A guide for criminal lawyers

A criminal attorney is someone who specializes in handling criminal cases with implications such as arson, DUI, murder, robbery, etc. The main function of a criminal lawyer is to review the evidence and draw up an effective defense strategy. Criminal lawyers work as defense attorneys or prosecutors. A criminal defense attorney will represent the accused, advise the client on legal matters, and assist in the preparation of legal documents such as contracts, wills, etc. They can also act as public defenders in indigence cases. A criminal defense attorney with substantial experience in the field will have the ability to cross-examine prosecution witnesses to prove the client’s innocence. In extreme situations, a professional attorney can negotiate with the prosecuting attorney to impose charges and punishments equitably. A prosecutor works on behalf of the government in criminal proceedings. Whether in defense or prosecution, criminal attorneys can use government statistics and other official documents at any stage of the case. The laws governing criminal attorneys vary from state to state, but a basic code is observed throughout the United States. The criminal attorney’s office will assume the responsibility of meeting with clients, arranging court dates, conducting background checks on cases, etc.

To practice as a licensed attorney, one must pass the bar exam after completing a three-year course at a law school. In addition to educational requirements, a criminal defense attorney must possess certain qualities, such as good communication and listening skills, organizational skills, public speaking skills, the ability to handle complex criminal cases, and the ability to deal with people of all backgrounds. Since criminal cases would involve a lot of paperwork for criminal trials and proceedings, criminal attorneys must also possess writing skills. In addition, they must be excellent negotiators. The salary of a criminal lawyer will depend on the jurisdiction and the nature of the case.

Advantages and disadvantages of the American convergence between GAAP and IFRS

Over the past decade, there has been a growing demand in the corporate world for US Generally Accepted Accounting Principles (GAAP) and International Financial Reporting Standards (IFRS) to converge to form a set of universal accounting standards. . In 2002, members of the Financial Accounting Standards Board (FASB) and members of the International Accounting Standards Board (IASB) met and issued a memorandum that sets out the framework for the adoption of IFRS by financial institutions. Known as the Norwalk Agreement, the two boards agreed to make “existing financial reporting standards fully compatible as soon as possible” and to “coordinate future work programs to ensure compatibility is maintained” (Kieso, 2012, p. EP-2).

Critics against the adoption of IFRS in the United States argue that principles-based accounting standards leave too much judgment in the hands of the preparer. In other words, IFRS is open to more interpretation than rule-based GAAP and can lead companies to post misrepresentations. In addition, disadvantages include a greater ability to manipulate transactional accounting, greater variations in accounting approaches for similar transactions, and fewer rules to consider in determining how to account for a transaction (“Which is better: principles or rules?”, 2011). According to a global fraud report issued by Kroll Inc. for 2012-2013, US and European companies have a higher fraud rate (60% and 63%, respectively) compared to global averages (“Global Fraud Report”, 2013). Changing accounting standards so that they are open to further interpretation can attract more cases of internal or company fraud.

Another disadvantage of IFRS is the cost that is expected to be associated with the transition from GAAP-based standards and accounting information systems to IFRS-based accounting information systems. However, while these costs may be high, they are short term and it is expected that companies will save money in the long term. “Studies suggest that a major impact will be the cost of transitioning to IFRS. According to the research, the benefits to US investors may not outweigh the costs. In addition, due to the high standards of US GAAP, improvements in the financial information will be less. Research also suggests that these costs and benefits will vary between companies and will be difficult to track at the time of adoption” (Bolt-Lee, 2009). These costs will affect small and medium-sized companies that lack the capital and resources that large multinational companies possess. And, according to KMPG, the largest component of IFRS conversion costs is IT costs, with an estimated 50 to 70 percent of the typical costs of a conversion effort being IT related (Krell, 2009). ).

A major lag in the convergence of IFRS and GAAP remains control. In the US, the Securities and Exchange Commission (SEC) has the power when it comes to accounting standards. Although the FASB sets the standards, the SEC oversees and ensures that public companies comply with laws, practices, and act in a manner that facilitates ethical behavior and decision making. “Under the current system, the SEC attempts to ensure uniformity and consistency in financial reporting. However, regulators cannot enforce uniformity in a principles-based system” (Thompson, 2009). If the US converts, the SEC will surely lose much of its control and influence over accounting and reporting practices.

One benefit of IFRS is that the standards are based on principles, as opposed to GAAP, which is based on rule-based standards. Principle-based standards allow more freedom in how corporations can represent their financial performance (Galuszka, 2008). According to a survey of corporate executives, many of them listed IFRS and principles-based standards as “more intuitive” and “easier to use” than their GAAP counterparts.

The distinction between the two approaches lies precisely where their respective descriptions suggest: principles-based standards are based on a clear hierarchy of general principles, contain few or no provisions, and rely heavily on the exercise of judgment about what constitutes a fair presentation. ; Rule-based standards are characterized by several anti-abuse provisions and allow relatively little room for the exercise of judgment in their application. (International GAAP, 2010)

Under rules-based accounting, it is sometimes the case that a “transaction should be accounted for according to the rule even if the applied accounting is misleading” (“Which is better: principles or rules?”, 2011). Using IFRS allows a company to use its judgment to better represent financial performance and increase comparability between companies with similar transactions in different industries. “Rules-based accounting has not worked in practice. Critics argue that the current US system does not produce accurate reports. It focuses on ‘ticking the boxes’ rather than portraying an underlying economic reality” (Thompson, 2009). IFRS attempts to curb this problem through further interpretation of accounting principles.

Replacing GAAP standards with IFRS accounting standards will allow interested users of financial statements to make more informed decisions. Currently, “more than 115 countries have adopted IFRS, and the European Union now requires that all listed companies in Europe (more than 7,000 companies) use it” (Kieso, 2012, p. EP-2). Most developed countries, especially those EU members that currently practice international standards, have a higher degree of transparency and reliability in financial information. Working towards the convergence of accounting standards will facilitate international investment, as well as make it easier for users to analyze financial information if they are located in foreign regions.

The adoption of IFRS will help, in the long term, to reduce costs. Many companies such as Nike, Microsoft, IBM, and Apple have operations in several different countries and therefore must prepare several different books and accounting records under each set of standards. Additionally, users of financial statements must have knowledge of both GAAP and IFRS to fully dissect the financial information reported by multinational corporations (MNCs).

The adoption of IFRS will open the doors for companies around the world to hire new talent. According to Matthew Birney, manager of the financial reporting department responsible for International Financial Reporting Standards at United Technologies, says that some of the positive aspects of IFRS are access to a broader pool of talent (Krell, 2009). In an increasingly global economy and workforce, hiring may no longer be limited to hiring new applicants within country borders.

As the world continues to shrink and business becomes more global, a universal set of accounting standards is desired to help harmonize global accounting practices. The benefits of increasing understanding and creating a set of accounting standards will help facilitate the flow of assets and increase investment abroad. Adopting a principles-based accounting approach will allow preparers of financial information to more accurately represent financial performance in relation to the company’s operations. As global business environments improve, it is inevitable that a set of accounting standards will be needed.


Bolt-Lee, C. & Smith, L. (2009, Nov 1). IFRS Research Highlights. Accessed September 20, 2014.

Galuszka, P. (2008-08-28). Pros and cons of IFRS. Accessed September 18, 2014.

International GAAP. (2010, January 1). Retrieved September 18, 2014 from http://www.wiley.com/WileyCDA/Section/id-403632.html

Kieso, D., Weygandt, J., & Warfield, T. (2012). Intermediate Accounting (14th ed.). Hoboken, NJ: Wiley.

Krell, E. (2009, April 2). The biggest cost of IFRS? THAT. Accessed September 18, 2014.

Krell, E. (2009 Apr 6). Pros and cons of IFRS. Accessed September 19, 2014.

Thompson, R. (2009, September 14). Principles- vs. Rules-based accounting. Accessed September 19, 2014.

What is better, principles or rules? (2011, April 5). Accessed September 18, 2014.

KROLL GLOBAL FRAUD REPORT SURVEY 2012/2013. (2013, Jan 1). Accessed September 19, 2014.

Secrets of the Money Masters – Warren Buffett – Charlie Munger

Charles T. Munger is Vice Chairman of Berkshire Hathaway, the same company of which Warren Buffett is Chairman. Born in 1920, he is five years older than the most famous president. Although he does not have a college degree, he does have a degree from Harvard Law School and was a successful lawyer for several years before joining Buffett many decades ago.

If you ask people who really know both of them, they will probably tell you and you will be surprised that Munger is the smarter of the two, while Buffett is the better investor. They would also tell you that Munger made Buffett a better investor than Buffett was, before he met Charlie Munger.

When Charlie Munger is pressed on this subject, his response is that Warren Buffett would have come to this way of investing anyway; It was only a matter of time. Charlie helped him get there earlier. What is this way of investing that Munger is famous for? After all, Munger is an investment billionaire in his own right. It can be summed up in a few sentences.

“The number one idea is to view a stock as property of the business and judge the continuing quality of the business in terms of its competitive advantage. Look for more value in terms of discounted future cash flow than what you’re paying for. Move only when you have an advantage. It’s very basic. You have to understand the odds and have the discipline to only bet when the odds are in your favor.”

Let’s break down this philosophy and see where it leads us. “View a stock as business property.” Charlie Munger says that he doesn’t like to trade stocks. He buys and holds, but wants to hold the right stock for the right reasons. I’ve seen people buy stocks in seconds that, if they were buying a car, would take days of intense reasoning back and forth. Let’s say you’re going to buy a car, you end up going to different dealerships, you do test drives. You read about the car in the consumer report, you look at the JD Powers surveys. You probably look at other car magazines. You can even go out and test drive other cars in the same price range as the car you have in mind to make a value comparison. Meanwhile, you buy a stock, you barely know more than the symbol, and you’re out there investing, and you want to know why some people lose money in the market. As far as these gentlemen are concerned, trading stocks makes no sense.

These people are taking out their game instincts in the market. Charlie Munger wouldn’t do that. Charlie talks about the “permanent quality of the business in terms of its competitive advantage.” What is a competitive advantage for him? it’s what we call that quality that keeps you consistently ahead of your competition, so you can charge a premium price. It is the value of the franchise. Is there anyone in the world who doesn’t know the name Pepsi-Cola or Disney?

You put the name Coca-Cola on a soda bottle, guess what, it sells. It has been sold for the last fifty years and it will be sold for the next fifty years. This represents the competitive advantage of a company. It’s what Munger loves to watch and what he invests in. He wants to nurture that competitive advantage and do everything he can to improve it. That is why ethics is so important to him. Don’t do anything to risk the franchise.

“Look for more value in terms of discounted future cash flow than what you’re paying for.” Buy shares at the right price. You don’t have to buy cheap, cheap, cheap. This is something that Munger has criticized Buffett about. He believes that Buffett before he met him would only buy what is really cheap, what Buffett calls cigarette butts. Charlie has taught Warrem that it’s okay to pay for a stock, as long as you believe that over time, you’ve got a money machine with a great franchise that has predictable staying power.

Wait, there’s more!!!!!

“Only move when you have an edge. You have to understand the odds and have the discipline to bet only when the odds are in your favor.” This is brilliant, absolutely brilliant. There are great companies out there, sometimes they fail, but the basic business is intact. When they fail, and institutions are bailing out because they don’t want to be associated with a front-page story at the end of the quarter, you can sometimes buy a fabulous company at a BARGAIN PRICE. “Move only when you have the advantage.” Now you know what Munger is talking about.

“Bet only when the odds are in your favor.” You don’t become a billionaire by starting from scratch by buying a different stock every day, or even every month. It’s like a beater standing on the plate. Only in this case, you wait; you keep waiting for the perfect pitch to come to the plate, and then boom, home run. Wait until the odds are in your favor. Wait until you hear the next one, it’s fabulous!!!

Both Warren and Charlie have talked about an interesting concept. If you have ever traveled on a commuter train, most people buy what is called a commuter ticket. In other words, the commuter realizes that he will be traveling to and from work all month, so he buys a monthly ticket because it saves money. There are 31 numbers on the ticket and the ticket changes every month.

When the traveler boards the train, the conductor at some point punches the ticket indicating that it has been used on the day in question. Munger likes to say, and Buffett agrees with this, “Wouldn’t it be nice if you were given a stock ticket at birth that allowed you to buy no more than, say, 15 or 20 shares in your lifetime?” Investors would be much more careful in their choices if they knew they were limited to a certain number. It would end daily or even monthly trading. Most likely, its performance will benefit greatly on the upside.

We love Charlie Munger, because much of what he says is very appropriate for our own work at StocksAtBottom.com. We do not have stock every day, or every week. We are constantly researching trying to find the ideas that are going to work. Then we wait for the correct price, just waiting until the action comes to us. Sometimes they drop to our buying levels, and when they do, the price moves are big, dramatic, and beautiful. If you want to know more about our work, just click the button below and start reading.

Stress and anxiety in the life of an expat

Are stress and anxiety necessary ingredients in expat life? I guess many expats around the world would answer yes; Especially the stress part. I disagree, and I’ll tell you why below. I believe that stressors are unavoidable in our expat lives, but that stress and anxiety can be significantly reduced. I have linked the two words together because I find that they are often used interchangeably. “I’m stressed about my new job. My daughter is anxious to go to her new school.” First, I would like to separate these two concepts and identify the differences between them.

What is stress?

This is perhaps one of the most overused words in the English language at this particular time. Stress is actually a physiological response to a perceived threat. We haven’t really come a long way as a species since the days of the caveman. At that time, if a cave dweller met a lion in the forest, his entire body would prepare him to flee or fight. His muscles would tense, hormones like adrenaline would be released into his body, his heart rate and blood pressure would rise, and his breathing would become shallow and rapid. This ‘fight or flight’ response served him well. It helped him mobilize to fight the tiger or flee from it, during which time the tension that had built up in his body would be released. As soon as he was out of danger, assuming he survived, his body would return to homeostasis, to his normal state.

This is exactly what still happens to us when we perceive a threat to our well-being. Except that, guess what? Our threats now rarely refer to physical danger, so there is no way to unleash the accelerated flight or fight response in the body. Now, our threats are mostly emotional or psychological. We feel threatened if we have a fight with our boss and think we might get fired. Or if our son is not adjusting well to his new school, the perceived danger is that he will never be able to adjust to new life situations. These threats exist in the mind, not in the physical world, but the body doesn’t know the difference. Then the body speeds up its activity preparing to fight or flee, but it is not possible to break free since there is nothing physical to do. Stress is the accumulation of this physical tension.

How to handle stress:

You can try this for yourself. The next time you notice that you are ‘stressed’, notice what your shoulder muscles are doing and notice how shallow your breathing has become. As an antidote, you can slow down your body by taking deep breaths or speed it up to release tension. To slow down the body, try to take about 10 breaths. We can focus our attention on the belly and notice how with each inhalation the belly expands and with each exhalation it contracts. It really doesn’t take more than 10 of these full breaths for the body to return to its normal state. Another effective technique is to lie down or sit holding a pillow against your chest. Take a deep breath, squeeze the pillow as hard as you can for a count of four, and release. Try to do this 10 times. Or, you can engage in physical exertion to speed up your body and release pent-up tension, while occupying your mind with something other than the object of your stress. For example, you can try running up and down the stairs 20 times, while counting down from 100 in threes; 100, 97, 94, etc go for a run, or do anything else that expends energy, while focusing your mind on counting. Try these techniques; They are easy to do and they really work. When we don’t release this pent-up energy, our bodies can remain in a state of perpetual stress.

This leads us to anxiety:

Anxiety is often called “free floating.” There are so many potentially stressful situations in our lives as expats, and the time period between them is often so short, that at any given moment we may not even know what is causing us stress. When this happens, we may experience floating anxiety. So the difference between stress and anxiety is this: When we experience stress and catch it early enough, we can usually identify the trigger. When we feel anxious, there is usually no trigger that we can identify. We just know that we are worried, uncomfortable and preoccupied with our thoughts.

What to do with anxiety:

The trick to dealing with anxiety is to become aware of the thoughts that worry us. It is one of the best kept secrets in the world that it is not the external situation that is causing us difficulties; it is what we tell ourselves about the situation that is the problem.

I will use the example of my daughter not studying for her university exams, since that is what worries me at the moment. I see that she spends a lot of time on Facebook instead of studying. I tell her something about this and we have an argument that causes her to leave the room. I’m left with an underlying sense of uneasiness and I’m not sure why. So I pay attention to what I have been thinking and see that I am thinking that she will not graduate from college, that she will never get a good job or be financially independent, and that her options in her life will be limited. And more I am thinking that this is because I am a lousy mother and I have not instilled the proper study habits in him.

So what can I do? I simply have to notice the thoughts I am having, without judging them, and then ask myself what is really true about this situation. What is the plain, unadorned truth at the time? What is really true is that I don’t know what his life will be like in the future, and I certainly don’t know what his life will be like in relation to this particular exam.

Hanging out in the unknown:

Turns out this is the hardest place to be; For all of us. Although we cannot see the future, it seems that we are programmed to hate not knowing. I would rather assume (until I am examined) that my daughter will have a difficult time in life, than admit that I simply do not and cannot know what her life will be like in the future. And sure, you can tell, but actions have consequences and lead to results. And while this is true, there are so many circumstances in between that one can never really know what will happen in the future. We can’t know anything. So we make up stories in our minds that create fear and anxiety instead of being willing to be in the unknown. We do this, I think, because admitting that we don’t know requires a certain kind of abandon that is terrifying until we get used to it.

Letting go does not mean not acting:

I am not suggesting by this that we do not take action. I can’t get into bed, pull up the electric blanket and do nothing else. (Although sometimes I would like to.) I have to take the action that I feel is necessary in the moment. So I go into my daughter’s room and speak to her using the Compassionate Communication model. This involves me observing what just happened, my feelings and needs, and then making a request to him, starting with “would you be willing to…?” I tell her that when I see her on Facebook instead of studying for an upcoming exam (observation) I feel worried, because I need harmony and peace in our house. I ask her, “Would you be willing to agree to spend an hour a night on Facebook between 9 and 10 pm, after I’ve finished studying? She says no, she’d like to be on Facebook when she first gets home.” to relax”. , but she agrees to only do it for an hour. I have taken what I think is the right action and I feel much lighter and relieved.

Stress and anxiety in the life of an expat:

What I have discussed so far applies to people everywhere. So how do stress and anxiety differ in the life of an expat? On the one hand, documented research has shown that major life transitions such as the death of a spouse, divorce, a geographic move, a new job, and a new school for the children create the most stress in the lives of a person. For many people, these major stressors occur a few times in their lives. For expats, moving and changing jobs can happen every 3-4 years! Therefore, it becomes imperative that we learn tools to manage stress.

We need to be particularly sensitive to what our body is telling us in terms of muscle tension, shallow breathing, or “rapid” energy, so that we can stop and at least take a deep breath to relieve the tension. Otherwise, the built-up stress can begin to take its toll in forms such as high blood pressure, overeating, or drug or alcohol abuse.

Floating anxiety tends to arise in situations where there are a lot of unknowns, because remember, the mind hates not knowing. For expats, there are often many unknowns in our lives, especially as we contemplate moving. We don’t know what our new home will be like, if we will make friends, or if our children will adjust to their new schools. In the absence of hard data, our minds go in and create worst case scenarios, then act as if these scenarios have already happened, and the mind is on. We need to be vigilant in observing our thoughts and continually asking ourselves what is true in this situation. If you find yourself in a state of perpetual stress and anxiety, it may help to seek out a professional counselor or therapist. We can’t get rid of the stressors in our lives as expats, but we can learn self-management techniques for the mind and body, thereby reducing the negative impact of stress and anxiety on our lives.

Brief note on the life of Sheikh Saadi


Al Mighty Allah has created limited people who achieved good names due to their good manners and actions. Sheikh Saadi is one of those people who performed many heroic deeds in his life and achieved a good name in this world. The people always benefit from his good deeds and heroic deeds. When the ILKHANI king attacked Iran and burned Iranian houses down, he destroyed mosques, schools/colleges and burned libraries/literature. Furthermore, ILKHANI also brutally killed eminent men and scholars. In those days, Allah has blessed the Iranian people with Sheikh Saadi (RA).

Ashraf Ud Din Mosleh Ud Din Saadi was born in the city of Shiraz in Iran. His exact date of birth is unknown, however modern Iranian history writers say that Saadi was born in 1184 AD. C. and died between 691 and 694 d. H. his father was an official of the Governor of Shiraz. The historian says that Sheikh Saadi has spent his life in four parts. Sheikh Saadi studied for 30 years, then traveled the world for 30 years, then spent 30 years writing books and poetry, and the rest of his life was spent in seclusion and theosophy. He socially served his people through his books and publications.

Sheikh Saadi’s primary and higher education.

Sheikh Saadi belongs to a cultured family from Shiraz who were famous for their learning. He took his early education from his father. Unfortunately, his father passed away in his childhood and she was unable to continue studying with him.

Sheikh Saadi got higher education from the renowned and famous teachers of Shiraz after the death of his father. He traveled to Baghdad to further his education and received higher education from Sheikh Shahab Ud Din Saharwardi,

Sheikh Saadi’s journey.

Sheikh Saadi left Baghdad when he realized that the ruthless and brutal King Halako Khan had destroyed the Islamic state of Baghdad with his brutal acts. He traveled to Syria, Palestine, Mecca, Medina (KSA), Asia and North Africa. He performed fourteen Hajj during his journey. Some of BOSTAN’s stories reveal that he also visited Turkistan and Hindustan. An English historian writes that Saadi is the second biggest tourist in the East after Ibn-e-Batota. He faced problems during his various trips. Once, Saadi gets angry with the people of Damascus. He left Damascus and headed for the deserts of Palestine where the Christians arrested him and imprisoned him with Jewish prisoners. Saadi approached all the problems of life with courage and bravery. He never complained about his problem.

Sheikh Saadi was expressive and fluid in explaining his expressions. He always used fluent, expressive and emphasized words in his prose and poetry, which affects the hearts of the readers. Saadi explained his problems in a better way to guide followers and readers. He was always grateful to Al-Mighty Allah and advised his companions to become patient during conditions of stress and tension.

Love with Native People.

Saadi loved his native land very much, which is reflected in his poetry. He left his hometown of Shiraz due to the cruel rule of Muzafar Uddin Saad bin Zangi and worse public order situation. He returned to his hometown after a long time when Saad bin Zangi died and his son Muzafar Uddin Abu Bakar bin Abu Saad bin Zangi took over the kingdom in 1236 AH. Muzafar Uddin Abu Bakar pledged himself to the TATARIAN tribe for peace. In this way, he managed to keep the peace in Persia and saved his people from mass destruction.

Tendency to Sufism.

Sheikh Saadi was a very talented scholar and he liked scholars in general and religious scholars in particular. Despite his abilities and epistemic qualities, he was influenced by Sufi and adopted Sufism. Saadi used his prose and poetry for constrictive and amelioration public works. He guided leaders, kings and rulers through his poetry. Ali bin Ahmad is a renowned religious scholar (who formed/assembled Kulayat-e-Saadi) says that Sheikh Saadi was very brave and courageous. Furthermore, he narrated that Saadi has courageously expressed and communicated his point of view to everyone, including the rulers of his time. Saadi was very talented from childhood. He was popular among the people due to his sincerity. He was respected by everyone due to his good manners and positive attitude.

Death of Sheikh Saadi.

Saadi was very popular with the people. Once the King of Multan invited Saadi to visit India, but Saadi apologized. Saadi’s health condition weakened in those days and he preferred to live in Shiraz (his hometown). He died in Shiraz in 691 AH and was buried there. His tomb is known as MAZAR-E-SADIA.

Saadi Publications.

Saadi is famous for his unique writing style in prose and poetry. His books and publications are famous all over the world, in particular GULISTAN, BOSTAN and Kulayat-e-Saadi. BOSTAN is one of the best books and it was written in 1257 AD and contains the following topics:

  1. Justice

  2. Characteristics of kindness

  3. force of love

  4. Humility and Humility

  5. Advantages of Contentment

  6. Education

  7. Advantages of Saying Thanks to Allah Al Mighty

  8. regret and regret

  9. Invocation and Prayers

GULISTAN-E-SAADI is another beautiful book of unique and true stories. Said book was written in 1258 AD but formulated and published after his death. The highlights of the book are as follows:-

1.Monarch Characters

2. Darwaish Characters

3. Advantages of Humility

4. Advantage of silence

5.Youth and Love

6. old age

7. Effects of education

8. Company etiquette

Best Forex Software Made Easy

Forex Made Easy software is technology that automatically places and withdraws trades for an investor in the foreign exchange market, all without them having to lift a finger or have time to spend on analysis or investing. This technology has been around for many years, but only until recently was it available to casual and home traders or, in other words, the general public.

Forex Made Easy software is based on technology used by professional traders in the past that would fill in the gaps in their hectic trading hours so they wouldn’t lose money if the market turned in their favor in the middle of the night. Eventually, the profitable implications of expanding this technology to cover the full 24-hour market became apparent and this technology was scaled up and branded for the casual home forex trader.

In this article we are going to take a look at the best easy forex software available today.

FAP Turbo is one of the most popular easy to make forex software options on the market today. This program works by scanning the market 24 hours a day for high probability trading opportunities. It does this based on complex mathematical algorithms that are based on winning trading techniques from real life traders.

FAP Turbo invests accordingly once it finds what it believes to be a high probability trading opportunity using its own capital. He then goes into defensive mode, at which point he follows his investments just to make sure they are constantly rising and remain profitable. Eventually, the market will move in your favor, at which point the program will change the now bad investment to prevent you from experiencing losses and reduce your profits.

One thing to decide when you first get FAP Turbo is whether you are able and willing to leave your computer on 24/7 so that FAP Turbo is always in a position to invest accordingly once you find a business opportunity. Otherwise, the publishers behind the show have their own dedicated servers that never go down from which they can run their show while still having full remote access to how the show operates 24 hours a day.

There are a few basic settings you can toggle around with, but FAP Turbo is usually ready to go right out of the box or right after you download it because it’s a digital product.

Because no emotion or other harmful human contaminants have a chance to affect and harm your trades, easy Forex software like FAP Turbo is the most reliable way to trade in today’s market. Every move is made in place and every move is entirely based on algorithmically analyzed market behavior.

Between the unique low price, ease of use and conservative trading nature of FAP Turbo, this is the most powerful and recommended Forex Made Easy software option today. When I say it operates conservatively, what I mean is that it maintains much higher standards that an investment must meet before the program will invest money accordingly.

I have had bad experiences with programs that required me to basically watch over their shoulders while auto trading because they were chasing aggressive and highly volatile trades and had losing records to prove it.

FAP turbo is easy forex software that is truly made with the newbie, first timer and busy forex trader in mind as it is fully automated and fully effective. It’s even backed by a full eight-week money-back guarantee, so there’s no risk of it starting to make real profits for you, whether or not you’ve heard of forex before you start using it.

What are part time jobs for retirees online?

Retirement has many benefits. You can get the basic state pension, cold weather pay and winter fuel pay. You are even entitled to budget loans, crisis loans, funeral payments and many other benefits. But, sometimes, these benefits are not enough so you ask yourself, what are part-time jobs for retirees online?

Well, here are the top 10 online jobs for retirees:

freelance writer

This job is best for those who have writing experience. So if you have freelance writing experience, you can try this gig. You can write on various topics such as crafts, marketing, personal development, and business. You can even write recipes.

This job will allow you to earn a little money and still be in control of your time. It’s pretty fun, too. You can find writing jobs on various freelance sites like Odesk and Elance. You can also get in touch with the people behind writerfind.com, freelancewriting.com, and writersmarket.com.

In addition to writing, you can also get a job as a proofreader. A proofreader can earn from $10 to $20 per hour. You can find proofreading jobs through cactusglobal.com and firstediting.com.

virtual assistant

This job is pretty easy and pays well too. A virtual assistant has many responsibilities, including:

Manage client accounts and spreadsheets.

Prepare emails.

Send newsletters.

Handle email inquiries from customers.

Answer phone calls.

Manage and update the content of the website.

Transcript of recorded phone calls or interviews.

schedule management

online research

payroll tasks

Invoice preparation

Checking emails

This job is perfect for retirees who have excellent organizational and time management skills. This job will allow you to earn money and still spend a lot of time with your family.


If you have a background in accounting, this job is perfect for you. This part-time job will allow you to show off your accounting and numeracy skills. At the same time, this job allows you to work on your own time.


Part-time telemarketers earn $8 to $15 per hour. This is a good gig if you want to earn a little more. You can find telemarketing jobs on various freelance sites like Elance or Odesk. You can also find various telemarketing jobs on websites like alpineaccess.com, rise.com, workingsolutions.com, and liveops.com.

online jury

This job is for those who have a background in law. Online companies like Jury Test, OnlineVerdict, and eJury hire people to act as mock juries. It will be more like a member of a focus group discussion.

An attorney will post a case on the website and then you will write your own verdict or review based on the evidence and arguments presented. You can complete this task in thirty minutes to an hour, depending on the length and sophistication of the case materials. You could be paid ten dollars to one hundred dollars per case.

online tutor

Online tutoring is becoming more and more popular today. This job will allow you to teach a variety of courses including physics, biology, world history, languages, science, and math. It can also help students prepare for tests like the GED, SAT, and GRE.

There are a number of online tutoring jobs online. In fact, you can find online tutoring jobs at craigslist.com, tutor.com, elance.com, fiverr.com, rarejob.com, and tutorvista.com.

data entry jobs

This job may not be fancy or glamorous, but it pays the bills. You can find many data entry jobs at TDEC, Capital Typing, and Virtual Bee. You can even find various data entry jobs on various freelance websites, such as freelancer.com, odesk.com, and elance.com.

take surveys

You can earn a hundred amount of money by answering surveys. This job is extremely easy and stress free. It also has many advantages, such as giving you access to limited shopping coupons.


You can take advantage of this job opportunity if you are bilingual. You can find various document translation jobs on the following websites:

craig’s list


click worker

bridge of lion

online sale

You can also make money selling things online. You can sell used items or you can sell various retail items such as clothing, shoes, and sports accessories on various online marketplaces such as Amazon and eBay.

If you’re wondering what part-time jobs for retirees online are, well, there are plenty of options to choose from. You just have to choose the one that suits your skill set, interests, and schedule.

Starting your career as an insurance attorney

There are many different types of insurance policies available now and each policy helps people easily recover for their losses or damages. You can get insurance for your health, car, property, etc. Insurance companies provide compensation to people and cover unexpected situations, from a car accident to a storm that damages your property.

An insurance lawyer offers legal advice and guidance to his clients and also represents them in cases of conflict with insurance companies. Insurance companies generally go to great lengths to use whatever legal excuse they can find through investigation to avoid paying compensation to clients. An insurance attorney makes sure that insurance companies respect the rights of clients and also pay the compensation that clients are entitled to. An insurance attorney must have strong negotiation skills, as he must first try to resolve the dispute between the parties outside of the courtroom.

1. The first requirement you need to meet to apply to a law school is to earn your four-year college degree by enrolling in a college or university. It is a standard condition for almost all law schools.

2. The second prerequisite for admission to law school is passing the Law School Admissions Test (LSAT). Just passing the exam is not enough as the competition is high now and only those who score well on the LSAT will have a chance to enter a law school. You can take the quiz more than once to improve your score.

3. For information on the law school admissions process and the list of law schools accredited by the American Bar Association, you can log on to the official website of the Law School Board of Trustees (lsac.org /).

4. If you take a full-time program, it will take you three years to complete. On the other hand, a part-time program takes almost five years to complete. Whichever program you take, keep in mind that these three to five years require a lot of hard work, extensive reading, and study. You need to spend a lot of your time in the library to get more and more knowledge.

5. Almost all law schools follow a standard educational curriculum. So the first year will focus on the basics of the legal system. In the following years you will be able to select the courses of your interest, as in this case insurance law.

6. After graduating from law school, register for the bar exam in your state. Start reviewing all the content you’ve studied in three years, as this test is based entirely on federal and state law.

7. Pass the bar exam and get your license. Now you can start practicing law as an insurance attorney. Ask the American Bar Association to add your name as an insurance attorney to its online database.

Lateral File Cabinets: Function and Style

Although the type of file cabinet most often found in the office or home is the vertical file cabinet, a lateral file cabinet has many attractive advantages. Built with strength, volume, and style in mind, a lateral file cabinet can hold large amounts of paperwork with less floor space. It is also more efficient compared to stacking multi-unit vertical file cabinets.

A side cabinet mimics a regular utilitarian cabinet, with horizontal drawers that resemble those in a standard dresser. Files are stored side to side instead of front to back, like in a vertical cabinet. Several models of lateral files come with flexible operating inserts that can be operated in any way.

By storing files side by side, a lateral file cabinet’s spacious drawers make it easy for its users to go through large numbers of files with ease. This feature becomes more useful in confined spaces where users are presented with limited work space. Due to its flexibility to store more files, this office furniture is found most of the time in schools, police offices, hospitals, doctor’s offices and other spaces that need continuous retrieval of files or paperwork. Depending on the model, this office furniture can have two or more drawers, which can be placed side by side if preferred.

Several models of this type include adjustable or counterbalanced drawers. This helps keep the cabinet from becoming unstable or heavy when all the drawers are opened. The taller units are usually made with a mechanism that allows only one drawer to be opened at a time. A double-walled or reinforced lateral file cabinet will ensure that furniture retains its shape for years to come. With steel ball bearings for rollers, suspension and other design features, it makes a big difference with the ease of operation of the furniture.

Common components of lateral file cabinets are wood and steel. Most layouts employ a storage cabinet or office supply pantry at the top and a few extra file drawers at the bottom. For aesthetic reasons, a two-drawer lateral file cabinet made of wood can act as a functional support for a printer, fax or telephone. There are also several lateral file cabinets that can be mounted on the walls.

Oh! What happens in an investment bank?

So they had a big hand in the financial crisis, they’ve got most of Washington in their pockets, they’re really confused, and everyone who works in one seems to be a millionaire. They have names like Morgan Stanley, Goldman Sachs, Lazard, and, in the recent past, Lehman Brothers, Merrill Lynch, and Bear Stearns. It takes around ‘100’ years to make a good one and they are the envy of Ivy League business students and MBAs everywhere. They are investment banks, not to be confused with mom and pop banks, and here’s what they look like on the inside.

So let’s talk about what we’re seeing, hopefully in a way that doesn’t make you cringe. At first glance, we have four main sections in our image:

1) Investment Banking

2) Sales and Trade

3) Operations

4) Capital Markets

*Actually, you will see many other features such as prime brokerage, asset management, etc. but the big ones are up.

Let’s talk about what they do and to make it more interesting we can also talk about their personalities and how much money they make!

Our first stop will be the investment banker, the investment banker usually specializes in one industry and may specialize or belong to another group such as Mergers and Acquisitions. These are like financial advisers for companies. They help companies raise capital (through debt/equity offerings), tell companies to buy other companies and take private companies public; And they don’t do it for free, they charge high fees. The general character of an investment banker is quiet and reserved. Unlike merchants (whom we’ll talk about later), they don’t use cheeky words and never unbutton their shirt collars.

Because investment bankers only make money when a company moves money, whether it’s to buy a company or raise money, they constantly want corporations to move money. To do this, they have to give companies ideas of what they should do at all times in the form of small and careful presentations called pitch-books (in terms of the PIBS industry). Many of these ideas never see the light of day, but because bankers have to think through hundreds of pitches for each one that comes to fruition, they never sleep and are at the beck and call of a company processing a deal: the lower. they are on the totem unless they sleep. You start as an analyst, then you become an associate, if you’re good the next step is VP and if you can make it rain Director or even CEO.

In 2010, as a beginning analyst, you can expect to earn a salary of $70,000 and earn a bonus of about 80% and more, you can also expect to work 90-120 hours a week during offers. After two years as an analyst, he returns to earn his MBA and become an Associate. He now has a salary of around $100,000 and his bonus structure remains the same. If you’re good, you’re a VP and you’re making half a million dollars a year and a good CEO who can really make it rain could make eight, nine or ten million a year (there are those poor suckers who only make a couple of million). ). Oh, and what about that little red line in the image, which is called “The Great Wall of China”. Because bankers have access to customers’ private information (they need it for their pitches), they are not allowed to be around other people in the bank who could benefit from that information. Therefore, all banks have two large escalators and two large banks of elevators that never mix.

Merchants are a completely different entity not to be confused with bankers or salesmen. Merchants and vendors work together on a trading floor, but that’s the only thing they have in common. Traders mostly specialize in a certain product or region and trade for clients (flow trading/market making) or for the bank itself (proprietary traders), although these are a dying breed thanks to the Dodd- Frank and the Volcker Rule. .

Since Frank Partnoy already described the difference between a merchant and a salesman in his book “FIASCO”, I can steal your work!

“Dealers are the men with rolled up sleeves and loose ties who hold multiple phones each and periodically smash a phone against a desk, computer or sales assistant, then grab another donut from a monstrous box.”

“In contrast, the salesperson calmly adjusts his cufflinks while holding a phone to each ear and alternately pressing the hidden mute buttons on his phones, having multiple composed conversations at once. A good salesperson can chat with a customer simultaneously , discuss tonight’s Knicks play with your bookie, order your assistant to steal a donut from the dealers, and explain to your wife where you were last night until 4:00 am, and no one will notice the others conversations or nearby chaos. (from the park).

People in sales and trading earn similar salaries to their counterparts in banking, but their bonuses are based on the number of clients and how much they trade or how fair their trades are in the market. This allows them to be ridiculously profitable. A good owner-trader can earn more than the CEO of a big bank in a good year and the guy who controls the money is the one who really runs the bank. Think of Michael Milken of Soloman Brothers in the 1980s. Best of all for owner dealers (the high-flying sportsmen of dealers), you’re gambling with company money!

Those in charge of capital markets are there to help sound the markets when bankers need to increase debt. An investment banker will say something like “Johnson & Johnson wants to raise $10 billion in debt, they want something that has a fairly short maturity. How much is it going to cost them?” The capital markets will work with a group called the “Syndicate” to quote the market value for the bankers. Of course, this is after the investment banker has told ‘100’ different companies that they need to increase debt and finally one has listened. A good capital markets guy keeps a pulse on the market and knows how much everything costs at the moment. Capital market workers are paid slightly less than bankers, mainly because they are further away from clients.

Then there are the Operations guys. This is all the bank has that looks a bit like a normal company. This is management, legal and administration. Most banks have huge separate buildings to house the actual trading people who actually settle your trades as well as clean your accounts and make sure everything runs smoothly. These buildings aren’t as glamorous as the buildings for bankers and merchants (ie Goldman Sachs moves all of its trading people to a large building in New Jersey) and the pay is a fraction of any other position.

So those are the basics of investment banking, it can be as complicated as you make it, but the knowledge above will put you leagues ahead of the average person!

From http://unmaskingfinance.blogspot.com