• The Three Stages Of Money Laundering

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    August 24, 2016 /  Money and Bank
    Starting a Business Without Money Advice

    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 Small Business Tax Return Service Online Saves You Money And Time

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    August 24, 2016 /  Tax and Insurance
    lending shop hero

    They say the only things in life that are guaranteed are death and taxes. Well, we are going to tell you a secret, we are going to help you all but avoid the stress and pain involved with one of these! No, sorry we are not going to tell you how you can cheat death! But we are going to tell you how you can minimise the pain of having to do your tax return. You can now do your return online! Yes, what used to take hours or days can be done in no time. You can find a great small business tax return service who can do your return for you right now!

    These total tax return preparation services are the best way to do your tax, full stop! There is no more messing around, all you need to do is spend around 10 minutes online, and most returns will be processed within 10 days. Yes, you can get your taxes done professionally, have the peace of mind that they have been thoroughly reviewed by a tax professional, and you will receive your refund (if they are due a refund) within 10 days.

    You are probably waiting for some catch, some drawback, but there is none. Promise. Not even the price. You will be blown away by the service and the price. The best online services can be done for the extremely low cost of just $49. No that is not a typo, you will get change from a $50! You can get your tax done for virtually nothing, so what are you waiting for? Just make sure you use a service that offers free online help so that if you have any questions you can simply message them through their online message system and you will receive an instant response. That way if you need to know anything you can just ask as you are doing your tax return online. It pays to use a service that has free tax estimate tools on the website. All you should need to do to use these is register with the website, fill out some preliminary information, and you will receive a free estimate of your tax refund. Thanks to the internet you can do your taxes in no time and you can save money. In the past taxes have been a dreaded thing but now with the web you can do them easily and simply, so why would you do them any other way? It really is the best so get online to find the right site for you and make the transition to 21st century tax filing. Want a fast tax return? Do it online.

    Author Bio:
    Forthepast3yearsIhavebeenwritinginformativeandhigh quality articlesontopicsuchas Small , Tax return online, andmanymore.

  • NJ Bankruptcy Attorneys and Loan Modification Lawyers Help Those in Financial Distress

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    August 21, 2016 /  Financial Plan
    business plan

    In these tough economic times, nearly anyone could fall into financial hardship. Regardless of the circumstances surrounding a person’s situation, financial obligations do not let up. Very easily, a person can feel too far behind to ever catch up.

    Whether medical problems, extended unemployment, or other unforeseen circumstances are the cause of financial distress, loan modification lawyers can help. Loan modification lawyers can work with creditors to renegotiate the terms of a loan.

    While loan modification lawyers in NJ may work in the same practice as bankruptcy attorneys, but generally have a different emphasis. Normally, loan modification lawyers seek to prevent bankruptcy or foreclosure.

    Loan modification lawyers know that creditors, especially the holder of a home mortgage, want to avoid the bankruptcy and foreclosure process. If a NJ bank has to foreclose on a property and work with bankruptcy lawyers, they will lose a lot of money.

    NJ bankruptcy lawyers and NJ bankruptcy attorneys know that the foreclosure process itself is very expensive, so most banks would like to avoid it if at all possible. Loan modification lawyers help take advantage of this fact to negotiate loan conditions that allow the client to meet payments.

    Loan modification lawyers can help a client ask for smaller payments spread over a longer time, or for a lower interest rate. Taking this step can keep a client and family in their home, and can be a responsible step to take at the earlier stages of financial distress.

    NJ bankruptcy attorneys can help clients if loan modification offers are rejected or were not sufficient to alleviate financial distress. If a person simply cannot meet his or her financial obligations, NJ bankruptcy attorneys can serve as guides through the bankruptcy process.

    Like the loan modification experts, NJ bankruptcy attorneys can work to keep families in their homes. NJ bankruptcy lawyers, however, must work within the court system to meet this goal. Once in court, a judge must approve the NJ bankruptcy lawyer’s plan to pay debtors.

    NJ bankruptcy lawyers can ask for different arrangements, depending on circumstances. They can request that payments be adjusted, or that debt be absolved with the sale of the property.

    Unfortunately, without NJ bankruptcy attorneys or NJ bankruptcy lawyers, the process can be very complicated. NJ bankruptcy lawyers specialize in this legal area, and can simplify and explain all options and proceedings. Clients also appreciate NJ bankruptcy attorneys’ assistance with completing and submitting paperwork.

    About Us:

    At the Law Offices of Kasuri & Levy, LLC, we have over 45 years of experience. Our loan modification lawyers have an outstanding reputation, and are known for handling complex matters with a comforting and personalized touch. We focus on providing quality service to each client, rather than handling client matters with quantity in mind. Learn more at www.kasuriandlevy.com.

  • Qualities of an Excellent Forex Broker in Australia

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    August 20, 2016 /  Forex and Trading
    bank loan

    A forex broker is a person who trades on behalf of a trader. A forex Australia trader buys and sells currencies in the market with the aim of making a profit. When a broker makes a profit, the merchant gives the broker a commission. FX traders do not invest their money in the deal. Therefore, they should ensure that they buy and sell intelligibly and avoid making losses. If you are planning to be a forex broker, you should have the following qualities.

    Wise

    Since forex is highly volatile and you can make huge loses within a short span of time, you should be wise to identify when to execute a deal and when to get out of the job. Entering the job at the right time ensures that you have higher chances of making profits, while leaving the market at the right time aids in lowering losses.

    In addition to being able to identify the best time getting in and out of a market, you should be able to identify scams. The FX market is unregulated. This means that anyone from any part of the world can get into the business. This exposes the deal to great scam.

    With good forex brokers Australia, you should be able to tell frauds from legitimate trades. This way you will be able to avoid engaging in swindle merchants that will translate to lose on the side of you.

    You should use your intelligence and experience in telling swindle from legitimate deal. In addition, if you have tools that are able to differentiate legitimate and swindle, you should use them.

    Positive Attitude

    Forex trading can be stressful-especially when you are on a losing streak. In addition, if you are not using trading software, sometimes it may seem like the market will never be right for trading. Due to this, as a broker, you are bound to give up. Before giving up, you should know that the merchant solely relies on you in executing the deals. Instead of giving up, you should maintain a positive attitude and stick to the business until you start making profits.

    Conclusion

    In addition to the above qualities, as a forex broker, you should have high integrity and transparency. If you have made a profit, you should inform the merchant the exact amount that you have made. If you have made a loss, you should also inform. This way, you will maintain your integrity and your business will flourish.

  • Price Action Trading Using The Atlas Line

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    August 20, 2016 /  Forex and Trading
    lending shop hero

    The answer has been staring you in the face but youve been so overwhelmed with the indicators around it that youve havent taken the effort to understand the heart of the matter. Traders have made their trading strategy so over-complex that they have lost sight of the simple core aspect for trading, that is the market price and its behavior. Price Action trading lies in the simplistic and clear understand of the market analysis.

    DayTradeToWin has been a forefront for educating traders, specifically on how to improve your results by using price action trading. Price action trading has been the primary catalyst for successful traders using John Paul’s trading methods. With the popular At the Open course and Price Action Scalping course, it’s no wonder the Atlas Line indicator has outperformed traditional indicators that simply lag behind.

    The Atlas Line method provides multiple automated signals that serve day traders as a consistent tool for precise market direction. Unlike other price action trading methods, the Atlas Line was created for institutional traders. A unique and significant quality of the Atlas Line is that it can be applied to all markets, including: the E-Mini S&P, Euro Currencies, British Pound, Canadian Dollar, Australian Dollar, Dow Jones, Russell, T-Notes, T-Bonds, Forex and much more. This robust filtering method can be used as standalone or used in conjunction with other trading methods for entry confirmation.

    Essentially, the Atlas Line plots an angled line across your trading chart, and provides trading consistency in its use. Scalpers especially love this tool. Very few software-based trading methods have stood the test of time with the results to prove it.
    The proprietary Atlas Line method is available for NinjaTrader versions 6.5 and 7, Tradestation and eSignal.

    All purchases include an educational private webinar with John Paul for guidance on configuration and implementation of the Atlas Line. This training is a benefit to all purchasers of the Atlas Line because traders learn, understand, and interact with the softwares creator, John Paul.

    Traders get an edge with the Atlas Line by indicating a markets trend early in the morning and making profitable trades based on this information.

    For more information, contact DayTradeToWin by email at or by phone at 888-607-0008.

  • Loan Modification Process – A Waiting Game

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    August 19, 2016 /  Financial Plan
    bank loan

    Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

    Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

    Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

    Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.

  • Save Money For Free County Divorce Records

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    August 19, 2016 /  Money and Bank
    themed around money and business success

    Everyone ought to remember with the aim of a few method with the aim of copies of the certificate of divorce to be hefty. A disadvantage, however, instead of the implementation of freely available investigation institutions agency is too leisurely.

    It will be months otherwise the county divorce records, as compulsory. If the need is urgent, such an come close to is not working of lessons in your back. Indoors broad-spectrum, you need something earlier and easier to act this task.

    However, latest developments in expertise allow make somewhere your home to worth the Internet to investigation surveys in bits of valuable in order just about the county divorce records liberated of charge. The entirety process is very unfussy.

    All you need is a trustworthy place with the aim of offers registration. Indoors actuality, they are liberated of charge or sum of money. But instead of officially permitted reasons, especially as it comes to legal action.

    , with more or less individual in order such as rendezvous and place of the figure of records, kid supervision, allocation of funds, and others. This in order is really main in order with the aim of is used can be inspected by someone from the marriage ceremony license concentration behavior, and genealogy, and other officials. To top quality a location with the aim of offers a trustworthy law.

    Search birth, marriage ceremony is rebuff longer a serious quandary instead of men these days. The results of a a small amount of minutes.

    If you can hold Internet access by in closely to privacy. The cost of trading platforms support the requested services. There is rebuff quandary with someone and viable operate. This is the preeminent solution instead of the up-to-the-minute man.

    If you need help or in the province, we can help. Free Divorce visit all the details in the freely available registers of death . Andy Wong – Copyright 2010 – 2011 : Online shopping : Comparison lowest prices : Check store rating : Product reviews with :

  • Bank Probationary Officer- A Job Worth Respect

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    August 19, 2016 /  Money and Bank
    lending shop hero

    Bank Probationary Officers who may be fresh graduates or those with prior experience who work in bank under their senior officers and take up assignments given by their managers. They are closely monitored and their performance is evaluated by their seniors according to which they are promoted. During the probation period PO is given training and is deployed across various departments of the bank so that he can gain exposure in operations & working of bank. A PO during his probation period must be willing to take any work so as to understand the banking process effectively.

    To get this job one need to go through test and interview. Proper BANK PO PREPARATION can help you get this job. Not only self practise you can take proper coaching from institutes. Institutes like T.I.M.E.S and Career Launcher give coaching and helps in preparation of bank PO examination. While preparing for bank PO you need to work on reasoning, english language, quantitative aptitude, general awareness and computer knowledge. You need to do BANK PO PREPARATION for both objective test and descriptive paper but the most important thing that you need to look after is the negative marketing as the students will be given only 150 minutes for objective test and 60 minutes for descriptive paper.

    The State Bank of India Probationary Officer post is most popular among the students as far as Bank PO job is concerned. The State Bank Recruitment Examination is conducted by the Central Recruitment Board, State Bank Group. SBI conducts this exam in all major cities in India, every year they recruit around 400 to 500 probationary officers depending on the requirement. Not only this many other banks also offer PO jobs at a good stipend.

    BANK PO PREPARATION can also be done by self practise, you need not take proper coaching for this purpose. You can consult the preparation books available in the market and also take help of the internet where you can appear for online practise tests. Self confidence and zeal to clear the examination should be their in a candidate before he appears for the exam. During your BANK PO PREPARATION you must focus on the given syllabus and should build your confidence.

    Proper preparation and self confidence can help you get the respectable job of a probationary officer. Many popular institutes provide coaching for this purpose. Not only coaching but self practise can also help you clear it.

    is a most popular institute and India’s Top Potential Training Institute for IAS / PCS. is the brainchild of its CEO Mr. Thrideep. To make true your dream of many ambitious candidates and fulfill the ambition, he set up the JTS Institute. is an effort to enable the dreams of the aspirants for Indian Civil Services.

  • Seeking Professional Help for Home Loan Modification

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    August 18, 2016 /  Financial Plan
    Small business coaching for you

    Everyone who experiences problems with paying their mortgage are advised to seek for professional help and apply for a home loan modification. Once your application is approved by your lender or the bank, you will have the capability to modify your terms in order to make it more favorable for you. This method is said to be the best way to deal with mortgage problems, and is rapidly becoming popular because of its effectiveness.

    If you are looking for a home loan modification, you can search the Internet and look for online quotes provided by accredited companies. Using the details that you have provided, you will be sent to financial services who dedicated in helping people like you to ease the burdens of their mortgages. You can also ask the help of a licensed modified loan attorney. He will be asking a few questions regarding your finances, and after careful examinations, he will be giving you advices regarding your application for a home loan modification.

    Applications for a modified loan are often times approved, especially if you seek professional help. However, you need to understand that having a professional to help you with your application doesn’t guarantee that you will get a home loan modification. There are several factors that are being considered for an application and you should be aware of these things if you are serious about clearing off your mortgage.

    When looking for professional help online, you should always look for testimonials and feedback of previous clients, because this will help you determine whether a particular company is really capable of helping you solve your financial problems. You can also check forums and blogs that are dedicated to this topic; because these websites will help you learn more about this method.

    Filing bankruptcy should never be included in your options when you are dealing with your mortgage. Aside from the risk of losing your property, you will also ruin your good credit rating, which will prevent you from taking out loans in the future. There are a lot of methods that you can use, and home loan modification program is one of them.

    For detailed facts and essential tips about how you can be approved for a home loan modification, visit this simple, easy to understand loan modification guide and resource:

  • Global Market Report 2012

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    August 16, 2016 /  Market and Franchise
    Online Business

    Global Stock Market 2012

    Australian Share Market has started to get much better level in Local Share Market. Bank Scripts are raising for example ANZ Banking Group and National Australia Bank with the Capitalization and with the size of 87$ this year. China Market has the good movement in Market of 2012. So this movement made Investors and Traders to bet for buy and sell in the Financial market. Only in 2010 Index Future was launched in China Financial Future Exchange which has been going in the nice Movement in China Market. In African Stock Exchange, there are 4 Exchanges which has been taking place in the Capitalization in Africa. They are Ghana Stock Exchange, Sierra Leone Stock Exchange, Nigerian Stock Exchange. Many years, the African Capital Market Integration Council stays at the front of the Integration Process and surviving it. In 2012, More Investors from Foreign has started to Invest in Sri lanka Market, which has made the Investors in Sri lanka scared. Foreign Investors buying the important companies and the Fundamentals in Sri lanka. After 2010, Foreign Investors have bought 28.2 billion Stocks in 201, Only in Si Lanka which has made us surprise. Indonesia Stock Market 2012, Negative Trading have affected the Turn Over and the GDP of Indonesia. But the Local Traders, wants to Invest more in the Indonesia Stock Market. Last few months. Only Indonesia Market having the Negative Movement, but the cause is from Global Market. Bank Stocks like Bank Mandiri has been helping the Financial Sector to become advance as 7.2. So we knew in India, it had been little negative movement in 2011. But in 2012 it has started to flow nicely which is good news for our Indian Stock Traders. We found a result in 2011 Survey, the Return Ratio of Global Market Since 2010 to 2011 is 20% but first 5 Countries which made nearly 20% and above Return Ratio in Stock Market were Denmark (26.1%),Turkey(22.3%),USA(19.6%)Philippines(18.0%) and Belgium(15.8%) As we know, 2012 was good to India and the movement was very flow, traders were beneficial and more and more trades happened in India. Widely 2011 was crashed. Every Month Traders had a thought of flow movement but the whole year was in Negative movement. Anyway Investors believe that Market will turn one day. So we hope it would be 2012 and to compare with 2011, it has been good movement till this month (August). We believe this will continue forever-by banknifty.com!