#Geste Jewellery

[gestejewellery]

Yaşam ağacı altın kolye

Sevdiklerinize anlam dolu şık bir hediye vermek istiyorsanız, Bahar Yaşam Ağacı Altın Kolye mükemmel bir seçenektir. Doğayla, aşkla ve anlamla dolu bu sembol, özel günlerde sevdiklerinize verilebilecek en özel hediyelerden biridir.

[presleyhearted]

Hello!

First of all, thank you for the amazing stories, especially yours truly! I'm a fan of your creations and looking forward to reading a new one🫶🏻

Is it okay to ask a short fic or imagine for Elvis & female reader?

Elvis and reader are in the relationship and they're planning to celebrate their 1 year anniversary soon. They both think what would be the best gifts for each other for the anniversary and they are asking their friends for help😚

There are so many gift ideas like flowers, matching jewellery, new clothes, photo albums(including photos they took when they went out for fair/amusement park idk cute ones), etc.. You can think of anything really!

Then Elvis and reader are giving gifts to each other on their anniversary day. They enjoy their gifts but most importantly they're happy being together🥺 How about this idea in a fluff, cute fics? I don't have a particular favourite era of Elvis(love all eras!) so you can choose, bestie I want your ideas💗

A Year With You.

pairing: 70s!e x female reader genre: fluff, established relationship. warnings: strong language, brief hint to sexual allusions, mentions of nightmares. An insanely happy lovey-dovey couple (aha). wc: 1.8k notes: Hi bestie! This is a long-awaited request, I apologise for that. I am too much of a perfectionist, which is not a great combination with the world of writer's block. Nonetheless, I really did want to write this. I hope that it has met your expectations!

 You consider yourself a pretty humble person, but you do pride yourself as a great gift-giver. It is always such a wondrous feeling to see the smile of glee from your friends and family, as you gift them exactly what they wanted. Even if they don’t straight up tell you what they want, or they don’t know what they want - you somehow always ace it when it comes to gift giving. Whether that be Christmas or birthdays. . . 

But now, well, you are actually stuck. The gift-giving this time round is for neither occasion, and the receiver is not family or friends. Specifically, your boyfriend. 

“My brain is empty. Nothing.” You admit, with your elbow propped up on the table of the booth as you rested your chin in your palm. 

As per usual, at least once a week, you find yourself seated across from one of your close friends - Vivian. At your usual spot for lunch, which is the local diner in your small town. You’d normally 

catch up about anything and everything going on, and the subject of conversation this time round? Seeking advice from something you normally found relatively easy. 

Vivian takes a sip from her milkshake, “Oh, I don’t think so.” 

Your furrow your eyebrows, “No, Viv, I’m serious - I can’t think of anything.” 

“Well, what about… I dunno, a really nice scarf? With his initials embroidered?” She suggests, in obvious hopes to ease your worry, but the uncertainty in her voice is far too clear. 

You give her a look. 

“What?” Vivian questions, “It is practical! and sentimental.” She shrugs, as a matter of fact. 

Bless her heart, she’s only trying to help. But you can’t find yourself agreeing with that gift idea. It is practical, but still. . . It feels so random. There has to be something else out there. 

“I can’t just give him a scarf,” You sighed as you took a bite out of the fry. 

“Why not?” 

“It feels a little random. I don’t know.” 

Vivian tilts her head and gestures dramatically at the window beside the booth, “Y/N, I hardly believe it’d be random.” As a matter of fact, the outside was blanketed by pristine white snow, as people passed by clutching tightly onto their winter attires. 

You nod, “Yes. But it doesn’t really scream ‘Happy Anniversary’!” You emphasized. 

“I want it to be practical, definitely. Yeah. But I want it to be something memorable too.” You explain, letting out a heavy sigh, as you subconsciously tap your fingers on the table. 

Vivian clicks her fingers with a smirk on her face, “Aha!” 

“What?” 

“I know just thee perfect gift.” She boasts. 

She leans over and gestures for you to lean in, as she cups her hand to whisper. 

“Winter wear is not the only thing that can keep him warm this season.” She says, a smirk prominent on her face. 

Your eyes go wide at her words, as a gasp leaves you. You feel your face grow rapidly warm, no doubt the obvious blush taking space on your cheeks. 

“Viv!” 

She calmly leaned back on her seat and shrugged casually, “What? It fits the criteria of practical and memorable.” Vivian can’t help but let out a laugh at your reaction. 

You find yourself laughing, as you shake your head, “You are terrible. Oh my goodness.” 

You manage to calm yourself down, “In all seriousness though, what in the world do I get a guy who has everything?” 

“I doubt he has everything, Y/N.” 

“Well, you know what I mean. Majority of everything ever.” 

Your lunch meet-up with Vivian comes to a close after two hours of chatting, mostly about your current predicament. Unfortunately, the lunch concluded with you still not knowing what to give him. But Vivian is quick to assure that ‘the world’s best gift giver’ won’t back down for this one. 

You hope she’s right. 

--------------------------------------

“Whatcha’ think of a pair of earrings?” Elvis asks, as he leans against the wall of the living room, the sound of the faint crackling of the fireplace in the background. 

“I’d say that’s a great gift, E.” Charlie replies, as he scribbles down notes beside the list of songs on the paper Elvis handed him. 

Elvis sighs and shakes his head, “I-well, I-I dunno man.” 

“Sorry to interrupt, E. We doing Johnny B. Goode?” Charlie asks, looking up at him and awaiting his answer. 

“Yeah, yeah. Add it in.” 

Charlie swiftly nods and goes back to reviewing the list, “Alright, go on.” He encourages, despite his eyes being trained on the sheet of paper on the carpeted floor in front of him. 

“I- well, like I said… I dunno ‘bout getting her jewelry.” 

“Does she not like it? Girls are usually all over ‘em.” Charlie shrugs, not quite understanding Elvis’ dilemma. 

Elvis crosses his arms over his chest, “She likes it.  But I-I-I feel that’s what I always get her. And ya know me, man, I hate boring shit.” He sighs, shaking his head. 

Charlie looks up at his friend, after hearing the distressed tone in his voice. It was a strange situation, for he didn’t think he could recall a time that Elvis hit a brick wall when it came to gift ideas for a girlfriend. He sure did not have trouble in his previous relationships. 

“Hmm… I know!” Charlie muses, in Elvis eagerly awaits his answer. 

“Try not to get her boring shit, then.” Charlie laughs. 

Elvis’ face relaxes and breathes a laugh, “Oh, you unhelpful fucker! Shit friend you are.” He said, throwing a cushion, which Charlie catches in time. Both are laughing. 

Charlie puts both his hands up in mock defense, “I say this with all honesty; I don’t think Y/N cares much ‘bout what you give her, E. She sees you and that girl is as happy as Goddamn sunshine and rainbows. All there is to it.” He said, voice serious as he explained to his friend that finding material perfection isn’t the core of the anniversary. That, really, you already radiate happiness whenever you are close to him. Whenever Elvis is with you. 

It’s in this that Elvis finds himself breaking out into a smile. A smile so huge that he has to adjust the sunglasses framing his face, as they slip down just a little bit. 

--------------------------------------

“Happy Anniversary, baby.” You say, kissing him on the cheek, as you hand the carefully wrapped present to him. 

You find yourself biting on your bottom lip, nervous as hell. He unravels it quite quickly and his silence certainly doesn’t put your nerves at bay. 

“A journal.” He says, a voice in wonder and surprise. His fingers dance across the leather-bound, particularly his embroidered initials. 

“Yeah. It’s um, I know it’s a little random. But, I, just see you so lost in your mind sometimes. Many times. And I, uh, I know you talk to me. But sometimes when you don’t feel like talking to anyone, not even me- just write down what you feel. It might help. It’s not healthy to have a thousand thoughts running around in your head. I, um, like I don’t know if you like it. If you don’t that’s-“ Your nervous ramblings are cut off by his hand wrapped around your waist, pushing you forward to him as his lips meet yours. 

You are taken completely off guard by the unexpected kiss, but he is who he is, as unpredictable as ever. The kiss is passionate and soft, oh so soft that you can’t help but wrap your arms around his neck. 

You break apart, in which he rests his forehead yours. 

“I love it, honey. I love it so damn much. You are so good to me, so good to me.” He says softly, eyes glassy with tears. 

Your thumb strokes his cheek, “Really?” Your heart sighs in relief. 

He nods his head, “Mm-hmm. It’s everything. You’re everything.” 

He pulls away a little and you mistake this for meaning you should pull away as well, but instead, Elvis is quick to wrap his arms around your waist. He then brings you forward more, till you are sitting in his lap with your legs on either side of him. 

“Where did ya think you were goin’ baby?” He grins, his bottom lip between his teeth. 

You find yourself chuckling at him, “Nowhere it seems.” 

“Good.”

Elvis smoothly reaches to the right side of where he’s sat, and hands you a nearly wrapped small box. You guess that it is jewelry, which wouldn’t be surprising considering the previous times Elvis bought you a gift. You know how generous he is with gifting you items of luxury, and you are grateful, but it is not something you necessarily need. Being with him is enough, in all honesty. 

You remove the wrapping, and you gasp in surprise at the contents of the box. 

“It’s a dreamcatcher.” It was a delicate dreamcatcher, a silver color, and was smaller than normal ones. You examine it further and see that there seem to be words engraved on it ‘For you, my heart. To always have good dreams only.’ E.P. 

“Whatcha’ think, honey? I-I-I know you have bad dreams sometimes, and I hate that I can’t control it. But they say a dreamcatcher helps with that. I don’t want you getting no nightmares again. Is it…is it what you-“

Tears stream down your face as you wrap your arms tightly around him, “Thank you, thank you.” You whisper, overcome with emotion. 

It’s true. You’ve been prone to getting bad dreams lately, and you’ve heard about dreamcatchers before. But you always forget to find one for yourself. 

“I’m happy you like it, Y/N.” 

You slowly pull away from him, “Of course I do. You are so so thoughtful, E. It’s just what I needed, really. “

“I love you, darlin.’.” Elvis says, looking at you in wonder as he tucks a strand of hair behind your ear. 

“I love you so much.” You say as you find yourself tracing his features with your finger delicately. 

“Are you happy, baby?” Elvis asks.

“I am. I don’t care much about what gift you give me, having you here is already so much for me.” You say, truthfully with a wide smile, “Are you happy, Elvis?”

“I have the most beautiful girl with me, and her heart is so big and true. I-I’m one lucky son of a bitch.” He grins, and you laugh at this. 

You pull each other into a kiss, which turns into one of the many kisses that you would share that night. It was an anniversary that exceeded everything you could have ever hoped for. You mentally slapped yourself on why you worried so much about what to get him when really, that was never the thing that mattered most. 

@literally-just-elvis-fics

[runwhileyoucan]

If no one is going to talk about the potential of the super cute family dynamic that muriel and the ineffible huabunda have...

I FUCKIN WILL

So i was rewaching s2 and i was like

"OMG MURIEL AND THE INEFFIBLE HUSBANDS IS SUCH A CUTE FAMILY DINAMIC"

So writed up some stuff mostly fluff but mit be angsty take it all in

（Sorry for the bad English not my first language ）

・Muriel always wears white because they wore as an angel but Crowley keeps on giving them red and jewellery because he likes black and red

・"Crowley “muriel what pronouns do you use？”

Muriel “what？”

Aziraphale “oh..of course（explains the consept)”

muriel“oh i think i like they/them”

Crowley“got it”

・Crowley keeps on buying sweets every time they go out on a walk because muriel never asks them self because they want to be selfless

・Aziraphael makes Crowley pay in the "swearing jaw" so Crowley is a good influence on muriel

・Nina “is that your kid？”

・Crowley “what！？well uh somethin like that”

・Muriel keeps on asking Crowley questions like"why does the moon glow" and because Crowley loves the stars and space stuff so much he goes on a rant and muriel's too plight to say stop. But it's quite interesting.

・Muriel likes Physical affection so Crowley gives lots of candles but Crowley giving hugs is very rare. So when they get a hug from Crowley they immediately go and tell Aziraphale.

・Muriel gets very upset that Crowley had to fall because he's so nice to them.

・Crowley secretly gives pocket money to Muriel but muriel didn't realise it was a secret and instantly tells Aziraphale about it.

・Cross azi

・Every time Crowley gest angry Crowley leaves the room not to scare/harm them with the smoke and lightning and god knows what

・muriel always wants Crowley to put his sunglasses off because they like lookin at his eyes

・Muriel“pleasessssss”

Crowley &Aziraphael “no！！”

・Muriel tries to teach Crowley to read better but Crowleys like “words hurt my eyes”（still tryes his best.）

・when all three of them go on Vacations people just assume they are family. AND THEY DON'T CORRECT THEM 

・Aziraphael reads to muriel before they go to sleep because Crowley made them believe bed monsters are real

・Muriel“the bed monster is going to get me！”

*Aziraphale glares at Crowley until he apologises*

・Crowley giving muriel a lift on the bentley to literally anywhere

・Crowley“Oi angels we are runnin late get in the bently RIGHT NOW”

・Crowley“Angel can you―”

Muriel & Aziraphael “yes？”

Crowley “oh uh sorry”

・Crowley giving all the food that he dosant like to muriel and azi being like “Crowley！eat your vegetables！”

・when muriel and Crowley fight（because azi and muriel can just talk it out） muriel says something like

“but that was mean！” and Crowleys like

“well i'm a demon” and muriel goes of to think of a reply and two hours later their like“but your a nice demon！”

and it goes on for theys antill Crowley gets bord or azi interfiers.

I love all of them smmm love this ineffible family（dont know if its the right name）

[teknobultenyaz]

Altın Kolye Modelleri

[globallover2021]

Women Two Piece Sets

100 plutocrat back guarantee? Well, that is further than I can say about my first marriage, "Mariel said under her breath. She snappily scolded herself for being so pessimistic, and continued browsing through the stunning choices available on the jewellery website. Wholesale Two Piece Sets and Wholesale Women Two Piece Dress are the sexiest items in our store. Shop these high quality and fashionable dresses at cheap prices.

Mariel was floundering, both with planning her own marriage, and helping her son Alaina plan hers. Noway in a million times would she have anticipated to be getting wedded, for the alternate time, at her age. Ever since the divorce from Alaina's pater several times agone, her life had been anything purely predictable. She went through all the" typical" stages of divorce shock, grief, despair, wrathfulness and, eventually, acceptance. Mariel realized that the once five times hadn't only been the most grueling of her life; they had also given her the stylish occasion to rediscover herself and what she wanted.

  Also she met Alex, and the world sounded to stop for just a moment. Introduced through collective musketeers, their courting was delightful, fast and passionate, and they knew they had plant commodity truly special in each other. To mark their first month of courting, Alex had surprised Mariel with a lovely single plum on the slenderest tableware chain. It was exquisite, and she had worn it every day since. When she asked him where he bought the choker, she was surprised yet again when Alex told her that he bought it at an online jewellery point.

Alex spent great deal of time working online managing his import/ import business, so he was much more comfortable shopping and buying online than Mariel. To her, who only just now was getting comfortable using Facebook, buying online still sounded parlous. She bothered about the quality being up to par, or entering the wrong particulars. She had also heard the usual horror stories from people who had placed an order, and noway entered their wares. Alex heeded patiently to her fears, also calmly explained how he determines what spots will get his business. Wholesale Two Piece Sets and Wholesale Women Two Piece Dress are the sexiest items in our store. Shop these high quality and fashionable dresses at cheap prices.

  First, he only buys from merchandisers who use a secure payment gateway and offer an iron-clad 100 plutocrat back guarantee. Secondly, he makes sure that the point gives good contact information, including emails and phone figures, of their client service department. Eventually, he makes sure to read online reviews and client witnesses to hear real- world gests from factual guests.

Alex was a good businessman, and not one to take overdue pitfalls. He liked the lesser choices and variety he'd through online shopping, and was suitable to find numerous particulars that weren't available away in Malaysia. Add to this the advanced quality available, and he was hooked on online shopping. It made sense to Mariel, but still she was doubtful. Eventually, at Alex's prompting, she bought a high- end bag from an online store; she was absolutely pleased at the volume and variety of affordable ingrained goods she plant, and her bag arrived as promised just a many days latterly. So she was not surprised to find herself browsing this point moment, hoping to find just the right piece of jewellery for her son's marriage. Alex was right, the quality and variety of choices were great! She had a feeling she would be suitable to find the perfect gift of jewellery. Wholesale Two Piece Sets and Wholesale Women Two Piece Dress are the sexiest items in our store. Shop these high quality and fashionable dresses at cheap prices. If you want to Read More about this topic, you can visit our website. 

It was further than simply a marriage gift she was later; it was a peace immolation too. She and her son had been fighting for what sounded like months, marring what should have been a lovely and instigative time for both of them. The trouble started back in late fall, when Alaina and her fiancée blazoned their plans to be married. Mariel allowed they were far too youthful, and formerly ladened with huge pupil loans from council. Neither one of them was forcefully launched in their new careers, and they still looked (and occasionally acted) like silly council kiddies. She gave them her ( unasked) opinion, which did not go over well.

  Mariel was taken suddenly by this new, strong son. She had always had a close and happy relationship with Alaina; they could partake their dreams, their struggles and their expedients. Also everything changed when Mariel disassociated. Since also, there was a gulf between them; they remained generally polite, but there were injuries on both sides that demanded time to heal. True, she did not suppose the marriage was a good idea, but now that she knew Alaina's fiancée a bit more, she could not tell whether it was their marriage, or bad recollections of her own first marriage at such a youthful age, that troubled her.

"What's it? Is it Dad? Is everything okay? "Mariel could hear a softening in her voice; it reminded her of times agone, when they would partake breathless tales of schoolyard crushes and hateful musketeers over lemonade on the reverse veranda.

This was the part Mariel had been dreading. She and Alex wanted a veritably simple, small and private marriage, without a lot of planning or waiting. They wanted to be married in two months, just a couple of weeks before Alaina's. Alex was going to be traveling for utmost of the summer, and he wanted Mariel to join him, as his woman. Away from being suitable to take an extended honeymoon combined with his business trip, it would make it easier for visas and customs if they were married. Plus, why stay? They both knew what they wanted, and they were not getting any youngish.

[aflebijoux]

✨ La délicatesse des gestes révèle celle des sentiments.” Proverbe africain - Chacune de nos pièces est ciselée avec la plus délicate attention pour ne révéler que les plus douces de vos intentions. A shopper en ligne, maintenant, pour rayonner, tout le temps. ✨ “The delicacy of gestures reveals that of feelings." African proverb - Each of our pieces is chiseled with the most delicate attention to reveal only the sweetest of your intentions. Shopping online, now, to radiate, all the time. . . . . . . #aflebijoux #akan #jewellery #bijoux #culture #heritage #lifestyle #ghana🇬🇭 #cotedivoire🇨🇮 #africaninspired #africaninspiredjewelry #femaledesigner #femalentrepreneur #femalefounder #africanowned #strongwomen #womenempowerment #womenofsuccess #supportblackbusiness #adinkrahene #leadership #charisma #royalty #gold #or #jewellerywithmeaning #loveyourself #jewellerygram #jewelleryaddict (hier: Germany) https://www.instagram.com/p/CG24mBILHjd/?igshid=1o99xarnvgmeo

[tabledesecoutes-blog]

Rosário Forjaz - Dessin de lumière - Atelier en marche: Nous partirons ensemble le matin, jusqu’en fin d’après-midi. Le lendemain, nous  marcherons pieds nus, arpentant les chemins du silence. Nous marcherons lentement, les yeux fermés, en vivant une expérience sensorielle et tactile, le corps lié à la la matière végétale. Nous partirons de la Collégiale et y reviendrons, chacun à son propre rythme, avec ses pauses, son collectage de traces personnelles, ses paysages intérieurs; Chacun arrêtera l’expérience et reviendra lorsqu’il le désire. Aux limites des zones d'ombre, nous allons créer un itinéraire-chemin de lumière,un herbier, une carte aux enluminures végétales.

Walkshop : Light Drawings We will leave together in the morning and we will arrive till the end of the day.  One day after, we will walk barefoot. Wandering in silent trails. We'll walk slowly. We will walk with our eyes closed activating the sensory and tactile experience of the body with the vegetable material. First we will get waway from the village and the Collegiale. After we will return to the cloister. Everybody in his own rhythm, with his own pauses, in his own trajectory, in his own interior landscape, returning whenever he wishes. In the limit of the spaces of shadow, we will create together a drawing of light - herbarium, map, vegetal illuminations.

Rosário Forjaz (Portugal) Né au Mozambique, Rosário  Forlan vit et travaille à Porto, (Portugal). Après avoir étudié aux Beaux-Arts la peinture, et à travers elle le dessin, l’artiste travaille également  la gravure, la  joaillerie, la céramique, l’installation plastique. Le concept du paysage comme moyen de recherche-action a toujours été, et reste un axe fort dans son travail. Le processus est toujours en chantier, croisant la médiation phénoménologique et anthropologique, en étroit accord avec le lieu et ses biotopes botaniques propres. Les séries de dessins réalisés sur le terrain mettent en forme une construction conceptuelle de différents paysages. Ils nous font vivre par exemple, des approches sensibles via un un arbre pouvant être à la fois monument/patrimoine /espace-temps. Le dessin se fait alors paysage. Il nous faudra pour cela marche, contempler, flâner chacun à son propre rythme. Les processus expérimentaux sont liés à des techniques puisant au cœur-même de la tradition, nous amenant  ainsi à une œuvre méditative et symbolique. L'utilisation des matériaux organiques comme  les végétaux, et des méthodes traditionnelles telles que la gravure et la peinture avec des pigments naturels, des résines (la sève de Dracaena Draco ou « sang de dragon »). Cette recherche s’inspire du travail d’anciens pratiquants d'une recherche née autour des îles des Açores, en référence au sang de martyrs. Elle nous donne donne un aperçu de ces anciennes traditions au travers quelques gestes symboliques.

Rosário Forjaz (Portugal) Born in Mozambique. Lives and works in Porto, Portugal. Studied Fine Arts / Paint and works through drawing, engraving,  jewellery, ceramics, installation.The concept of Landscape as a means of research-action has always been a reference in my work. The process is continuous and lives from the phenomenological and anthropological mediation with the place that each botanical species inhabits. The series of dessins approached the conceptual construction of each landscape, recreated in an understanding of a tree that is both monument / heritage / time. Drawing is landscape. It is walking, contemplating is flowing at a rythm that is also ours. The experimentation of processes and techniques that are sourced with tradition, is a meditative and symbolic work. The use of organic materials and artisanal processes, such as engraving and tempering, of natural pigments and resins such as that of Dracaena draco / Blood of Dragons (a species that is the protagonist of extensive research in the insular context of the Azores), mimicking blood of martyrs, are an example.

http://rosarioforjaz.blogspot.fr/

[lindaclarinibijoux]

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55eStory @lindaclarinibijoux #inspiration #jewellery #seashells #music #love https://youtu.be/4rFB4nj_GRc #etbim Check Let's stay together Tina Turner #inperson 20.12.19 hum hum ! #attendsjetexplique Voici la traduction #joursetnuits, regarde : il est amoureux de sa musique c'est insupportable cette distance : il ne faut pas qu'elle parte comme ça. Il enlève l'info essentielle quand il parle de musique, ce qu'il ressent et ce qu'il propose : il a trop mal, le gars ne veut pas que la fille le laisse seul. Plus elle essaie de comprendre, plus il dit de trucs, plus il se contredit, selon la fille. J'ai simplifié mais sur le moment c'est incompréhensible. Trop tordu, même pour elle : il alterne t'es la plus yes mais t'es trop loin. Alors non. Il est factuel, trop. Il essaie de l'aider, il lui rappelle ce qu'elle a dit à la dernière soirée sur un ton de reproche (!?) : - Oui mais tu m'as dit que tu aimais ma musique ! Ca mérite une explication : il interprète un truc qu'elle a dit sur sa fragilité (une première pour la fille, dur), c'est leur hobby préféré les deux l'interprétation, sont forts mais pas assez sûrs d'eux en musique sachant tout ce qu'ils comprennent sans que l'autre le dise, c'est ouf. #ultraconnectesmaisdebordes Comme il l'a si bien chanté, il n'a jamais été aussi triste parce qu'il est amoureux comme jamais de la fille qui était partie pour lui dire qu'elle est amoureuse de sa musique mais qui le nie (1000000 d'écoutes 13.05). La fille s'était effectivement lancé elle est au début de sa déclaration quand elle le checke : pas de réaction, pas de geste doux, pas de sourire ou même d'intérêt, visage de marbre, ça a stoppé net la fille alors qu'elle était bien partie. Elle explosion en plein vol, lui trop de pression. Elle sourit, trop. Ça vient de là, le ton de reproche, sur le moment la fille a cru qu'il disait je ne veux pas de toi. Alors qu'elle partait pour l'endorser à vie son catalogue hors-norme, elle se met un gros stop mais il la grille bien sûr. Aaaah lala tout ça est... Oui, tellement ridicule, bête et triste #gachis C'est mieux de s'envoyer de la musique et de se caler doucement. Ils doivent se revoir. ... (à Linda Clarini Bijoux en coquillages) https://www.instagram.com/p/B6Rjj-DqOJE/?igshid=k2jxrre6layy

[courtneytincher]

How We Can Stop Global Money Laundering

As economies become more interconnected and globalized and the borders between countries and jurisdictions effectively disappear, the complexity of financial trans­actions is reaching new levels. The fundamental difference between the current stage of glo­balization and the previous one that unfolded in the late nineteenth and early twentieth centuries consists of both the direction of capital flows and the entities they originate from. If one looks back, then one might realize that between 1870 and 1913 the major European nations (Great Britain and France) invested abroad 6.5 and 3.7 percent of the­ir GDP respectively. In the case of Great Britain, this amounted to approximately 34 percent of its total capital investments). However, there was virtually no money from “peripheral” countries that was deposited in British and French banks, and there were only a few dozen properties that were ow­ned by investors from these countries. Moreover, if there were cases of wealthy overseas entrepreneurs or noblemen bringing money to the most developed nations of the time, they were well-known, with their properties being perfectly do­cumented. In our day, everything has changed in this regard: every year $800 billion to $2 trillion, or roughly 10 percent of the combined GDP of the European Union, ar­­rives to global financial capitals like London, New York, or Zurich from “developing” countries, many of which are label­led so by mista­ke. Most of this money comes through various “off-shore” jurisdictions that were created after the famous decision by the Bank of England in 1957 that authorized the holding of the deposits in pounds outside Britain, with its owners unknown.In recent decades, a completely new industry has emerged which is focused entirely on processing these funds and putting them in safety outside the countries where they were “harvested.” It includes the investment bankers who attract the money and either deposit it or place it into different investment funds and SICAVS (open-ended, collective investment schemes); the lawyers which oversee a large network of offshore and shell companies, trusts and SPVs which regulate in accordance with current regulation; the crowds of nominal directors and legal owners; the real estate agents and luxury developers who sell the overpriced assets to the super-rich; the producers of exclusive goods from jewellery and watches to luxury cars and megayachts; and even the government officials who elaborate different “citizenship-for-invest­ment” programs. The sco­pe of this group is rather small; I would argue with great certainty that it doesn’t ex­ceed twenty thousand people all around the world. The impact of this new industry on the global economy is enormous. Today, about a third of all multinational corporations’ FDI goes through different tax havens which results in massive tax avoidance; the fi­gures for the corporate sector are unknown, but the most conservative assessments for tax evasion amongst individuals reach $1 trillion per year. The investment funds and large banks which claim to be completely transparent, are often sued for violating different money-laundering acts or sanction regimes—and if are accused and fined, the average fine they agree to pay has sky­rocketed from $22 million in the mid-2000s to $1.6 billion in 2014–2015. The largest fine, at $9 billion, was paid by BNP-Paribas when it settled its dispute with the U.S. Justice Department in June 2014. But how can the legal banking business repay such substantial amounts and manage to stay afloat? What operati­ons aren’t uncovered that allow such funds and banks to prosper? People should not be fooled about their nature as more than $230 billion was laundered in 2007–2015 by the Estonian subsidiary of Danske Bank, which represented a nation with a GDP that is eight times smaller than this sum, and which is proudly ranked eighteenth in the 2018 Global Transparency Index and sixteenth in the Doing Business 2018 survey. Around thirty-five thousand houses and apartments in Lon­don, as it was recently revealed, are owned by compa­nies whose real beneficiaries remain unknown, and in New York City, close to 250,000 apartments in residential buildings are unoccupied, with at least half being bought in the name of offshore companies. I’m not addressing the issue of where the world’s superyachts or business jets are registered—more than 80 percent of these “luxury toys” carry flags of countries with low taxes.All of this depicts the reality of the modern money laundering business that has beco­me part of today’s “financial capitalism.” Many left-wing writers argue that it de­vastates the peripheral nations—and I agree with that argument—but what’s much more im­portant, I believe, is to mention that this new reality harms developed nations just as similarly as developing nations.The “traditional” arguments include the main thesis about “plundering” the peri­pheral countries from where the money originates and of “enrichment” of already wealthy nations where the money is direc­ted—but such a statement is not suffi­cient. First of all, the inflow of dirty funds from the global “South” distorts the normal functioning of European and American business. The cities to which the super-rich flock are becoming too expensive for the locals and their econo­my often becomes disrupted and is pushed to the brink of crisis. More and more city dwel­lers are sque­ezed into suburbs, and the local authorities must invest more money into afforda­ble housing. In London, these allocations rose to £3.15 billion which are to be spent on new ninety thousand affordable homes between 2017 and 2020. The financial system is overloaded by launde­red funds and bubb­les become more widespread and common. As I mentioned earlier, in some cases, illicit dealings with money flows from the global periphery lead to claims and pe­nalties by the authorities, which in turn only push the bankers to take a higher-ris­k business strategy to cover the losses. The governments of European count­ri­es are facing dilemmas with the new capital inflows: on the one hand they should encourage them but on the ot­her they feel obliged to defend their political and judiciary system from corrupti­on. But with three-fifths of the United Kingdom’s richest residents being either foreign nationals or foreign-born (as are thirty-five out of fifty-five billionaires residing in London), it becomes more problematic from year to year.But there is another side of the issue which is much less studied. As poorer nations become more corrupt and their politicians and businessmen try to channel their capital to Europe, the quality of life in these countries decreases even further, and desperate peo­ple start to emigrate. Of the top ten countries that have seen the highest levels of emigration into the EU in the 2010s, eight (Pakistan, Ukraine, Iran, Nigeria, Bangladesh and Syria) are found at the lowest ranks (from 117 and 178) in the 2018 Corruption Perception Index. So by accepting hundreds of millions of dollars into European banks, the European authorities must pay dozens of billions of euros to accommodate new migrants while also facing growing social tensions caused by this inflow. Moreover, I would add that emigration from the peripheral nations, which is caused by the corrupt governments, jeopardizes their development since it deprives them of their best human capital, which has resulted in ma­ny cases in ethnic and civil conflicts which often descend into full-scale civil war (this was the case of the Democratic Republic of the Congo after Mobutu Sese Seko, one of the world’s corrupt dictators, fled to France where his fortune was kept, in 1997). Western countries are then forced to spend additional billions to provi­de food, medical care, and even armed humanitarian assistance to the nations ruled by the most renown kleptocrats. This is a very high price for the joy of allowing several thousand people to manage money laundering operations from their luxury offices in London or Zürich—and I would also argue that this joy contributes to an “import of corruption” from the global periphery to the core (I am reminded of the well-known story of a Scottish-based “laundromat” that allowed the Azerbaijani political elite to squeeze billions of dollars from its country and to use it, inter alia, to co­ver legitimate lobbying for Azerbaijan and its state-owned companies in European capitals).But why does the fight against this evil appear so ineffective? Why are the people that stripped their states of their taxpayers’ money, presided over the largest delibe­rate bank failures, or those engaged in looting the na­tural resources of their co­untries, all still living in Europe without experiencing any consequences? I think at least fo­ur systemic problems exist that make this possible. First, I would argue that the main focus these days is made on one issue—on the so called “problematic jurisdictions” which the West’s authorities believe are either engaged in offshore banking or lack the necessary financial regulations. Many lists of these countries were drafted in recent years, with the American “Financial Action Task Force” (FATF) and the European Union’s list being the most well-known. As of Jan. 1, 2012, the first one comprised forty states and territories, and the second as of March 2019 has sixteen. Both do not include, for example, either Russia nor China. Russia was successfully removed from the FATF list back in 2003 and has never appeared on the European Union’s list—even tho­ugh it’s a common point that the Russians are among the lar­gest final beneficiaries of companies that own real estate in the UK, Spain, and some other European countries. China never appeared on both lists while the offshore companies controlled by the Chinese are among the most active buyers of expen­sive mansions in the United States. At the same times, there are many countries on the list that might harbour terrorists and jihadis, but do not possess either the funds to be launde­r­ed nor the modern banking systems that would allow to transfer these money into the European banks. The excessive attention to the “intermediate” countries rather than to the places from where the money really originates is, I believe, the first tre­mendous challenge the fight against money laundering faces today.Second, the control over the allegedly dirty money in the “recipient” countries is quite weak. I would say that the very term “due diligence” shouldn’t be used for the description of what’s going on in Europe and in the United States. One can remember the most famous cases—like the case of Arthur Andersen insisting on Enron’s firmness five months prior to its bankruptcy; the case of Moody’s, Standard & Poor’s and Fitch drawing the AAA ratings to the “subprime” mortgage-backed securities in the wake of the 2008 crisis; the case of Wachovia which laundered close to $500 billion of drug cartels affiliated money in 2000s, etc. If it co­mes to purchases of the expensive real estate, as one can see, remaining in the shadows is even easier. The “investments” into the wealthy countries are welco­med by their governments—today, even the EU nations effectively sell citi­zenships or permanent residencies in hun­dreds of ways with the cheapest ones (as in Malta, Cyprus or Bulgaria) requiring not mo­re than Є1.2-2.0 million to attain citizenship. The British, who introduced “unexplained wealth orders” as part of the Criminal Finances Act of 2017, used this tool to prosecute only one person since the orders went into force—and I would remind that there are thirty-five thousand real estate units in Lon­don with a value of around $70 billion, which were paid for by unknown sources and belong to undisclosed owners. A total revision of the banking ac­counts owned by foreign residents and/or com­pani­es, as well as the real esta­te bought by such entities should be under way—but in most cases the lo­cal authorities prefer only to le­vy additional taxes on such objects rather than find the sources of mo­ney that bought them.Third, I would say that there’s a fascinating multitude of laws and regulations that are applied to tracking money flows in different countries. No pan-Eu­ropean register of real estate exists; the banking regulations in Switzerland differ greatly from those in the EU countries; special regimes like the Liechtenstein-based trusts or Sociétés civiles d’immobilier founded in Monaco or Luxembourg are used for acquiring objects throughout Europe; British law is different from the continental one and will become even more different after Brexit is finalized. At the same time, all these jurisdictions are considered “safe”—so if someone sells a mansion in the UK or transfers funds from his Swiss bank account there will be no formal procedures in place to verify money’s origins. Without all these rules being standardized, if not unified, any progress in combating money laundering practices seems to be a pipe-dream—but I would say that in recent years the legislation is becoming rather more diversified than normalized. Of course, in some cases there might be expectations—like the one that happens today with the Russians who become extremely “toxic” if it comes to opening new banking accounts or acquiring property; but I would argue it happens not so much be­cause of the spread of corruption in Russia or since Russia’s “presen­ce” is too obvious in Europe, but exclusively due to the sanctions against Russia that were introduced because of the violation of international law and interfere­nce into other nations’ domestic affairs.Fourth, there is another issue which deals with the growing problem of “state capture” on the world’s periphery. I’m addressing the very simple fact that most countries, if their authorities suppose some money parked in their banks or used for acquiring some property there, used to ask the authorities of those states where either the money or its owner originated from, and about his criminal records or/and the nature of the mentioned funds. If the originating country is not only corrupt, but acts as a state totally “captured” by its ruling elite where money is ea­sily exchanged for power, and vice versa, its authorities would prove the absence of any wrongdoings. Some authors argue that these days the political eli­tes in many countries have completely merged with the business ones, and call such nations a business-states—so in all these cases the Western judiciary looks almost impotent in ad­dressing the most vital money laundering cases. The renowned international bo­dies, like, e.g., Interpol, are also acting on the same basis and will not hunt anyone in case the national bureaus initiate the search. So I would say once again that if some wealthy person from a deeply corrupt state with good political con­nections launders money in Europe or the United States, there is highly unlikely she or he will be accused of any wrongdoing (even if regimes collapse, nothing may change—e.g., Ukrainian authorities after the Euromaidan did virtually nothing for chasing the funds of corrupt officials from the previous government owned in the European countries).So what is to be done in such circumstances?I would argue that what we need is an institution that is able to confront money lau­n­dering activity and all types of corruption globally, or at least for the sake of all developed countries where dirty money are accumulated and invested. Therefo­re, we need an international organization that can either establish new rules for fi­gh­ting illegal financial operations or at least use the existing ones on its own, without needing to as­k governments for approving its actions. If one takes all these points into ac­count the only option that suits them all will be to create an International Finan­cial Court since the judiciary is the branch of authority that acts independently from the executive. Such an International Finan­cial Court might possess several crucial features.To start with, the court can be established by several nations and blocks which consider themselves as “transparent” and “doing their best” to fight financial fraud. The European Union, the United Kingdom (in case Brexit finally happens), Japan, Canada, and some Asian countries relatively free from corruption might become the founding signatories to its statute (another approach may be based, for exam­ple, on invol­ving all the OECD nations into the new venture—and if the count­­ries that benefit the most from these schemes, like the United States or Britain, will oppo­se the measure, it could be introduced either by France or even by some of the pe­ripheral countries). The major idea behind this move is that the court may first make its rulings based on natio­nal legislation (e.g., the British law about Unexplained Wealth Orders), but these rulings will have an equal power in all the states that ratified the court’s statute. In the long run, therefore, the anti-corruption and anti-money laundering practices of all the “transparent” and “decent” nations will move closer to one another and may eventually even merge into one code of conduct. There is a long story in the West telling us how effective the courts had been in implemen­ting laws and treaties that were adopted by executive authorities. The Fourteenth Amen­d­ment to the U.S. Constitution declaring equal rights for African Americans in 1868, was de facto enacted by the 1954 Supreme Court ru­ling in the Brown v. The Board of Education case, while the provisions of the Tre­a­ty of Rome which established the European Communities in 1957 beca­me fully im­plemented only after European Court of Justice’s landmark Cassis de Dijon ruling of 1979. The courts, I would argue, have a powerful say in putting into acti­on the laws and rules that already exist but are easy to be avoided, and this is the major reason why I am advocating for a new international judicial institution to combat these problems.What makes the new anti corruption vehicle so different from any other international organization?First of all is its independent character. The  International Finan­cial Court might be able to nominate in­dependent counsels, prosecutors and investigators not reporting to the national law enforcement agencies, with their powers co­vering the territory of all parti­cipating states. Its rulings, as I already noted, should have uni­versal reach—that means that, in due course, they will be implemented into the national legislation. Both features greatly enhance the court’s reach and authority.The next crucial point is the system of claims behind the cases the court investigates and deliberates. These claims might be filed by any private or corporate person who considers itself a complainant or aggri­eved—and in this case the set of actors might be very wide, beginning from any taxpayer in the country where money originates or from a client of any bank ruined by its owners. The claims would be directed towards any citizen of the country where the money goes whose ri­ghts have been violated by the decreasing level of decency in his country’s governing authorities caused by the inflow of “dirty funds.” This me­ans the propo­sed option is able to overcome the negligence of the national investigators who, for different re­asons, might be disinclined from launching an inquiry into the nature of unexplained funds or its uses inside the receiving nations’ financial do­mains.Yet what may become the court’s greatest advantage is its powers to block and arrest the funds and assets owned or controlled by the citizens of the countries which did not become signatories of its Statute, but whose funds and assets are on the territory of its member na­tions. This very fact might undermine the fundamental principle of safety that today motiva­tes corrupt individuals and entities from around the world to hide their property ab­road: just imagine how senseless such a move will become if an anti-corruption activist’s documented claim sent from the country where the money was stolen, can cause the seizure of funds in the country where either the real estate was ac­quired or the bank deposit was opened. Even though the court may not become a well functioning institution overnight, it can be anticipated as a crucial danger by anybody engaged in corrupt and illicit financial operations around the world, therefore, greatly curb the inflows of “dirty money” from the peripheral nations to the developed ones.Moreover, and this is extremely important for the revitalization of the global civil society, the anti-corruption activists across the globe would, for the first time, get a proper global partner whom they might appeal. Organizations like the Organized Crime and Corruption Reporting Project, not to mention less renown national groupings who will submit a substantial number of duly verified claims, might get special representation with the court. Furthermore, people con­cerned with growing corruption around the world will get additional reasons for uniting and working together since they will get a clear addressee for their work. I believe that this issue cannot be overestimated: In most countries plagu­ed with rampant corruption, citizens remain passive first of all because they are discouraged by the lack of response from both the national regulators, law en­forcement agencies, and even from international investigators since corrupt officials possessing either accounts in Panama or real estate in London don’t feel any pressure inside their own countries.The last advantage of the International Finan­cial Court might beco­me its records which—unlike the records and databases of either In­terpol or nati­onal law enforcers—will be open to the public and electro­nically accessible from any place in the world. This would contribute to the emer­gence of the first truly global database of corrupt officials, doubtful jurisdic­tions, banks involved in processing “dirty money,” as well as the law offices and attorneys most closely linked to money laundering operations. Such an open database may, as I believe, erode the very foundations of the secrecy that allows the international corruption and money laundering to flourish in today’s world.To make one final observation, I would contend that governments in all nati­ons across the world will face very powerful pressure from their citizens to sign the International Finan­cial Court’s statute and to become the part of that global body. In the case that the largest global powers—the United States, China, and Russia—are not participating in the International Criminal Court, it will be much more difficult for those authorities to explain to their subjects why they should remain outside the new system, especially if they are pretending they are doing their best to eliminate corrupt practices inside their own borders. It might be framed as the debate over war crimes—which in many nations are believed to be a “natural part” of the respective countries’ “real sovereignty” (a term widely used in Russia and coined by former Deputy Defense Minister Andrei Kokoshin)—but the negative attitude to corrup­tion and the misuse of power transcends national borders and ideological fractures. Thus, the dissenters in many parts of the globe will get a very simple “foothold,” on which they might hope to make things change.Alexander Lebedev, a Russian entrepreneur and philantropist, is the primary share­holder of the National Reserve Corporation in Moscow and the financial backer of both The Independent and The London Evening Standard in London.Image: Rueters

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As economies become more interconnected and globalized and the borders between countries and jurisdictions effectively disappear, the complexity of financial trans­actions is reaching new levels. The fundamental difference between the current stage of glo­balization and the previous one that unfolded in the late nineteenth and early twentieth centuries consists of both the direction of capital flows and the entities they originate from. If one looks back, then one might realize that between 1870 and 1913 the major European nations (Great Britain and France) invested abroad 6.5 and 3.7 percent of the­ir GDP respectively. In the case of Great Britain, this amounted to approximately 34 percent of its total capital investments). However, there was virtually no money from “peripheral” countries that was deposited in British and French banks, and there were only a few dozen properties that were ow­ned by investors from these countries. Moreover, if there were cases of wealthy overseas entrepreneurs or noblemen bringing money to the most developed nations of the time, they were well-known, with their properties being perfectly do­cumented. In our day, everything has changed in this regard: every year $800 billion to $2 trillion, or roughly 10 percent of the combined GDP of the European Union, ar­­rives to global financial capitals like London, New York, or Zurich from “developing” countries, many of which are label­led so by mista­ke. Most of this money comes through various “off-shore” jurisdictions that were created after the famous decision by the Bank of England in 1957 that authorized the holding of the deposits in pounds outside Britain, with its owners unknown.In recent decades, a completely new industry has emerged which is focused entirely on processing these funds and putting them in safety outside the countries where they were “harvested.” It includes the investment bankers who attract the money and either deposit it or place it into different investment funds and SICAVS (open-ended, collective investment schemes); the lawyers which oversee a large network of offshore and shell companies, trusts and SPVs which regulate in accordance with current regulation; the crowds of nominal directors and legal owners; the real estate agents and luxury developers who sell the overpriced assets to the super-rich; the producers of exclusive goods from jewellery and watches to luxury cars and megayachts; and even the government officials who elaborate different “citizenship-for-invest­ment” programs. The sco­pe of this group is rather small; I would argue with great certainty that it doesn’t ex­ceed twenty thousand people all around the world. The impact of this new industry on the global economy is enormous. Today, about a third of all multinational corporations’ FDI goes through different tax havens which results in massive tax avoidance; the fi­gures for the corporate sector are unknown, but the most conservative assessments for tax evasion amongst individuals reach $1 trillion per year. The investment funds and large banks which claim to be completely transparent, are often sued for violating different money-laundering acts or sanction regimes—and if are accused and fined, the average fine they agree to pay has sky­rocketed from $22 million in the mid-2000s to $1.6 billion in 2014–2015. The largest fine, at $9 billion, was paid by BNP-Paribas when it settled its dispute with the U.S. Justice Department in June 2014. But how can the legal banking business repay such substantial amounts and manage to stay afloat? What operati­ons aren’t uncovered that allow such funds and banks to prosper? People should not be fooled about their nature as more than $230 billion was laundered in 2007–2015 by the Estonian subsidiary of Danske Bank, which represented a nation with a GDP that is eight times smaller than this sum, and which is proudly ranked eighteenth in the 2018 Global Transparency Index and sixteenth in the Doing Business 2018 survey. Around thirty-five thousand houses and apartments in Lon­don, as it was recently revealed, are owned by compa­nies whose real beneficiaries remain unknown, and in New York City, close to 250,000 apartments in residential buildings are unoccupied, with at least half being bought in the name of offshore companies. I’m not addressing the issue of where the world’s superyachts or business jets are registered—more than 80 percent of these “luxury toys” carry flags of countries with low taxes.All of this depicts the reality of the modern money laundering business that has beco­me part of today’s “financial capitalism.” Many left-wing writers argue that it de­vastates the peripheral nations—and I agree with that argument—but what’s much more im­portant, I believe, is to mention that this new reality harms developed nations just as similarly as developing nations.The “traditional” arguments include the main thesis about “plundering” the peri­pheral countries from where the money originates and of “enrichment” of already wealthy nations where the money is direc­ted—but such a statement is not suffi­cient. First of all, the inflow of dirty funds from the global “South” distorts the normal functioning of European and American business. The cities to which the super-rich flock are becoming too expensive for the locals and their econo­my often becomes disrupted and is pushed to the brink of crisis. More and more city dwel­lers are sque­ezed into suburbs, and the local authorities must invest more money into afforda­ble housing. In London, these allocations rose to £3.15 billion which are to be spent on new ninety thousand affordable homes between 2017 and 2020. The financial system is overloaded by launde­red funds and bubb­les become more widespread and common. As I mentioned earlier, in some cases, illicit dealings with money flows from the global periphery lead to claims and pe­nalties by the authorities, which in turn only push the bankers to take a higher-ris­k business strategy to cover the losses. The governments of European count­ri­es are facing dilemmas with the new capital inflows: on the one hand they should encourage them but on the ot­her they feel obliged to defend their political and judiciary system from corrupti­on. But with three-fifths of the United Kingdom’s richest residents being either foreign nationals or foreign-born (as are thirty-five out of fifty-five billionaires residing in London), it becomes more problematic from year to year.But there is another side of the issue which is much less studied. As poorer nations become more corrupt and their politicians and businessmen try to channel their capital to Europe, the quality of life in these countries decreases even further, and desperate peo­ple start to emigrate. Of the top ten countries that have seen the highest levels of emigration into the EU in the 2010s, eight (Pakistan, Ukraine, Iran, Nigeria, Bangladesh and Syria) are found at the lowest ranks (from 117 and 178) in the 2018 Corruption Perception Index. So by accepting hundreds of millions of dollars into European banks, the European authorities must pay dozens of billions of euros to accommodate new migrants while also facing growing social tensions caused by this inflow. Moreover, I would add that emigration from the peripheral nations, which is caused by the corrupt governments, jeopardizes their development since it deprives them of their best human capital, which has resulted in ma­ny cases in ethnic and civil conflicts which often descend into full-scale civil war (this was the case of the Democratic Republic of the Congo after Mobutu Sese Seko, one of the world’s corrupt dictators, fled to France where his fortune was kept, in 1997). Western countries are then forced to spend additional billions to provi­de food, medical care, and even armed humanitarian assistance to the nations ruled by the most renown kleptocrats. This is a very high price for the joy of allowing several thousand people to manage money laundering operations from their luxury offices in London or Zürich—and I would also argue that this joy contributes to an “import of corruption” from the global periphery to the core (I am reminded of the well-known story of a Scottish-based “laundromat” that allowed the Azerbaijani political elite to squeeze billions of dollars from its country and to use it, inter alia, to co­ver legitimate lobbying for Azerbaijan and its state-owned companies in European capitals).But why does the fight against this evil appear so ineffective? Why are the people that stripped their states of their taxpayers’ money, presided over the largest delibe­rate bank failures, or those engaged in looting the na­tural resources of their co­untries, all still living in Europe without experiencing any consequences? I think at least fo­ur systemic problems exist that make this possible. First, I would argue that the main focus these days is made on one issue—on the so called “problematic jurisdictions” which the West’s authorities believe are either engaged in offshore banking or lack the necessary financial regulations. Many lists of these countries were drafted in recent years, with the American “Financial Action Task Force” (FATF) and the European Union’s list being the most well-known. As of Jan. 1, 2012, the first one comprised forty states and territories, and the second as of March 2019 has sixteen. Both do not include, for example, either Russia nor China. Russia was successfully removed from the FATF list back in 2003 and has never appeared on the European Union’s list—even tho­ugh it’s a common point that the Russians are among the lar­gest final beneficiaries of companies that own real estate in the UK, Spain, and some other European countries. China never appeared on both lists while the offshore companies controlled by the Chinese are among the most active buyers of expen­sive mansions in the United States. At the same times, there are many countries on the list that might harbour terrorists and jihadis, but do not possess either the funds to be launde­r­ed nor the modern banking systems that would allow to transfer these money into the European banks. The excessive attention to the “intermediate” countries rather than to the places from where the money really originates is, I believe, the first tre­mendous challenge the fight against money laundering faces today.Second, the control over the allegedly dirty money in the “recipient” countries is quite weak. I would say that the very term “due diligence” shouldn’t be used for the description of what’s going on in Europe and in the United States. One can remember the most famous cases—like the case of Arthur Andersen insisting on Enron’s firmness five months prior to its bankruptcy; the case of Moody’s, Standard & Poor’s and Fitch drawing the AAA ratings to the “subprime” mortgage-backed securities in the wake of the 2008 crisis; the case of Wachovia which laundered close to $500 billion of drug cartels affiliated money in 2000s, etc. If it co­mes to purchases of the expensive real estate, as one can see, remaining in the shadows is even easier. The “investments” into the wealthy countries are welco­med by their governments—today, even the EU nations effectively sell citi­zenships or permanent residencies in hun­dreds of ways with the cheapest ones (as in Malta, Cyprus or Bulgaria) requiring not mo­re than Є1.2-2.0 million to attain citizenship. The British, who introduced “unexplained wealth orders” as part of the Criminal Finances Act of 2017, used this tool to prosecute only one person since the orders went into force—and I would remind that there are thirty-five thousand real estate units in Lon­don with a value of around $70 billion, which were paid for by unknown sources and belong to undisclosed owners. A total revision of the banking ac­counts owned by foreign residents and/or com­pani­es, as well as the real esta­te bought by such entities should be under way—but in most cases the lo­cal authorities prefer only to le­vy additional taxes on such objects rather than find the sources of mo­ney that bought them.Third, I would say that there’s a fascinating multitude of laws and regulations that are applied to tracking money flows in different countries. No pan-Eu­ropean register of real estate exists; the banking regulations in Switzerland differ greatly from those in the EU countries; special regimes like the Liechtenstein-based trusts or Sociétés civiles d’immobilier founded in Monaco or Luxembourg are used for acquiring objects throughout Europe; British law is different from the continental one and will become even more different after Brexit is finalized. At the same time, all these jurisdictions are considered “safe”—so if someone sells a mansion in the UK or transfers funds from his Swiss bank account there will be no formal procedures in place to verify money’s origins. Without all these rules being standardized, if not unified, any progress in combating money laundering practices seems to be a pipe-dream—but I would say that in recent years the legislation is becoming rather more diversified than normalized. Of course, in some cases there might be expectations—like the one that happens today with the Russians who become extremely “toxic” if it comes to opening new banking accounts or acquiring property; but I would argue it happens not so much be­cause of the spread of corruption in Russia or since Russia’s “presen­ce” is too obvious in Europe, but exclusively due to the sanctions against Russia that were introduced because of the violation of international law and interfere­nce into other nations’ domestic affairs.Fourth, there is another issue which deals with the growing problem of “state capture” on the world’s periphery. I’m addressing the very simple fact that most countries, if their authorities suppose some money parked in their banks or used for acquiring some property there, used to ask the authorities of those states where either the money or its owner originated from, and about his criminal records or/and the nature of the mentioned funds. If the originating country is not only corrupt, but acts as a state totally “captured” by its ruling elite where money is ea­sily exchanged for power, and vice versa, its authorities would prove the absence of any wrongdoings. Some authors argue that these days the political eli­tes in many countries have completely merged with the business ones, and call such nations a business-states—so in all these cases the Western judiciary looks almost impotent in ad­dressing the most vital money laundering cases. The renowned international bo­dies, like, e.g., Interpol, are also acting on the same basis and will not hunt anyone in case the national bureaus initiate the search. So I would say once again that if some wealthy person from a deeply corrupt state with good political con­nections launders money in Europe or the United States, there is highly unlikely she or he will be accused of any wrongdoing (even if regimes collapse, nothing may change—e.g., Ukrainian authorities after the Euromaidan did virtually nothing for chasing the funds of corrupt officials from the previous government owned in the European countries).So what is to be done in such circumstances?I would argue that what we need is an institution that is able to confront money lau­n­dering activity and all types of corruption globally, or at least for the sake of all developed countries where dirty money are accumulated and invested. Therefo­re, we need an international organization that can either establish new rules for fi­gh­ting illegal financial operations or at least use the existing ones on its own, without needing to as­k governments for approving its actions. If one takes all these points into ac­count the only option that suits them all will be to create an International Finan­cial Court since the judiciary is the branch of authority that acts independently from the executive. Such an International Finan­cial Court might possess several crucial features.To start with, the court can be established by several nations and blocks which consider themselves as “transparent” and “doing their best” to fight financial fraud. The European Union, the United Kingdom (in case Brexit finally happens), Japan, Canada, and some Asian countries relatively free from corruption might become the founding signatories to its statute (another approach may be based, for exam­ple, on invol­ving all the OECD nations into the new venture—and if the count­­ries that benefit the most from these schemes, like the United States or Britain, will oppo­se the measure, it could be introduced either by France or even by some of the pe­ripheral countries). The major idea behind this move is that the court may first make its rulings based on natio­nal legislation (e.g., the British law about Unexplained Wealth Orders), but these rulings will have an equal power in all the states that ratified the court’s statute. In the long run, therefore, the anti-corruption and anti-money laundering practices of all the “transparent” and “decent” nations will move closer to one another and may eventually even merge into one code of conduct. There is a long story in the West telling us how effective the courts had been in implemen­ting laws and treaties that were adopted by executive authorities. The Fourteenth Amen­d­ment to the U.S. Constitution declaring equal rights for African Americans in 1868, was de facto enacted by the 1954 Supreme Court ru­ling in the Brown v. The Board of Education case, while the provisions of the Tre­a­ty of Rome which established the European Communities in 1957 beca­me fully im­plemented only after European Court of Justice’s landmark Cassis de Dijon ruling of 1979. The courts, I would argue, have a powerful say in putting into acti­on the laws and rules that already exist but are easy to be avoided, and this is the major reason why I am advocating for a new international judicial institution to combat these problems.What makes the new anti corruption vehicle so different from any other international organization?First of all is its independent character. The  International Finan­cial Court might be able to nominate in­dependent counsels, prosecutors and investigators not reporting to the national law enforcement agencies, with their powers co­vering the territory of all parti­cipating states. Its rulings, as I already noted, should have uni­versal reach—that means that, in due course, they will be implemented into the national legislation. Both features greatly enhance the court’s reach and authority.The next crucial point is the system of claims behind the cases the court investigates and deliberates. These claims might be filed by any private or corporate person who considers itself a complainant or aggri­eved—and in this case the set of actors might be very wide, beginning from any taxpayer in the country where money originates or from a client of any bank ruined by its owners. The claims would be directed towards any citizen of the country where the money goes whose ri­ghts have been violated by the decreasing level of decency in his country’s governing authorities caused by the inflow of “dirty funds.” This me­ans the propo­sed option is able to overcome the negligence of the national investigators who, for different re­asons, might be disinclined from launching an inquiry into the nature of unexplained funds or its uses inside the receiving nations’ financial do­mains.Yet what may become the court’s greatest advantage is its powers to block and arrest the funds and assets owned or controlled by the citizens of the countries which did not become signatories of its Statute, but whose funds and assets are on the territory of its member na­tions. This very fact might undermine the fundamental principle of safety that today motiva­tes corrupt individuals and entities from around the world to hide their property ab­road: just imagine how senseless such a move will become if an anti-corruption activist’s documented claim sent from the country where the money was stolen, can cause the seizure of funds in the country where either the real estate was ac­quired or the bank deposit was opened. Even though the court may not become a well functioning institution overnight, it can be anticipated as a crucial danger by anybody engaged in corrupt and illicit financial operations around the world, therefore, greatly curb the inflows of “dirty money” from the peripheral nations to the developed ones.Moreover, and this is extremely important for the revitalization of the global civil society, the anti-corruption activists across the globe would, for the first time, get a proper global partner whom they might appeal. Organizations like the Organized Crime and Corruption Reporting Project, not to mention less renown national groupings who will submit a substantial number of duly verified claims, might get special representation with the court. Furthermore, people con­cerned with growing corruption around the world will get additional reasons for uniting and working together since they will get a clear addressee for their work. I believe that this issue cannot be overestimated: In most countries plagu­ed with rampant corruption, citizens remain passive first of all because they are discouraged by the lack of response from both the national regulators, law en­forcement agencies, and even from international investigators since corrupt officials possessing either accounts in Panama or real estate in London don’t feel any pressure inside their own countries.The last advantage of the International Finan­cial Court might beco­me its records which—unlike the records and databases of either In­terpol or nati­onal law enforcers—will be open to the public and electro­nically accessible from any place in the world. This would contribute to the emer­gence of the first truly global database of corrupt officials, doubtful jurisdic­tions, banks involved in processing “dirty money,” as well as the law offices and attorneys most closely linked to money laundering operations. Such an open database may, as I believe, erode the very foundations of the secrecy that allows the international corruption and money laundering to flourish in today’s world.To make one final observation, I would contend that governments in all nati­ons across the world will face very powerful pressure from their citizens to sign the International Finan­cial Court’s statute and to become the part of that global body. In the case that the largest global powers—the United States, China, and Russia—are not participating in the International Criminal Court, it will be much more difficult for those authorities to explain to their subjects why they should remain outside the new system, especially if they are pretending they are doing their best to eliminate corrupt practices inside their own borders. It might be framed as the debate over war crimes—which in many nations are believed to be a “natural part” of the respective countries’ “real sovereignty” (a term widely used in Russia and coined by former Deputy Defense Minister Andrei Kokoshin)—but the negative attitude to corrup­tion and the misuse of power transcends national borders and ideological fractures. Thus, the dissenters in many parts of the globe will get a very simple “foothold,” on which they might hope to make things change.Alexander Lebedev, a Russian entrepreneur and philantropist, is the primary share­holder of the National Reserve Corporation in Moscow and the financial backer of both The Independent and The London Evening Standard in London.Image: Rueters

August 21, 2019 at 12:44PM via IFTTT

[gestejewellery]

En çok satılan altın kolyeler

Satın almadan önce, altın kolye seçerken dikkate almanız gereken bazı faktörler vardır. Bunlar arasında altının kalitesi, tasarımın dayanıklılığı, stilinizle uyumlu olup olmadığı gibi etmenler bulunur. Ayrıca, alacağınız kolyenin garanti belgesi ve sertifikası gibi belgeleri de talep edebilirsiniz. Bu sayede, kolyeyi güvenilir bir kaynaktan aldığınızdan emin olabilirsiniz.

Sonuç olarak, yeni sezonun en çok satılan altın kolye modelleri, kadınların şıklık ve zarafet ihtiyaçlarını karşılayacak birçok seçenek sunmaktadır. Stil sahibi ve trendlere uyum sağlamak isteyen kadınlar için, altın kolyeler mükemmel bir tercih olabilir. Her kadının tarzına ve zevkine hitap edebilen çeşitlilikteki modeller, farklı fiyat aralıklarında bulunur. Önemli olan, bütçenize ve tercihlerinize uygun olan en özel ve anlamlı takıyı seçmektir.

[backlinkcomtr]

Custom Hair Schmuck für Krebspatienten gemacht

Neuer Beitrag wurde veröffentlicht am https://neuestefrisuren2018.com/custom-hair-schmuck-fur-krebspatienten-gemacht.html

Custom Hair Schmuck für Krebspatienten gemacht

Es ist eine Krankheit, die der Menschheit am schlimmsten widerfahren ist. Schon der Gedanke an Krebs beunruhigt Sie. Aber ist es das Ende der Straße für Krebspatienten, besonders Frauen? Nein, das kann nicht sein! Krebs befällt den Körper, nicht die Hoffnung oder Erwartung einer Genesung. Dieser Gedanke wurde durch eine erstaunliche Geste bei krebsbetroffenen Frauen bestätigt.

Schon einmal gehört von Sybille Paulsen? Chancen sind nicht. Nun, sie ist die Person, die einen brillanten Weg für Krebspatienten gefunden hat, ihre Haare zu schätzen. Wie kannst du fragen?

Quelle: quadrespace.com

‘Tangible Truths’ – Sinnvoll emulieren

Das Projekt trägt den Titel “Tangible Truths”. Aber wie greifbar ist es? Paulsen sammelt die Haarproben ihrer Patienten, die durch Chemotherapie ihr natürliches Haar verlieren. Aus ihnen macht sie schöne Schmuckstücke. Was sich ausbildet, ist etwas Einzigartiges und ist eine bloße Erweiterung der Frau, von der die Haare kamen.

Auf ihrer Website erklärt Paulsen die Bedeutung des verlorenen Teils eines Krebspatienten in etwas Nützliches und Greifbares. Kudos zu ihr, nachdem ich das gesagt habe:

“ Die Artefakte, die ich aus den Haaren mache, markieren diese Transformation und offenbaren einen neuen Erfolg für die beteiligten Menschen zur meist überwältigenden Lösung. Die Veränderung wird sichtbar, nicht nur als verlorenes Haar, sondern auch als Transformation in etwas Wertvolles … Der Verlust schafft etwas Neues …. ”

Quelle: demilked.com [19659007] Der Prozess des Custom Hair Jewellery

Da jede Haarsträhne, die vom krebsbefallenen Patienten kommt, einzigartig ist, so ist auch jedes Stück maßgeschneiderten Haarschmuck. Es dauert nur wenige Tage bis Wochen, um den Herstellungsprozess dieses Haarschmuckes abzuschließen.

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Tatsächlich ist Paulsen an diesem Projekt so beteiligt, dass sie mit jedem Krebspatienten zusammenarbeitet, der sie beauftragt, ihre Haare für die Herstellung des Schmucks zu verwenden. Auf diese Weise erhalten die Patienten ihre jeweilige Haar-DNA in Glam-Stücke umgewandelt. Neben den an Krebs leidenden Patienten hilft Paulsen ihren Freunden und ihrer Familie, die in dieser schwierigen Situation gefangen sind.

Quelle: beautifuldecay.com

Erstes Treffen mit dem ersten Krebskunden [19659008] Paulsen legt Wert darauf, sich mit Frauen zu verbinden, für die sie Stücke schafft. Hier erfassen wir eine ihrer Erfahrungen mit ihrer ersten Patientin, Mary Beth.

Eines schönen Tages, als Paulsen und Mary trafen sich in den ersten Frühlingstagen in Berlin, sie gingen wie ein brennendes Haus durch. Mary arbeitete als Entwicklungshelferin in Afghanistan. Leider hatte sie Brustkrebs. Die Auswirkungen der Chemo waren ziemlich mürrisch, und Mary beschloss, sich die Haare abzuschneiden. Aber anstatt sich bei dem Haarausfall deprimiert zu fühlen, betrachtete sie es als eine Art Übergangsritus ins Erwachsenenalter. Dies bewegte Paulsen tief, da es viel bedeutete, von einem krebsbedingten Haarausfallpatienten zu kommen. Was für ein Kampfgeist es sein kann, dass Patienten sich stärker fühlen können, wenn sie mit einer Krankheit wie Krebs kämpfen!

Inspiriert von Mary Beth hat sich Paulsen auf die Mission begeben, die Haarsträhnen in einem Stück zu erfassen. Deshalb behandelte sie jede Haarsträhne mit reiner Hingabe. Wie sie sagte " ging viel Liebe und Geduld in das Wachstum dieser Haare und eine Menge Identität ist damit verbunden ."

Quelle: akamaihd.net [19659007] Patientin in Anerkennung

Nachdem sie das fertige Produkt gesehen hatte, war Mary Beth, die an Krebs erkrankt war, so bewegt, dass sie ihr Glück nicht verbergen konnte. Sie war so glücklich, herauszufinden, wie sie mit ihren Haaren verbunden sein konnte, obwohl sie nicht mehr auf ihrer Kopfhaut waren.

Sagte sie " Das freie Fließdesign des Projekts bedeutete, dass meine Haare nicht gewesen waren Ich verwandelte mich einfach in ein Stück Kunst, das von mir getrennt war. Der Fluss der Halskette, die sie (Paulsen) geschaffen hatte, schien irgendwie Teile von mir darin zu halten. Die Wellen der Haare ... sahen noch so lebendig und so voller Leben aus .... Ihre Arbeit berührte nicht nur mich, sondern auch jene, die mir hier in Berlin nahe standen, die es gesehen oder die Bilder gesehen haben . "

This ist eine Reflexion von Paulsens Mission. Es hat gezeigt, dass Krebspatienten nicht als hässlich angesehen werden müssen. Es gibt auch Schönheit in Transformationen. Man muss offen genug sein, um es zu sehen und anzuerkennen.

[teknobultenyaz]

altın kolye, altın bileklik, altın küpe, en çok satılan altın kolyeler, altın kolye modelleri, altın bileklik modelleri, 14 ayar kolye, hayat ağacı altın kolye, yaşam çiçeği altın kolye, güneş altın kolye, anka kuşu altın kolye, yusufçuk altın kolye, sonsuzluk altın kolye, yonca altın kolye, halka küpe modelleri, yonca altın bileklik

[ievag-blog1]

travelling

Stiuardesė uždeda dangtelį ant kavos puodelio ir maloniai nusišypso. Prieš mane kedėje motina sūpuoja kūdikį ir ramina, kad neverktų. Gretimoje eilėje žmonės vakarieniauja – ramadanas ir danguje ramadanas.

Išsitraukiu turguje pirktų figų ir datulių. Žiaurus klausimas staiga mane užklumpa saldžiam vaisiui palietus lūpas: kas aš? Ar mėgstu dėvėti daug aksesuarų? Ar bijau derėtis? Ranka nesąmoningai žaidžia su berberišku pakabuku pirktu Essaouiroje. Klajokliai naudojo jį naviguoti per dykumą naktį. Aš, kita vertus, iš visų žvaigždžių tepažįstu samtį – didžiuosius Grįžulo ratus. Prireikė kelių gėdingų nutikimų sau pripažinti, kad nė velnio nesiorientuoju aplinkoje. Kaip ir nieko baisaus, man patinka pasimesti, ypač įsivaizduojamų miestų gatvėse. Pasimetu miestuose, ar pasimetu ir savo tapatybėje? Mėgstu aksesuarus. Ir figas. Nesu tikra dėl datulių. Bet kažkur einu, kažką randu, kristalizuojasi pasakos galvoje, kristalizuojasi ir mano asmeninis mitas.

Vėl skrendu. Londonas – visai kaip Marokas. Tie patys žmonių klegesiai, purvas, prekeiviai siekia kažką kažkam parduoti, net jei ir virtinos šiek tiek prašmatnesnės. O gal aš pati Marokas. Gal vis dar akys nepriima kito miesto ženklų kalbos, gal dar hello my friend I have a very special price for you. Combien ça coûte? One pound fifty for a single journey. Tebūnie. Sėdu ir važiuoju, draugas parodo žymią beigelių krautuvėlę. “Nežinau, mėgsti silkę?””Nežinau, mėgstu pusryčius ir kavą”. Inshallah, one bagel with herring and a coffee, s'il vous plaît. Du svarai – net derėtis nereikėjo – lygiai tiek pat kiek mano pusryčiai Essaouiroj. Pravažiuojame hamamą. Oro uosto darbuotoja su skara ant galvos ir pavargusiomis akimis, please take out any liquids or laptops. Jai tikriausiai ramadanas, todėl stengiuosi greitai nusiauti batus.

Modern Tate’as – mano mečetė. Nusiimti kuprinę prieš įeinant. Naujos salė rodo tumpą dokumentiką apie Stuart Hall’ą ir vėl mano mintys grįžta prie tapatybės. Mes nusiderėjom įėjimą į miestelį prie Ouarzazatės, gal galėčiau įeiti į laikiną parodą nemokamai? Je suis un étudiant. Bet likęs menas nemokamai, ir man taip maža laiko.

Oro uoste eilės tautiečių, ir mane taip paprastai pavaišina šokoladu. No british politness, un geste très marocain. Padėkoju, pakalbame apie laiką. Dėl audros skrydis atidedamas, ir visi nori grįžti namo. Visi, tik ne aš, man visai gera ir čia, kažkur tarp Rabato – Londono – Kauno.

Kas mus skiria ir kas vienija? Viskas maišosi mano galvoje. Stuartas Hall’as kalbėjo apie darbininkų klasės jaunus šiaurės anglus, apie bendruomenes ir simbolius. Paimti, pakelti, padėti ant mano stalelio. Geras darbas visomis kalbomis geras darbas. Mazel tov, silkė beigelyje, praeina nuostabių plaukų mujer, ji kalba ispaniškai. Prie hamamo rūko stilingas tatuiruotas vaikinas vešlia barzda. Son cosas de la vida, rašo Boroughsas.

Londonas pardavinėja tapatybę geriau nei bet koks marokietis savo skaras. The culture of cool, šitoje žodžio ‘kultūra’ konotacijoje sutelpa pasauliai, kartos ir valdžios organai, geografinės lokacijos ir pieno kainos lyginiais metais.

Naked Lunch buvo mano šitos kelionės gidas. Jis ir Irano poečių darbų rinkinys Seven Valleys of Love. Pirmame – beprotystė ir žmogaus antžmogiškumas, žvėris, kurį kiekvienas atskirai ir kaip visuomenė slepiam nuo afišų, tamsiausia ir gajausia mūsų psyche dalis. Antrame – paprastas būties sudėtingumas,  absurdiškas buities gilumas, visa tai, kas žmogiška. Dar tiksliau: kas moterį daro žmogiška – lygiai taip pat pakišta po socialinės normos kilimu.

Moterys ir narkomanai. Lietuviai ir amazigai. Prekė ir tapatybė. Man vėl maišosi galva kažkelių kilometrų aukštyje, ir stiuardesė šįkart ruošia arbatą. Man vėl prieš akis mirga miestų šviesos, aš vėl kažką atrandu ir kažką pamirštu įspūdžių košėje.

 ***

Flight attendant closes a cup of coffee and gives me a kind smile. I look around, a woman in a chair in front of me is trying to get her baby to sleep. Some people are dinning – Ramadan is Ramadan, even in the sky.

I take out a bag of figues and dates, bought in some local market. A horrifying question hits me as sweet fruit reaches my lips: who am I? Do I like jewellery? Am I afraid of bargaining?

I unconsciously start playing with a berber necklace bought in Essaouira. Nomads were using this cross to navigate through the desert at night. Me, on the other hand, can only recognise the Plough – Ursa Major.

It took me a few embarassing situations to admit that I am absolutely crap at navigating. It’s not too bad, I quite enjoy getting lost in the streets of a new city, especially an imaginary one. If I get lost in cities, am I lost in my identity as well?

I do like jewellery. And I do like figues. Not so sure about the dates. But I am going somewhere, it seems, and I have my discoveries, and the stories crystallise in my mind at some point, so does my personal myth.

On a plane again. London is just like Morocco. The same chaos, the dirt, merchants trying to sell something to someone. The only difference is that the exterior is fancier.

Or maybe it is me who is just like Morocco. Maybe I cannot yet crack the code of a new city, maybe it’s still hello my friend I have a very special price for you. Combien ça coûte? One pound fifty for a single journey. Let’s go. I get in and we do go. A friend shows a famous bagel shop: “I don’t know, do you like herring?”,”I don’t know, I like breakfast and I need a coffee”. Inshallah, one bagel with herring and a coffee, s'il vous plaît. Two pounds – I didn’t even need to bargain – the same price I paid for my breakfast in Essaouira. We pass a hammam. A staff member in the airport is wearing a headscarf and has such tired eyes, please take out any liquids or laptops. I guess it’s Ramadan for her, so I tried to take off my shoes as quickly as I can.

Modern Tate is my mosque. To take the backpack off before entering. New spaces are exhibiting a short about Stuart Hall and my thoughts come back to the question of identity. We managed to talk the guides into a cheaper entrance to a town near Ouarzazate, maybe I could get into the temporary exhibition for free? Je suis un étudiant. But the rest of the art is accessible, and I am short on time.

There is a queue of fellow compatriots in the airport, and I get offered some chocolate. No british politness, un geste très marocain. Thank you, we chat about time for a bit. The flight is delayed due to a storm, and everyone is keen to home. Everyone but me, I am perfectly fine here, somewhere in between Rabat – London – Kaunas.

What unites and what separates us? My head is a mess. Stuart Hall was talking about working class youth in North England, about communities and their symbolisms. To lift it up and place it on my tray table. A good deed is a good deed, no matter the language.

Mazel tov, herring bagel, a mujer with gorgeous hair passes by, she speaks spanish. A stylish guy with tattoos and a great beard smokes next to a hammam. Son cosas de la vida, writes Boroughs.

London is selling identity better than any Moroccan does his scarves. The culture of cool. This patricular meaning of ‘culture’ contains worlds, generations and govermental bodies, geopolitical locations and prices of milk each odd year.

Naked Lunch was my travel guide this time. That, and Seven Valleys of Love, book of selected works form female Iranian poets. The former is full of madness and what is the most unhuman in the human nature; a beast which we hide, each individually and communally as a society; the darkest and most resilient part of our psyche. In the latter – the simple complexity of being; the absurd depth of everyday; everything that is human. More precisely, everything that makes woman a human – also swept away from the usual societal norms.

Women and addicts. Lithuanians and Amazighs. Commodity and identity. Once again I sit here, all confused, some kilmoteres above the ground, this time the flight attendant is preparing a tea. Once again I gaze at the lights of foreign cities through my window, once again I discover some and I forget some in the mist of sensations.

[gestejewellery]

Altın Kolye Seçiminde Dikkat Edilmesi Gerekenler

Altın kolye seçimi, stilinizi ön plana çıkarmak için önemli bir adımdır. Altın takılarınızı hem kendiniz için bir stil unsuru olarak kullanabilirsiniz, hem de sevdiklerinize hediye olarak verebilirsiniz. Ancak, doğru kolye seçim yapmak için bazı faktörleri göz önünde bulundurmanız önemlidir. İşte altın kolye seçiminde dikkat edilmesi gereken bazı önemli noktalar:

1. Kalite Kontrolü:

Altın kolye alırken kalite en önemli faktördür. Altının saflığı, kolyenin dayanıklılığını ve parlaklığını belirler. Genellikle altın kolyelerde kullanılan saflık oranları 14K, 18K veya 24K'tır. 24K altın en safıdır ancak diğer metallerle karıştırıldığında dayanıklılığı artırır. 14K altın ise daha yaygın olarak tercih edilen bir seçenektir çünkü saflığı yüksektir ancak dayanıklılığı da sağlamdır.

2. Stil ve Tasarım:

Kolye seçerken kişisel tarzınızı ve tercihlerinizi göz önünde bulundurmalısınız. Bazı kadınlar sade ve klasik bir tasarımı tercih ederken, bazıları ise daha gösterişli ve dikkat çekici modelleri sever. Altın kolyelerde bu anlamda geniş bir yelpaze bulunmaktadır. Bu nedenle tarzınıza ve kombinlerinize uygun olan kolye seçmek önemlidir.

3. Uzunluk ve Boyut:

Kolyenin uzunluğu ve boyutu da kolye seçiminde önemlidir. Öncelikle ince bir kolye mi yoksa daha kalın bir kolye mi istediğinize karar verin. Ayrıca, boyunuz ve yüz şekliniz de kolye seçiminde rol oynayabilir. Örneğin, uzun boylu insanlar genellikle daha uzun kolyeleri tercih ederken, kısa boylu insanlar daha kısa kolyeleri tercih edebilir.

4. Fiyat ve Bütçe:

Altın kolyeler yatırım amaçlı olarak da düşünülebilir. Bu nedenle bütçenizi göz önünde bulundurmak önemlidir. Ayırabileceğiniz bütçe kısıtlı ise 8 ayar veya 14 ayar daha uygun fiyatlı seçeneklerine göz atabilirsiniz. Bütçenize uygun bir kolye seçmek için www.gestejewellery.com çevrimiçi alışveriş mağazamızda araştırma yapabilirsiniz.

5. Koleksiyon ve Kombin

Eğer bir takım halinde kullanmayı düşünüyorsanız, altın kolyenizin diğer takılarınızla uyumlu olmasına dikkat edin. Örneğin, altın küpe veya bileziklerinizle uyumlu olacak bir kolye seçebilirsiniz. Ayrıca, altın kolyenizi farklı kıyafetlerle kombinlemeyi düşünerek çok yönlü bir seçim yapabilirsiniz. Bununla birlikte aşağıda bulunan “Mevsimlere Göre Altın TakıKullanımı Ve Renk Uyumları” yazımıza da göz atabilirsiniz.

6. Güvenilir Satıcılar:

Altın kolye satın alırken güvenilir satıcıları tercih etmek önemlidir. Güvenilir mağazalar veya güvenilir online satıcılar aracılığıyla alışveriş yapmak, kaliteli ve orijinal ürünler almanızı sağlayacaktır. Geste Jewellery olarak müşterilerimize tamamen orijinal ve kaliteli ürünleri sizlere sunmaktayız. Bununla birlikte her zaman müşteri memnuniyetini ön planda tutma gayreti içerisindeyiz. Web sayfamızdan altın kolye modelleri kategorisini ziyaret ederek beğendiğiniz modelleri güvenle sipariş verebilirsiniz.

7. Bakım ve Temizlik:

Altın kolyenizin ömrünü uzatmak için düzenli bakım ve temizlik yapmak önemlidir. Yumuşak bir gözlük bezi kullanarak kolyenizi nazikçe silin ve kimyasal maddelerden uzak tutun. Ayrıca, altın kolyenizi yatarken, duş alırken veya spor yaparken çıkarmayı unutmayın. Takılarınızı giymeden önce parfüm, losyon veya kozmetik ürünlerini kullanın. Kimyasal maddeler altının parlaklığını ve görünümünü etkileyebilir. Takılarınızı çıkarırken ellerinizi sabun veya kimyasallardan temizleyin.

Sonuç olarak, altın kolye seçerken dikkatli olmak ve kişisel tercihlerinizi göz önünde bulundurmak önemlidir. Kaliteli bir kolye seçerek uzun yıllar boyunca keyifle kullanabilir ve sevdiklerinize hediye edebilirsiniz. Unutmayın ki, doğru seçimle birlikte altın kolye size hem estetik bir görünüm kazandırır hem de değerli bir yatırım aracı olabilir.

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Altın Kolye, Küpe Ve Bileklik Modelleri: En Son Trendler

Altın Kolye Modelleri Altın Küpe Modelleri Altın Bileklik Modelleri

Altın Kolye Modelleri

Altın kolye modelleri, şıklığı ve zarifliğiyle dikkat çeken takıların başında gelir. Her tarza ve zevke uygun birçok farklı altın kolye modeli bulunmaktadır. İşte en son trendler arasında öne çıkan altın kolye modelleri:

İnce ve Zarif Kolyeler: Minimalist bir görünüm arayanlar için, ince ve zarif altın kolyeler ideal bir seçenektir. Bu modeller, zarif bir şekilde boyun çizgisini vurgulayarak şıklık katmaktadır.

Yıldız ve Ay Kolyeleri: Astronomiye ilgi duyanların tercih ettiği yıldız ve ay motifli kolyeler, son zamanlarda oldukça popüler hale gelmiştir. Bu kolye modelleri, modern ve şık bir hava yaratmaktadır.

Kalp Kolyeleri: Kalp motifli kolyeler, romantik bir görünüm yaratmak isteyenler için mükemmel bir seçenektir. Altın kalp kolyeler, sevgi ve tutkuyu temsil eden bir simge olarak tercih edilmektedir.

Figür Kolyeleri: Hayvan figürlerinin ve sembollerin kullanıldığı altın kolye modelleri, kişiliğinizi yansıtan bir seçim olabilir. Örneğin, güçlü ve özgüveni temsil eden bir aslan kolyesi veya zarif bir kelebek kolyesi tercih edebilirsiniz.

İsimli Kolyeler: Özelleştirilebilir altın kolyeler arasında en çok tercih edilenler, isimli kolyelerdir. Bu kolyelerde dilerseniz kendi veya sevdiklerinizin ismini yazdırabilir, onlara özel bir hediye verebilirsiniz.

Altın kolye modelleri arasında tercih yaparken tarzınıza ve kişiliğinize uygun bir seçim yapmaya özen gösterin. Hem günlük kullanıma uygun olan hem de özel günlerde şıklığınızı tamamlayacak modeller bulabilirsiniz. Unutmayın, altın kolye seçiminiz sizin stilinizin bir yansıması olacaktır.

Altın Küpe Modelleri

Altın küpe modelleri, bir kadının zarafetini ve şıklığını tamamlayan önemli aksesuarlardan biridir. Son trendler, farklı tarzlara ve zevklere hitap eden çeşitli altın küpe modelleri sunmaktadır. İşte en son moda olan bazı altın küpe modelleri:

Halka Küpeler: Minimalist ve şık bir görünüm isteyenler için ideal olan halka küpeler, günümüzde oldukça popülerdir. Farklı boyutlarda ve şekillerde bulunabilen halka küpeler, her türlü kıyafetle uyum sağlayabilir.

Taşlı K��peler: Taş detaylarıyla dikkat çeken altın küpeler, göz alıcı bir görünüm sunar. Zümrüt, safir, pırlanta gibi değerli taşlarla süslenen küpeler, özel davetlerde veya özel günlerde tercih edilebilir.

Geometrik Tasarımlar: Kare, üçgen veya dikdörtgen şekillerde olan altın küpeler, modern bir görünüm için tercih edilen modeller arasındadır. Geometrik tasarımlı küpeler, farklı renkli taşlarla veya tek renkli altın detaylarıyla süslenebilir.

Asimetrik Küpeler: Son dönemin trendlerinden biri de asimetrik küpelerdir. Farklı şekillerde ve boyutlarda olan küpeler, kişinin tarzını yansıtan özgün bir seçenek sunar.

İnce ve Uzun Küpeler: Zarif ve sade bir görünüm isteyenler için ince ve uzun altın küpe modelleri bulunmaktadır. Bu küpeler, özellikle abiye veya gece kıyafetlerine zarafet katar.

Altın küpe modelleri arasından tarzınıza ve kişisel zevkinize uygun olanı seçerek, her gün veya özel günlerde şıklığınızı tamamlayabilirsiniz. Küpelerinizi diğer altın aksesuarlarınızla ve kıyafetlerinizle uyumlu hale getirerek stilinizi tamamlayabilirsiniz.

Altın Bileklik Modelleri

Altın bileklikler, zarif ve şık bir görünüm elde etmek isteyen kadınların vazgeçilmez aksesuarlarıdır. Piyasada birçok farklı altın bileklik modeli bulunmaktadır. İşte en son trendler arasında öne çıkan bazı altın bileklik modelleri:

Zincir Bileklikler: İnce ve zarif bir görünüm sağlayan zincir bileklikler, klasik ve modern tarzı bir arada sunar. Farklı tasarımları ve uzunlukları ile her tarza uygun bir seçenek sunmaktadır.

Charm Bileklikler: Şık ve eğlenceli bir görünüm elde etmek isteyenler için charm bileklikler idealdir. Altın zincir üzerine takılan farklı semboller ve figürler, bilekliklere benzersiz bir hava katacaktır.

Taşlı Bileklikler: Parlak taşlarla süslenmiş altın bileklikler, şıklığı ve zarafeti bir araya getirir. Elmas, zümrüt, safir gibi değerli taşlarla süslenmiş modeller, özel günlerde veya davetlerde tercih edilebilir.

Deri Bileklikler: Farklı bir tarz arayanlar için deri bileklikler harika bir seçenektir. Altın detaylarla süslenmiş deri bileklikler, spor ve günlük kombinlerinize şıklık katabilir.

İsimli Bileklikler: Kişiselleştirme trendinin bir başka örneği olan isimli bileklikler, kendi isminizi veya sevdiklerinizin isimlerini taşıyarak özel bir anlam kazanır.

Altın bileklik modelleri arasından seçim yaparken, kendi tarzınıza ve giyim tarzınıza uygun olanı tercih etmeyi unutmayın. İyi bir kuyumcuyla çalışarak, kaliteli ve özgün bir altın bileklik sahibi olabilirsiniz. Geste Jewellery olarak en kaliteli işçilikli ürünleri en uygun fiyat politikası ile sizlere ulaştırıyoruz.

Alıntı: https://www.gestejewellery.com/altin-kolye-kupe-ve-bileklik-modelleri-en-son-trendler

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Lotus Çiçeği Altın Kolye: Zarafetin ve Anlamın Buluştuğu Takılar

Lotus çiçeği, doğanın simgesel güzelliklerinden biridir ve bu güzellik, mücevher dünyasında da özel bir yer bulmuştur. Altın kolyelerde lotus çiçeği motifleri, estetik açıdan çarpıcı ve anlamlı takılar yaratmak için kullanılmaktadır. Bu makalede, lotus çiçeği altın kolye modelleriyle ilgili sizlere rehberlik edeceğiz.

Lotus Çiçeği Altın Kolye: Lotus çiçeği altın kolyeler, zarafetin ve doğanın güzelliklerinin birleşimini temsil eder. Bu modeller genellikle ince işçilik, detaylı tasarımlar ve altının değerli parlaklığı ile öne çıkar.

Altın Lotus Çiçeği Kolye Modelleri: Altın lotus çiçeği kolye modelleri, farklı tasarım detayları ve boyutlarda sunulur. Minimalist çizgilerden, taşlarla süslenmiş gösterişli modellere kadar geniş bir yelpazede seçenekler mevcuttur.

Lotus Çiçeği Altın Kolye Fiyatları: Lotus çiçeği altın kolye fiyatları, kullanılan altın ayarı, tasarım karmaşıklığı ve markaya bağlı olarak değişiklik gösterir. Farklı fiyat aralıklarında bulunan modeller, her bütçeye uygun seçenekler sunar.

Lotus Çiçeği Kolye ve Anlamı: Lotus çiçeği, Hinduizm ve Budizm gibi kültürlerde temizlik, yeniden doğuş ve ruhsal büyüme sembolü olarak kabul edilir. Bu nedenle, lotus çiçeği altın kolye takmak, anlam dolu bir tercih olabilir.

Zarif Lotus Çiçeği Altın Kolye Ucu Modelleri: Kolye ucu detayları, lotus çiçeği altın kolyelerini tamamlar. Zarif ve özenle işlenmiş kolye ucu modelleri, takının estetiğini ön plana çıkarır.

Lotus Çiçeği Kolye Bakımı ve Temizliği: Lotus çiçeği altın kolye bakımı, takınızın uzun ömürlü olmasını sağlar. Doğru temizlik yöntemleri ve bakım ipuçları ile kolyenizin ilk günkü parlaklığını koruyabilirsiniz.

Lotus çiçeği altın kolyeler, estetik ve anlam arayanların tercihi olmaya devam ediyor. Her bir model, hem görsel olarak çekici hem de ruhsal bir derinlik taşıyor. Kendinize veya sevdiklerinize özel bir anlam katmak için lotus çiçeği altın kolyeleri inceleyerek, doğanın sembolizmini günlük yaşamınıza taşıyabilirsiniz. Lotus çiçeği altın kolye modelleri ve fiyatları için geste jewellery online mağazasını ziyaret edebilirsiniz.