...What are your three favorite foods? There are many types of food in the world and the favorite food each person might choose would be different because they have different taste. For example, my mom likes steak while my dad likes salad. If I would choose 3 favorite foods of mine, those are Kimchi, sandwiches and seasoned rice cakes. First, I consider Kimchi to be one of my favorite foods. When I was in my mom’s belly, my mom ate Kimchi a lot. Thus, I suppose this is why I like Kimchi so much. Actually, Kimchi is spicy and smells stinky, however it gets along with our daily food such as rice, noodle and soup adding refresh taste. Next, another one of my favorite foods is sandwiches. My mom has made different types of sandwiches since I was little by inserting my favorite foods in the sandwiches such as cheese, hams, eggs and potatoes. Especially, I don’t want to eat heavy meal in the morning and I am always busy to preparing for school, eating sandwiches is very convenient since I can eat everything I like together. Lastly, I have come to appreciate the taste of seasoned rice cakes. My nanny often makes seasoned rice cakes for me as a snack. I like the chewing feeling of rice cake, and also I really like sweet and spicy taste. I can also add foods I like such as egg, fishpaste and sweet potatoes. In conclusion, I like Kimchi, sandwiches and seasoned rice cakes. Kimchi is my favorite because it gets along with most of my daily food. Also, I like sandwiches because...
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...MJ Nostrand Sugary Beverages Should Have Warning Labels Around 10,000 years ago, the people of New Guinea started farming the crop known as sugar cane. They planted it, and then they chewed it. Surprisingly, they liked it so much that sugar became a part of their religion! Humans have fallen in love with sugar thousands of years ago, and are still deeply attached to it today. In “Your Favorite Drinks Can Wreck Your Body” by Russ Lloyd and “Banning Large Sodas is Legal and Smart” by Lawrence O. Gostin, they examine the growing problem of sugary drinks in the United States. People and children are ingesting more sugar than ever. Sugar is in everything we eat, a lot of sugar in some drinks, and people are just eating way too much of it now. Some people say that the sugary beverages they are drinking aren’t all that bad; however, I believe that sugary drinks are terrible because it is bad for your health, addictive, and it can lead...
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...What is your favorite time of year? Why? My favorite time of the year is naturally the time when I have the most fun. To me, that time of the year falls during the December holidays, or rather, it starts during the last term of school. It may sound strange of me to include the period of examinations. But I like the way teachers leave us, students, by ourselves to do our own revision. There is hardly any homework to be done but there is a lot of studying to take up our time. Finally, when the examinations are over, we can all heave a joyful sigh of relief and look forward to the seemingly eternal holidays stretching out before us. Just before school breaks up for the holidays, there are a host of post-examination activities, among which is mass dancing in the school hall. This is something I enjoy very much as I get to dance to the newest pop music with all my friends. The opportunity to “break-free” from serious activities of school and to sing and dance there is a truly welcome event. The last day of school comes and goes and the holidays start. The first thing I do is to go to the library and borrow as many books as possible to fill my holidays. I simply love reading book after book without having to worry about putting aside time for schoolwork. I make it a habit to read books of a particular author each holiday. Within the second week of the holidays my birthday arrives, I enjoy helping my mother prepare my favorite food for my birthday. I do not have big birthday...
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...Vanessa Zsorey Dr. McCort College Comp 11 December 2015 Sonic Highways A band lasting as long as twenty years in the music industry with their original sound not suffering is a rarity. The Foo Fighters, led by the legendary Dave Grohl, are magnificent rockers who throughout two decades, continue to stay relevant in many ways. Throughout these twenty years they have released nine albums, each of which contained some of the biggest alternative rock hits of all time. Though they may not be riding the radio waves constantly or may only appeal to a shrinking audience, their craft has never once suffered. Their newest album, Sonic Highways, is pure proof that the Foo Fighters continuously try to push themselves out of their comfort zones in order to remain interesting to their fans. Sonic Highways was the most recent project the Foo Fighters have put out and the most creative of the past eight albums. The process to create this album was far more in depth and unique compared to the traditional methods. Typically, when a band decides they want to record, they find the closest studio that is in their price range and is the best quality necessary to fit the project. Mixing the recordings has gotten incredibly easy in recent times, where all that is really necessary is the ProTools program. With Protools, any errors can easily be cleaned and corrected, then moved on to the master CD and sent off to be pressed. A decade ago, recording and mixing were not nearly as simple or cheap...
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...dangerous, and should be banned. Today sugary drinks are one of the leading causes of obesity and other illnesses such as diabetes and heart disease. This has been an increasingly important issue amongst kids 6-12 years of age. There have been various laws/bans put in place such as the New York City ban of soft drinks that are larger than 16 oz. In the article “Your Favorite Drinks Can Wreck Your Body” by Russ Lloyd, he talks about how more and more states are putting restrictions/bans on sugary drinks do to the dangerous effects they have on people. Although some say sugary drinks aren’t so bad, in “Let us enjoy our sweet drinks in piece” by Evan Cook, he describes just that, however, sugary drinks are extremely dangerous because they can lead to deadly illnesses such as diabetes, heart disease, and obesity, and are also extremely addictive, and are the leading cause of obesity and diabetes in America today....
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... The Word “Family” Introduction My favorite word is family. The word family defines the existence of human beings in the society. A family is defined to be a group of people that is made up of parents and children living in a similar household (Brighouse & Swift, 2014). In most instances, a family is made up of parents and their biological children. The parents are a father and mother. Nonetheless, a family can be made up of a single parent with either adopted or biological children. Instances of single parenthood can occur because of a death of the other parent or a divorce. The word family stands out as my favorite word because of the following three reasons. At the outset, the word family stands out as an incomparable word because it highlights the fundamental unit of human society. A family unit made up of a man, woman and children living together in peace and harmony is a construct of societal organization. The presence of a peaceful and harmonious relationship confers intellectual, sexual, social and emotional stability to one another. A member of the family can readily rely on the other member in terms of emotional, intellectual, social and sexual relationship. As a result, the individual family is a reflection of the society that mainly depends on the stability of the family for its existence (Brighouse & Swift, 2014). Secondly, the word family stands out to be my favorite word because it upholds the continuity of humanity. The family acts...
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...Joe Polce English 015 Mrs. Wickman How To Roll Your Own Cigarette Is anyone in your life a cigarette smoker? Do you often notice that they are always complaining about their ever-rising price? According to the U.S Census Bureau, out of the 6.7 billion people in the world, 2 billion are smokers of cigarettes or some other form of tobacco. Almost 75% of these 2 billion spend between $1000 - $1500 yearly on their favorite packs and cartons that they just cannot resist. We know its a habit, right? Its also an expensive habit. I am going to show you a quick and easy way to not only cut the cost of cigarettes in half, but also save you hundred of dollars. A select few smokers of the modern world have been fortunate enough to find the solution to the climbing prices of cigarettes. This solution is actually very simple. Why don’t we, instead of spending the $6 plus on an already produced pack of Marlboro Lights, make and produce our own pack of very similar cigarettes? Herein lies the solution; roll your own cigarettes. Most people shy away from such an idea claiming that they would never know where to start, or have no idea where they would buy the equipment, but on contrary the first steps to this new lifestyle are very easy, and the tools needed are readily available. The benefits of rolling your own cigarettes are numerous. First off, its inexpensive. GS Hammack, a man who writes for a website called AssociatedContact.com, said that “smokers that are looking for...
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...own in the future. I would like to ask the young people reading this: Do you ever wonder what you will do to earn a living, what your career will consist of? Do you ever wonder how successful you are going to be, or what things you will be able to accomplish? Do you ever wonder if you will be able to enjoy the “good life” and afford the nicer than average things? Do you wonder if you will wind up having a job that you enjoy, or one that you must do out of necessity? Will you be able to support yourself and a family and own a nice home and automobile—all of those things we think of as the “American Dream”? Probably most young people have these thoughts and questions from time to time. You may not worry about such things at this time in your life, but you do think about them. We are all aware of the economic downturn in the United States, as our nation faces many problems at this time. Unemployment problems are continually in the news with many major corporations laying off employees as part of necessary cutbacks. Some of these may already be affecting your family. Many of you harbor legitimate concerns and are uncertain about your future. Even with conditions that now occur in our economy, a way exists for you to be successful and to land a good job in this country. This key concept or way for you to be successful starts right now no matter your age or grade in school. It can be described in a word: diligence. Diligence means “steady, earnest, energetic application and effort...
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...Registered Housing Finance Companies Dear Sir, GUIDELINES ON ‘ KNOW YOUR CUSTOMER’ & ‘ANTI MONEY LAUNDEERNG MEASURES’ FOR HFCs Please refer to our Circular NHB(ND)/DRS/POL. No. 13/2006 dated April 10, 2006 and circulars issued subsequent thereto from time to time on the above subject advising Housing Finance Companies (HFCs) to ensure that a proper policy framework on ‘Know Your Customer‘ and ‘Anti money Laundering Measures’ is put in place with the approval of their Board. In this connection we wish to inform that the said Guidelines have since been reviewed in the light of subsequent developments including amendments in the Prevention of Money Laundering Act and Rules framed there under.The revised Guidelines on ‘Know Your Customer‘ and ‘Anti money Laundering Measures’ that are to be followed are enclosed. HFCs are advised to amend their existing policy framework keeping the above Guidelines in view with the approval of their Board within one month from the date of issue of this circular and ensure their strict compliance. A copy of the modified policy should be sent to the National Housing Bank. Please acknowledge receipt. Yours faithfully, (R.S.Garg) General Manager Department of Regulation and Supervision Annexure : Guidelines on ‘Know Your Customer’ and ‘Anti Money Lending Measures’. GUIDELINES ON ‘KNOW YOUR CUSTOMER’ AND ANTI-MONEY LAUNDERING MEASURES 'Know Your Customer' Guidelines The objective of ‘Know Your Customer (KYC) Guidelines’ is to prevent housing finance companies...
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...a second person narrator technique, he highlights uncomfortable situations, loss of identity and the feeling of being stuck in life, showing that one most do what one likes, otherwise, you’ll lose in life In the short story, “Stolpestad”, is it clear that Stolpestad is stuck in his life. “The coffee shops, the liqoue stores, laundromats, police, fire, gas stations to pass – this is your life, Stolpestad”. Furthermore, Stolpestad seems to be genuine depressed as he says to himself “this is your life, Stolpestad” which shows that Stolpestad’s not where he wants to be in life as he has to end the sentence white “Stolpestad” as if he was not listening to himself. “As if you have seen or imagined or been through all of this before, or will be through it all again” The fact that Stolpestad feels like he has experienced things that he haven’t even tried yet, shows how much he has given up on life. Stolpestad’s sad view on life probably is a mix of his life going in circles, and the fact that he is constantly experiencing unpleasant things that just repeats and repeats itself throughout his life: “Your whole life spent along the same sad streets (..) as you pull around the house, as if you’ve seen or imagined or been through all of this before, or will be through it all again, over and over”. Moreover, instead of going home to his family after his attempt to kill the dog, he ends up on a bar, telling about the episode, which brings out laughter: “this little dog they heard about, ha...
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...music learned how to play several instruments by the inspiration of others. Mayer loved music, especially blues as can be heard from all his songs in which they all share a melancholic tune. As a young man in high school one of his first gigs was at a local blues bar with a band he had been currently been a part of. Although he only played guitar at the time Mayer was still songwriting. He learned how to write after being hospitalized at the age of 17 with a mental issue even though his illness was destroying his body his creativity kept flowing allowing him to find his newfound passion, songwriting. All these action leading to his first debut of his album in 2001 “Room for Squares” in which he would receive Grammy nominations for the song “Your body is a wonderland” and the public eye would be drawn towards Mayer. After this Mayer would release many albums and singles that would lead to the fame he has today. In my opinion, John Mayer’s music is one of a kind and truly beautiful all holding a deep message leaving for the listener to interpret in however which way they feel. Furthermore, out of all of Mayer’s accomplishments “Waiting on the world to change” from the album “Continuum” is one of his best works. This song has a slow tempo like most of his songs on the “Continuum” album. Also, in this song the beats are...
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...difficulties for the banking sector. Consequently several big institutions such as HSBC and Citigroup have already been fined for failing to comply with AML laws. Regulations have changed the financial sector. This essay will analyse the impact of the 9/11 attacks on the regulatory framework as well as the effects of AML on the financial industry. Page 3 of 16 2. MEASURES TAKEN AML has been on the agenda of regulators well before 9/11. However, the actions of prosecutors were more focused on fighting organised crime, drug and weapon dealing as well as tax evasion. 9/11 shifted the attention towards fighting terrorism and initiated Counter Terrorist Financing (“CTF”) laws. It was not until 9/11, that strict reporting rules known as “Know Your Customer” were introduced in the US. Before, the banking lobby could prevent further regulations, however, the US PATRIOT Act 2001, in response to 9/11, took AML and CTF measures to a new level. Since 2001 a comprehensive due diligence for high-risk products and especially for so-called “Politically Exposed Persons” is mandatory in the US....
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...Antonio Raimundo Montana (“Tony”) was once the office manager of Captain Kirk, P.A. (“Firm”). A few of Tony’s duties involved client billing and managing the Firm’s accounts, both the operating and trust accounts. Tony had been at the Firm for over 20 years and was a trusted employee, so much so that the managing partner, Spock, rarely supervised Tony’s actions. When Tony first started at the Firm he would provide Spock a monthly report that detailed the activity of the trust account. Spock required this report as means to comply with the Florida Bar Rule 5-1.1, which mentions that a lawyer must maintain and supervise the trust account. However, as the Firm rapidly expanded and the workload increased, Tony asked Spock to eliminate such “busy” work like that of the monthly report of the trust account. Spock agreed to cease the monthly reports since he had developed a strong sense of trust and loyalty to Tony over the years. Also, Tony had never done anything in the past to make Spock suspicious of Tony’s actions. Spock had to go out of state for a month’s time for a trial. Before leaving, he asked that Tony be on the lookout for a $1 million dollar wire transfer that was expected to be coming in the next couple of days and is to be held within the Firm’s trust account. Tony obliged and said that everything would be taken care of and that the accounting records would be updated once received. While Spock was out of town, he emailed Tony on several occasions inquiring...
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...REQUIREMENTS Table of Contents Introduction Project Findings Due Diligence for Correspondent Accounts Wolfsberg Principles for Correspondent Banking Standard Due Diligence Information to be Provided Availability of the Standard Due Diligence Information Dissemination of the Standard Due Diligence Information Further Information on Establishment and Maintenance of Correspondent Banking Accounts Appendix I: Checklist of Core Information Required Appendix II: Templates of Forms (Blank) 14 15 16 3 4 5 6 7 10 11 12 Disclaimer: This guide was developed specifically to provide information and guidance relating to the application process for opening a Correspondent Bank account or responding to an inquiry from a counterparty bank undertaking a “Know Your Customer” compliance review. Each bank that offers banking services will have its own documentation requirements which may differ from what is set out in this guide. Hence, the procedures and standards set out in this guide do not guarantee the sufficiency of any information that may be provided to, or accepted by, another financial institution. This guide is also not intended to provide information regarding the preparation of policies and procedures relating to anti-money laundering or compliance with other relevant banking and other statutes and regulations that may be the subject of a correspondent or counterparty bank information request. This guide does not constitute legal advice. Users of this guide are urged to contact appropriate...
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...Anti Money Laundering http://www.antimoneylaundering.org/ HOME | ABOUT US | INDUSTRY | SERVICES | NEWS & MEDIA | EVENTS | CONTACT US Related Areas Know Your Customer (KYC) Services Online Political Corruption Data-File Terrorist Financing Filter Anti Corruption Enhanced Due Diligence (EDD) services Regulatory Compliance Country-Check Foreign Corrupt Practises Act Anti Money Laundering The word money laundering refers to the use of the financial system to hide the source of funds gained from illegal activity such as drug trafficking, bribery, extortion, embezzlement, theft or other criminal activity, as the criminals try to make their ill gotten gains appear genuine. Anti Money Laundering is the term used by banks and other financial institutions to describe the variety of measures they have to combat this illegal activity and to prevent criminals from using individual banks and the financial system in general as the conduit for their Proceeds of Crime. In all major jurisdictions around the world, criminal legislation and regulation make it mandatory for banks and financial institutions to have arrangements to combat Money Laundering, with harsh criminal penalties for non-compliance. The vast majority of criminal dealings are done in cash. Criminals need ways to dispose of the cash and have it reappear as part of their wealth with as little chance as possible of it being tracked back to the cash element. Criminals have to use the financial...
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