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Wholesaler CEF has published Get Smart, Get Connected – a new guide to smart home technology to help simplify smart home product selection for professional installers and buyers.
SPARKS headed to Northern Ireland last week to find its latest finalist for the SPARKS UK Electrical Apprentice of the Year competition.
A lot can change in 100 years. Technology develops, new challenges emerge, solutions are found – and those with a passion continue to design and innovate.
The SPARKS Employer of the Month award celebrates the employers who are passionate about the future of the electrical industry.
Electrical training provider Trade Skills 4U announces a new expansion into the Midlands as it looks to target aspiring electricians.
A respected electrical safety expert has answered some of the biggest questions about what the 18th Edition means for electrical contractors.


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Beautiful almost new, low maintenance ranch style home!!HOA will maintain snow, trash and front lawn! Stucco exterior! Upgraded stainless kitchen appliances, gas range/oven, refrigerator, washer and dryer all included. Stucco exterior! Hardwood floors on the majority of the main level! Open great room concept! Granite counters in the kitchen! Finished basement with 9 foot ceilings! Large bedrooms, fantastic views of Pikes Peak! Air conditioning! Main level living!
Electricity, Cable, Natural Gas, Telephone
Dishwasher, Disposal, Microwave Oven, Range Oven (Gas/Elec), Refrigerator, 220v in Kitchen, Dryer, Washer
Ceiling Fan, Central Air, Natural Gas, Forced Air
|Under Contract - Showing (from Active)
The real estate listing information and related content displayed on this site is provided exclusively for consumers' personal, non-commercial use and, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. This information and related content is deemed reliable but is not guaranteed accurate by the Pikes Peak REALTOR® Services Corp.

subset: commoncrawl


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The Louisiana Stripe Pillow (cushion)
Order multiple products from the same collection.
This is a coverlet collection in a heavy mixed weave construction (sateen + basket weave) in desert and oyster colors. The coverlet is two pieces of fabric seamed in the center with raw selvage side edges and seamed at the top and bottom. The pillow shams are finished with a zipper.
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Price: $6.50
Quantity: 1 available
GUNN, James E. Kampus. N.Y.: Bantam, 1977. pp (6),1-308,(6). 2 folding sci-fi book club cards bound in at centre. Smaller 8vo. "paperback". a.e. dyed yellow. "1984 is the good old days. On American campuses, professors hawk their courses, dozens of political groups compete in violence and computer-dating means having sex with a computer. It may not be all grind, but it isn't fun and games - as one senior finds out when he kidnaps his favorite professor - and kills him for his knowledge. You are looking at the college of tomorrow - where yesterday's radicals are the Establishment. And tomorrow's students invent the ultimate revolution." Vg. 6.50
Title: Kampus
Categories: 40,
Publisher: 1977,:
Item: 1.00 Item
Seller ID: 2532
Keywords: LITERATURE SCIENCE FICTION UNIVERSITY UNITED STATES ,


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- 2 beds
- 1 baths
- $325,000 price
- 1122344 mls id
- Square Feet: 926 sqft
Welcome Home! This 2 bedroom, 1 bathroom, open layout, 1st floor Condominium offers all of the comforts and amenities of condo living while being close to transportation and shopping; all while being situated on a manicured, park like property. The unit is located on the first floor: Living Room/Dining Room combination w/SGD to a private balcony/patio, Kitchen with a custom breakfast bar, Master Bedroom, Bedroom #2, Full Bathroom, Laundry closet with Washer & Dryer combo, utility closet, & CC.
- Site Link
- Style Other Style
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19 Pictures
Stop paying rent! You can own this 2 bedroom, 1.5 bath Condo conveniently located to everything! This duplex style layout is a great layout. First level is your kitchen & dining area, .5 bath, laundry room, living room with vaulted ceilings and skylight which makes everything bright and open....
314 Willow Road West Staten Island, NY
2 beds, 2 baths, 1,065 sqft, $314,998
Single Family Attached
7 Pictures
Large 2 bedroom- 2 bathroom, plus family room condo offers cathedral ceiling, sky-lights, balcony and loft. All in in ocean front community a block away from the beach. MAINT FEE INCLUDES STRUCTURE INSURANCE, ROOF AND SIDING MAINTENANCE, POOL, TENNIS, SNOW REMOVAL AND GROUNDS MAINTENANCE. AS IS SALE
364 Sprague Ave Staten Island, NY
2 beds, 2 baths, 1,314 sqft, $330,000
32 Pictures
Completely renovated 6 years ago this most accommodating 2nd floor 2 bedroom condo with custom kitchen and bath with large storage attic in an intimae 8 condo unit development above Hylan yet the convenience of being a short distance to everything.
31 Russell Street E Staten Island, NY
2 beds, 1 baths, 740 sqft, $349,900
Courtesy of: Papp Realty
Office Phone: +17187276900
Listing Agent: Angelo Pappalardo
Updated: 18th February, 2019 6:26 PM.
85 Elmwood Park Dr #56 Staten Island, NY


text: September 12, 2018 The Beautitudes 0 Comments BIG Admin The Beatitudes Project Join Stu G on his journey through the upside down announcements of the beatitudes. source Tagged: All Sons and Daughters , Amy Grant , Beatitudes , Blessed Are the Meek , blessed are the peacemakers , delirious? , hillsong , martin smith , peacemakers , Stu G , wor... Related Articles Blessed The Beatitudes Matthew 5 July 8 2018 Posted On October 8, 2018 ~ 0 Comments Blessed are Those Who Hunger and Thirst For Righteousness Matthew 5:6-7 Guest Speaker Lyle Wells July 8, 2018 Living Hope Baptist Church College Station ...… The Beatitudes of Heat Posted On December 5, 2018 ~ 0 Comments Provided to YouTube by The Orchard Enterprises The Beatitudes of Heat · Noel McKay Sketches of South Central Texas ℗ 2015 B N Records Released… You Are Blessed (the beatitudes song) Posted On May 24, 2017 ~ 21 Comments robyn collins and beau hoffman decided to write a song to make it easier for people to remember Jesus' teachings, the Beatitudes. the promise is… 0 Comments Leave a Reply Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website


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ZR/Zabé Ellor
he/him | #dragonhatchlings | associate agent @JDLitAgency | queryme.online/ZabeEllor | rep'd by @kaitylynne13
#MSWL Historical YA (not open to adult yet!) about trans/nonbinary characters, by trans/nonbinary authors
ZR/Zabé Ellor @ZREllor · Jan 12
#MSWL YA historical fiction featuring trans characters
ZR/Zabé Ellor @ZREllor · 24 Sep 2018
Specific #ownvoices #MSWL I'd love to see: a YA historical retelling of SOME LIKE IT HOT about a teen trans girl discovering her identity when she joins an all-girls musical group to escape vengeful mobsters
ZR/Zabé Ellor @ZREllor · 21 Sep 2018
#MSWL Fantasy and historical fiction about female characters engaging in traditionally-feminine pastimes. Give me seamstresses breaking curses, wetnurses playing politics, noblewomen arranging marriages for their kids


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Storage is also a plus point for the Waterrower series as they are all designed to stand upright with the tank acting as ballast for stability. In this position they only take up around two square feet. Again, great if you are planning on training in the living room. However, if you have small children, I would advise fixing the top to the wall with a hook and strap.
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The table on the left gives the speed of waves of different wave lengths in deep water. "Deep" in this context is not an absolute value, but is relative to wave length. The simple relationship starts to to breakdown when the depth of the water is less than 1/4 th the wave length. At that depth the bottom exerts sufficient drag on the wave to slow its motion and thus decrease the wavelength [equations and more about wave speed].
WaterRower Dimensions: 83" x 22" x 21" / Weight: 108 Lbs (At Minimum Water Level)Built For Home Use & Practically Maintenance Free..., Rowing Machine Targets All Major Muscle Groups (84% Of Total Muscle Mass) W/ Excellent Adjustable Resistance LevelsMade W/ The Elegant & Desirable Solid Cherrywood That Darkens W/ AgeBoasts A Patented Water Flywheel That Mimics The Natural Dynamics Of Rowing Yet Suitable For Users W/ Joint Concerns (Chlorine Tablet Is Available Free Of Charge)Enjoy 1 Year Manufacturer's Warranty (Upgradeable To 3-Year Parts While 5-Year Frame Is Free Of Charge W/ Registration) read more
This popular rowing machine utilizes magnetic resistance for a quiet, and very smooth workout. The Velocity Exercise CHR-2001 also features a programmable computer with 12 programs that will keep your exercising varied and challenging for years. The computer also provides data on distance, time, calories burned, pulse rate, strokes per minute, and stroke count. Additionally, the tension resistance is electronically controlled via the computer. This electronic resistance control feature puts the CHR-2001 ahead of other magnetic rowers that tend to use knobs.
In sweep or sweep-oar rowing, each rower has one oar, held with both hands. This is generally done in pairs, fours, and eights. In some regions of the world, each rower in a sweep boat is referred to either as port or starboard, depending on which side of the boat the rower's oar extends to. In other regions, the port side is referred to as stroke side, and the starboard side as bow side; this applies even if the stroke oarsman is rowing on bow side and/or the bow oarsman on stroke side.


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"Okay," she responded and also the good news is pressed no even more.
"What is this meat?" Nokomis asked checking out the meat sticking out where she had actually attacked off a scrap.
I led her via the roads, usually offering her a mild pull as she quit to look. We neared the boundary of the Enjoyment Area and also the Lower Market.
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Do not ask any kind of inquiries. Do not touch anything and also for the purpose of my peace of mind do not approve anything to consume or consume," I cautioned.
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Quit acting so surprised," I advised. I looked about, however no one appeared to have actually seen.


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Optimization of a cylinder surface area. What are the best parameters (radius and height) to get the minimum cylinder surface area to a given volume.
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text: Technical Analysis USD/JPY and AUD/USD Forecast USD/JPY and AUD/USD Forecast Monday, 4 February 2019 10:43 Share 0 Tweet 0 Pin it 0 USD/JPY The US dollar initially dipped a bit during the trading session on Friday, but after the jobs number rocketed higher to break above the ¥109 level handling and approach the ¥109.50 level. While this is a very bullish sign, the reality is that there is a ton of resistance just above. I would not be surprised at all to see the ¥110 level reject price yet again, and then the market would roll over. I certainly think at this point we are likely to see a big fight there as not only do we have the ¥110 level, but we also have the 50 day EMA and the 61.8% Fibonacci retracement level. With that in mind I am looking to fade rallies that show signs of exhaustion closer to the ¥110 region. I believe that the ¥108 level is massive as far as support is concerned. AUD/USD The Australian dollar has fallen a bit during the Friday session, as we continue to hover around the 200 day EMA. I would fully anticipate that we could get a little bit of a pullback from here, but I also recognize that there should be a lot of support underneath. I believe that the 0.70 level underneath is massive in its importance when it comes to support longer term, that extends down to the 0.68 handle. With that in mind, I would not be surprised at all to see a bit of a pullback after we have had such bullish pressure, and of course we have a lot of conflicting signals coming from the US/China trade situation. Longer-term though, I do believe the buyers are trying to find a bit of a base in this area and a trend change is always a messy affair. Currency Pairs USD/JPY AUD/USD Christopher Lewis Christopher Lewis has been trading Forex for several years. He writes about Forex for many online publications, including his own site, aptly named The Trader Guy.


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Validating xml against schema c
Through its support for datatypes and namespaces, XML Schema has the potential to provide the standard structure for XML elements and attributes.
one possible solution is to load the xml you're validating into a Xml Document object, manually add the xmlns attribute to the Document Element and validate the xml document. To this end, I was curious how you could take the generated classes and Dataset) option, which requires using Datasets, instead of leaner, C# classes.To test this theory out, I created a separate "book" example / VS solution that demonstrates how to do this.Load("Customers Orders.xml"); bool errors = false; cust Ord Doc. XML Schema is an XML-based representation of the structure of an XML document.


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The listing is expired. You can't contact the publisher.
VAM Systems is a Business Consulting, IT Solutions and Services company with operations in UAE, Qatar, Bahrain, USA, Australia, Singapore & India.
VAM Systems is currently looking for GIS (Geographical Information Systems) Developer for our Bahrain operations with the following skillsets & terms and conditions:
Brief Description of expected tasks:
• Create spatial data sets, prepare maps and maintain GIS databases for client's ArcGIS systems
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• Arc GIS V10.x
Additional Remarks:
• Strong working knowledge of ArcGIS Server, and ArcGIS API for web-based mapping applications
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Joining time frame: 2 weeks (maximum 1 month)
The selected candidates shall join VAM Systems – Bahrain and shall be deputed to one of the leading Organizations in Bahrain.
Should you be interested in this opportunity, please send your latest resume in MS Word format at the earliest at email@example.com or call us +91 (0)471 3073535.
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Ebook "The art of photography" an approach to personal expression by Bruce Barnbaum download TXT file format
Book description:Identifiers:
Publisher: Photographic arts editions.Includes index..
Date: 1994.
Place: Dubuque, Iowa
Edition description:
Photographic arts editions.Includes index.
The book was published in 1994
Language: English
This book describes the following items:Photography, Artistic., Photography.,
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Please, select your region to boost load speed:Any Region


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KD shows out for Team LeBron in All-Star game
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By 01baksoenak1108. Kitchen. At Thursday, August 16th 2018, 06:37:19 AM.
Painting a ceiling can be a pain in the neck (literally!), but it's a relatively easy project that you can do yourself. Before you begin painting, make sure to cover your floor, countertops, cabinets, appliances and any other surfaces with a drop cloth. Using painter′s tape, cover the area where the wall meets the ceiling, unless you′re using the same color on both surfaces.
Once you´re ready to start painting, you´ll want to prime the ceiling. Once the primer is dry, paint a 2- to 3-inch cut-in line on the ceiling using a paintbrush. Make sure to start painting the ceiling with your roller while the cut-in line is still wet to avoid having a visible line. Then, make a zigzag pattern with your roller and go over that with straight strokes to even out the paint. Let the first coat dry and then start the same process over again for a second coat.
It‵s also important to purchase high-quality paint when painting your kitchen walls. By choosing a well-known paint, you´ll ensure the one you´ve chosen won`t peel or chip after a little wear and tear. If you`re not sure which paint brands are best, ask for help when you visit your hardware store, and a sales associate can give you detailed information.
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Embolden 2018 – Program Details
Embolden – A Fashion Parade
This fashion parade by older people will explore how perceptions of beauty change as we age, how ageing bodies can be celebrated and how we can empower ourselves as we age.
Date: Tuesday 9 October
- 5.30 to 6.30pm: Drinks, canapés and art about beauty and ageing
- 6.30 to 7.30pm: Fashion parade
- 7.30 to 8.00pm: Mingling with the models
Where: St Kilda Town Hall Auditorium, Corner Brighton Road and Carlisle Street, enter via Portico
Cost: $20 for people aged 65+
Bookings essential: https://www.celebrateageing.com/embolden.html
Embolden is a two day Conference/Festival for older people and service providers. It focuses on challenging ageism and building an age friendly world. A series of plenary presentations by older people and other experts will highlight strategies for healthy ageing and protecting ourselves from the damaging impacts of ageism. Presentations also focus on building age friendly communities.
The two-day event includes a Market of Great Ideas, a Fashion Parade and internalised ageism workshops.
Presenters include:
- Dr Ruth Williams, Academic Convenor, Hallmark Ageing Research Initiative, University of Melbourne
- Dr Ann Zubrick, Adjunct Professor Centre for Ageing and Pastoral Studies
- Professor Michael Tsianikas, Ageing in a Foreign Land project, Flinders University
- Sue Pieters-Hawke, writer, advocate, educator, consultan on positive ageing
- Marlene Krasovitsky, Campaign Director, Older Australians, Benevolent Society
- Leonie Sanderson, The Ageing Revolution Queensland
- Veronica Clarke, Community Development Officer – Seniors, City Of Melville, Perth
- Anne Tudor, Co-Coordinator Bigger Hearts Ballarat
- Robyn Burton, Diversity Project Manager ECH Adelaide
Activities include:
- Market of Great Ideas: the St Kilda Town Hall will be transformed into a Market Place. Grab a latte, meet the innovators and talk to them about their great ideas
- Kitchen Table presentations: A series of presentations by families will transport us to their Kitchen Tables to hear stories about ageing and respect for older people
- Fashion Parade: A fashion parade by older people will explore how perceptions of beauty change as we age and celebrate ageing bodies and empowerment.
- Ageism Workshop: This workshop invites us to reflect on the impacts of internalised ageism and launches a new strategy for protecting ourselves.
Date: Tuesday 9th October 2018 from 10.30am-8pm; Wednesday 10th 9.30am-3.30pm
Location: St Kilda Town Hall, Carlisle Street St Kilda
Cost: $49.60 for people aged 65+/unwaged inclusive of two-day program, tea/coffee, lunch and fashion parade
Bookings essential: https://www.celebrateageing.com/embolden.html
Program details: Please download the flyer


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Delicious Junction 'Watts' 60s Mod Womens bowling shoes. 'Watts' will be your go to dancing shoes for your Northern Soul, All Nighter's! Featuring a fabulous smooth leather upper in classic black. 'Watts' by Delicious Junction conjure up an authentic and nostalgic glimpse of Britain's Northern Soul heritage, steeped in Mod tradition and the perfect footwear for all array of Retro Clothing and Mod threads. Team with a cute Mod dress and tights for a gorgeous 60s look!
Delicious Junction 'Watts' Retro 60s Mod Womens bowling shoes in black. Watts' is a faithful reworking of a Northern Soul and Mod footwear staple, here in black leather. Classic panelled bowling shoe silhouette with leather central panel flanked by leather sides. Stylish Retro perforated detail to sides. Slight block heel, 6 eyelet lace fasten and Mod stitch down upper. Grip to slight block heel. The smooth, glossy tunit wood effect finish makes 'Watts' perfect for showing off your well practiced dance moves!
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Dealing with hawala: informal financial centers in the ethnic community.
How Hawala Works
Hawala comprises one type of the informal value transfer system (IVTS) used mostly by members of an ethnic community to send money around the world. Other forms of IVTS, which also can be elements of hawala, include physically transporting (smuggling) currency and stored-value transfers (chits). Hawala does not involve the immediate movement of any negotiable instrument nor are actual funds immediately transmitted anywhere. An ancient system that actually predates banking, it works in an analogous manner to a more formal system of "wiring" money. (2) When individuals wire money, they contact a legitimate money-wiring service and provide an amount of funds they wish to send to another party plus a fee. If they send money overseas, they generally pay a recognized margin or exchange rate at which they purchase funds in that country's currency. Of course, funds are not actually "wired" to the other person, and nobody physically sends money anywhere at that time. Instead, one vendor accepts the cash from the sender, and another gives the same amount to the recipient. Then, the two vendors settle at a later time.
In more legitimate operations, these settling transactions almost always involve the transfer of funds from one account to another at banking institutions. With hawala, however, either a transfer of funds to a bank or a number of less formal settling transactions may occur. Hawaladars (i.e., operators) may travel overseas on a regular basis to settle accounts in person with their contacts. They may have other business interests with these intermediaries that involve inventory and merchandise, which they can manipulate to reflect the hawala transactions. For example, hawaladars can trade premium goods, such as phone cards, at a discount to represent the value of earlier transactions.
Just like legitimate money-wiring operations, hawala often is contained within another community business, such as an ethnic market or travel agency, or run by freelancers who operate autonomously in the community. The global scope of IVTS and hawala is impossible to calculate. An International Monetary Fund/World Bank estimate puts worldwide IVTS transfers on the order of tens of billions of dollars annually. (3)
Money Laundering
Hawala is not necessarily synonymous with money laundering or even white-collar crime or terrorism financing. Money laundering, by its very nature, involves attempting to make "dirty" money, often via drug activity or organized crime wherein criminals generate sums of wealth (usually cash) that cannot be easily explained or managed, "clean." So, they transfer the money in and out of different accounts, banks, and various legitimate and partially legitimate businesses. This supposedly creates ambiguity as to its origin and lends legitimacy to otherwise criminal proceeds. It is significant to recall that money laundering, per se, generally is not, in and of itself, a criminal act. (4) Most money-laundering statutes require evidence of a specific underlying enterprise, such as drug trafficking or other criminal activity, to successfully prosecute the money-laundering offense.
Terrorism Financing
An interesting paradox surrounds the financing of terrorism. First, cash proves as important, if not more so, to successful terrorist operations as it does to any other prosperous venture, legal or otherwise. But, at the opposite end of the equation, terrorist operations are not prohibitively expensive. After all, a teenage terrorist who straps on explosives and detonates himself in a Tel Aviv restaurant killing dozens costs little, yet his actions prove effective.
Ahmed Ressam, an Algerian loosely affiliated with al Qaeda, had lived illegally in Canada for several years when he tried to enter the United States with explosives in the trunk of his car. He was destined for Los Angeles International Airport where he intended to set off an explosion as part of a larger New Year's millennium terrorism plot. His overseas handlers had instructed him to finance himself by burglarizing hotel rooms, stealing credit cards, and committing other petty offenses. (5) Timothy McVeigh and Terry Nichols used the proceeds from several home burglaries and gun show sales to buy farm-grade fertilizer they mixed with fuel oil to bomb the Murrah Federal Building in Oklahoma City.
According to the 9/11 Commission, the entire cost of the September 11 plot was between $400,000 and $500,000. Considering that close to two dozen individuals (the 19 hijackers plus overseas support elements) were likely involved over an 18-month to 2-year period, the funds needed for significant international travel, terrorist-camp training, flight school, and living expenses only approximated $12,000 per person, per year.
The 9/11 Commission also found no evidence of any foreign government knowingly helping to finance the operation; instead, most of the funds were derived from donations to charity. While some media sources have claimed Saudi Arabia was responsible for providing a large amount of terrorism funding in general and particularly for the September 11 plot, a specific dollar-for-dollar nexus does not exist. While the royal family in Saudi Arabia maintains a complex relationship with both its citizens and conservative religious clerics and charities in the country, proving the government provided funds to these religious leaders and charities knowing that the money would eventually finance terrorism never has been established. (6) Moreover, while the 9/11 Commission found that al Qaeda used hawala to move money in and out of Afghanistan, it also determined that the group did not employ hawala in any way to fund the 19 hijackers or the events surrounding the September 11 attacks. (7)
Hawala in the Community
People use hawala for any number of reasons; many of these are legitimate, while others are not. Investigators must understand that in the Middle Eastern community, the importance of family and other trusted relationships cannot be overemphasized. Often, a member of the community refers to another as belonging to a particular family when, in fact, the relationship is so distant that it is legally insignificant. These family and clan relationships perhaps are more significant than in any other ethnic community in the United States. At the same time, many members have relatives in their home countries they support financially.
Within these Middle Eastern and Southeast Asian communities, members trust local businessmen, including the hawaladar, a great deal. That trust is one element that invites the use of hawala. A fictional example of a member of the community employed in violation of his tourist or student visa can help illustrate the system. The young man does not have a social security number and wishes to send money to his homeland, a country where currently it is unlawful to do so, to support relatives. He has four immediate incentives to use a local hawaladar, rather than a traditional bank or money-wiring service.
1) He is violating the terms of his visa by working in the United States.
2) He does not have a social security number and may be working without paying taxes.
3) Treasury regulations do not allow him to legally send money to his country.
4) A hawaladar probably is more economical than other more legitimate means of moving money because of lower finance charges and exchange rates.
Passed in 2001, the United and Strengthening of America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act (8) called on the U.S. Department of the Treasury to determine whether Congress should stiffen laws relating to IVTS in the United States. The report to Congress concluded that although law enforcement had tools at its disposal for dealing with IVTS (hawala), further education was a key element. "The U.S. approach of regulating informal value transfer activity is preferable to outlawing the activity altogether, a course chosen by some nations. Attempting to outlaw the IVTS ultimately deprives law enforcement of potentially valuable information and drives the informal remittance providers further 'underground.' Outlawing the activity also deprives the mostly law-abiding IVTS customers of the primary channel through which they transfer funds." (9)
Techniques for Law Enforcement
As with any crime problem, a keen understanding of who is who in the community constitutes one of the keys to successfully dealing with hawala. Officers and investigators need to use their sources of information to determine which merchants and individuals in the community act as IVTS brokers. When suspicion arises that these entities are employing IVTS to facilitate drug trafficking, terrorism financing, or money laundering, law enforcement can exploit a host of local, state, and federal offenses these enterprises are committing.
Regardless of how well-meaning or "community oriented" hawaladars are, they violate technical infractions each time they engage in a financial transaction. The federal Bank Secrecy Act (BSA) (10) requires any person or group acting as a money-services business (MSB) to adhere to numerous reporting and record-keeping requirements, most or all of which hawaladars routinely ignore. Additionally, these businesses, by law, must register with the Department of the Treasury's Financial Crimes Enforcement Network (FinCEN), which, again, they usually disregard. Furthermore, MSBs are required by law to produce suspicious activity reports (SARs) for transactions over $2,000 that appear, or should appear to them, to involve illegal activity. Finally (although not all-inclusively), investigators should note that Title 18 of the U.S. Code makes it a crime to operate an MSB in the absence of compliance with applicable state licensing requirements. (11) Undoubtedly, these enterprises also do not appropriately follow these regulations.
A misperception exists that hawaladars do not keep records; this is false. Many keep extensive documentation because the settling of accounts often takes place well into the future. What investigators need to look for are unconventional records or ones kept in a language other than English. Also, because hawaladars barter in other than cash products, investigators should check for large transactions involving food stamps, lottery tickets, and phone cards, all of which can be alternate forms of currency in the community. (12) Of course, phone records and those from Internet service providers, as well as legitimate bank documents, can be valuable because they show who the hawaladar has dealt with. Investigators should focus on contacts and transactions that involve Great Britain, (13) Switzerland, and Dubai as these comprise major financial centers with strict financial secrecy laws. (14) Moreover, even when hawaladars are not knowingly involved in serious illegal activity, their nonconforming business practices put them in positions where they could assist law enforcement with the real criminal element in a community, especially those dealing in narcotics, laundering money, or financing terrorism.
The hawala concept is not prohibitively complicated. Its deviance from conventional banking and financial institutions, together with its place in the Middle Eastern and Southeast Asian communities, can pose a challenge for investigators experienced in more traditional financial crimes, including money laundering and terrorism financing. However, employing some specific techniques, coupled with a solid community intelligence base, should assist them with hawala and nontraditional financial centers.
(1) These locales often include individuals of Indonesian, Indian, Palestinian, and Egyptian nationalities.
(2) Patrick M. Jost and Harjit Singh Sandhu, Interpol General Secretariat, The Hawala Alternative Remittance System and Its Role in Money Laundering (Lyon, January 2000).
(3) Secretary of the U.S. Department of the Treasury, Report to the Congress in Accordance with Section 359 of the USA PATRIOT ACT.
(4) While transferring money between different accounts and banks may not constitute money laundering per se, investigators are encouraged to look carefully at all federal, state, and municipal laws and regulations and consult with financial crimes prosecutors as activities, such as "structuring" and improper record keeping, in fact, may constitute specific criminal conduct sufficient to establish money-laundering charges.
(5) National Commission on Terror Attacks Upon the United States, The 9/11 Commission Report: Final Report of the National Commission on Terrorist Attacks upon the United States (Washington, DC, 2004), 175.
(6) Ibid., 170-171.
(7) Ibid., 499 (note 131 to chapter 5).
(8) PL 107-56, October 26, 2001, 115 Stat 272.
(9) Supra note 3.
(10) See 31 USC 5311.
(11) Supra note 3.
(12) Recently, some companies have begun issuing traditional credit cards that can be legally obtained anonymously. Customers prepay a fixed amount for the cards then use them at retailers (currently, online auctions), which accept the card anonymously as payment.
(13) For additional information, see Marc D. Ferbrache, "Offshore Financial Centers: The Channel Islands and the Isle of Man," FBI Law Enforcement Bulletin, February 2001, 10-15.
(14) Supra note 2.
By JAMES CASEY, M.A.
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|Casey, James
|The FBI Law Enforcement Bulletin
|Feb 1, 2007
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Party Glitters Luau party ideas include general party planning tips, as well as inspiration for themed invitations, decorations, food, and activities that will leave your guests feeling ready to hula all the way home!
You may want to consider purchasing the following items:
- Grass skirts
- Leis for Each Guest
- Plastic or Inflatable Palm Trees
- Beach Balls
- Beach Towels
- Sunscreen
The invitations for your upcoming event will set the mood for your Hawaiian luau party and can build excitement before the big day arrives. If you have the time to make your own invitations, here are a few ideas of how you can deliver the details in a themed way:
- Cut a tropical flower out of colorful construction paper. Run a glue stick around the edges and then sprinkle the space with pink, yellow, or blue glitter. Write your party details in the center of the flower.
- Write the particulars of the event on an inflated beach ball. Deflate the ball and send it in a manila envelope. Your guests will have fun blowing it up to read the invitation!
- Send your invitations in a package with a flower lei. Ask that guests wear the leis to the party.
- Attach a card-style invitation to a pair of flip-flops or sunglasses and hand deliver or send in a padded envelope.
- Alternatively, you can cut a flip-flop shape out of construction paper and fill friends in on the theme in a unique way.
- Send the details of your bash by way of a message in a bottle.
If you do not have time to make invitations yourself, there are a range of ready-made options. Head to Party Glitters in New York for all luau party supplies.