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You most probably have overheard that from the historical origin of Catalan.Catalan originated from the so called ‘vulgar latin’, that is, as a broader form of Latin among common population. Imagine now that Latin is a language in IXth c. south Europe that, only few higher means people start to learn. And so, for example, if mass had to be delivered in Latin and peasants did not understand it… what was mass useful for?So in the end we accept that Catalan evolved pretty explosively and had expanded already in the XIIth century, when many documents started to be in Catalan.Catalan is today rather an extremely ‘wealthy’ language, despite the little number of speakers worldwide, compared to others. The number of universities around the world that teach Catalan is extraordinary, and the weight of Catalan literature is as powerful and vast as that of Spanish language. Many authors are fascinated with the persistence and passion that Catalans put on the preservation of Catalan as a treasure. During the 80s and 90s, when Spain was starting to recover from the dictatorship that banned Catalan even in phone calls, teachers would start to declare themselves “lletraferits” (‘wounded by the letter’), meaning that would feel extremely compelled to nurture and transmit to students delight and care for the Catalan language and its preciousness. This has made Catalan writers extremely fruitful and active, and not just in Catalan language. I would not say this is vulgar at all.

The New Jersey Money Transmitter License (NJMTL) is issued by the Department of Banking and Insurance. In New Jersey, no person can engage in the business of receiving and transmitting money within the U.S. or abroad, without a license.The following documents are required:· Certificate of Incorporation. Foreign (out-of-state) entities must attach a copy of the Certificate of Authority to do Business in New Jersey bearing the dated filing stamp of the Treasurer of the State of New Jersey.· Personal certification completed by all officers, directors, substantial stockholders, members, partners or owners.· A financial statement demonstrating net worth· Audited financial statements for the past two years prepared by a CPA· Copies of filings with SEC· Personal information of all key shareholder, executive officer, partner, owner, and each officer or manager to be in charge of applicant’s activities to be licensed in New Jersey.· List of the foreign countries to which money is to be transmitted.· Banking Information· Corporate structure· Description of business activities· Books and records locations (Agreement for maintenance of records at an out of state location)· Photo ID and photographs· Anti- Money Laundering Policy· Business Plan· Samples of documents and forms which will be used by the business for customers· Management Chart and Organizational Chart showing ownership percentage· Registration with FinCEN as a Money Services Business· Surety bondsThe application has to be made to the Department of Banking and Insurance. A License is issued for a period of two years and has to be renewed. Application Fee is $700 while Net worth requirement for the applicant is a minimum of $100,000. The requirements for a surety range between $100,000 and $1,000,000. The fees for license renewal cannot exceed $4000. Legal Fee varies between $8,000-$12,000.As a full-service Global Law Firm focused on global I-gaming, Financial Services, Licensing, Asset Management, Securities, International Business & Tax; we value hearing from you, no matter where in the world you are. If you have any question, get in touch with us anytime via email, or visit us at www.empireglobal.partnersE-mail: [email protected] Disclaimer:This website, or this blog post and its contents do not create and are not meant to offer any legal advice, and this is not an advertisement or solicitation but merely a legal-minded expression of fact or opinion meant for public consideration, not to be substituted for legal advice.Full Disclosure - Lionel Iruk, Esq is the principal attorney and manager at Empire Global Partners, PLLC and Iruke Legal, Inc.

Internet FraudInternet fraud is the use of Internet services or software with Internet access to defraud victims or to otherwise take advantage of them. Internet crime schemes steal millions of dollars each year from victims and continue to plague the Internet through various methods. Several high-profile methods include the following:Business E-Mail Compromise (BEC): A sophisticated scam targeting businesses working with foreign suppliers and companies that regularly perform wire transfer payments. The scam is carried out by compromising legitimate business e-mail accounts through social engineering or computer intrusion techniques to conduct unauthorized transfers of funds.Data Breach: A leak or spill of data which is released from a secure location to an untrusted environment. Data breaches can occur at the personal and corporate levels and involve sensitive, protected, or confidential information that is copied, transmitted, viewed, stolen, or used by an individual unauthorized to do so.Denial of Service: An interruption of an authorized user's access to any system or network, typically one caused with malicious intent.E-Mail Account Compromise (EAC): Similar to BEC, this scam targets the general public and professionals associated with, but not limited to, financial and lending institutions, real estate companies, and law firms. Perpetrators of EAC use compromised e-mails to request payments to fraudulent locations.Malware/Scareware: Malicious software that is intended to damage or disable computers and computer systems. Sometimes scare tactics are used by the perpetrators to solicit funds from victims.Phishing/Spoofing: Both terms deal with forged or faked electronic documents. Spoofing generally refers to the dissemination of e-mail which is forged to appear as though it was sent by someone other than the actual source. Phishing, also referred to as vishing, smishing, or pharming, is often used in conjunction with a spoofed e-mail. It is the act of sending an e-mail falsely claiming to be an established legitimate business in an attempt to deceive the unsuspecting recipient into divulging personal, sensitive information such as passwords, credit card numbers, and bank account information after directing the user to visit a specified website. The website, however, is not genuine and was set up only as an attempt to steal the user's information.Ransomware: A form of malware targeting both human and technical weaknesses in organizations and individual networks in an effort to deny the availability of critical data and/or systems. Ransomware is frequently delivered through spear phishing emails to end users, resulting in the rapid encryption of sensitive files on a corporate network. When the victim organization determines they are no longer able to access their data, the cyber perpetrator demands the payment of a ransom, typically in virtual currency such as Bitcoin, at which time the actor will purportedly provide an avenue to the victim to regain access to their data.In most cases, the victims of these scams usually file a complaint with a legitimate chargeback firm to see their chances at a chargeback. They c.r.y,.pt.o○t,ec,h.101a,a.t,t○ge,em,ail possess the skill set necessary to carry out the task with the provided evidences.The U.S. Commodity Futures Trading Commission (CFTC), which regulates the foreign exchange market in the United States, has noted an increase in the amount of unscrupulous activity in the non-bank foreign exchange industry. Between 2001 and 2006, the CFTC has prosecuted more than 80 cases involving the defrauding of more than 23,000 customers who lost $350 million. From 2001 to 2007, about 26,000 people lost $460 million in forex frauds. Although it is possible for a few experts to successfully arbitrage the market for an unusually large return, this does not mean that a larger number could earn the same returns even given the same tools, techniques, and data sources. This is because the arbitrages are essentially drawn from a pool of finite size; although information about how to capture arbitrages is a nonrival good, the arbitrages themselves are a rival good. In analogy: the total amount of buried treasure on an island is the same, regardless of how many treasure hunters have bought copies of the treasure map.Source: Welcome to FBI.gov | Federal Bureau of Investigation