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Credit: Tom's Guide/Shutterstock People with larger homes should also double-check their Wi-Fi coverage. If the Wi-Fi router is on the second floor and the smart TV is in the basement, for example, the set may not be able to stream video from Netflix or other providers without experiencing hiccups. Furthermore, in our testing, most Wi-Fi receivers in TVs were not as sensitive as those in set-top boxes, such as Roku (more about set-top boxes in a bit),
If your smart TV isn't getting a strong enough wireless signal, you have a few options to remedy the problem. If your router is more than three years old, a good Wi-Fi router that supports 802.11ac could do the trick. Wi-Fi range extenders are also available from companies such as Netgear, but these devices require some time and patience to set up and install.
Routers that set up a mesh network
or extend coverage throughout a home provide another option. The
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and Linksys Velop are two such models that, in our tests, have proved to be excellent solutions for people trying to cover a large home with Wi-Fi. However, these routers are also expensive: Netgear's Orbi, with support for two devices, is $348. Linksys' Velop two-device package is $350.
There is no standard operating system or interface for smart TVs. Nearly every smart-TV maker uses different software and a different graphical presentation. Some companies use a variety of operating systems and interfaces depending on the model.
Most smart TVs support such popular services as
Stella McCartney Black Suede Platform Mules 9ViSDGi
, , Amazon Prime Video and Pandora . However, some sets offer only a handful of apps that rarely change, while other models deliver several screens of offerings, ranging from MLB to Facebook to Stitcher. As smart TVs have become more prominent, the number of dedicated streaming apps has also grown, with apps like PlutoTV offering live news and streaming shows and movies for free. The lower-priced models of some manufacturers offer only the most popular apps, while higher-priced sets provide a complete array of services.
Samsung's Smart TV interface The arrangement of the apps also varies. Some smart TVs use a single scrolling row of icons to display options; others use full-screen menus with rows of options to chose from.
While LG and Samsung still rely on proprietary operating systems, there are signs that manufacturers may be settling on a few major platforms. Roku and Android TV are starting to dominate, but Amazon is coming on strong. Models from Insignia, Hisense and TCL have opted to incorporate Roku's easy-to-use interface and access to thousands of streaming services.
Skjeldestad FE, Atrash HK. Evaluation of induced abortion as a risk factor for ectopic pregnancy: a case-control study. ;76:-
Parazzini F, Ferraroni M, Tozzi L, Ricci E, Mezzopane R, La Vecchia C. Induced abortions and risk of ectopic pregnancy. ;10:-
Tharaux-Deneux C, Bouyer J, Job-Spira N, Coste J, Spira A. Risk of ectopic pregnancy and previous induced abortion. ;88:-
Zhou W, Sorensen HT, Olsen J. Induced abortion and subsequent pregnancy duration. ;94:-
Zhou W, Sorensen HT, Olsen J. Induced abortion and low birthweight in the following pregnancy. ;29:-
Sun Y, Che Y, Gao E, Olsen J, Zhou W. Induced abortion and risk of subsequent miscarriage. ;32:-
Stenchever MA, Droegemueller W, Herbst A, Mishell DR Jr. Comprehensive gynecology. 4th ed. St. Louis: Mosby, 2001:413-78.
Newhall EP, Winikoff B. Abortion with mifepristone and misoprostol: regimens, efficacy, acceptability and future directions. ;183::-
August 16, 2007 N Engl J Med 2007; 357:648-653 DOI: 10.1056/NEJMoa070445
The Perpendicular Razorback Loop features a steep hike up a historic trail to the summit of Mansell Mountain. This loop is on the west side or "quiet side" of the island so offers a hike with the potential for more solitude.
Check for nearby geocaches to Acadia National Park - Perpendicular and Razorback Loop.
Leave What You Find
Avoid the introduction or transport of non-native species. Use local firewood from within 50 miles and clean, drain, and dry water equipment when moving between water bodies.
The Perpendicular Razorback Loop features a steep hike up a historic trail to the summit of Mansell Mountain. This loop is on the west side or "quiet side" of the island so offers a hike with the potential for more solitude.
Check for nearby geocaches to Acadia National Park - Perpendicular and Razorback Loop.
Leave What You Find
Leave the trail work to the pros: they will add or remove blazes, cairns (stone trail markers), structures, and trail improvements as deemed necessary.
After reaching Mount Desert Island on State Route 3, stay to the right to follow State Route 102 toward the towns of Somesville and Southwest Harbor. Just after reaching Southwest Harbor, turn right on Seal Cove Road, then right on Long Pond Road to reach the south end of Long Pond where parking is available. The Long Pond Trail begins on the opposite side of the municipal water pumping station.
The Perpendicular Razorback Loop begins with a short walk (0.2 miles) along the scenic Long Pond Trail before reaching the junction of the Perpendicular Trail. Over 300 cut granite steps, a few iron rungs and a small ladder allows hikers to ascend steep slope of Mansell Mountain. There are a few views of Long Pond between the trees. Just before the trail turns away from the face there is a short, out and back, spur trail to an overlook of Beech Mountain, Long Pond and the outlying islands. The trail levels off in the woods before reaching the summit of Mansell Mountain at 949 feet. There are no views from the summit.
The site took a while before I was able to complete the test. I finally got my results and I'm "The Secret Weapon". It is fascinating and empowering. Thank you Marie for bringing @sallyhogshead to us. Her work is very, well, um, fascinating! Love it!
Those truths are such an important "wiring" we need to remember grow . I don't think I know for sure those traits deep enough , to discover truthfully mine. I can' t know how others see me! I tried to take the test 1/2 h ago, I also put a password, but the page fell with a"database error" , 5 times.( Is there a way to take the test?) I am a 2 month new subscriber, I can't keep myself from saying, Marie , that I absolutely love your spirit of "non- seriousness" . Never-ever would a real intelligent person doubt sth like that, or your credibility because of that – in fact ,it is a kind of a higher wisdom. Βut deep down ,- I don't think Marie ever doubts it ! " If we get down to it, I have the life I have right now , because Ι am willing to look stupid!" It was so exhilarating to hear this ! ( was in a recent QATuesday, remember?) "Highest is this , that nothing can be against it, this in which the lowest,is the highest " " All the effort of human spirit, need to occupy with those fields, to amplify that simplicity where the opposites connect" says Nicolas Kouzinos ( see chapter IX in 'Rosarium' from Carl G.Jung) –envisioning , I believe -a very urgent modern need . It is no wonder to me , that great people mentors resonate with conscious or genuine "silly-like", it's a really unique trait that's how I am captured here I love it for that reason :-*
I missed the offer to take the test but my guess is that the world sees me as playful and nurturing. My husband always tells me and others that I'm great with people, people love me. It must be because I love people! I care that each person feel valued and cared for.
Great vid, thanks so much Marie!
Hmmmm… so I'm a CONNOISSEUR (no wonder people always call me to find out how to do things!) – I manage to keep scads of "useless" information that so often comes up to help others so will definitely be using that aspect of moi!
THIS. VIDEO. IS. AWESOME! Thank you so much for this! I think my strength is playfulness and humor as well! People always tell me I'm a lot of fun to be with , while others think I'm not serious or "grown-up" enough. It used to bother me… until now! Now I realize it is my gift and should be celebrated and the people who don't resonate with it are not my tribe anyway! I LOVE the analogy with the pistachio ice cream! Lick-a-licious, baby! 🙂
I want to take the assesment sooooo much! I logged on earlier this morning and got halfway through and then it crashed. Now I'm trying to log on again and it doesn't recognize my password and says my invite code is invalid. Please HELP! Thank you!


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Match Day - £40pp
Aspers Casino Westfield Stratford City
Wednesday, 23 May 2018 from 17:00 to 22:00
Event Details
Situated right next to Olympic Stadium, Aspers Stratford is the ideal location to enjoy some pre-match festivities before heading to a West Ham match, Rugby game or any other event.
Warm up for the big game with some drinks and a delicious meal from Clary's restaurant. Then enjoy the excitement of the Casino with a £5 Free Bet.
Combine the buzz of match day with the thrill of London's only Super Casino for an unforgettable experience.
Minimum of 2 people per booking
Each Person Receives
- Main meal from regular menu
- 2 drinks from the restaurant and 1 drink for after the match
- 1 x £5 Free Bet on blackjack, slot machines or roulette
- Optional free learn to play session on Blackjack or Roulette
Bolt on options:
- Sky Bar Drink & Bet - £10: Add 2 x £5 Free Bets and a standard drink in the Sky Bar*
- Sky Bar Cocktail & Bet - £14: Add 2 x £5 Free Bets and a cocktail in the Sky Bar*
*Two £5 Free Bets and drink or cocktail per person.
When & Where
Aspers Casino
312 Montfichet Rd
E20 1ET Olympic Park
United Kingdom
Wednesday, 23 May 2018 from 17:00 to 22:00
Add to my calendar
Aspers Casino Westfield Stratford City
Whether you're a gaming beginner or a professional, you can be sure of a warm and friendly welcome 24/7 at Aspers. Come and discover:
- More games than any other casino in the UK
- Our elegant restaurant - and a kitchen that never sleeps
- A choice of stylish, elegant and vibrant wine bars

subset: commoncrawl


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We give sharp, insightful comments on issues affecting the Cypriot property market. No nonsense reflection of current events and market trends as well as news on property tax and general legalization changes in Cyprus.
With everything from the status of road work in Paphos to the opening of new shops and general economic news – you will find Cyprus lifestyle news a good read.
When it comes to social media we really do prefer twitter. We try to make our tweets not just a list of what we have for sale, but more a reflection of Cyprus life with a fun and sometimes ironic twist. FOLLOW US NOW!
Aristo Developers have announced that on the 21st of December 2015 the Supreme Court of Cyprus awarded the tender for development of the long awaited project on the Paphos Marina to the joint venture POSEIDON GRAND MARINA.
+357 26102242


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Fisher Cats breeze on Opening NightBy KEVIN GRAY
New Hampshire Union Leader
April 04. 2013 11:40PM
MANCHESTER - John Tolisano and Ryan Schimpf each homered onto the train tracks beyond right field, and the Fisher Cats opened the 2013 season by thrashing Reading, 9-0, before a crowd of 6,224 on Thursday night.
Fisher Cats right-hander Austin Bibens-Dirkx, a farmhand for Colorado and Washington last season, worked six innings and allowed three hits to notch the victory in his Eastern League debut. Clint Everts pitched a pair of scoreless innings, and Trystan Magnuson put another zero on the scoreboard in the ninth.
Nashua native Kevin Nolan enjoyed a homecoming at Northeast Delta Dental Stadium, going 1-for-3 and driving in the first run of the season with a wall-ball liner in the second inning.
You know it's an excellent night when the No. 9 hitter (Tolisano) homers, and the team combines for six two-out RBIs. Reading starter David Buchanan, chased in the fifth, was tagged for six earned run in the loss.
"It may have been my most relaxing opening day game," manager Gary Allenson said.
Kenny Wilson went 3-for-5, and Schimpf homered in the sixth inning to give the Fisher Cats an 8-0 lead. Bibens-Dirkx fanned six and issued two walks, coasting through six frames. The 27-year-old picked up his 32nd career win.
The Fisher Cats jumped on Buchanan early, scoring four runs in the second inning. Clint Robinson doubled and eventually scored on Nolan's liner to right field. The Nashua South graduate also walked and struck out in his first Double-A game.
"It was a good night. We knew coming into the season we had a solid lineup, one through nine, and good pitching," said Nolan, who received the loudest cheers during pregame introductions. "It was nice being back home and out there playing."


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The Cortez Journal encourages people to submit announcements about upcoming events for the Community Calendar. Send announcements to firstname.lastname@example.com. Items submitted at least two weeks in advance will have a better chance of getting published; items submitted several days before the event might not get published. For more information, call the Journal at 565-8527.
M-CHS Theater Department to perform 'Macbeth'
The Montezuma-Cortez High School Theater Department proudly presents Shakespeare's "Macbeth" at a 1 p.m. matinee, and at 7 p.m. on Saturday, Feb. 2. The show at the high school auditorium will be performed in the style of film noir, classic black-and-white gangster movies of the 1940s. The language will remain Shakespearean, but the look is entirely black and white with lots of shadows, fog, and tommy-guns. The story follows a man who is foretold that he will become king. But when he decides to take matters into his own hands by killing the present king, his whole world begins to fall apart. Tickets will be $8 for adults, $5 for students and seniors, and kids under 5 are free. Visit us online at www.mchsdrama.org or call 565-3722 ext 2198 for reservations.
Doctor Robert, Beatles Tribute band plays Dolores
Doctor Robert, the Beatles tribute band from Crested Butte, Colo., will perform a show on Saturday, Feb. 2, from 8:30 to 11:30 p.m. at the Dolores River Brewery, 100 N. 4th St., Dolores. Doctor Robert is a new generation of Beatles tribute bands with a commitment to the accurate reproduction of over 100 songs of The Beatles' repertoire. Doctor Robert redefines the concept of a Beatles tribute band, playing extended sets of music ranging from "Please Please Me" to "Abbey Road." Their high-energy shows are full of Beatles magic, as the band loves the challenge of re-creating even the most demanding musical compositions live onstage. Dressed in "Ed Sullivan"-style suits and mod-style dress, Doctor Robert brings playful enthusiasm and a fresh sound to the classic music and genius of the Beatles. To learn more about the band, go to www.doctorroberttribute.com.
Colo. Archaeology Society presents Irwin talk
The Hisatsinom Chapter of the Colorado Archaeology Society will present a talk by Don Irwin on Tuesday, Feb. 5, at 7 p.m. at the First Methodist Church, 515 N. Park St., Cortez, to discuss the Pueblo I period Ancestral Puebloan occupation of the Abajo Uplands, Monticello Ranger District, Manti-La Sal National Forest in SE Utah. After 40 years of archaeological investigations, the Forest remains a gray spot on most peoples' map. This talk summarizes and, where possible, interprets the Forest PI occupation in light of the last decade of work conducted on the District. Donald Irwin has served as the District Heritage Manager at the Moab-Monticello Ranger District of the Manti-La Sal National Forest for the past 11 years. In his current position, Don manages the cultural resource program that covers over 500,000 acres in the Abajo and La Sal Mountains areas on lands administered by the USDA Forest Service. For more information, call Diane McBride at 560-1643.
'What Color Is That Horse' equine genetics presentation
Everyone is welcome to a public presentation by Ann Streett-Joslin, "What Color Is That Horse?" at the Mesa Verde Back Country Horsemen meeting on Tuesday, Feb. 5, at the Elks Lodge, 2100 N. Dolores Rd., in Cortez. Arrive for dinner at 6:15 p.m. for buy your own Taco Tuesday; the presentation will start at 7 p.m. Ann Streett-Joslin, a Certified Horsemanship Association Master Instructor, will present the basics of Equine Color Genetics and review common dilution genes and the white spotting genes. Along with black, bay, and sorrel, these genes account for most of the familiar colors, including palomino, dun, and tobiano, seen in our horses. For more information, visit www.mesaverdehorsemen.com, or contact Nihla McCabe at 570-5036 or email@example.com.
New knitting classes at Cultural Center
For those that want to learn to knit, or to advance and learn new ideas, the Cortez Cultural Center, 25 N. Market St., will offer knitting classes upstairs starting on Tuesday, Feb. 5, from 2 to 4 p.m. Bring your own needles and yarn. The fee is $5 for members, $10 for non-members. Pre-register by calling 565-1151. For details contact Karen Davis at 882-1430. All skill levels - from beginners to experts - are welcome. Frequency of classes will be determined.
Intro to Meditation & Christian Mysticism
The Center of Light in Dolores will offer an Intro to Meditation & Christian Mysticism on Thursdays at 7 p.m., beginning on Thursday, Feb. 7, at the Sophia Peace Center, 19581 Road 31. In Dolores turn left on 11th, go 1.8 miles, and look for the large sign with the dove on the left. This is a powerful six-week introductory course designed for modern mystics. Classes will include teachings on: the Inner Spiritual Path, Meditation, Soul, Light, Prayer, and Blessing. Time will be spent teaching the principles of meditation that will allow you to move deeper than the body, beyond thinking and emotions and into the reality of God's peace and presence within. This course is free, and all are welcome. To RSVP or for more information, contact Deacon Crystal Kaems or Deacon Bridget Wyatt at 882-2123.
Fears & Phobias presentation
So you love public speaking, job interviews and test taking? In case you really don't, you can attend Jim Mischke's presentation of Fear & Phobias at the Cortez Cultural Center, 25 N. Market St., Thursday, Feb. 7 at 7 p.m. Jim Mischke, our talented veteran therapist will show you how to face such moments in your life calmly and with more confidence. Admission for members is $3, non-members is $5, and for students, a donation. For more information, call 565-1151.
SWMH Foundation Jewelry Sale Fundraiser
The Southwest Memorial Hospital Foundation will hold a jewelry sale to raise funds for their healthcare education scholarship program on Friday, Feb. 8 from noon to 6 p.m. in the hospital lobby, 1311 N. Mildred Road in Cortez. Vintage and gently used good-quality costume jewelry that has been donated by community members will be available for sale. Don't miss this opportunity to support the SWMH Foundation by buying a Valentine's Day gift or something nice for yourself. Donations for this event are still being accepted. Contact Susan Thomas at 739-3158 for more information about the sale or to donate jewelry.
Family Winter Walk at Hawkins Preserve
Join friends and family for a beautiful winter walk through the Hawkins Preserve from 10 a.m. to noon on Saturday, Feb. 9. Reservations must be made by calling Gabi at 385-1256. Meet in the preserve parking lot at the end of South Cedar. Dress appropriately.
Incredible Years parenting classes
The Pinon Project will offer a series of free parenting classes beginning Tuesday, Feb. 12, and lasting 14 weeks. The Incredible Years is a curriculum targeting parents of children 2 to 8 years of age and is proven effective. If you are looking for more effective ways to discipline and want to build a more positive relationship with your child, this is the program for you. Classes will be held from 5:30 to 8 p.m. at the Pinon Project, 300 N. Elm St. Dinner and childcare are provided. To register, please contact Lara Blair at 564-1195. Space is limited, so sign up soon.
'Giving Up Something Bad for Lent' series of classes
Rev. Suzanne Listemann will present a special Lenten Season class in the conference room at the Cortez First United Methodist Church, 515 N. Park St., Cortez, beginning on Friday, Feb. 15 at 10 a.m. and meeting each Friday at 10 a.m. for the following six weeks. "Giving Up Something Bad for Lent" is another way of thinking about engaging in a traditional act of sacrifice and spiritual discipline. We normally give up something we like to eat like chocolate, knowing that when Easter Sunday comes we can once again enjoy what we have given up. In this study, we are challenged to take it further. Why not give up something that is destructive in our lives? Imagine giving up envy, jealousy, self-pity, apathy, procrastination, gossip, resentment, negative thinking - and how much better your life would be. Take the 46 days of Lent to prepare to give up something bad while preparing to fully embrace the "Good News" of Easter. The public is invited to attend. For more information, please call Remetha Gustafson at 565-3001.
Colorado Poet Laureate offers reading, poetry workshop
David Mason, Colorado's esteemed Poet Laureate, is coming to the Cortez Public Library for a reading on Friday, Feb. 15 at 7 p.m. and a workshop at 10 a.m. on Saturday, Feb. 16. The workshop, "Where Do Poems Come From?" will explore the sources of imagery with which poems are built. Both events are open to all who are interested in enjoying the art of poetry. Please don't miss this opportunity to listen to and learn from a renowned and celebrated poet.
Legislative Low Down with Sen. Roberts, Rep. Coram
On Saturday, Feb. 16, the League of Women Voters will sponsor a Legislative Low Down in Cortez with State Senator Ellen Roberts of Durango and State Representative Don Coram of Montrose. The program will be at 10 a.m. in the Calvin Denton Room at Empire Electric, 801 N. Broadway. These legislators, whose districts include Montezuma County, will discuss the issues expected to come before the Legislature this year. The event is open to the public. For more information, contact Betty Janes at email@example.com or 533-1051.
Animal Tracks and Signs at Mesa Verde National Park
Learn how to discover what animals are out and about during the winter months at Mesa Verde National Park. On Saturday, Feb. 16, from 9 a.m. to noon, hikers will learn how to look for and identify animal tracks and signs, and then explore the hillsides around Morefield Campground. Past animal tracks observed in the area include weasels, rabbits, mountain lions, mice, and coyotes. Limited to 20 people, ages 7 to adult. Meet at the Morefield Village parking lot at Morefield Campground, 4 miles from the park entrance. Snowshoes are provided for those that need them. There is no fee for this hike. Call 529-4631 for reservations.
St. Barnabas' conversation on faith
"How does my belief/practice form my life?" will be the topic on Tuesday, Feb. 19 at 6:30 p.m. for the next "How You Can Be Part of a Christian Community with Integrity and Not Believe All Those Things You Thought You Had to Believe" conversation. St. Barnabas Church at the corner of North and Elm, hosts these gatherings for folks who can't reconcile their life experience with what they believe the church requires; who don't want to check their minds at a church door; or who just don't want to live in a world they think the Christian church espouses but who might value being part of a community of faith. Questions are required. No answers are promised. Call 565-7865 for more information.
Soups of the World fundraiser for Bridge Shelter
Grace's Kitchen and St. Barnabas Episcopal Church offer the sixth annual Soups of the World and live dessert auction on Friday, Feb. 22 from 5 to 7 p.m. This event supports the Bridge Emergency Shelter. Delicious soups from various regions of the world will be served at Grace's Kitchen at 110 West North St. in Cortez. Tickets are $10; kids 5 and under are free. Tickets will be available at the door as well as from various agencies in the community. There will be a live dessert auction beginning about 6 p.m. with Larry Don Suckla serving as auctioneer. Those that wish to contribute something for auction should bring homemade desserts to St. Barnabas between 1 and 5 p.m. on the day of the event. Contact Kristen or Christy at the shelter at 565-9808 or Betsy Jones at 565-7865 for more information. Join us for this fun soup supper and dessert auction!
Classical Gas performs Cortez concert
Southwest Colorado Concerts presents Classical Gas, a concert with piano, violin and a whole lot of fun, on Thursday, March 7 at 7 p.m. in the Montezuma-Cortez High School auditorium. Pianist Rich Ridenour teams up with violinist/comedian Steve Brook for a show that is a little bit Jack Benny and a little bit Victor Borge as they perform classics fueled by their own imaginations. The program for the evening includes such great classics as "At the Old Ballgame," Beethoven's "Fifth Symphony" and "11 Finger Rag" by Dykstra. Tickets will be on sale at the door beginning at 6:30 p.m.; single-concert tickets are $20 for adults and $5 for youth, 18 years-old and under. For more information, contact Paul Bostrom at 565-9127.
'Play It Safe' presentation on consumer fraud, financial abuse
AARP ElderWatch in conjunction with Montezuma County Senior Center will offer "Play It Safe," a presentation featuring Bob Mager of AARP ElderWatch. This interactive presentation will instruct on how to protect yourself and your loved ones from consumer fraud and financial abuse. Join us at 1 p.m. on Friday, March 22 at 107 N. Chestnut in Cortez. For more information, contact Marsha Green at 564-2775.


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Jeanne Shaheen and Ted Gatsas: Jobs Corps will be good for New Hampshire's young peopleJEANNE SHAHEEN and TED GATSAS
May 08. 2013 11:03PM
After a decade-long, bipartisan effort in New Hampshire, the Department of Labor is finally poised to begin construction on a new Job Corps center in Manchester. This is a welcome development that will dramatically change the life course of the hundreds of economically disadvantaged young adults who will receive critical education and career training opportunities. An investment in our young people is an investment in New Hampshire's future, and by all accounts that is great news.
In the last decade, the unemployment rate for young people has been steadily climbing both nationally and in New Hampshire. Last year, more than 14 percent of New Hampshire youth ages 16 to 24 were unemployed - nearly triple the rate for adult workers in the state. The prospects for young workers without a high school diploma are even more troubling, as the median income for workers in Manchester with less than a high school education is barely above $20,000.
Employment data are not just about numbers; these are real stories with human faces. We must provide vulnerable student populations with the tools to succeed and become skilled and productive members of the workforce. With the Manchester School of Technology coming on-line this past fall, we are seeing alternative education fully engage students to focus on their studies and careers. New Hampshire's Job Corps center will provide another option for students from Manchester and throughout the state who have struggled in traditional learning environments and may otherwise drop out.
Bringing Job Corps to New Hampshire is a hand up, not a handout. The typical student enters the program without any work experience or qualifications, but after one year of Job Corps training, 72 percent of participants are employed or enrolled in school, according to Labor Department data. Helping these individuals obtain a diploma or equivalency will increase their median earnings by more than 30 percent, lifting them out of poverty and into rewarding, in-demand careers. Successful Job Corps graduates will be self-sufficient contributors to our communities and economy who will no longer need to draw on public services. That is hardly a controversial aim.
While some Job Corps centers have underperformed, the Manchester center has groomed itself for success. The Manchester School District will be competing to operate the Job Corps center in what could become an innovative, first-in-the nation partnership. Students at the Manchester campus will also gain a practical, real-world education with on-the-job training opportunities, which will give them a foothold in growing industries such as health care, homeland security and advanced manufacturing. Our economy is demanding a skilled workforce, and with the Manchester Jobs Corps center, New Hampshire will be suited to meet that demand.
Forty eight other states already have Job Corps centers. Thanks to the foresight of a diverse group of leaders from the government, business and nonprofit sectors, New Hampshire will soon join their ranks. With youth unemployment at its highest levels since World War II, we cannot complete construction and begin serving students at Manchester Job Corps center soon enough.
Jeanne Shaheen is a Democratic U.S. senator from New Hampshire. Ted Gatsas, a Republican, is mayor of Manchester.


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Although psychologists typically need a doctoral degree in psychology, a master's degree may be sufficient for school and industrial organizational positions. Psychologists in clinical practice need a license.
Most clinical, counseling, and research psychologists need a doctoral degree. Students can complete a Ph.D. in psychology or a Doctor of Psychology (Psy.D.) degree. A Ph.D. in psychology is a research degree that is obtained after taking a comprehensive exam and writing a dissertation based on original research. Ph.D. programs typically include courses on statistics and experimental procedures. The Psy.D. is a clinical degree often based on practical work and examinations rather than a dissertation. In clinical, counseling, school, or health service settings, students usually complete a 1-year internship as part of the doctoral program.
School psychologists need an advanced degree and either certification or licensure to work. Common advanced degrees include education specialist degrees (Ed.S.) and doctoral degrees (Ph.D. or Psy.D.). School psychologist programs include coursework in education and psychology because their work addresses both education and mental health components of students' development.
Industrial–organizational psychologists typically need a master's degree, usually including courses in industrial–organizational psychology, statistics, and research design.
When working under the supervision of a doctoral psychologist, other master's degree graduates can also work as psychological assistants in clinical, counseling, or research settings.
In most states, practicing psychology or using the title "psychologist" requires licensure. In all states and the District of Columbia, psychologists who practice independently must be licensed where they work.
Licensing laws vary by state and by type of position. Most clinical and counseling psychologists need a doctorate in psychology, an internship, and at least 1 to 2 years of supervised professional experience. They also must pass the Examination for Professional Practice in Psychology. Information on specific state requirements can be obtained from the Association of State and Provincial Psychology Boards . In many states, licensed psychologists must complete continuing education courses to keep their licenses.
The American Board of Professional Psychology awards specialty certification in 15 areas of psychology, such as clinical health psychology, couple and family psychology, and rehabilitation psychology. The American Board of Clinical Neuropsychology offers certification in neuropsychology. Board certification can demonstrate professional expertise in a specialty area. Certification is not required for most psychologists, but some hospitals and clinics do require certification. In those cases, candidates must have a doctoral degree in psychology, a state license or certification, and any additional criteria required by the specialty field.
This forecasting tool paves the way for a more productive conversation about the need for tailored reforms that address the unique drivers of mass incarceration in each jurisdiction.
After nearly 40 years of unabated growth, the state prison population has begun to level off in some states and decline in many others. Many states have reduced prison admissions for drug possession and other less serious offenses, taking a critical first step in alleviating the harms caused by incarceration. The positive effect of these reforms on individuals, families, and communities should not be understated. These reforms have helped stem the tide of prison growth but they will not be sufficient to further cut the prison population dramatically.
If the 15 states in our forecaster make no policy changes and current trends hold constant, the prison population in those states is forecasted to decline only 2 percent by the end of 2021.
Accelerating this decline to make a real dent in mass incarceration will require us to fundamentally rethink whom we send to prison and how long they stay. For example, cutting total admissions in half for the 15 states in the forecaster (click to see this scenario) —a lofty goal—would reduce their collective prison population by 37 percent through 2021. Halving lengths of stay would cut the population by 39 percent. These scenarios include all offense types and are far beyond the scope of reforms being discussed at the state level.
Over the past few years, many states have begun to reform their laws and reduce the number of people admitted to prison for drug offenses. According to the Bureau of Justice Statistics, prison admissions for drug-related crimes declined 22 percent between 2006 and 2011.
Looking at all 15 states in the forecaster, another 15 percent reduction in drug admissions would result in a prison population that is 2 percent smaller by the end of 2021 than the projected baseline population—in other words, it would be 2 percent smaller than if we did nothing.
Cutting drug admissions in half would shrink the prison population by 7 percent, or almost 33,000 inmates, by the end of 2021. Reducing lengths of stay for drug offenses by 15 percent or 50 percent would yield similar results.
These numbers underscore the message that tackling mass incarceration will require reforms that reduce admissions or lengths of stay for other offenses. About 1 in 6 people in state prison is incarcerated for a drug conviction , and far fewer are incarcerated for low-level drug offenses, such as possession. Even if every person in state prison for a drug offense were released today, mass incarceration would persist.
States have begun reforming sentencing policies for property offenses, a category that includes burglary, theft, and fraud. But these reforms, such as raising the felony-theft threshold, affect a small number of those convicted of the least serious property offenses. Policy changes that cut admissions and lengths of stay for a wider range of property offenses therefore hold great potential for reducing mass incarceration. For example, for the states in the forecaster, sending 50 percent fewer people to prison for property offenses would have 1.5 times the impact of reducing drug admissions by the same amount.
Find State and Local Adaptation Plans The Georgetown Climate Center tracks progress states are making in implementing their adaptation plans and provides quick access to local plans in every state on their main website.
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Helpuscontinue toimprovethis important resource by responding to abrief surveyabout the AdaptationClearinghouse. The Georgetown Climate Center launched a new and improved version of ourAdaptationClearinghousein July 2016. Your feedback willhelpusknow what is working well and how we can better support the efforts of the adaptation community. .
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January 23, 2018
The City of Norfolk, Virginia adopted a new zoning ordinance to enhance flood resilience and direct new more intense development to higher ground; the ordinance was adopted onJanuary 23, 2018andbecame effective on March 1,2018. The ordinance establishes aCoastal Resilience Overlay (CRO) zone, where new development and redevelopment will have to comply with new flood resilience requirements, and an Upland Resilience Overlay (URO), designed to encourage new development in areas of the city with lower risk of flooding.
Related Organizations: City of Norfolk, Virginia
Resource Category: Law and Governance
June 2018
In 2018,Massachusetts launchedresilent MA, an online clearinghouse for local governments and the public with comprehensive information about the state's work on climate adaptation and mitigation. The clearinghouse contains science and data on expected climate changes, information on community resiliency, decision support tools, and links to grant programs and technical assistance that local government and communities can use to fund and support actionsto adapt to climate change.
Related Organizations: State of Massachusetts
Resource Category: Data and tools
June 14, 2018
The City of Boston, Massachusetts Smart Utilities Policy focuses on climate resilient infrastructure planning. A two-year pilot program, the policy incorporates five Smart Utility Technologies intoBoston's Article 80 Development Review, and Boston Planning and Development Agency (BPDA) Development Review Guidelines. The policy calls for the integration of new technologies that will prepare utility infrastructure for the impacts of climate change, including increased flood risks, heat waves and stronger storms.
Upcoming Netherlands Chapter learning events will be announced soon.
The Netherlands Chapter was created on 10th of September 2012 based upon the former Benelux Chapter which was created in June 2011. The Netherlands Chapter aims to provide a networking and knowledge-sharing platform for AML and financial crimes professionals working within the Dutch financial services arena. The international aspect of ACAMS and close cooperation with other European Chapters provide a unique opportunity to share local experience and knowledge with the international expertise of larger organisations as well as local and international public authorities. Furthermore, the Netherlands Chapter works together with several organisations and authorities, in order to bring added-value to the development of the industry, optimisation of legislation and publication of industry best practices.
The Netherlands Chapter will be a resource for financial institutions and related businesses to identify specialists in the rapidly-expanding anti-money laundering field by organising seminars of local interest to members and non-members.
Upcoming Netherlands Chapter learning events will be announced soon.
April 24, 2018
Dear ACAMS members and financial crime specialists, The Board of ACAMS NL Chapter cordially invites you to the practical seminar on New Trends in Trade-Based Money Laundering (TBML) organised in partnership with LexisNexis.
The practical seminar will address amongst others the following topics.
The seminar is designed to be interactive, and both speakers invite you to prepare your questions, suggestions and observations in advance.
February 13, 2018
The Board of ACAMS NL Chapter cordially invites you to the seminar on the 2nd Payment Services Directive implementation in the Netherlands "PSD2, from regulatory scene to practice" organised in partnership with INNOPAY.
The seminar will address amongst others the following interesting topics:
In case of any questions please contact email@example.com .
November 28, 2017
The seminar will address amongst others the following interesting topics:
June 22, 2017
The seminar"Modern ways of KYC" was hosted by the ACAMS NL Chapter and organised in partnership with Mollie on Thursday June 22.
Here are some of the highlights and key takeaways of the event.
Remco Boer from Mollie started the seminar with a presentation about Mollie's experiment with Machine Learning in Customer Due Diligence. Mollie is an European online payment provider and a technology driven company that is continuously looking at quicker and more secure ways to do payments. To keep up with the company development and remain a sustainable business, it is necessary to automate the CDD in order to reject unwanted merchants at an early stage and keep the process efficient. Mollie started an experiment to automate the entire CDD process for 95% of applications.
What is machine learning? It is a construction of algorithms that gives computers the ability to learn without being explicitly programmed, i.e. the ability to learn by itself. Based on what it has learned, it can predict, classify or make decisions. There are various models of a 'black box', Mollie chose to work with one so called Random Forrest.
The model takes the data considered important. It is a human decision, which can be biased, on what is important data and how to grade it. It takes all inputted features and produces a decision tree. It is important to understand that the model works with the data you put in, therefore the outcome is greatly dependant on the source data (e.g. UBO information, country, age). And it is essential to understand effects of your decisions and the consequences, therefore it is important to have a proper audit trial. During its test case Mollie has learned that it is too early to use these models for CDD purposes, because outcomes can be biased.
As a tip for the industry Mollie advises to stay abreast of technology developments, whereby other form of supervision is marching in: reading and understanding algorithms, statistical outcomes instead of policy documents. Where a combination of domain knowledge developers with technical knowledge compliance officers is paramount.
The next part of the seminar was presented by Dennis Martens who is working for Synechron , a digital, business consulting technology services firm.
What is blockchain and how does it work? Blockchain is a technology that facilitates exchange of value between the participants of a network.
Blockchain greatest example is bitcoin. Transactions are recorded in a shared distributed ledger by parties directly, that excludes intermediaries (any third party) services. Parties use smart contracts where they can block/ de-block each other, there are agreed rules of game. We can trust each other. The system works in such a way to create a chain of blocks which are transparent to all parties involved.
After the basic introduction on Blockchain functionality the next part of the presentation covered how KYC and AML can benefit from Blockchain. Conclusion is that Blockchain can bring a number of benefits to KYC and AML (from cost reduction to reduced risk) however Blockchain can also possibly facilitate Money Laundering when the set up stimulates anonymity. There is still a long way to use blockchain for KYC purposes.
Joachim von Hänisch finished the seminar with a presentation on the SWIFT KYC Registry for correspondent banks. After a short explanation on De-risking and the un-intended consequences that could ultimately lead to less transparency, the link was made with the SWIFT KYC Registry functionality as a community-inspired financial crime compliance solution. Some basic highlights of the registry that were covered in the next part of the presentation concerned:
This seminar with a more technical perspective received overall positive feedback. The audience found it very interesting to see these new developments in the market that could facilitate future compliance. ACAMS Netherlands Chapter is grateful to the speakers, the sponsor Mollie and participants for a highly informative seminar.
The next event in the autumn will be on AMLD 4 implementation and best practices at KPMG HQ, on November 28.
May 23, 2017
On the 23rd of May 2017, the ACAMS Netherlands Chapter in partnership with Deloitte, hosted a seminar on "Transaction Monitoring".
Considering all the discussions around the DNB guidance document, which was published just a few days prior to the seminar, the timing of the seminar could not have been better and this was reflected into the number of participants, a record of 90!
Here are some of the highlights and key takeaways of the event.
Maarten Ligthart from DNB
Maarten Kicked off with a basic question, What is transaction monitoring (TM) all about? There are lots of misunderstandings about the definition of TM but it comes down to (i) continues monitoring – (post event) and (ii) interaction between client and transaction risk profile. After the legal framework Maarten continued with the approach and main results of the DNB thematic review. The need to ensure that the outcomes of the SIRA are translated into TM policies and procedures was explained. Furthermore it was stated that adequate TM process requires adequate governance which is something that a lot of banks struggle with. After a detailed explanation of the maturity model that was used the main outcome of the review was discussed. After sharing some practices and some insights into the setting of business principles the final topic was the approach going forward which amongst others covered next steps with regard to the upcoming guidance. Final version of the guidance will be available end of June / beginning of July.
Richard Bakkers Martin van Tienhoven from Deloitte
As an introduction Richard explained the position of TM within the overall control framework. After briefly touching upon the changing regulatory expectations, some attributes of a robust monitoring program and some common pitfalls were shared. A generic pitfall that was again mentioned concerned the alignment with SIRA. The next part of the presentation concerned advise from Deloitte on designing and managing a Transaction Monitoring Program. The important connection between SIRA and the Transaction Monitoring Scenario management and ultimately final TM operations including Alert Handling were discussed in detail.
The presentation continued with further insights into Backtesting and Trend Analysis. As indicated by Martin, to obtain and maintain an effective and efficient monitoring solution, a continuous evaluation is required. The tools used to perform this analysis are collectively called 'backtesting'. During backtesting the effectiveness and efficiency of scenarios are assessed. In parallel, trend analyses are performed to assess the effectiveness of the transaction monitoring program at a higher level. Trend analyses use both internal alert information, as well as external information such as feedback from the FIU.
The final part of the presentation covered key takeaways
Mark Hanhart from ABN AMRO
After a short introduction that covered the main reasons for having the desire to improve within the TM area, Mark very openly shared the basic details of the Connecting the Chain (CtC) project within ABN. Starting with the change in standards, Mark quickly connected this with a detailed explanation of improvements through Connecting the Chain. One of the main improvements concerned the Refined Risk Based Approach and alignment of monitoring design with SIRA as well as First and Second Line Monitoring processes. For some the most interesting part of the presentation was the part that covered Advanced Analytics.
Feedback from the audience after the seminar has been very positive overall and the ACAMS Netherlands Chapter is grateful to the speakers, the sponsor Deloitte and participants for a highly informative seminar.
March 21, 2017
On Tuesday 21 March 2017, the ACAMS Netherlands Chapter hosted a Seminar on "".
There were no empty seats when ING hosted the ACAMS Netherlands Chapter seminar about terrorist finance in the Netherlands. Around 70 professionals gathered to listen to three very interesting speakers, all with different background and experience but with extensive knowledge and insight of the topic of the day.
Here are some of the highlights and key takeaways of the event.
At the start of the presentation of Leonard de Jager (ING Senior Legal Counsel) reference was made to recent initiatives by the competent authorities to increase the opportunities for the public and private sector to work together on combating of terrorist financing . A recent degree of the Minister of Security and Justice was also covered and it was recognized that banks may have information that enables the detection of TF and therefore the mapping of jihadist networks. Selected banks may therefore receive confidential police data in order to recognize risk transactions and improve the quality of their reports of unusual transactions. After some further information was shared on national terrorist lists and attempts by the EU to improve coordination and sharing of these lists, Leonard finalized his presentation by covering some of the existing and future real risks of virtual currencies.
The second presentation was presented by an employee of the Dutch FIU and covered the Dutch experience in fighting Foreign Terrorist Fighters (FTFs) . The cooperation between the FIU and the reporting entities was also discussed in depth and details on the objectives of the "TF Platform" (NVB, the Dutch banking association, and FIU-NL) were shared as part of the enhanced Co-operation with reporting entities. Detailed and useful information was also shared on patterns and trends that can be identified with regard to the way FTFs operate. This covered Lone actors and firearms (including ordering your AK 47 by post!) but also for example new trends on returning western FTFs.
The final speaker of the day was Grahame White (Director of Analysis International) and this part of the seminar zoomed in on Terrorist threat in the Netherlands . By focusing on the Dutch component the audience was presented with a rather unique and very focused description of the risk of terrorist financing. An explanation was given on the routes that are taken by Dutch foreign fighters to reach Syria but also on the way these fighters are recruited. By showing how close the Netherlands has been to a potential terrorist attack, by asking the audience to vote for the likelihood of an attack in the Netherlands and by showing very shocking videos of some of the recent attacks in the surrounding countries, Grahame succeeded in his attempt to raise further awareness on this topic.
Feedback from the audience after the seminar has been very positive overall and the ACAMS Netherlands Chapter is grateful to the speakers, the sponsor ING and participants for a highly informative seminar.
Board of the ACAMS Netherlands Chapter, April 2017
October 25, 2016
The seminar addressed the latest (international) developments in the field of sanctions, what these developments mean for financial institutions, and its potential impact on risk management and AML/CFT policies based on case study examples.
14 June 2016
This seminar focused on Sanctions, addressed by three renowned speakers. Especially in today's world and (terrorist) developments, sanctions seem to be at core of legal and compliance practices.
Mr. Simon Dilloway, Principal of Lopham Consultancy Ltd, gave us a flavor of why clients need to be screened on sanctions from an UN perspective. Especially sanctions on entities and individuals form daily practice and were most related to our seminar's audience. The EU automatically enshrines UN sanctions into EC law. Apart from internal and external 'name and shame' reports, individuals can be sent to prison, the most severe form of punishment. Arms/natural resource embargoes are the most common types of UN sanctions. Travel bans focus on individuals, while asset freezes are more complex, due to legal context. Furthermore, Simon elaborated on panel of experts created by and for the duration of the respective UN resolutions, envisaging a balanced approach towards a worldwide focus on effectiveness of resolutions. Regarding future of sanctions, there are some challenges to take into account: apart from corruption and political issues (stability), the major one seems to be the lack of understanding and/or capacity to deal with the freezing of non-terrorist assets, as this would depend on local legislation, which could limit implementation measures.
Whereas Simon gave us some Syria examples, Mr. Zia Ullah (Partner with Eversheds Financial Services, Disputes and Investigations group, specialising in International Sanctions, AML and ABC) elaborated on Iran and JCPOA. The Joint Comprehensive Plan of Action (JCPOA) known commonly as the Iran deal, is an international agreement on the nuclear program of Iran reached in Vienna on 14 July 2015 between Iran, the P5+1 (the five permanent members of the United Nations Security Council—China, France, Russia, United Kingdom, United States—plus Germany), and the European Union. The agreement provides that in return for verifiably abiding by its commitments, Iran will receive relief from U.S., European Union, and United Nations Security Council nuclear-related sanctions. Important for us in the EU, is to be aware of the key EU principles regarding ownership and control, when looking at sanctioned entities. The property, and interests in property, of entities directly or indirectly owned 50% or more in the aggregate by one or more blocked persons are considered blocked regardless of whether such entities appear on the OFAC SDN List or the annex to an Executive Order. "Indirect" ownership – refers to one or more blocked persons' ownership of shares in an entity through another entity or entities that are 50% or more owned in the aggregate by the blocked person. US persons are advised to act with caution when considering a transaction with a non-blocked entity in which one or more blocked persons has a significant ownership interest that is less than 50% or, which one or more blocked persons may control by means other than a majority ownership interest. In fact, any lower percentage would justify a careful and cautious approach. Current practical challenges include Trade Finance (Letters of Credit) and Panama offshore constructions. US and Iran elections may influence the future sanctions developments. Zia concluded with some practical tips making sanctions work: start or continue to consider your internal stakeholders (employees, management) and adjust subsequent communications (policies, training and assurance), while paying attention to communication (annual reports, market info) to your external stakeholders (clients, regulators).
Mrs. Sara Douwes LL.M, CEO van Capita Asset Services (member of Capita Plc.) and Board member of Holland Quaestor, gave us an overview of the Dutch trust sector, according to her it is better to use the term Corporate Service Providers (CSP) in the near future. She briefly reflected on her sector, its importance and impacts. Compared to December 2015 :12 licenses and 7 trust offices have 'disappeared' from the market. Decrease is expected in number of trust companies in NL to continue and intensify during 2016/ 2017. While DNB's attention is now also on the trust sector (24 formal notifications provided to trust offices last year plus several fines). DNB's focus is on: Transaction Monitoring/ Fiscal integrity/ Audits. Hence, there is even more need to join and leverage efforts for this specific sector. Holland Quaestor is the trust association working on improving the quality of its 43 members and the sector. DNB's Position Paper of March of this year says trust sector should be indeed the gatekeeper, with an emphasis on risk control, adequate business integrity, risk identification and risk mitigation. DNB requires trust sector to have: insight in integrity risks; policies, procedures, and measures for risk control; evaluation of said policies, procedures and measures; three lines of defence (compliance staff, compliance officer, auditor) and reliable and qualified directors. Proposed legislative changes include: easier revocation of trust licenses; additional requirements for a controlled business conduct; authority to publish imposed penalty payments and administrative fines; ban on serving secrecy structures, which aim to conceal its UBO's; ban on serving structures in which the trust office is being kept at a distance and an integrated compliance function at each CSP. The trust sector has already started to make sure that KYC files are in order and sanction checks form an important part of a proper onboarding procedure. Ensuring strong KYC checks are in place before starting to service new clients seem to be key future aspects, including the necessary sanction checks, improving the trust sector's effective roles and responsibilities and therefore in the end, its reputation.
April 12, 2016
On Tuesday 12 April 2016, the ACAMS Netherlands Chapter together with KPMG hosted a Hot Topic Seminar on "Transactions Monitoring". Needless to say that selected topic has a great resonance in the Netherlands due to recent terrorism threads in Europe and worldwide.
About 70 professionals were present showing great demand of the seminar. Below we provide our readers with the main insights on the discussed issues.
Practical Insights
According to Maarten Ligthart (DNB) the reason why the DNB decided to perform thematic research is that previous examination revealed that financial institutions conducted insufficient run-based checks on customer transactions.
The DNB will conduct a deep dive on transactions monitoring. The execution of the examinations is planned to be conducted on the 2nd and 3rd quarter of 2016. The Best practices paper and general communication on the results of this thematic examination is planned for the end of this year.
Patrick Özer and Renske van Hooff, KPMG senior professionals, shared their experience in working closely with different institutions by providing them advice on organization of the transactions monitoring processes. They have concluded that the main issues are extensive data flows, its quality and complexity. AML Knowledge and training of employees, including knowledge of tooling for transactions monitoring remains key.
Jeroen Buunen from DVB Partners focused mainly on the practical challenges and issues that occur between financial institutions and vendors providing software solutions for transactions monitoring processes. One of the main challenges that frequently takes place is the ability for financial institutions and vendors to cooperate with each other with regards to sharing compliance and technological knowledge in order to create a solution that would be best applicable for a particular institution.
The ACAMS Netherlands Chapter is grateful to KPMG, the speakers and participants for a highly informative afternoon, practical presentations and interesting QA session.
17 November 2015
The seminar covered the following topics:
Maud Bokkerink , Examining officer AML/CTF within Dutch Central Bank (DNB) Joost Toussaint , Director within Deloitte Risk Advisory
13 October 2015
The seminar covered the following topics:
The following speakers provided new insights on PSD II:
Paul Koetsier is a Business Consultant in Capgemini's Financial Services focusing exclusively on Payments. Paul has a prime interest on all payment trends and initiatives that impact the payments industry in general in banks in particular. Within Capgemini Paul leads the Payments Expert Group and the European PSD Centre of Excellence. Matthijs Bolkenstein is a lawyer and partner at Eversheds, an international law firm. He is specialized in Financial and Banking law, and advises financial institutions on compliance related matters. Gaston Aussems is managing director at Mollie and a trusted advisor in the field of (online, SEPA, international) payments, cards, mobile and international cash management. He has a focus on innovation as well as compliance (AML/CFT)
10 17 September 2015
ACAMS NL has organised two workshops together with the FIOD and AMLC. During these workshops the FIOD and AMLC gave a presentation on what these authorities do in the AML area. During interactive sessions the participants were challenged to think like a money launderer. Some very bright ideas were created, leading to many discussions during drinks.
Some more information on the AMLC (in dutch):
In 2012 heeft de FIOD meer mogelijkheden gekregen voor het bestrijden van witwassen. Onderdeel van de bestrijding is de oprichting van het Anti Money Laundering Centre geweest. Het AMLC is het verzamelpunt van en voor partijen die betrokken zijn bij witwasbestrijding. In het Centre komen kennis, strategie, beleid, innovatie en uitvoeringsniveau bij elkaar. De FIOD heeft 'lead' genomen door het proces van de voorbereiding (Intake) van witwasonderzoeken hierin onder te brengen. Sinds september 2013 is het AMLC operationeel en sinds 23 februari 2015 gehuisvest op de locatie Utrechtseweg 297 in De Bilt.
Met het initiatief tot het oprichten van het AMLC heeft de FIOD in 2013 gekozen voor een verdere concentratie van regie, expertise en vooronderzoek op het terrein van de witwasbestrijding. Binnen het AMLC draagt de FIOD tevens de verantwoordelijkheid voor het opstellen en het uitvoeren van het Programma witwassen dat jaarlijks met het Functioneel Parket, het Landelijk Parket en de Nationale Politie wordt opgesteld.
28 April 2015
18 March 2015
30 October 2014
The following topics were covered:
19 June 2014
15 May 2014
This seminar covered the AML risks inherent to crypto (virtual) currencies, and Bitcoins in particular, and to listen to three different expert opinions on Bitcoins. The seminar was organised by the ACAMS Netherlands Chapter together with the Canadian Chapter with the sponsorship of ING Bank. The session proved to be very popular amongst ACAMS members and other invited compliance professionals, the event catering for 50 participants was sold out in no time.
As always, the speakers made the difference in the event. There were two lawyers, Dutch and Canadian, who shared their views on the legal developments in each country, and speaker from Dutch Investigative Unit of Tax Authority who shared examples of practical cases when Bitcoins were used in money-laundering or other financial crimes.
Andries Doets , lawyer at Finnius (Dutch Law firm), said that the Dutch Central Bank (DNB, the regulator) does not recognize Bitcoins being subject to current Act on Financial Supervision, and considering law volumes of Bitcoin operations in the Netherlands, sees no point in adopting any specific regulations on virtual (crypto) currency. An interesting fact is that the market is asking for clear rules, e.g. Bitonic BV, a recently formed Dutch stock-exchange for Bitcoins applied for a DNB license, saying it wants to operate in full compliance with the rules and keeps an on-going dialog with DNB. Further, the Dutch tax authorities do have an approach to taxing Bitcoins either as income or as assets. The European Central Bank however is contemplating regulations for virtual (crypto) currencies, and we might see change in regulatory approach soon.
Christine J. Duhaime , Barrister Solicitor Duhaime Law, Co-chair ACAMS Canada Chapter, shared her opinions and experience from the Canadian/ North American perspective which is different from the European in this matter, and therefore was extremely interesting to hear in one session. For example, in contrast to the Netherlands, the Bitcoin is regulated in Canada, regulation followed widespread stories that Canada was the "wild-west" of Bitcoins. After the initial success of a bitcoin cash machine located in a coffeeshop, the company-owner could not place the generated money into the local banking system due to the fact that the source of funds was not clearly established. This spelled the end for the cash machine in Canada, but the company remains operational in other parts of the world. Further, Mrs. Duhaime highlighted the legal risk of Bitcoin from a consumer perspective since there is no way to retrieve lost or stolen Bitcoins, there are no complaint procedures. There are also many risks for Bitcoins to be used for tax evasion, sanction dodging and so forth. The main advice to financial institutions is not to take shortcuts in the AML and sanction compliance programmes concerning Bitcoins and similar crypto (virtual) currencies.
Bobby McFaul , Strategic Intelligence Officer FIOD (Fiscal Information and Investigative Unit, Dutch Tax Authority), has just completed his research at Utrecht University, commissioned by the FIOD, on qualitative scenario-study into underground digital moneyflows. He explained some technical details of Bitcoins functioning, and discussed three real-live investigative cases involving Bitcoins. One case was a Bitcoin mining operation that got into the FIOD spotlight due to an excess of electricity used not common for that sort of building. Apparently, mining requires a lot of electricity capacity, and in this particular case, the electricity was stolen from neighbours. Mr. McFaul concluded that even though Bitcoin is changing the playing field, the criminal behaviour related to it is the same. Further responses of law enforcement need to be catered to the specific Bitcoin characteristics, although classic investigative measures still yield results.
He ended by saying that he expects the Bitcoin never to become a mainstream payment method but will continue to provide a tool for financial crime. Let's see what the future brings.
6 March 2014
The following topics were covered:
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Russian Neo Nazi Groups Tricking And Torturing Gay Male Teens
This is Putin's Russia.
Neo Nazis in the country have been advised by a top-ranking supremacist to create fake profiles on VK.com (a popular Russian social network) and lure in gay male teens for torture.
Spectrum Human Rights Alliance has more on the continued deterioration in Russia:
Infamous Russian ultranationalist and former skin head, Maxim Martsinkevich, known under the nickname "Cleaver" (or "Tesak" in Russian) spearheaded a country wide campaign against LGBT teens using a popular social network VK.com to lure unsuspected victims through personal ads. Mr. Martsinkevich's numerous and enthusiastic followers started two projects: "Occupy Pedophilyaj" and "Occupy Gerontilyaj". Allegedly they are trying to identify and report pedophiles using these "movements".
In reality, over 500 online groups have been created inside VK.com social network in order to organize illegal militant groups in every Russian city. Oddly enough their idea of fighting pedophiles targets exclusively male teenagers who respond to the same-sex personal ads and show up for a date. Captured victims are bullied and often tortured while being recorded on video. These self-proclaimed "crime fighters" perform their actions under the broad day light, often outside and clearly visible to general public that indifferently passes by or even commend them. Video recordings of bullying and tortures are freely distributed on the Internet in order to out LGBT teens to their respective schools, parents and friends. Many victims were driven to suicides, the rest are deeply traumatized. So far Russian police took no action against these "movements" even though Russian criminal code was clearly violated and despite numerous complaints from parents, victims and LGBT activists. Social network VK.com intermittently shuts down selected groups and profiles only to allow them to be re-open on the next day. Currently, the founder of VK.com, Pavel Durov, resides in the US and so far has not released any comments.
One particular torture was recorded by the neo nazis as proof that they had captured a "pedophile" under "Putin's Crackdown." Warning: it's graphic and disturbing due to the teen being "bullied, tortured, and sprayed with urine in broad daylight."
dear ladies and gentleman.
i like to ask you, if you like to visit and share this page:
there are a few people who have compassion for this boy. we're try to find him. and maybe we can help him.
thank you very much.
It's awful, it's a shame for me to be russian, to see all this shit, to se how neonazi treating gays and the other russians keep silent and don''t t think thats need to be stopped, Russian are very conformistic people. They don't want to talk things which other people will not like, If u'll try to say "I;m gay" here, wild russians will laugh at you or even beat you, it's terrible((( I want to leave Russia thouth i'm straight, Because i''m childfree and atheist and liberal and tolerance and i suppose that these categories will be treated in the future...(((
This video is not everything about russian gays 'lifes. The reality is worse, much more worse
I am a married straight man and, like many people, I know the truth: HOMOPHOBES ARE HOMOSEXUALS IN DENIAL. Why else would someone invest so much energy into thinking and worrying about what other people do with their lives? They are obsessed with homosexuality. They hope that by trying to eliminate it from view that they might stop feeling their homosexual feelings. They hope that if they make a big public stance of "I hate homosexuals" then people will stop suspecting that they are gay. But many of us know the truth.... When I was young, age 10-13, most of my male friends and cousins approached me to do sex things with them. I did not respond sexually to them so nothing happened. But it did not bother me because it was a very common occurrence. I stayed good friends with them. But from around age 14, when social pressure really kicks into males to conform to be cold soldier-robots who will march off to die in a war, those male friends changed from being fun, friendly, happy boys into being very angry, hateful, miserable, cold and violent men. They became violent homophobes. They channel their repressed sexual energy into anger. Because they were rejected and maybe even punished for being gay at a younger age, because they do not have the courage to go against the herd of society, to be who they really are inside, gay. What they hate most of all are other gay people who have the courage to be who they are. So instead of coming out and being gay, they instead choose to try and imprison the other people who do have that courage. What they hate most of all is someone else who dares to have the freedom that they will not give themselves. We all know this to be true. On the other hand, truly heterosexual men do not feel any strong emotions or feelings about gay males because it is not an issue to us. We do not feel any troubling sexual attraction to them. So there is no energy to convert into irrational hatred of them. We are happy to let them be who they want to be.
I would just care to know what exactly you think would happen if we all started beating the shit out of anyone with a different lifestyle. How many humans do you think we'd have left? Yes, that includes all of you homophobes who think you're absolutely normal even though you have decided to hate people that YOU HAVEN'T EVEN MET. You guys' right hands like your penises enough, so you got a problem with other guys liking penis? Get over yourself. And also, how many women do you think are out there that like hateful asses who torture other people without hesitation? I don't. In fact, I find gay-haters repulsive. You are slimy human beings that have no right to breathe the same air as kind, sensible human beings.
Any human being with a shred of decency agrees that the government-sanctioned homophobia that's going on now in Russia now is disgusting. The hate-filled comments on this thread are deplorable. Hate ignorance and evil apparently have a stronghold on Eastern Europe. It's up to the civilized world to show we won't put up with it. BOYCOTT RUSSIA!!!
die you fucking bulgariian coward. start a war with us and you be crushed by superior technology and intellect. maybe living 8/10 months in subzero cold with your fat toothless mother and drinking vodka has damaged all your brains.
question.: what do you call a whole roomful of bulagarians?
answer: Half a brain and a full set of teeth
with hate from AMERICA
Hi, I am Russian , but I live in the US. Russia will never change, neither is anyone who is not Russian or isnt from there, will understand the inner working of the Russian government and mentality. Russian government beginning with the Soviet was always very similar to Russian criminal societies structure. Putin is Boss and it will be how he says, and if its not him, it will be someone else. You cannot undo almost 100 years of a certain mentality and structure, in just 2 decades ( i am not even talking about just The Russian mentality, which is almost 3 times as old as US). I dont approve it, i dont dissaprove it, i just understand that this is how it is and will be. (what I am talking about is the way Russia is operated, not just the Anti-Gay lawst)
To all those that start bashing a person for not agreeing with their lifestyle choice and saying that NEO-NAZIs should bash HIM or whatever, is the same as the first person commenting Do YOU like and agree with everyones lifestyle and choices?. I personally dont care about your lifestyle, I dont like it when I see 2 guys kissing, but I wouldnt ever beat you or demean you because of it. That small difference is called an intellect, culture and civility. Something that those people in the video do not have. They are what you call "BIDLA" or "Low Class Scum". Also remember this, Putin came from KGB, he is a cop at heart and that is how he runs the country. Basically he runs it similar to all the others, just on the low.
I appreciate your insight on this topic but I feel that your mindset of that is how it is and always will be is what condones this type of garbage to continue. If no one does anything but follow of course nothing will change. Also just because you say you would not beat a gay does not hide the fact that you stated you do not approve or DISAPPROVE of this action. Why would you not disapprove? It is human beings torturing other human beings. What if this was your son? Then would you disapprove of him being beaten and tortured?
Speak up Russians these bigots are making your entire country look like fools to the entire world your president is now a Joke and he is making the citizens of Russia a joke as well step up to the plate and stand up for the rights of all not just some. Don't let Putin take you back to the dark ages of ignorance and fear mongering. It is the People United than bring change fight back and victory will be yours.
Putin is a pedophile and this is his defense mechanism (remember that scene when he kissed the infants on his belly and had the need to undress his to do this?), He obviously feels that by targeting gays he is going to appear more heterosexual and away from this stigma. Leave them alone jerk they are not hurting anyone.
Putin is Hitler. It's too sad that he and his partners in crime are using LGBT people as a scapegoat for the country's problems, and this hateful insanity has a lot of followers. When Germany was having major problems in the 20's and 30's, the Jewish minority was scapegoated and persecuted. So to those neo-Nazis is Russia: what's your next step? Putting pink triangles on all or suspected LGBT people. Then locking them up in camps? Then torturing and killing them? Their only crime is wanting to live free of eugenic, filthy, genocidal scum like you guys!!!
I don't understand why that video is labeled as graphic. There's no "torture" in the video. Basically the kids put up a fake ad pretending to be an old man who agreed to have sex with the 15-year-old in the blue jacket for money. He came all the way from a suburb of Moscow to meet "Uncle Dmitri" (the fake old man's name) and the entire video is basically them teasing him about that and at the end they pour pee on him. (I speak Russian)
Of course, this whole situation could have been staged to get people thinking "Oh my God! There are old gay men trying to have sex with children in our country..."
Your an absolute idiot. Imbecile, moran, fool, degenerate, ignorant, backward tosser.
Your comments and those of you that post similar comments are nothing more than dim - witted pea beans, of whom there are no other adjectives than the similar ones I've stated to describe you.
Go read a book and join the 21st century people!
It's actually quite pathetic that people like yourself feel the need to dehumanize others - one would ask if yourself and others like you are hiding your own latent homosexuality!?
Actually if you'd do any research at all on the subject then you'd know, bigot, that psychologists have found no proof that homosexuality = pedophilia. In fact, pedophilia is in itself its own thing. Those people are attracted to CHILDREN not boys or girls. You're probably just as bad if you think you need to protect boys from child molesters and not girls. FACEBOOK/HAMORONS <- HOMOPHOBES ARE MORONS!
To an unschooled mind, there may appear to be some truth in what you say, but where and why i ask all the hatred. I think its about time you joined the rest of the world and think for yourself, instead of just mouthing off something parrot fashion from your government and less fortunate members of the uneducated public.
95% of pedophiles are men who have sex with girls. you don't seem to care about girls much. or the truth. you are the infestation - to females and gay people everywhere with your hate-filled bile, lies and ugly violence. you will the be the one to answer to god, nobody else. this video is a teenage boy, not a pedophile. you have an ugly soul.leave people be.get a life. good samaritan? hardly. I hope you get help. you need it.
really, u need an education, u do know there are 3 sexual organs the penis, and clit which are the same thing and the prostate located in every mans bum. gays are innocent pple using their sexual organs. putin is a schizophrenic god loving fool, and needs to be locked up, in the rubber rm. its sad, that u are out there hating innocent pple, and doing it while being uneducated. maybe one day you ll wake up.
For the record, you are everything that is wrong with the world. You're incapable of forming a rational thought, and you're a deeply perverted, immoral sack of shit.
You're a lousy shitstain of a human being, and you make the world a worst place and bring humanity down merely by existing. Blame "homosexual filth" for your problems all you want - in reality, the average gay is ten million times more moral and intellectually capable than you.
I hope you're just a troll, but the sad fact is, people like you exist. People who honestly believe what you say represent everything that's wrong with the human race. I'd much rather be gay then the kind of sick monster who takes delight in the mutilation and torture of vunarable young people.
Here's a hint, you morally bankrupt shit: All decent human beings react with outrage to the suggestion that a teenager deserves to be tortured merely for homosexuality.
If you had a soul or a brain you would get that. Unfortunately, it's very clear that you lack both of those things, you vacuous nonentity.
Scott Lively was just boasting about Russia's anti-gay law and how they should be a model. I really cannot understand how he can call himself a Christian. These thugs are now embolden and they are not even hiding their faces - thank you Vladimir Putin. Anybody who goes to Russia, spends any money supporting Russian products are encouraging this thugs to continue oppressing our brothers and sisters.
I'm sad to read this, and sadder that cowardly homophobes post hatefully on a gay magazine site. Wow, does it really makes you a big man to talk trash hiding anonymously behind a screen name on a gay magazine web site? My heart goes out first to the kids whose only mistake was answering a false personal ad and also to all of you haters, folding your ugly words inside your bitter mouths hoping to feel better than somebody. How's that working for you, stunted bullies?


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AG won't recuse himself from probe of voter fraud allegedly facilitated by Portsmouth senatorBy JOHN DiSTASO
Senior Political Reporter
July 24. 2013 2:42PM
CONCORD -- The state Republican Party Wednesday asked the attorney general to investigate allegations of voter fraud, charging that a Democratic state senator boarded five people at her home who worked on campaigns, voted in the state, and then quickly moved out of state.
The GOP also cited reports that Alana Biden, the niece of Vice President Joseph Biden, worked in the state last year, voted in Manchester on election day and then left the state for New York.
Democrats countered that the practice of campaign workers coming to and voting in the state and then quickly moving on works both ways. They cited two Republicans who worked on Mitt Romney's campaign who voted in the state and later left. Republicans said the examples cited by the Democrats are bogus.
State GOP chair Jennifer Horn, in a letter to Attorney General Joseph Foster, asked for an investigation of her contention that Democratic state Sen. Martha Fuller Clark, D-Portsmouth, the vice chairman of the state Democratic Party, "is aiding and abetting individuals who are undermining New Hampshire law and allowing her home address to be used as a sanctuary for voter fraud."
Clark said in a statement, "By and large, the young people who stayed with me were committed to New Hampshire, but given their age, whether they intended to stay is impossible to predict."
Horn also asked Foster to recuse himself from the probe because he formerly served with fellow Democrat Fuller Clark in the state Senate.
Foster, however, told UnionLeader.com he will not step aside.
The attorney general said in an interview, "I take conflict seriously, as I noted in my confirmation hearing, and if I didn't think I could impartially look into a matter, I would recuse myself.
"But to use as a touchstone people I served with over the years in the legislative branch would put me in a situation of having to recuse myself from a very long list of folks, including the Senate President, the Speaker, the mayor of Manchester, the mayor of Nashua and the governor," Foster said. "So I won't be recusing myself."
Regarding the Horn request, he said, "We will review it like any matter coming in from the outside world."
He also declined to speculate on "the hypothetical of what does domicile mean."
State law allows "every inhabitant of the state" who is a United States citizen, "having a single established domicile for voting purposes" to vote.
The law defines "domicile for voting purposes" as "that one place where a person, more than any other place, has established a physical presence and manifests an intent to maintain a single continuous presence for domestic, social and civil purposes relevant to participating in democratic self-government."
Deputy Secretary of State David Scanlan said that under the law, "the problem is proving a state of mind or the true intent" of the voter."
He said the issue is being addressed in a court case challenging the state's voter registration requirements and a decision may give lawmakers guidance before the beginning of the next legislative session in January.
"This is not new when it comes to domicile and establishing the intent to make New Hampshire your domicile," said Scanlan. "Some say it's kind of a state of mind."
Scanlan said some people could move to New Hampshire with the intent of staying, and then vote, "but then some event happens that forces them to change that decision and off they go.
"On the other extreme is, you have a campaign rolling through and you have someone maybe even paid by the campaign to come to New Hampshire for a day or two to work the polls and while they're here they vote even though they know they are moving on to the next state," he said. "And then there are cases in between.
"The problem is proving that state of mind or the true intent of that person's willingness to establish a domicile here," Scanlan said. "Domicile is an annual issue before the Legislature."
The Republicans produced voting records maintained by the Secretary of State's office, and available to be purchased by the political parties, first reported by WMUR television, showing eight voters at Fuller Clark's house.
Three of them are Fuller Clark, her husband and their son. Two others voted in the 2012 general election before moving on, one voted in 2012 by absentee ballot and two voted in the 2008 elections listing her home as their address.
Democratic Party spokesman Harrell Kirstein pointed out that two Rommey campaign workers, including his state campaign director, voted in New Hampshire before moving on.
The director, Phil Valenziano, listed 16 Sagamore St., Manchester, as his address when he voted in the September state primary and November general election.
He is now working on a campaign in Iowa.
But state GOP spokesman Ryan Williams said Valenziano stayed in New Hampshire for several months after the election and sought the post of state GOP executive director, showing, he said, an "intent" to stay in the state.
When Valenziano not get that job, he moved on, Williams noted.
Valenziano's "LinkedIn" page says he started with political committee of Iowa Gov. Terry Branstad in May 2013.
Kirstein cited Marian Ward, who is listed as having voted using the address of a Concord home owned by Republican activist Kerry Marsh in 2012. Also renting an apartment at that address was David Chesley, who currently works for the state GOP.
Ward managed the office of Ron Paul's New Hampshire presidential campaign until February 2012 and then remained in the state as an operative in Romney's "Liberty Coalition."
Marsh said Ward intended to stay in New Hampshire after the November election and tried to find work in politics but was unsuccessful, moving out of the state, to Arkansas, in March 2013.
In addition, the pro-Democratic group Granite State Progress cited Romney's former New Hampshire primary campaign director, Jason McBride, and Sen. Kelly Ayotte's 2010 campaign manager, Brooks Kochvar, both of whom, the group said, voted in the state after working on those respective campaigns and then left.
Biden's niece, Alana, voted last year at the 145 Steinmetz Drive, Manchester, address of the Kalik family. Dan Kalik, who voted by absentee ballot in 2012, is the political affairs director at the progressive pro-Israel advocacy group and political action committee J Street, based in Washington. She then left the state and moved to New York and is now lists herself on her "LinkedIn" profile as being in Texas.
Horn ignored Alana Biden in her complaint to Foster, focusing on Fuller Clark.
"Senator Fuller Clark knew that political workers who parachute into New Hampshire for several weeks to work on campaigns did not have the 'intent to maintain' a presence in our state," Horn wrote.
"She knew that New Hampshire was not the location that 'more than any other place' these out of state campaign workers had 'established a continuous presence for domestic, social and civil purposes.' Yet she allowed them to registered to vote at her home address so that they could support her political party and improperly influence New Hampshire elections," Horn wrote.
Horn called it "outrageous that a senior Democrat lawmaker, who also serves as Vice Chairman of the state Democrat Party, would let people use her home address to potentially break New Hampshire laws and promote voter fraud. Her behavior undermines public confidence in the integrity of our elections and raises very serious questions about the campaign tactics used by New Hampshire Democrats."
Horn called on Foster to "prosecute those who have broken the law" and asked Foster to recuse himself from the investigation because he previously served in the state Senate as a Democrat with Fuller Clark. That, she said, raises "the appearance of a conflict of interest" and is evidence that he "could not impartially investigate her."
Democratic spokesman Kirstein, noting that Chesley is a Republican State Committee staffer, asked, "How long before Jennifer Horn demands an investigation into her own political director for in her words, 'aiding and abetting individuals who are undermining New Hampshire law?'
"Even for the desperate NHGOP, these false and misleading attacks are a pathetic new low given that their own employee was engaged in the exact same behavior," Kirstein said.
GOP spokesman Williams said, "Republicans believe that people of all parties should obey the law, but only Republicans have proposed legislation to address this serious issue."