• The Three Stages Of Money Laundering

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    September 25, 2020 /  Money and Bank

    OK, many of us have seen movies or TV shows where counterfeiters throw money into large dryers with poker chips or dice or some other items to make the bills appear to have been out in circulation when in fact theyve just been printed. Well, this has nothing to do with money laundering so the three stages of money laundering are NOT:

    1) Gentle cycle No bleach

    2) Tumble Dry on Low Heat

    3) No Starch

    And do not confuse stages with steps or transactions. Successful laundering, especially in large dollar amounts, is much more than 1-2-3 done. While some transactions can be very simple, others are complex and take much time and effort in order to avoid detection and that is the ultimate goal to avoid detection. It doesnt do the criminal any good to move and change money if it can be easily traced (and then seized). And it is a game in which the tools and tactics are constantly changing and evolving.

    The Financial Action Task Force, FATF for short, is the multinational body that sets the global tone for AML efforts. Formed in 1989, it is based in Paris.The Financial Action Task Force (FATF) has a three-part working definition. Each part basically defined one of the stages:

    PLACEMENT introducing the illicit funds into the financial cycle. Even if the funds already were in a bank or brokerage account (as in cases of embezzlement or frauds), it is that first step as illicit funds that we will view as placement. However, the most common example of placement is the drug dealer who needs to get large quantities of smaller currency bills into the banking system.

    LAYERING the moving and transferring of the funds in order to disguise the origins and true ownership of the money. This phase can be the most important and the most difficult it truly separates the pros from the amateurs. Here the money can change accounts, form, ownership, country, etc. It can go into and out of trusts and shell companies, it can buy or sell real estate or hard goods, it can move through different jurisdictions anything to confuse or eliminate a paper trail. And finally, there is

    INTEGRATION this is when the criminal takes economic advantage of the illicit funds and they appear to have come from legitimate sources. Maybe the drug dealer buys a mansion, or a high end car, or a yacht, or even planes to move drugs and other money (in the case of the planes, they will likely be bought through a front or shell leasing company, who will rent it to a front or shell freight company, so that when a plane is ultimately impounded by law enforcement somewhere, it cannot be traced back to the dealer).

    So there they are, the three stages of money laundering: Placement, Layering, Integration.

  • A debt relief attorney Memphis will help their clients with ways to come out of debts

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    September 25, 2020 /  Loans and Debt

    A debt relief attorney Memphis will help people by the harassment which they face from the creditors. Creditors when they don’t get their payment on time then they will harass the people by calling them so many times or by visiting them and troubling them with different ways. This situation becomes impossible to handle and the harassment becomes unbearable. For those who are facing such problems can get relief by filing for bankruptcy by which a person can get back their finance sanity. Before filing for bankruptcy the debtors will ask the creditors some time and explain their problem and when the debtors do not understand the debtor’s situation and the matter goes out of control then the bankruptcy is filed.

    Situation when the bankruptcy is filed

    When everything is not going smoothly with the debtors and creditors and things go out of control then the bankruptcy is filed. When the creditors who do not receive the debt which they owe and they begin to torture or threat the debtors then this situation arises but in reality a person do not have to wait till they receive any threat as this is not right.

    Services that are offered by debt relief attorney

    A will answer the entire question related to the bankruptcy. As soon one employs this attorney they will first make sure that they stop the harassment from the creditors. After employing an attorney the debtor will not be in touch with the creditors as when a creditor calls then the debtor will have to give the name and number of attorney and only then they will be contact with each other without giving any trouble to the debtor. The lawyer will speak for their client in the court and act on behalf of them and fight in favor of their client.

    If the debtors do not have any home or any secured debt then all his debts will be discharged and if he has a home or has a debt like vehicle loan then the settlement is made accordingly and the lawyer will help their client in settling everything where the debts are not be discharged and one can get some time for repayment and one might also loss their home or vehicle in the settlement. The lawyers will guide their client in rehabilitating the credit. One should be patient and listen to the advice of their attorney for best results.

    Author Resource:

    is conveying information about debt relief attorney Memphis and . You’re probably thinking, everyone says that, so, what’s different here. It’s the commitment of quality, genuineness, and a guarantee that values your time and interest.

  • Get Building Insurance from Insurance Options

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    September 24, 2020 /  Tax and Insurance

    Are you planning to cover your building with insurance? In that case bear in mind to into consideration all the policies that different insurance companies put forward. Remember to select companies that insure all the contents inside as well as the building on the whole. This will help you to be relaxed. Insurance Options is one such company that provides for such kinds of insurance along with a reduction that is at least 20%.

    Insurance Options without any iota of doubt will make your life more comfortable. They provide you with the facility to evaluate premiums as well as cost for different insurance products, for instance; funeral cover, business insurance, life cover, hospital insurance, buildings insurance and car insurance. At Insurance Options they aim to bond you as well as your requirements with esteemed, trustworthy insurance companies. They pursue for insurance arrangements in addition to products and assist you to make certain that you acquire the most excellent deal feasible. You can visit for more details.

    Features of Insurance Options:

    They will link you with all major insurance companies. Hence, all you have to do is to merely fill in your detailed information one time and you will be called back by Insurance Options indemnity partners’ along with a quotation. Insurance Options simply deal only with South Africa’s most trustworthy indemnity companies. The company in reality does away with all the irritation that you may come across while you shop for your building insurance. All you required to do is fill up your fundamental info and hang around for a specialist to ring back. Insurance Options provide you with a fast as well as trouble-free way to evaluate and make certain that you aren’t paying more than what is required for the products in addition to the services that you receive from insurance companies. From the cool comforts of your home you can make a decision as to which company you would be dealing with. Insurance Options will link you with indemnity companies.

    Benefits of Insurance Options are:

    You can get a benefit that is guaranteed of at least saving 20% on building Insurance. The company will manage your on hand building insurer as well as deal everything on your behalf! The company will see to it that you are never exposed to any kind of under insurance. You also will be getting a full geyser warranty as well. You can avail the services of the company 24 x 7 for all the 365 days of the year.

    Resource The author of the article has an extensive experience Insurance, Building Cover especially in the field of & .

  • Manifest Money By Falling In Love 5 Simple Ways To Love Money

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    September 24, 2020 /  Money and Bank

    Manifesting money is easy once you’ve fallen in love with it.

    Most people do not love their finances, because it’s in a negative state. Fall in love with money. Be clear about the amount of moolah you want to manifest. State it and mean it! It should not be how much you can earn, but how much you want to receive.

    Money is magnetic energy. You are a magnet that attracts all things via the signal you emit through your thoughts and feelings. To become a powerful magnet of prosperity, fall in love with money and believe that you have what it takes to attract it.

    Why People Hate Money

    1. They don’t have enough of it
    2. It’s hard to find and make
    3. It’s associated as the source of all evil
    4. The belief that they can’t be rich
    5. The belief that it’s the only source of happiness

    Most people are attracted to things they love; the same is true with loot. If you want to manifest riches, the first step is to fall in love with it.

    You may be thinking “Isn’t it true most people have very little or no funds at all?” If this is your BS (Belief System) this is the reason, why you haven’t fallen in love with money. You believe it’s not easily available to you.

    There are people who mistreat, behave and talk bad about those who have large sums of dough in their possession. In doing so, the Law of Attraction is reversed and works against them causing them to lose out.

    There is another group of people who associate this currency with evil. They believe wealth is the source of all evil and thus end up hating it. While there are others who even go to the extent of killing for cash.

    How to Fall In Love with Money

    1. Be clear about the amount you want to manifest
    2. Believe that you have what it takes to attract it
    3. Know it’s needed to live a fulfilling life
    4. Understand that it’s a good thing
    5. Remember there’s an unlimited amount available to you

    There are those who say that money is not everything nor is it the only source of happiness. However, it is not possible to accomplish or own anything without currency.

    Money is used to accomplish a lot of things both good and bad; therefore it is upon you to decide what you intent to do with it once you have it.

    Most people limit themselves as far as how much capital they would like to have. It should not always be about how much you can make but rather how much you want. And there is no limit to what you can achieve as long as you know how to manifest money.

  • What Has Changed Recently With ?

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    September 23, 2020 /  Technology

    How to Identify the Top Janitorial Services

    Contracting the services of expert janitorial services is very gainful for every company. One of the benefits that are associated with hiring professional janitorial services is that they are able to offer high-quality services. Professional janitorial services are able to deliver high-quality services as they use the latest equipment and tools of janitorial cleaning. One of the other benefits that are associated with hiring a professional janitorial service is that they give a better impression about your company.

    It is highly recommended that one does consider investing in hiring a professional janitorial service since it is a much more cost-effective option. As you don’t have to purchase janitorial cleaning tools and equipment, you will be able to save on costs. Allowing one to save on time is one of the other gains that come with one hiring the professional janitorial services.

    Knowing the leading janitorial services to a contract can however be a very distressful thing for most people. It can be overwhelming to identify the leading janitorial services owing to the multiple options for janitorial services flooding the market. There is a need for people to adhere to a certain procedure when out there searching for the number one janitorial services.

    Licensing is one of the essential things that one needs to interrogate when searching for the leading janitorial services. Always restrict yourself towards selecting the janitorial services that have got the due authorization from the authorities. By checking the state license office, you can be able to know if certain janitorial services are licensed. Before settling for a certain janitorial service, it is also recommended that you check if they are duly insured.

    One of the other tips that one needs to follow while finding the number one janitorial services is checking their prices. It is recommended that you consider asking for quotations from the various janitorial services. Janitorial services that have cost-friendly rates are usually the best for people to settle for. Thirdly, it is essential that people get to check the experience of the janitorial services that one is considering to choose. You are advised to consider hiring those janitorial services that are very established in the market in the sense that they have been around for a while.

    It is also very essential for people to check the kind of tools and equipment that are used by the janitorial services that you are considering to choose. Invest in hiring janitorial services who use latest technology tools and equipment. Those janitorial services with excellent customer services should always be the priority to find when selecting the best janitorial services.

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  • Study: My Understanding of

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    September 23, 2020 /  Web Resources

    Looking for the Best Real Estate Agent

    Once you had made the certain life-changing decisions in order to buy for the first home, then you need to make sure that you will be ready for the difficulties ahead. There are actually a lot of things that you need to learn right before you are going to start the home buying process. The most important step that you have to make sure to consider when finding for the best real estate is that you need to find the best agent wherein you can be able to work with. Having the person whom you can trust can surely be of great help most especially to have the entire process go on smoothly.

    With that, let us now try to look right into the overall process when looking for the real estate agent. One of the excellent ways is to find the right real estate agent through the help of the referral especially when it comes to finding the one which you can trust with. The close friend or close relative for instance can surely be of great help especially when they have recently bought a property that is near the area that you are looking or planning to buy. Try to make sure that you are going to ask them if they had work with the certain agent and if ever that they can refer into you a certain agent for you.

    You may also try to look online for the best realtors. The internet can be the great source or tool that you can use and that you do not have to leave any more your house just to search for the best real estate agent. There are those websites that list down real estate agent and there are also those websites that was being operated by the certain real estate agent with the useful information to be able to boot aside from that of the contact information of the agents.

    To add, you may also find a good real estate agent through open houses. When you are planning to attend one, you need to make sure that you are going to use that certain chance to be able to network. If you are looking forward to being able to sell that of your property and that you are searching for the good agent to aid you sell it, then you need to take note of what those agents are doing. If they are doing the right things for you to sell that of the property, then for sure they can be as great for you to work with. If ever that the agent is just ignoring you and then letting you go into the house, it can surely be a red flag that you need to take note or take into consideration.

    Lastly, if you look for the property that is far from that of your location, then you can do is to ask for the help of the professional that is located in your area if ever they can recommend you a great real estate agent.

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  • Short Course on – Covering The Basics

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    September 23, 2020 /  Financial

    The Topmost Benefits of Solar Power in Your Home

    One of the most paid bills in any home or institution is the electricity since it is a necessity, especially, for most businesses, you might have to plan your finances accordingly to cater for this aspect. The most affordable means power is solar energy, with this power mode, you will no longer have to worry about the electricity bills. Currently, the use of solar energy has been widely embraced because of the distinct benefits associated with the system. If you are interested in going the solar way, well, this is the perfect read for you as we are going to outline the main benefits of solar power.

    Electricity is quite alarming especially if you have numerous need for power in your home or business, luckily, solar energy can relive you off these costs and eventually provide room for you to save more money. Besides reduction, I n costs, solar energy gives you the power to accrue instant savings from the energy collected in the solar panel since not all the energy will be used in your home or business.

    Solar energy can be renewed and easily harnesses, constant blackouts can be boring, however, when you are using solar energy, you are exempted from such situations because you will always have consistent power as long as there is the sun.

    Solar energy in homes is unique, therefore, any homeowner who installs solar power in their home is likely to attract more buyers should he or she want to sell the property in the future. Most solar energy companies offer these services for credit, so you are allowed to procure the solar post and pay back in installments for a specified period, this is much easier compared to electricity bills because you will no longer have to pay for the power once you clear off the payment.

    The diversity of solar energy is another attractive factor about this system, apart from its electric power function, it can also be used in water distillation and building. Electricity can be hazardous if not well-maintained, for this reason, solar energy is safer to use because it does not require maintenance at all times, you only have to ensure that it is good condition. Besides that, most solar energy companies always offer a warranty on this systems, this means that the maintenance bit will be well taken care of should it be necessary.

    Electricity costs can be unpredictable, you might not know what bill will be presented to you at any given time, so to avoid any rising energy costs, solar energy will be the best solutions, this is because there ate no costs attached to it once you finish the payment plan as agreed by the energy supplier. If you have envisioned solar energy in your home, you have to be keen on the supplier you choose in order to enjoy the benefits outlined in this article.
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  • Doing The Right Way

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    September 23, 2020 /  Business Products & Services

    How to Get The Best Factory Painting Services

    Factory painting allows you to give a new touch to those old and faded walls in your factory. A factory painting expert should be higher after you understand what it takes to hire the services. In case you intend to hire a painting factory expert, do not hesitate to establish the level of qualification and experience. In a bid to establish the number of painters required try to think of the size of the project in question. The worst thing about hiring the factory painters who lack experience is that the whole project is going to disappoint you to the core. Getting a team of painters that concentrate on standard and quality is the best thing.

    In case you want to get quality factory painting services, then you should take your time when hiring the factory painters. One expert is enough for your factory painting projects and for this reason, anytime you are in need of a factory painter, you do not have to look for one. The factory painting experts should also use high-quality paints because this is the only way you can have a quality paint job.

    Consider getting factory painters who are covered. It is of no doubt that factory painting is likely to expose the professionals to a lot of risks. Once you hire factory painters, make sure that, and they already have a compensation insurance coverage because this is the only way you can be sure they are safe while handling the project. Discover more As long as you are working with insured factory paint is there is no way they can file a lawsuit against you, especially after they sustained injuries. Get a factory painting expert who is excellent in feedback and communication.

    Consider their credibility of the factory painting experts before you can hire the services. When you work with this kind of painting contractors for your factory, it means that you cannot doubt their track record and their ability to satisfy you as a customer. in case the factory painting experts exist in different review sites, then you should try to find out what other customers feel about them. In case you are in a position to access the website of the factory paint house, then look for testimonials there. If possible, you could ask someone to recommend you to the best expert no in factory paint. If you intend to hire factory painting services, then it should be and no-obligation way, and for this reason, you should not be compelled into signing any contracts by the painting company because you are supposed to have your own decision to make.

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  • A Market Data APIMaking an Interactive Financial Information Display Possible on Your Website

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    September 23, 2020 /  Financial Plan

    Why do you need a market data API in order to display financial data on your website? An API is an Application Programming Interface, an essential part of the interactivity of Web 2.0. A programming interface is like a foreign language translator-It allows one computer operating on one system to talk to another computer operating on another system. Imagine how complex this can be when computer systems are communicating with market data. When you are providing financial information on your website for your visitors, APIs are necessary to display all but static, non-changing information.

    Look for a market data solutions provider that can offer several different code-based APIs or SDKs (Software Development Kits) to ensure that you can connect with data feeds and tickers for real-time, delayed, end of day, and historical information. Having access to a .Net, Java, or COM/Win32 API will make this communication more easeful. APIs should have both a server side component as well as a client-side component.

    Sample code should be provided with source code available for your tech team.

    Consult with your tech team first to determine whether your system would most easily connect to a .NET, Java, or COM/Win32 API. Then find the market data solution firm that can provide the appropriate API for your system. If you need a .NET API to receive market data, make sure it is written in fully manageable C# code and built within a .NET 2.0 framework. If it is a Java API that you need, of course, make sure it is written in pure Java. No external native libraries will be needed. The Legacy COM/WIN32 API should be available from your market data solutions firm if your system requires this type of interface.

    If this all sounds like a lot of mumbo jumbo to you, just make sure that the market data solutions company that you select offers complete code samples, documentation, and complete customized tech support, regardless of the market data API available. Broadcast feeds should come in a format that compresses and consolidates direct feeds from any exchange. Check to be certain that they offer financial data feeds in raw or original exchange format, utilizing HTTP transfer in XML, CSV, and FTP. And most importantly, make sure that the data you receive is the most timely, accurate data available. Your data solutions firm must provide reliable figures, with transactions, inserts, and corrections reported as they are reported by the exchanges. Visit BarchartMarketData.com, where you’ll find more information about each marketdata API available and how to get started on posting your own white-label financial data feed on your company’s website.

    Colin Snider lives in New Orleans, Louisiana. He is a promoter for local venues, including concert venues and clubs, in the city. Football is his favorite sport and he is a hardcore Saints fan. He also enjoys trading and investing in the stock market and relies of end of day data to make financial decisions

  • Debt Eraser – Simple Debt Reduction And Elimination

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    September 23, 2020 /  Loans and Debt

    People take a variety of loans for a variety of purposes. If you think that you have a huge debt and want to eliminate it, then ask a financial planner to make a debt elimination plan for you. They will look into your revenue streams and the spending pattern. Then they will try to eliminate the smaller debts first.

    It’s difficult to eliminate long-term loans; it’s certainly possible to eliminate short-term loans. Stop buying and spending on credit in short term. This will lead to short term debt elimination. For example don’t buy groceries on the credit card. This will automatically lead problems, this advice will be useful for you. Use cash to buy and use coupons for getting a few dollars off on various products. Thus there will be less credit card bill at the end of the month. Use a credit card only when you must.

    Get professional help. The best way to know exactly what you need, is to use a professionally recommended debt elimination plan. Contact a quality debt advisor like for example Abacus, which will almost guarantee that you will save yourself money and time.

    Consolidate multiple bills. If you have lots of bills to pay each month, you will be amazed if I told you how much extra you are paying unnecessary. The solution is to consolidate all your debt into one loan and pay only one bill a month. This will cause the amount of interest you pay to go down, while at the same time the amount of money in your pocket goes up.

    When starting your debt elimination system, be sure to focus on one bill at a time until it’s completely gone. One way is to start with the debt that has the highest interest rate. Another way is to start paying off the one with the lowest balance. Many people have had success paying off the bill with the lowest balance because they can see an immediate reward for their effort. Whichever way you choose, start the process today and you’ll have the debt relief that you deserve!