Hello friends, you are ready for the Halloween in the United States
halloween has a very different level there halloween is serious thing
Most Creative Makeup Makeups disgusting and home decoration
terrifying Of course there is always that neighbor
dedicated that leave the other greens envy
See in the video decorations of houses more creative for halloween,
I'm Kelly and this I Communication Digital to see the curiosities like
sign up for the channel and if you like video let your strength in jewelry
and share with your friends. The architecture of this house by
coincidence or did not fall like a glove monster house decor and stayed
even more sinister with this lighting night time.
These people certainly believe that the The truth is, who else would put
a UFO dropped on its sidewalk with a fucking ET right!
This neighbor does not know how to play there he simply made a replica in
size of the facade of the house of Michael Myers of the movie Halloween must have
It was well expensive!
The windows of this house were all decorated with silhouettes of
halloween icons, the facade won still a special illumination what
made everything even more incredible.
You have to have a lot of courage to make a
visit this house I would avoid even walk on this street with this
frightening nuns.
In this house there with sure do not lack creativity
this neighbor made a graveyard for trends that have gone
it's a lot of consideration!
Already in this house an invasion of pirates occurred
The most striking skeleton is detail of the ship coming out of the wall.
This one is certainly more like a house than it would not even happen on the sidewalk
but until he was well "alive" with this night lighting.
In this house there surely resides a very smart people people he wanted
protect yourself from evil spirits on Halloween and called Batman
the decoration was also attended by Batmobile is another level
when it comes to Halloween decoration of course we think of this neighbor
there put thousands of lanterns of pumpkin agent your garden.
Speaking of which you know the origin of the pumpkin on halloween?
see our special daytime playlist of witches. What house decorations did you find most amazing?
Tell me there in the comments
do not forget to leave a joinha in the video and to share with your friends.
See you!
For more infomation >> Halloween 2018 Most Creative House Decorations - Duration: 3:12.-------------------------------------------
Jessica Mulroney : la scandaleuse amie de Meghan Markle a décroché un job un or - Duration: 2:53.
For more infomation >> Jessica Mulroney : la scandaleuse amie de Meghan Markle a décroché un job un or - Duration: 2:53. -------------------------------------------
Príncipe William lamenta morte do presidente do clube de futebol Leicester City - Duration: 2:00.
For more infomation >> Príncipe William lamenta morte do presidente do clube de futebol Leicester City - Duration: 2:00. -------------------------------------------
Ouverture de compte bancaire à Malte : une banque gèle tous les comptes des clients ! - Duration: 23:38.
this is Malta News live with Cyrielle Delmas delmas. Good evening, welcome to the fourth episode of
Malta news. The stories tonight : after SATA Bank has been shut down by the
authorities, self-employed foreigners living and working in Malta are facing
hard times to open current accounts with all the local banks.
The MFSA is watching the situation.
And I'm welcoming Arnold Cassola co-founder and former leader of
alternativa democrática, and former Secretary General of the European Green Party
We're going to talk on the lack of equality in banking in Malta
But first an interview with SATA Bank client Alex whose family is currently being troubled
as all their private and business funds are frozen
Friday afternoon we're in front of Sata Bank headquarters in Paceville
We've been asking for client interviews in the Facebook group victims of Sata Bank and some of them confirmed to talk to us
when trying to record these interviews
we are being watched by two local policemen and a team of the armed Rapid Intervention unit
although there's nothing wrong with being watched some
clients are scared off from giving interviews due to this unusual police presence
only Alex from Ukraine who's been living and doing business in Malta
since many years wants to tell us more about his situation
A desperate situation for his business his family and especially for his wife who has cancer
Terrible why I haven't money even I kept my account just inside a bank all
credit all cards in sata bank you know I couldn't pay for something especially
for treatment to my wife of course for the business it's terrible as well
because I keep in shipping business ship operator, for 14 years I was a client of
fim bank we had and still have good relations with Fim bank but one moment
in March or April 2016, SATA Bank (He mistakes for FIM BANK) our friends I can say nothing against them
told us that we can work just with super client I don't know and maybe due to
nationality because I am not Maltese I don't know without an explanation please
could you close the account with our bank we are fully satisfied to working
with you but it's our policy and after this I start to run to
different banks and just SATA bank opened me account that I am a client I
am or I was a client of SATA Bank since I think April maybe May 2016
I kept all my money and company money and private money everything in SATA bank I
have no problems with salary for my crew members for banker and for this basement
everything in fact its collapse for my business and it's collapsed for my
private life everything change during Sunday morning when my wife couldn't
make payments from the credit card in Germany in Regensburg you know she even
couldn't pay for the hotel where she stayed that moment because she get
treatment in Sandra's hospital in Germany and our friends in Germany help
to pay for hotel for this to borrow money and Wednesday late evening she
came back to Malta.
And did you receive an apology from SATA Bank ?
No just, what I can see, its announcement. You know..wait, be quite, and nothing nothing else
I sent numerals mails to SATA Bank I sent emails to MFSA and reply please
apply to SATA Bank I understand they couldn't reply for
everything you know even to pass through emails but at least I don't know what to
do really I couldn't give suggest how to do what
to do I just told telling the story of my life
of my business problems of my personal problems for my family for my wife it's terrible
And we wish all the best to Alex and his family
unfortunately the police refused to give a statement on the presence of the special unit due to
administrative reasons. Although authorities are more cooperative the MFSA
told our newsroom what they were doing to enforce the expats legal right
to open local accounts easily
the Malta Financial Services Authority has recently carried out a mystery shopping exercise on opening bank accounts in Malta
A number of unsatisfying findings have been published in September the
MFSA report confirms investigations of this newsroom, some employees didn't
give out full or correct information on banking products, or verbal or handwritten information only
the authority points out that any legal
resident in Malta or in any other EU member state has the right to open a
basic account with Maltese credit institutions. Such a basic account
normally includes the ability to send and receive transfers the access to
online and mobile banking as well as a debit card for ATM withdrawals and
online payments the MFSA further points out that Maltese banks are to
provide such accounts irrespective of the consumers nationality or place of
residence, gender, financial circumstances employment status, level of income, credit
history, or even personal bankruptcy the document required for opening a basic
account is one of the following. A Maltese identity card or a Maltese
resident documentation card, another EU member-states identity card, or another
EU member-states passport. Or even a temporary identification document
Maltese banks are not to introduce or implement policies or procedures which
may directly or indirectly impose any unnecessary difficult or burdensome
restrictions. The MFSA also states that credit institutions are still bound with
national and European anti money laundering legislation and can refuse to
open a payment account where to do so would be in breach of said legislation
but the MFSA does not specifically comment on these newsrooms further findings
employees of some Maltese banks keep asking foreign residents for much more
documentation than actually required by local and EU anti-money laundering laws
a well-known practice of certain banks to avoid dealing with self-employed
foreigners. The authorities mystery shopping only found that the list of
required documents appeared to be inconsistent across branches of the same
credit institutions. And I'm now welcoming Arnold Cassola co-founder and
former leader of alternativa democrática and former secretary-general of the
European Green Party. Good evening and thank you for the invitation thank you
for joining us. Mr Cassola, what is your opinion on the current SATA
bank scandal ? Well obviously it's a bad thing for Malta at the moment but
especially I think for the honest people who have banked with SATA Bank it is
unfortunate because it is now the third Bank
which has which has gone into trouble I mean this is the third case in the
recent couple of years. We have had NEMEA bank we've had pilatus Bank and
now we have SATA bank which for some reason or another have been connected to
dirty money investments. How do you explain all of this ? Well I think the
major problem shows us that the due diligence that was supposed to
be done was not done properly and in this I would say that the MFSA has had
its own thoughts. I will not say the MFSA today which has a new chairman and you
know a new new directors but the MFSA until last a beginning of this year we
had as a as a Chairman professor Bannister who had been there for 22 years
unfortunately had a lot of thoughts which were being pointed out but at the
force both locally and internationally the thoughts were multiple for example
and when I spoke to foreign politicians they would be and when they discovered
these things they would be really shocked that the chairman of the MFSA who
is supposed to ensure that things are done properly by the book, actually was a
director of company in the Cayman Islands in if you know in these tax
havens he was also and he had shares in mining
companies in Russia which again were not declared and so on and this was a
already ringing bells but the worst thing was that he was while being the
chairperson of the MFSA, which is there to ensure that things are done as they
should be, he was also vice president of finance
malta which is the company that attracts foreign businesses to Malta and
foreign finance to Malta so on the one hand you have you are trying to attract
foreign finance explaining the laws the Maltese laws, and the tax you can avoid
in Malta through the various schemes and on the other hand you are the same
person trying to ensure that there is no hanky-panky going on in financial
services. So this was extremely irresponsible, of course this is where
politics come comes in to motivate there was political protection ex
minister who was first with the Nationalist Party and then turned over
to the prime minister today, so, some 20 years managed to get again along quite a
lot and unfortunately the result is that we have these banks and which were not
scrutinized as they should have been, and now we have of course probably people
who are not clean. Who got into this into these new banks but there are also
many good you know good good honest people, normal people
Maltese, EU citizens, maybe non EU citizens who have invested also their
money in these banks because maybe also operations are much much easier to go by
and there is less bureaucracy and I suppose the whole issue is therefore
that the Maltese banks, that the established Maltese banks have a good
reputation should stick to the rules yes, but maybe these flexible or certain
issues and certainly not have a double treatment
EU citizens at least because EU citizens and Maltese citizens have
the same rights, and the same duties. There is the EU law on opening
payment accounts, which says clearly that any EU citizen in any EU country
has the right to open an account, and it cannot be refused. So how do you explain it has not been the case ? Well it can only be refused if there is suspicion of
money laundering and of financing terrorism
so obviously the Maltese banks are being very rigid of this and not all of them
of course and not all branches because that's another issue. You can have a
thing things very different situation in a different city or town in Malta. These
18 by 28 kilometers and therefore when people find themselves you know
the thing for example you need obviously if you want to open a bank account to
prove your identity that's fair enough. Well in Malta, and any card any identity card
is sufficient and is legal and that is valid both for Maltese and for EU
citizens. Yet most branches or some branches do not accept an ID card and a
European identity card but want a passport. Now that could be very good for
British people because the British do not traditionally have an identity card
but it is not normal for French, Spanish, Lituanian or whatsoever. So why ? This you
know, discrimination and Maltese can open a bank account with an identity card and
and a foreigner can not. And going back to the clients of Sata bank do you think
that their are left out by the government ? Well rather than being left out
this is just you and obviously they don't know what's happening because
probably we don't know exactly why the bank has been stopped in its operations
I mean other people have been through it before with Nemea bank, which also was
stopped in the beginning and then blocked and now people are risking
losing them all the money, not all of it to be fair, because in that Bank
you had the European deposit scheme were up to hundred thousand you got back so
that people had up to hundred thousand that they were safe. But people if you
had over 100,000 that's blocked at the bank. Now it seems that with Sata bank
there isn't even this guarantee which I find very strange in an EU country after
the after the crisis we had in 2008 this was introduced Europe wide. European
Union wide were all major banks serious banks would refund you there is this
national scheme which would refund you the hundred thousand the first hundred
thousand you have in the bank. So people don't know what's happening I have read
issues of people having three four thousand in the bank but it's their life
savings, pensioners you know and that means a lot. Everything they earned in life
we have seen the situation of business people who have to pay their employees
and cannot use their money, they are blocked.
So it is it unfortunately my experience is my experience in seeing these things
happen is they are not solved very quickly and it takes a long time and in
the meantime a business can get destroyed and an old pensioner I can end
up penniless because one cannot touch his money. Is there no hope for these clients ?
no I don't think there is no hope indeed the MFSA has said that it is
going bit by bit to restore and to allow honest people to take their money back
but it will be a long process I don't think people are going to release ten
thousand euro banks you know banks or a hundred thousand in in five minutes so
this is the unfortunate thing which goes back to as I said the due diligence not
having been done properly on these banks and then it's regard to the normal you
know man of the street woman in the street who opened an account together 3%
or whatever in the banks the fact that the Maltese banks tend to be very rigid
especially with EU citizens who have
exactly the same rights and telling them as I said you have to get your passport
and not your ID CARD. I I know of... What would you advise ?
Their is nothing to advise, the advice is the law is clear. To those clients who are being
refused to open a bank account ? Yes they should they should immediately you know
and tell this to the authorities, because this is discrimination. The MFSA ? The MFSA yes.
whoever because they should even start a class action if anything you know
because there is no distinction the distinction is but whether you're a
crook or whether or whether you're not whether you're a money launderer or
whether you're not whether you're a financing terrorism or whether you're
not. If you're an honest person who is just working normally the due diligence
have to be done of course they have to check on us. Even though on me I am
considered to be a PEP you know politically exposed person by banks so
just to pretend five thousand or ten thousand they have to fill in
questioners which really bother me but on the other hand when we've seen crooks
and politicians going to Panama and avoiding tax and evading tax and not
only Panama and Switzerland, Cayman it's full, on that, okay I accept it it's good
at there is transparency. But it is also good that business people should have a
a safe banking atmosphere and therefore if they are say if they are clean and if
they are biding by the roads they should not be subjected to extra to extra
hassle ! So what is your position on equality in banking ? yes as I said that
is the basic basic thing and I cannot say that it is equality also for non
EU citizens because it would put them in a different category because not because
they are bad people not at all it's just that EU laws does not cover them. So if
there were a global law which covered them too I would say let's apply the
global law but what we do have here is clear EU laws which apply only to EU
citizens. So of course we have to have equality and I saw you in Gozo for
example there's a case this is not the bank this is the identity card office
where the the officials are asking people if citizens who have been living
in go to for 10 years for 12 years who and who went to renew their identity
card now. And you know what they're asking them for ? They want a bank
statement from a fourth of the bank account in Malta they have money in
Malta and in a bank account and some of these people don't have it because when he tried to
open it ten years ago they found it was so difficult so they said forget it
I have my Visa card I have my MasterCard and my bank abroad I will start
withdrawing that and it's done that another have a difficulty that they
cannot get the new identity card ironically if you are an EU citizen
living in Malta you are entitled to vote in Malta for example next 25th May next
year. At vote for local councils if you want to register to vote for European
elections in Malta you can do that and you can actually be a candidate and you
can actually be elected, but to do that, you need an identity card
and now your new identity card, in Gozo, will not be renewed if you don't
produce your bank statement from Malta. In Malta, well, we can't have these
anomalies we are not living here you know in a continent miles away nobody
knows what's doing it's a small place and so possibly I think I should be even
seminars for the bank branches bank employees so ensure that they first of
all they have a uniform uniform situation for everybody all bank
branches should know exactly what should be done and what should not be done okay
so that people are given the same treatment and other little things for
example and employees normally can pay by cheque sometimes if you can find it
but banks would normally not accept cheques for a for for an EU citizen
we're not accept a check deposit but they would want a direct bank transfer
into into the local accounts. Do you consider this as a discrimination ? If
it's not done for Maltese, yes, definitely. I always say we EU citizens in this
on this issue, there is no question of Maltese, or European or European Union
citizens we're the same and we have to be subjected to the same the same thing
another thing for example there was experience of of EU citizens coming to
Malta with a bank reference of the bank in their country in Spain in Portugal
wherever and presented to the banker and the bank in Malta will not accept the
reference. Now I can even understand maybe them being worried about possible
falsified documents which can happen with the crooks so they they would only
have the Bank State Bank reference coming directly from the bank to whom
they had written from Malta of course these create difficulties if you want to
start up a a business here or if you want to work
here you have to pay your landlord you don't have a bank account to operate
with you cannot pay your landlord so it's a vicious circle which can hit your
rent your salary your employment and your bank and your residence it's a big
thing you know which I'm which is not not easy to do to to solve
so one last issue maybe that we could mention it's the question of pensioners
a number of EU citizens who are pensioners have been refused and a bank
account just because they are pensioners. So here we have a double discrimination you
are discriminated because you are vis a vis the Maltese when you should not
be because you are an EU citizen and then you are discriminated against
because over 60 or 65 rather than facilitating your staff and you just
receiving your pension which you are going to spend in more ext... so the
main thing in my opinion is ensuring that we distinguish between the honest
people and the dishonest people but not based on nationality. Do you think that
there should be better enforcement ? Yes definitely but rather than the
enforcement it's a better knowledge also of the laws of European law in the
banking sector in the people who are going to deal with it with clients and
of course and then when there's equal treatment, you have to fill in a
form ten page form because the law says that amen. I don't like doing it but
you have to do it but everybody has to do it and not just you and not to be
singled out because you are non Maltese. Okay thank you very much mr Cassola.
Thanks to you. And malta news will follow up on this issue. If you are a foreign
resident in Malta and you are also experiencing some difficulties opening a
bank account send us an email to domesticbanks@maltanews.tv so
that's all for tonight thanks for watching us and we'll be back tomorrow
at 7:00 in the morning with the daily updates have a
goodnight
-------------------------------------------
PETROLEIROS CONVOCAM GREVE DE 72 HORAS CONTRA O CAOS DE TEMER E PARENTE - Duration: 4:35.
For more infomation >> PETROLEIROS CONVOCAM GREVE DE 72 HORAS CONTRA O CAOS DE TEMER E PARENTE - Duration: 4:35. -------------------------------------------
Should I switch from a DE filter to a Sand filter? - Duration: 1:58.
[music]
Hello, welcome back to the Poolside Chat presented by inyopools.com.
-I'm Rob. -I'm Mathew,
and today's show is brought to you by Your Mama.
The question goes as such,
"I'm thinking of switching a DE filter to a sand filter,
what are your thoughts?" Rob?
Well, I could see why somebody would think about switching to a sand filter.
Sand filters are very low maintenance.
You probably only have to change the sand every five to seven years,
but there's some downsides especially if you're going from a DE filter
to a sand filter because the DE filters are the best filters.
The sand filters not so much because the DE filter is much better at filtering out
smaller particles, but maybe there is a happy medium.
Well, I'm really happy that no one's ever called me a medium.
The happy medium would be the cartridge filter because,
in terms of filtering quality, it's smack dab in the middle of the sand and the DE.
Also, it's great when it comes to saving water because with the sand and the DE,
you have to backwash every time you need to clean it.
Instead of that, with the cartridge, you just pop the lid open,
you take it out, and to hose it off. It saves a lot more water than backwashing.
Yes, another thing to think about is if you get algae or a real cloudy pool,
its a lot hard to clear it up with a sand filter because it doesn't filter down
to a small micron as a cartridge or DE filter.
That's something to take into mind when you switch your filter
from a DE to something lower.
Again, I think my explanation was better. Well, you did a very good job.
Thank you for showing up.
If you like these videos, please like and subscribe to keep in contact
and so you can see more of these in the future.
Thank you for joining us, bye [music]
-------------------------------------------
Encuentros de Etnografía. Música de tradición oral - Duration: 6:01.
For more infomation >> Encuentros de Etnografía. Música de tradición oral - Duration: 6:01. -------------------------------------------
'Honestidad' 'El Hormiguero': La historia de amor y amistad entre Pablo López y Antonio Orozco - Duration: 2:28.
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A Fazenda 10: "Para de se meter onde não é chamado", dispara Rafael para Evandro - Duration: 2:12.
For more infomation >> A Fazenda 10: "Para de se meter onde não é chamado", dispara Rafael para Evandro - Duration: 2:12. -------------------------------------------
Habs rate late-night snacks - Duration: 2:17.
Maybe some chips, or something like that.
Maybe just cookies... chips... whatever's there.
Whatever's available for me to eat,
I'll eat it.
I'm a pizza guy. Probably pizza.
For sure chips. I'm someone who really likes to eat chips.
When there's a bag around, it's almost guaranteed there will be none left by the end of the night.
I'm not someone who eats a lot in the evening, before going to bed, so...
But if there's one thing, it's definitely a bag of chips.
I'm a big Fruit Roll-Ups guy and big Fruit by the Foot guy.
I try not to eat too late. I guess if I like, had to eat something...
Not if I had to -- if I really wanted to and I couldn't control myself it would be nachos.
That's probably my favorite... Favorite snack.
Water and Finnish chocolate.
Ben and Jerry's ice cream.
I got my spot that I go to, every now and then.
When I feel like I need it, after either a really good game or a really bad game.
I... I find a... I find a way to get my hands on that.
Popcorn.
Probably Miss Vickie's jalapeño chips, and a glass of milk.
Chocolate dipped in peanut butter.
Kills me every time. I love it. I'll probably do it this afternoon.
Not late night, but this afternoon.
Before going to bed I like to eat...
Either yogurt or cereal, something like that. Before going to bed, usually those are good.
I don't normally eat late at night, but I guess if I did, it'd probably be like...
Some cookies.
That's an easy one for me; it's a bag of chips.
You can't just eat one or two chips, you have to finish the bag.
It's the same thing for me. It's something I can't stop myself from doing.
Probably ice cream.
With two kids, it's tough -- there are a lot of things to choose from, but...
Small candies and chips are pretty much... my musts.
It depends on the night.
And what happened that night, but...
I don't know.
Popcorn.
A piece of chocolate.
Sometimes two.
I try to stick with one.
-------------------------------------------
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Le fils ainé de Charlotte Casiraghi chamboulé, le nouveau né le met dans ses état - Duration: 1:59.
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Physical, Mental, & Spiritual Capoeira I ilê de palmares - Duration: 3:27.
My name is Shem. I'm one of the co-founders of ilê de palmares, which means the house of the palmares.
We're trying to really, in modern day, give homage to what happened before.
The slaves that escaped from Brazil, they went to these little communities called quilombos,
and quilombos ilê de palmares is one of the biggest communities that defended slaves for hundreds of years.
My name is Omi Hill. I am the co-founder also with Shem Rajoon.
I'm with IDP, which started in 2012, so this is five years now that we have the group.
I've been doing capoeira since I was three. I'm 12 now ;)
You can't do capoeira without music
Music for me is a way to break barriers through different types of ethnicities, race.
The music has this really enriching aspect to it.
For us, we don't like to play capoeira by ourselves, we have a comrade,
and that's part of building that community.
The same relationship happens with music and movement.
When that meets, things happen in the roda, in the circle where we play capoeira, that you wouldn't see anywhere else.
Music itself back then was used so that it can actually disguise and hide from the police or whoever they were being oppressed by.
So when the music was fast, it would look more like a martial art, and then when they slowed it down, it would look more like a dance.
Spaceworks and the space in general helps us have a constant place that we can rehearse
and train and keep our bodies, and that's why it's very important for you guys to collaborate with Spaceworks,
because this is helping us, not just IDP but all the artists that are a part of Spaceworks to keep this going,
and it's really a big thing for us as artists that live in New York City.
There's a lot of importance in having a space that really works with, as opposed to a space for.
That's a really key aspect of Spaceworks.
There's a partnership, and that is a huge part of community.
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Lio : ses douloureuses confidences sur la mort de Marie "Je n'ai pas su la protéger" - Duration: 2:13.
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Los jóvenes conocen la importancia de ir a votar | Un Nuevo Día | Telemundo - Duration: 7:37.
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Cum se înlocuiește capăt bară transversală de direcție pe SUZUKI SWIFT 3 [TUTORIAL AUTODOC] - Duration: 1:50.
Use a combination spanner No.19. Loosen the lock nut securing the tie rod end to the tie rod.
Use a drive socket No.17. Loosen the lock nut securing the tie rod end to the tie rod.
Use a ball joint remover. Using a special tool push the steering rod end out of the steering knuckle.
Screw the end out of the tie rod.
Screw on a new tie rod end
Place the end cone into the steering knuckle.
Screw a new nut on the end stud and tighten it. Use a drive socket No.18. Use a Ratchet wrench.
Tighten the clamp nut on a new tie rod end. Use a combination spanner No.19
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