a reserve tight end due to his lack of speed; he’s now one of the most prolific pass-catchers in team history. The Saints got the current starting right side of their offensive line in the later rounds of the 2006 draft from smaller schools — right tackle Zach Strief in the seventh round from Northwestern, and right guard Jahri Evans in the fourth round from Bloomsburg. Pierre Thomas, Kenny Stills, Akiem Hicks … the list of key role-players on this team’s roster that were taken and developed from the scrapheaps of other draft boards is a testament to the job that head coach Sean Payton and general manager Mickey Loomis have done since Payton was hired in 2006.
Similarly, the current Seahawks team under head coach Pete Carroll and general manager John Schneider, both hired in 2010, bears little resemblance to the team they inherited. Only defensive tackle Brandon Mebane and center Max Unger remain as starters from the previous administration run into the ground by GM Tim Ruskell, a man who was notoriously fearful of small-school players, prospects in need of further development and diamonds in the rough. Carroll and Schneider have no such issues — they’re ballsy enough to make crucial decisions against the grain, and in step with each other enough to avoid any miscommunications.
Carroll and Schneider turned a fifth-round pick in 2011 into possibly the NFL’s best cornerback in the person of Richard Sherman. Receiver Doug Baldwin, who came from Stanford as Sherman did, became the first undrafted rookie to lead his team in receptions and receiving yards since Bill Groman did it for the Houston Oilers of the American Football League in 1960. Brandon Browner, signed out of the CFL in 2011, made a Pro Bowl that first season and has started 36 games at cornerback for one of the league’s best defenses. Most notably, they took quarterback Russell Wilson with the 75th overall pick in 2012 and made him their opening day starter that season, despite having signed Matt Flynn to a lucrative free-agent contract.
Carroll and Schneider flipped defensive end Darryl Tapp for Chris Clemons, who has led the team in sacks every season from 2010 through ’12. And they gave the Buffalo Bills a couple of low picks in 2011 for running back Marshawn Lynch, who has defined the franchise on and off the field since. There have been a couple of high-round blunders (most notably offensive lineman James Carpenter), and the Percy Harvin trade from earlier this year looks like a loss in the short term, but there’s no doubt that the Seahawks have built as much of their recent dominance on surprise players as any team around — including the Saints. Their opponents have taken notice — 15 of the players Seattle released in final cutdowns in 2013 were signed  by other NFL teams, a league high. There’s perhaps no greater validation of the team’s personnel philosophy.
I’ve asked Carroll and Schneider about that philosophy several times over the last four seasons, and two main points keep coming up — be sure that you’re matching your roster to your overall schematic philosophy, and focus more on what your players can do than what they can’t. That second point is subtle and underrated, but the list of general managers and coaches throughout history who become risk-averse and profoundly negative about prospect talent as a result is long, sad and usually not long for the position. When I asked Payton about the Saints’ philosophy this week, the same things came out.
Sean Payton saw potential in Marques Colston when other teams passed him by.
Sean Payton saw potential in Marques Colston when other teams passed him by. (Wesley Hitt/Getty Images)
“Well, I think this,” he said, when some of those unheralded hauls were recalled. “No. 1, we’ve been fortunate, with regards to some of those picks — and you referenced initially the 2006 draft, our first draft here, and that class in its entirety was very important. You get past [first-round pick] Reggie Bush, who was very important for us in our Super Bowl run, you had Roman Harper and you had Jahri Evans and you had Colston in the seventh round. Zach Strief was in the seventh round. Rob Ninkovich, who was here, who is now with the Patriots, in the middle rounds.
“I think most important is understanding, or at least appreciating, what you’re looking for and is there a role for that player? The other thing we talk about all the time with our players is once they enter the building, how they got here is of no importance to us. I know that sounds a little bit cliché, but using draft selections to acquire talent, signing free agents after the draft. Even in that minicamp, we have a free-agent tryout where we’ve had players like Billy Miller make the roster and Khiry Robinson this year, who won’t even sign after the draft. It’s just paying attention to what you’re seeing. I think with hindsight now, we’re seven or eight years into it, when we’re on the phone with a free agent, there is a track record with their agents that we can point to that they have a chance at playing if they’re good enough and I think that’s kind of helped.”
The evaluation-to-decision process happens with the Saints very much like it happens with the Seahawks. You have to start with everybody in the room knowing what the franchise wants, and you have to establish a belief among everybody in the building that there really is a meritocracy.
“There’s a combination of a few things,” Payton concluded. “It’s typically a scout. It’s someone who’s got a strong conviction for a player. In Pierre Thomas’ case, Greg McMahon, our special teams coach, was at Illinois, and he had a strong conviction for Pierre. That same year, we had drafted a running back out of Ohio State [Antonio Pittman] in the fourth round and Pierre beat him out and made the team and we ended up releasing the fourth-round draft pick. So I think just understanding how much time we spend in the month leading up to the draft on the first round, 98 percent of the [media] discussion is regarding Round 1, and a real good draft is going to take place long past the first round. It’s going to take place in those middle rounds to later rounds. I think we got six college free agents that made this current roster, which is the highest for us we’ve ever had here.”
Red Bryant was a floundering defensive tackle until a new Seahawks regime re-defined his career.
Red Bryant was a floundering defensive tackle until a new Seahawks regime redefined his career. (Stephen Brashear/Getty Images)
The other key component Carroll looks for in Seattle is the physically unique player. The Seahawks want big and fast like everybody else, but they also love to take atypical bodies and point them in some unconventional directions. Red Bryant was drafted in the fourth round of the 2008 draft out of Texas A&M by the previous regime, and he was an unspectacular defensive tackle. Defensive coordinator Dan Quinn went to Carroll in 2010, back when he was Carroll’s defensive line coach, and hypothesized that Bryant could be one super-effective (and super-huge, at a conservatively listed 323 pounds) five-tech run stopping defensive end. Bryant has been exactly that, and he wouldn’t have been for so many teams eager to stay inside the proverbial box.
“There is a philosophical approach here in that we’re looking for the unique qualities, as you heard me say before, in a player, and then we try to amplify those unique qualities where if you try to fit that guy into a role that maybe doesn’t do that, he might not look as good,” Carroll said this week. “The classic example is Red Bryant. Red Bryant was playing tackle and nose tackle, and he was so long, that it was hard for him to stay low and have good leverage all of the time. He wasn’t as effective as he is when we moved him outside. Now his length became an asset, and his 340 pounds is an asset. He can really stop anybody at the line of scrimmage. That’s an illustration of it.”
Most importantly, Bryant is not an isolated case — Carroll believes in the unusual player as a philosophical staple as opposed to a rare gambit. It’s how this team has been constructed from the start.
“I would like to think I could go through almost every guy and talk like that, because that’s how we’ve looked at our players. Whether you look at Russell [Wilson], whether you look at Marshawn, or [outside linebacker] Bruce Irvin, which was a pick that people challenged. Asking ‘Why would you take that guy? Why would you take Earl Thomas, who is a smaller safety, when you love to have big guys?’ Because he is such a freakish competitor. We saw that in him and we wanted to get him on our team and make him an essential part of it. That’s a mindset that we utilize throughout.
“I don’t think you see us trying to stuff any square pegs in a round hole. We’re not doing that, and if we’re doing it we’re making a mistake. I think the reason that we do that is because we like to champion the guy’s special qualities, but also we’re trying to make really good decisions on what a guy is capable of doing, and what he brings, and not trying to make him something that he isn’t.”
NFL teams are built in many different ways. But when you’re watching the Seahawks and Saints tonight, it’s important to note that the road less traveled can still take you to the top of the league.

Seattle Seahawks control NFC with win over Saints

We already knew the Seattle Seahawks would be a tough beat at home this season. Right about now it feels like a near impossibility.
The New Orleans Saints never had a chance Monday night. Feeding off the energy of a legit advantageous home crowd, the Seahawks scored 17 points faster than Drew Brees can open a cough medicine royalty check.
When it was mercifully over, the Seahawks were 34-7 winners in a supposed showdown that was anything but. Seattle moves to 11-1 and finds itself in great position to clinch home-field advantage throughout the NFC playoffs.
Seattle's defense made Brees look like Kellen Clemens. That's actually unfair to Clemens. Brees was a non-factor, held to his lowest yards-per-attempt average in 10 years. The Saints finished with 188 total yards and didn't crack double digits in scoring -- "Twilight Zone" stuff in the Sean Payton era.
So much for the theory the Seahawks were vulnerable following the suspensions of defensive backs Brandon Browner and Walter Thurmond.
Russell Wilson, meanwhile, is playing the best football of his career. The quarterback was in complete control, throwing for 310 yards and three touchdowns while posting his third consecutive game with a passer rating north of 130. He might not have Percy Harvin this season, but Wilson continues to prove he can make do with what's already in place.
Consider it a huge upset if the road to the Super Bowl doesn't go through CenturyLink Field. Seattle finishes at San Francisco, at the New York Giants, then home to Arizona and St. Louis. A split in those games will be enough to clinch the No. 1 seed by virtue of prior wins over the Panthers and Saints.
No wonder Pete Carroll is strutting like Ric Flair. How could you not be confident coaching a team like this?
The latest "Around the League Podcast" recapped every Week 13 game.

Tom Daley announces he's dating man

  1. British diver and Olympic medallist Tom Daley revealed in a YouTube video posted Monday that he is dating a man and "couldn't be happier."
  2. Tom Daley: Something I want to say...
  3. "I met someone," said the 19-year-old diver, "And that someone is a guy."

    That simple revelation was enough to make news across the U.K. and for Daley's name to trend worldwide on Twitter.

  4. Stonewall U.K. called Daley's message a "moving and inspiring video from @TomDaley1994. A role model for thousands of other young people."

    Edward Lord, the chair of the Amateur Swimming Association, also responded to the video on Twitter. "We must support @TomDaley1994 in his decision to come out. He is very brave and as ASA Chairman I am proud of him," he wrote.

  5. Broadcaster Gary Lineker is a former soccer player who was the top scorer in the 1986 World Cup when he played for England.

  6. American actor Neil Patrick Harris felt some vindication in Daley's announcement.

  7. Comedian Marcus Brigstocke thought some bad puns were due.


  8. Indeed, Daley's Instagram account does have its share of beefcake poses like these that have made him an Olympic heartthrob.
  9. BCN2013 :)
  10. My calendar's also out on Calendar Club tinyurl.com/mdmf49j #December ;-) ©Ian Derry/Chilli Media/Rip Ten Ltd
  11. But most of Daley's photos there are Instagram-typical shots of food, sunsets and cats, as well as selfies with friends and family.
  12. So lucky to have such a supportive mum! I love you!
  13. Daley has described fellow Great Britain diver (and co-star of his U.K. reality show) Sophie Lee as his best friend.
  14. Happy 20th Birthday to my favourite person! @xsophielee love you...wish @samueldaley93 and I were there xx
  15. Some folks on Twitter, including Independent columnist Owen Jones, thought that the "breaking news" treatment of Daley's relationship status was a bit much.


  16. And others pointed out that headlines declaring that Daley had come out as gay were technically incorrect.
  17. In the YouTube video, Daley said he has dated girls in the past and, "Of course, I still fancy girls, but right now I'm dating a guy and I couldn't be happier."

    Not all the tweets were supportive, of course. There were messages along these lines, declaring that Daley's sexuality is ultimately irrelevant.
  18. And there was a lot of homophobic abuse hurled Daley's way, too.

    He's no stranger to detractors on Twitter, though. A British teen was arrested in 2012 for his "malicious" tweets to Daley after the diver finished off the podium in one event at the London Olympics.

'We're a little confused as he's always had girlfriends': Grandparents of Olympic diver Tom Daley admit surprise at his relationship with a man but vow to support him

The grandparents of Olympic diver Tom Daley have expressed their surprise at their grandson's revelation he is in a relationship with a man - but have vowed to support him.
The 19-year-old announced the news that he is in a ‘serious’ relationship with a man and ‘couldn’t be happier' in a five-minute message on YouTube yesterday.
His grandparents, whom he told 24 hours before he went public, said the news came ‘out of the blue’ and they feared he was ‘too young to be making this sort of decision’ but vowed to support him.

Scroll down for video

Revelations: Tom Daley has revealed he is dating a man in a heartfelt video message on his YouTube page
Revelations: Tom Daley has revealed he is dating a man in a heartfelt video message on his YouTube page

David and Rosemary Daley – whose son Robert, Daley’s father, died in 2011 from brain cancer at the age of 40 – also admitted they were a little ‘confused’ by the news.
Mrs Daley, 65, of Plymstock, Devon, said: ‘We only found out at 5pm on Sunday when he came to see us. We are confused because he’s always had girlfriends.
'We asked him if he was absolutely sure. He’s our first grandson from our son who died.
'Not been an easy decision': Tom tweeted a link to the video on Monday morning
'Not been an easy decision': Tom tweeted a link to the video on Monday morning

Setting the record straight: Tom insisted he wanted to break the news in a video so his words could not be twisted and his fans would know the truth
Setting the record straight: Tom insisted he wanted to break the news in a video so his words could not be twisted and his fans would know the truth
'We have always been supportive of him and we always will. We’re not old-fashioned, in fact we’re quite liberal. But I do think he’s too young to be making this sort of decision.
‘But we hugged him, we thanked him for coming to see us, and we’ll be seeing him over Christmas. We’ll always be here for Tom.’
Mr Daley, 66, a former company director, added: ‘We’ve always been loyal supporters of Tom and there’s no reason that that will change.’
Sporting hero: Olympic athlete Tom put an end to years of speculation by admitting that he is bisexual
Sporting hero: Olympic athlete Tom put an end to years of speculation by admitting that he is bisexual
Still as motivated as ever: Tom insisted that the new relationship has done nothing to stop his motivation ahead of the Rio Olympic games in 2016
Still as motivated as ever: Tom insisted that the new relationship has done nothing to stop his motivation ahead of the Rio Olympic games in 2016


In his YouTube video, Daley said his mother Debbie already knew and had been very supportive, but added: ‘I told the rest of my family today and, well, let’s just say they had mixed opinions. Lots of them wanted me to keep it quiet.’
'He would be happy for me': Tom insisted his late father Rob would be proud of him no matter what
'He would be happy for me': Tom insisted his late father Rob would be proud of him no matter what
Speaking in the clip, the London 2012 Olympic bronze medallist said he ‘still fancies girls’ but had been dating an unnamed man since spring.
In his video message, Daley said: ‘I’ve been dating girls and I’ve never really had a serious relationship to talk about and now I feel ready to talk about my relationships.
'Come spring this year my life changed massively when I met someone and it made me feel so happy, so safe, and everything just feels great. And, well, that someone – is a guy.’
He admitted that ‘it did take me by surprise a little bit’ but ‘something just clicked’ and ‘it felt right’, adding: ‘My whole world just changed there and then.
'Of course I still fancy girls but, I mean, right now I’m dating a guy and I couldn’t be happier. It feels safe and it really does feel right.’
Ending months of speculation about his sexuality, he said he realised his admission was ‘going to be big’ news, but told his fans: ‘I’m still Tom.’
Stars were quick to congratulate him, with Kylie Minogue tweeting: ‘Inspiring and brave...as always!!!’ while Little Britain comedian Matt Lucas wrote: ‘Well done Tom Daley.’
Supportive: Tom posted this image with his mother Debbie on Sunday night with the caption 'So lucky to have such a supportive mum! I love you!'
Supportive: Tom posted this image with his mother Debbie on Sunday night with the caption 'So lucky to have such a supportive mum! I love you!'
Screen star: Tom is also preparing for the second season of Splash!, and is seen here watching Gemma Merna prepare for a dive
Screen star: Tom is also preparing for the second season of Splash!, and is seen here watching Gemma Merna prepare for a dive

CELEBRITIES TWEET THEIR SUPPORT

'@TomDaley1994 Well done sunshine, dive into love' - RUSSELL BRAND


'Inspiring and brave…..as always!!! #RespectTom' - KYLIE MINOGUE

'Huge respect for @tomdaley1994 for coming out in such a brave manner. Lovely guy too X' - UNA HEALY

'Delighted that @TomDaley1994 is happy in his new relationship. Well done for sharing it. Good luck to them both' - GARY LINEKER

'Well done @TomDaley1994 brave decision to be honest about current relationship with man." Is it a big deal I don't think so" '- MATTHEW PINSENT

'Of course we support you @TomDaley1994 and we all love you even more for your bravery and honesty. X' - DAVID WALLIAMS

'Well done Tom Daley' - MATT LUCAS

'Very pleased for @TomDaley1994 that he has found happiness, lovely story :)' - KATIE PIPER

'So happy for you @TomDaley1994' - TOWIE'S LAUREN POPE

'Well done @TomDaley1994 really brave thing todo! #proud' - UNION J'S JAYMI HENSLEY

'What a brilliant chap that @TomDaley1994 is eh?' - RADIO 1 DJ GREG JAMES

'Insane amount of love for @TomDaley1994 today, the only man I've ever googled imaged to admire the beauty of!' - SINGER LUCY SPRAGGAN

Former loves: Tom previously dated US diver Kassidy Cook
Former loves: Tom previously dated US diver Kassidy Cook
Romance rumours: He was also romantically linked to teammate Tonia Couch, but she later denied the claims
Romance rumours: He was also romantically linked to teammate Tonia Couch, but she later denied the claims



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  • Payoneer এর Virtual US Bank Account দিয়ে Paypal Account Verify করতে পারবেন।
  • Payoneer এর Master Card দিয়ে পৃথিবীর যেকোনো দেশের MASTERCARD Supported ATM Booth থেকে Dollar উত্তোলন করতে পারবেন।
আপনার যদি আগেই Payoneer এর MASTERCARD থাকে তাহলে নতুন করে আবেদন করার দরকার নাই। সাধারনত বিভিন্ন Company  এবং Payoneer এর Affliate Referal লিঙ্ক থেকে Payoneer এর কার্ড এর জন্য আবেদন করা যায়। যেমনঃ Infolinks, Odesk, Freelancer, ইত্যাদি। যাদের অইসব কোম্পানি তে Account নাই তাদেরকে আমার Affiliate Link দিচ্ছিঃ
১। প্রথমেই নিচের লিঙ্কে প্রবেশ করে Signup করে নিনঃ
PAYONEER SIGNUP LINK
(এইখান থেকে Signup করলে আপনি পাবেন ২৫ ডলার ফ্রী সাথে আমি নিজেও পাব ২৫ ডলার)
NB: আপনি প্রথম ১০০ ডলার লোড করার পরে ২৫ ডলার ফ্রী পাবেন। তাই কেউ শুধু ২৫  ডলার বোনাস এর আশায় হুদাই Payoneer Account খুলবেন না। আমি রেফারেল লিঙ্ক দেওার কারন হল । Payoneer এর Activation চার্জ হল ৩০ ডলার এর মত। তাই আপনি যদি Payoneer এর কার্ড ব্যাবহার করেন তাহলে এই ২৫ ডলার দিয়ে অন্তত Payoneer এর Activation চার্জ টা দিতে পারবেন। )
২। উপরের লিঙ্কে ক্লিক করার পরে SIGN UP এ ক্লিক করুন।  তখন  নিচের মত একটি পেজ পাবেন-

৩। এখন এইখানে ৩ টি ধাপ আপনাকে পুরুন করতে হবে।
  • Cardholder details
  • Card Account Information
  • Registration Verification
৪। এখন Cardholder Details এর বাম পাশে ক্লিক করে সঠিক ভাবে আপনার National ID Card/ Passport অনুযায়ী পূরণ করুন। নিচে একটি Sample দেওয়া হলঃ
First Name On Your ID:   MD MONZORUL
Last Name on Your ID:     HAQUE
Date of Birth:                      January/20/1964
Email Address:                   example@gmail.com (আপনার Email Address)
Retype Email Address:     example@gmail.com (পুনরায় আপনার Email Address)
Country:                              Bangladesh
Home Address:                  Vill-Sonarua, Word-3, Torgaon (আপনার বাসার ঠিকানা) -১ম লাইন
Kapasia, Gazipur-1730 (আপনার বাসার  ঠিকানা) -২য় লাইন
City:                                       Gazipur
Zip/Postal Code:                 1730 (পোস্টাল  কোড)
Phone Number:                 +8801700000000 ( আপনার ফোন নাম্বার) – এইখানে আপনার মোবাইল নাম্বার ও দিতে পারেন ।
Mobile Number:                +8801900000000 ( আপনার মোবাইল  নাম্বার)

৫। আপনার কার্ড যদি অন্য কোন ঠিকানায় আনতে চান তাহলে উপরের চিত্রের নিচের দিকে  দেওয়া Check Box এ টিক দিয়ে নতুন ঠিকানা দিনঃ

৬। এখন Card Account Information এর বাম পাশে  ক্লিক করুন এবং নিচের চিত্র অনুযায়ী তথ্য দিনঃ

৭। এখন Registration Verification এর বাম পাশে  ক্লিক করুন এবং নিচের চিত্র অনুযায়ী তথ্য দিনঃ
  • National ID Card
  • Passport
  • Driver Lisence
উপরের ৩ টির মদ্ধে যেকোনো  একটি সিলেক্ট করে ID Number দিনঃ

৮। এখন সব ঠিক ভাবে পূরণ করে Finish এ ক্লিক করুন । আপনার Payoneer এর Registration সম্পন্ন হল। এখন ২-৩ দিন সময় নিবে কার্ড Approve হওয়ার জন্য। কার্ড Approve হলে আপনাকে Shipping Date মেইল এর মাধ্যমে জানিয়ে দেওয়া হবে। সাধারনত কার্ড আসতে ২০ থেকে ৩০ দিন লাগে। DHL এর মাধ্যমে ৬০ ডলার খরচ করে ৩ দিনে আপনার কার্ড পেতে পারেন।
Note: Registration এর ২-১ দিন মদ্ধে Payoneer আপনাকে Mail করে National ID/ Passport or Driving Lisence এর Scan কপি আপলোড করতে বলবে ।
স্ক্যান করে পাঠিয়ে দিবেন ।
Thank you for applying for a Payoneer account!
We have received your application. Just one more step before we can approve it and send out your card.
Please provide us with a copy of a valid government-issued photo ID document in order for us to complete processing your application.
Acceptable forms of ID include driver’s license, passport and national ID. Please make sure the ID matches the details provided on your Payoneer card application and that the document is clear and has your name and your date of birth displayed clearly. Documents that are difficult to read can cause further delays, so please enlarge and lighten copies when you scan, for clear viewing.
You can scan your ID (we prefer a jpeg file, under 1MB) and upload it automatically to your account for us to review by using the link below:
Upload link
Or if you prefer, you can attach the file in reply to this e-mail. Please note that documents uploaded using the upload link above are reviewed more quickly than replies by e-mail.
Apni যেইটা দিয়া অ্যাকাউন্ট খুলসেন অই Document Scan করে আপলোড করলে ১ দিন এর মদ্ধে ই আপনার Payoneer এর Account Approve হয়ে যাবে ইনশাল্লাহ। Approve হলে নিচের মত একটা মেইল পাবেনঃ
Dear Md Monzorul,
Congratulations!
Your Payoneer Prepaid Debit MasterCard® card order has been approved!
Your card will be shipped by Regular mail.
Your card is estimated to arrive between 17 Apr 2013 and 24 Apr 2013
আপনি আরো যে যে কাজে কার্ডটি ব্যবহার করতে পারবেন???
  • অনলাইন শপিং।
  • অনলাইন বিল উত্তোলন ও প্রদান।
  • ওডেক্স, ফ্রিল্যান্সার সহ অন্যান্য জনপ্রিয় ফ্রিল্যান্সিং সাইটে টাকা উত্তোলন ও বিল প্রদানের জন্য ব্যবহার করতে পারবেন।
  • ফেসবুক, টুইটার, গুগুল প্লাস, গুগুল, ইয়াহু সহ অন্যন্য সকল সামাজিক যোগাযোগ সাইটে আপনার প্রতিষ্ঠানের বিজ্ঞাপন প্রচারের কাজে ব্যবহার করতে পারবেন।

Payoneer  এর  Virtual US Bank Account 

চিন্তা করছেন কার্ড এর জন্য আতদিন  অপেক্ষা করবেন । কার্ড Approve হওয়ার সাথে সাথে আপনি পাবেন Payoneer এর US Virtual Bank Account এর ( Routing Number এবং Account Number) . কার্ড আসার আগেই আপনি এই Virtual Bank Account ব্যাবহার করে আপনার Paypal Verify করতে পারবেন। এই USA এর Virtual Bank Account কে Payoneer এর US Payment Service বলা হয়। আপনার Payoneer এর কার্ড Approve হলে আপনার Payoneer অ্যাকাউন্ট এ Login করুন তাহলেই US Payment Service নামে একটা option দেখতে পাবেন ।
NOTE: US Payment Service Option টা আপনার Payoneer এর অ্যাকাউন্ট  Approve হওয়ার পরে দেখতে পারবেন।

এখন US Payment Service এ ক্লিক করার পর আপনার US Virtual Bank Account এর তথ্য পাবেনঃ

পেয়ে তো গেলেন আপনার USA এর Virtual Bank এর Routing and Account Number. এইটা  হল Checking Account. এই ব্যাংক  দিয়ে এখন আপনি অনায়াশেই আপনার  USA এর ঠিকানা দিয়ে করা Paypal Account টি Verify করে নিতে পারবেন।

Paypal Account ব্যাংক Verify করা

প্রথমেই আপনার Paypal Account এ MINIMUM 1-2 $ Load করে নেন । ( তবে পেপাল এ  ডলার Load না করলেও মনে হয় সমস্যা নাই )।  আপনার Paypal Account এ লগিন করুন । এবং Get Verifyed এ ক্লিক করে Link A Bank Account এ ক্লিক করুন । এবং নিচের চিত্রের মত Payoneer US Payment Service এ Virtual Bank Acocunt এর Routing and Account Number দিয়ে Submit করুন ।

এখন পেপাল আপনার Account থেকে ২ টা Small Amount আপনার Bank এ Diposit করবে। অই ২ টা Amount আপনি আপনার Payoneer এর Account এ লগিন করে দেখতে পারবেন। সাধারনত ২ দিন সময় নিতে পারে। 

এখন Diposit হওয়া ২ টা amount আপনি আপনার Paypal এ লগিন করে Confirm Bank Account এ ক্লিক করে Submit করেন। তাহলেই আপনার Paypal Account টি verifyed হয়ে যাবে।


***Paypal এর মাধ্যমে বড় Amount লেনদেন এর ক্ষেত্রে অবশ্য করনীয়***

অনেকে অভিযোগ করেন যে বড় Amount এর Transaction করলে পেপাল অ্যাকাউন্ট লিমিট করে দেয়। আমরা যখন পেপাল অ্যাকাউন্ট খুলি, তা থাকে Personal Account. পেপাল এ পার্সোনাল অ্যাকাউন্ট এর কিছু Limitation থাকে। Personal Account সাধারনত ছোট Amount লেনদেন এর জন্য ব্যাবহার হয়ে থাকে। যেমনঃ পরিবার এর কাউকে কিছু টাকা দেওয়া, ছোট খাট বিল প্রদান ইত্যাদি। তাই Personal Account থেকে বড় Amount লেনদেন করলে পেপাল Account লিমট করে দিতে পারে। আসুন জেনে নেই এর সমাধান।
পেপাল এর অ্যাকাউন্ট ৩ প্রকারঃ
  • Personal
  • Premiere
  • Buisness
তাই আপনি যদি বড় Amount এর ডলার আদান প্রদান এর প্রয়োজন হয় তাহলে আপনার পেপাল অ্যাকাউন্ট টি ফ্রীতে Premiere Account এ Upgrade করে নিবেন।
Paypal Premiere Account এর সুবিধাঃ
Premier accounts are for members who will have a high transaction volume, need to accept credit card payments, or would like access to our special features not offered with Personal accounts. Premier accounts include all the benefits of Personal accounts, as well as our special features
পেপাল Premiere Account এর Special Features:
Send Money
Send payments to anyone with an email address.
Request Money
Request payments from anyone with an email address.
Auction Tools
Accept PayPal directly from your auction listings.
Automatically invoice your buyers.
Automatically remind bidders about your auctions.
Accept payments on your website.
Create PayPal buttons and accept instant payments from your website.
International Payments
Send and receive payments with members in 190 countries and regions.
PayPal Debit MasterCard BusinessCard®
Get instant access to the money in your PayPal account.
Account Insurance
Your PayPal balance is FDIC insured up to $100,000.00 USD
Downloadable Log
Download your account history into a spreadsheet or Quicken.
Email-based customer service

আসুন দেখে নেই পেপাল এর Upgrade প্রক্রিয়াটিঃ

**প্রথমে পেপাল এ লগিন করে Upgrade এ ক্লিক করুন

**এখন নিচের চিত্রের মত Upgrade Now এ ক্লিক করু
**এখন নিচের চিত্রের মত Premiere Accouunt সিলেক্ট করে Continue এ ক্লিক করুন

* এখন একটি Confirmation বার্তা পাবেন।
****Premiere অ্যাকাউন্ট এর Special Features গুলা হলঃ

এভাবে Premiere Account এ Upgrade করার মাধ্যমে আপনি বড় Amount লেন দেন সহ অতিরিক্ত কিছু সুবিধা পাবেন ।

Paypal পরিপূর্ণ ভাবে Verify করা নিয়ে কিছু গুরুত্বপূর্ণ কথা

আপনারা অনেকেই হয়ত জানেন পরিপূর্ণ ভাবে Paypal Verify করা এবং সকল Limit Remove করার জন্য পেপাল এ ৩ টা Option আছে।
  • Link a Bank Account
  • Confirm your Social Security Number
  • Link and confirm your debit or credit card

উপরে আমরা ৩ টা Option দেখতে পাচ্ছি। যার মদ্ধে আমাদেরকে যেকোনো ২ টা Option Confirmed করতে হবে।
যেহেতু আমাদের ২ নাম্বার অপশন টা Verify করার সুযোগ নাই । তাই আমরা ১ এবং ৩ নাম্বার টা Confirm করব। ইতিমধ্যে আমি ১ নাম্বার টা Details বর্ণনা করেছি। এখন দেখাব কিভাবে ৩ নাম্বার অপশন টা Confirm করতে হয়। মনে রাখবেন সুধু Bank Account দিয়ে Verify করলে বড় Amount এর ডলার Transaction করলে সমস্যা হতে পারে। তাই ৩ নাম্বার অপশন যদি Confirm করতে পারেন তাহলে আর সমস্যা হবে না। ৩ নাম্বার অপশন টা Confirm করার জন্য আপনার Payoneer এর Mastercard টা হাতে পেতে হবে। এবং আপনার Payoneer Card এ ৩ ডলার থাকতে হবে। যা Verification এর জন্য Paypal কেটে নিবে যা ফেরত যোগ্য।
Payoneeer এর কার্ড হাতে পাওয়ার পরে আপনার Payoneer কার্ড Active করে নিন। এখন Paypal Account এ প্রবেশ করে View Limit এ ক্লিক করেন । তারপর Remove Limit এ ক্লিক করেন । এখন ৩ টা অপশন পাবেন। ৩ নাম্বার এ দেওয়া Link and confirm your debit or credit card এ ক্লিক করুন। এবং নিচের চিত্রের মত পূরণ করেন

এখন Continue এ ক্লিক করুন ।

বিশেষ দ্রষ্টব্যঃ

এই কাজটি করার আগে আপনাকে অবশ্যই Payoneer Account এর ঠিকানা সাময়িক পরিবর্তন করতে হবে এবং পেপাল এ যেই ঠিকানা ব্যাবহার করসেন তা দিতে হবে। Paypal — Payoneer এর Country চেক করে না। আমরা এই সুযোগ টি ই কাজে লাগাব। কার্ড Confirm হলে আপনার Payoneer এর Account থেকে পেপাল ২ ডলার এর মত কেটে নিবে। যা পরে ফেরত দিয়ে দিবে।  এই কাজটি যদি করতে পারেন তাহলে আপনার Paypal Account পরিপূর্ণ ভাবে Verifyed হয়ে যাবে। তাই বড় Amount লেন দেন করলে আইভাবে ব্যাংক এবং কার্ড Verify করে নিবেন।

Paypal এর ডলার MasterCard এর মাধ্যমে  উত্তোলন করা

এখন আপনি যদি আপনার পেপাল এর ডলার মাস্টার কার্ড এ পাঠাতে চান । তাহলে আপনার পেপাল এর ডলার সুধু মাত্র আপনার যোগ কৃত ব্যাংক এ Withdraw দেন। তাহলেই আপনার ডলার আপনার Payoneer এর মাস্টার কার্ডে যোগ হবে। আমি নিজে এই পর্যন্ত ১০০০ + paypal ডলার এই উপায়ে আমার Payoneer এর কার্ডে এনেছি। Payoneer এর Virtual Bank Account মূলত আপনার Payoneer Mastarcard এর Account ই। Payoneer এর এই US Payment Service এর মাধ্যমে আপনি Paypal ছারাও যেসব কোম্পানি থেকে পেমেন্ট গ্রহন করতে পারবেন তা জানার জন্য নিচের লিঙ্কে দেখুন।

Payoneer US Payment Service

Payoneer এর US Payment Service এর মাধ্যমে Payment গ্রহন করলে Payoneer কে ১% চার্জ দিতে হবে। Paypal থেকে ১০০ ডলার পাঠালে আপনার আপনার Payoneer এর অ্যাকাউন্ট এ আসবে ৯৯ ডলার।

বিশেষ দ্রষ্টব্যঃ

  • সকল তথ্য আপনার National ID Card অনুযায়ী পূরণ করবেন।
  • প্রথম দিকে বড় Amount লেনদেন করবেন না। পরিমান আস্তে আস্তে বাড়ান।
  • আপনার Verifyed হওয়া পেপাল Account চেষ্টা করবেন একটি পিসি থেকে LOGIN করার।
  • সব সময় এক ISP ব্যাবহার করা ভাল। ( যেমনঃ রবি দিয়ে লগিন করলে সবসময় রবি ই ব্যাবহার করা ভাল)
  • বিনা প্রয়োজনে আপনার পেপাল অ্যাকাউন্ট এ লগিন করবেন না।
  • আপনার Mastercard হাতে পাওয়ার পরে কার্ডটি Paypal এর সাথে যোগ করে নিন।
  • পেপাল এবং Payoneer এ একই নাম ব্যাবহার করবেন। কারন Mastercard পেপাল এ যোগ করার সময় কাজে লাগবে।
  • বড় Amount লেনদেন এর জন্য অবশ্যই আপনার পেপাল Account টি ফ্রী তে Personal থেকে Premiere এ Upgrade করে নিবেন। ( তাহলে Account Limit হওয়ার সম্ভাবনা কমে যাবে)।

Your Guide to Cyber Monday’s Best Deals

cyber-monday-new-egg

Cyber Monday kicked off early Sunday, giving consumers a chance to shop from the comforts of their couches. More consumers than ever before are set to take part in the digital bonanza — in fact, this year’s Cyber Monday could turn out to be the heaviest online spending day in history. According to business analytics firm comScore, shoppers could spend almost $2 billion this Cyber Monday, a growth rate of approximately 20% year-over-year.
With every company getting in on the virtual mall madness, we’ve selected some of the best doorbuster deals to check out as you polish off that leftover stuffing.
Walmart
The superstore is kicking off a weeklong promotion with new deals every day through Friday Dec. 6. Shoppers can get an early peak Sunday by downloading the mobile app, liking the company’s Facebook page or signing up for email. Free shipping on most items over $35.
  • LG 55-inch 3D LED with Soundbar bundle for $799 (reg. $1299)
  • Samsung 550 series 46″ LED television for $578 (reg. $999)
Amazon:
Amazon is ramping up its cyber campaign by releasing new deals as often as every 10 minutes. Shoppers can take advantage of half off selected toys, electronics and clothes.
  • Nikon D3200 Digital SLR Camera and 2 lens kit under $500
  • Roku HD streaming media player for $39.99
Target:
The weeklong specials include a “Buy one, get one 60 percent off” deal with free shipping for men’s, women’s and children’s apparel, accessories, jewelry and shoes. Some toys qualify for a “buy one, get one 30 percent off” deal with free shipping on Tuesday.
  • Dyson DC-41 Animal Vaccum, for $399.99 (reg. $599.99)
  • Pentax Q10 12.4mp compact system camera for $299.99 (reg. $399.99)
Macy’s:
Shoppers can preview Macy’s doorbuster deals on Sunday and use the code “CYBER” to score free shipping on Sunday and Monday for orders over $75. The retailer will slash prices in half on selected brands like Kenneth Cole, DKNY and Calvin Klein.
  • J.A. Henckels International Fine Edge Pro 15 Piece Block Set for $99.99 (reg. $292)
  • Dyson DC40 Vacuum, Origin Upright for $299.99 (reg. $499.99)
Best Buy:
Sign up for Best Buy’s Deal of the Day email alerts and get early access to Monday’s deals. For every $100 you spend and choose in-store pickup, you earn a free $10 savings code to use on a future order in December.
  • Insignia 50″ LED 1080p 60Hz television for $399 (reg. $549)
  • HTC One 32gb with Android 4.2 Jelly Bean for $29.99 with a contract (reg. $199)

Read more: Cyber Monday's Best Deals | TIME.com http://techland.time.com/2013/12/01/your-guide-to-cyber-mondays-best-deals/#ixzz2mM47TYBG

Analyst downgrades Urban Outfitters, citing 'merchandising miscues'

Urban Outfitters’ brand is coming under scrutiny from an analyst that follows the retailer.
In a report released Monday, Ike Boruchow of Sterne Agee said Urban Outfitters is having “brand problems,” illustrated in part by its aggressive discounting in advance of Black Friday, even extending promotional periods.
Urban Outfitters Inc. (NASDAQ: URBN), which is based in the Philadelphia Navy Yard, owns 225 Urban Outfitters stores, 185 Anthropologie locations and 86 Free People sites.
“While the Anthropologie and Free People concepts continue to outperform, we are losing confidence in the Urban brand’s ability to quickly adjust its merchandising miscues, which creates potential risk to 2014 numbers,” Boruchow said in his report.
On Monday, Boruchow downgraded Urban to a “neutral” rating (from “buy”), saying shares could top out at $42.
In mid-day trading, shares were down 3 percent, to $37.85.

Janney Upgrades American Eagle Prior to Earnings

On Monday, Janney Capital Markets analyst Adrienne Tennant upgraded shares of American Eagle Outfitter, Inc. (NYSE: AEO [FREE Stock Trend Analysis]) from Neutral to Buy and raised the price target from $17 to $20 due to plausible 2014 recovery.
Tennant noted American Eagle's strong brand equity and limited downside from valuation support. The analyst commented on the company's "1) potential for positive inventory and Gross Margin Return on Inventory Investment (“GMROI”) inflections in early 2014, 2) stabilizing promotional environment as the sector gets inventory under control for 2H14, and 3) our belief they are best-positioned in fashion and value among the “three As.”"
Janney Capital added that 4Q13 consensus estimates already reflect gross margin pressure. The analyst looks for improvement in comp and margin pressure performance. Tennant maintained EPS estimates and remain conservative on the environment. FY13 EPS estimate was reported at $0.86 versus consensus of $0.85 and FY14 estimates of $1.01 versus consensus of $1.09.
American Eagle will report earnings before the market opens on Friday, December 6, 2013. The company will hold a conference call for investors and the general public at 9:00 am ET on Friday.
American Eagle Outfitters closed at $16.27 on Friday.

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