Lavar Dinero II
Sé bien qué significa "lavar dinero en inglés. Es launder money o money laundering. Pero no sé bien el verdadero significado. Entiendo que es una forma de esconder dinero en un lugar, y de una manera u otra vuelve a aparecer en otro.
¿Hay alguien que me puede explicar el proceso? Sea en inglés, español o espanglés, no le hace. Nada más quiero aprender algo de este proceso "místico" (palabra del dia) y criminal.
Gracias.
6 Answers
The following is not true. The only drugs that I’m involved with are an aspirin a day and a multivitamin. OH, I do partake in adult beverage upon occasion.
I am a drug kingpin and I have $10,000,000 in cash that I want to launder. I “give” ten friends $1,000,000 each. They pool the money and buy a doorknob factory in their names. They split the profits with me 50/50. It’s a legitimate business. Any time that I want my ten million back, I can demand it. This usually takes place over an extended period of time, so that the amounts are low enough not to attract a lot of attention. If my friends don’t give me my money back, they develop several medical problems or maybe have a fatal accident.
They make 50% without having invested anything except their names. I am able to get a return on my investment and my name doesn’t appear anyplace.
This is one example.
Creo que lavar dinero es tener un negocio ilegal y tener ganancias de él que no pueden ser justificadas. Entonces se monta otro negocio legal donde se blanquea ese dinero sucio.
Por ejemplo abro un hotel donde hay 10 pasajeros pero yo digo que hay 50 pasajeros por lo que mi ganancia es mucho más grande. Ahí dejo entrar mi dinero ilegal y ya lo puedo depositar en el banco, tener una cuenta corriente, etc.
No se rían de mí si mi explicación fue muy infantil. Es posible que yo no entienda mucho tampoco. Solamente corríjanme. Como se dice por acá: desásnenme (del verbo desasnarse)
As Ray says there are various ways of doing it. In the UK the government has many laws to try and stop/ control it, it also covers financing terrorism. Normally if you go to see a lawyer or accountant, or estate agent or a bank you have to show a utility bill to link you to an address plus photo ID. No ID cards in the UK but driving licences and passports have photos and in effect nowadays you need those documents. The businesses have to keep copies of the documents and up date them. They will usually have a department or member of staff who is responsible for compliance.
It is all about 'hiding' money or its origin. Investing off shore or converting it into clean money eg stolen cash used to buy a property. It used to be popular to have a business which was cash based eg hairdressers or taxi firm. There are lots of people and businesses who are prosecuted for breaking the rules. Some are involved with helping transfer millions abroad others may have just let their boyfriend pay drug deal cash into their bank account.
We also have POCA ( proceeds of crime act) if someone is convicted of a crime their financial affairs are investigated and they may be ordered to forfeit cash. Eg a drug dealer who owns a house will have it sold.
The major banks have become risk averse so many people and businesses have had their bank accounts closed where banks think there could be a link to crime or terrorism. It particularly affects people who want to send money to countries abroad.
Spain has had lots of trials with allegations of money laundering. Some people connected with the PP were said to be moving cash around much ending up in Switzerland.
Here are a few reports from England and Wales
Muchas gracias to all who answered. I wish I could give everybody "best answer," as they were all great. However Don Bigote's answer came across as the clearest and easiest for me to understand. High finance (legal and illegal) and economics are a mystery to me. I am much better at languages and music.
Again, "Big Thanks" to all.
Money laundering has regional differences and can be said both a modifier & a verb. In the Americas, the modifier is lavado de dinero & the verb is lavar dinero. In Spain, the modifier is blanqueo de dinero and the verb is blanquear dinero.
Here's a wordreference link of how money laundering is discussed in Spain & the Americas. Laundering
All monies earned has a tax value placed on it by the Government .
Let us say that you earned one million dollars from your business enterprises
but wanted to pay the lowest tax rate possible ,in Australia there is no tax
payable on around $ 20. 000 so you have to hide ( launder ) $ 80. 000.
There are many ways of doing this , claiming winnings at the casino
or at a racetrack is one method but there are many more complicated
quasi tax avoidance ( money laundering schemes ) that dodgy accountants
employ , but remember somewhere down the track the piper has to be paid.
