...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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...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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...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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...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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...Theory and Practice of Regulation of Anti-Money Laundering for Banks and NonBanks Hayford Kwesi Annor Manager, Risk & Compliance/AMLRO, ABii National Savings & Loans Ltd. Doctorate of finance student, SMC University, Switzerland. FAAFM, Ch.FE, ACCPA, MBA, BSc, HND h.k.annor@gmail.com Abstract A deregulated financial sector is free to accumulate and allocate funds from anywhere irrespective of the nature, form, intent and source. Without regulatory oversight, this poses zero risk to banks and nonbanks no matter how they finance the capital structure. In the real world, banking is an outcome of interactions between the regulator and the regulated. Regulatory consequences apply for failure to comply with the acceptable standards of best practices of banking regulation which include fines, sanctions, jail terms and revocation of the banking license for willful or non-willful noncompliance. The physical disposal of proceeds of funds’ from crime with aim of separating same, through creation of layers to disguise trails of the source and make it seem legitimate undermines the integrity of the financial system. It is required of the banking sector to build a comprehensive framework that identifies, assesses, monitors, mitigates and reports perceptions of suspicious activities of money launderers under the discipline of the regulator to avoid being sanction for the related offences. This paper reviews theory to link practice towards money laundering risk assessment...
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...Essay - The Rental Heart DELPRØVE 1 Delprøve 1a 1. | Rebecca could see that her cousin had growed several inches since they had met two Christmases ago. | | Had grown | | Dette gøres fordi men på engelsk danner førtider med have + kort tillægsform | 2. | The organisers should have foreseen the shortage of space, and at the press conference they reluctantly admitted that it had led to chaotically situations in the pool area. | | Had led to chaotical | | Chaotically får fjernet ly-endelsen I dette tilfælde, da det er et tillægsord der lægger sig til navneordet ‘’situations’’ | 3. | During dinner Stuart was painfully aware of that his wife was engaged in an intense conversation with his new colleague from the sales and marketing office. | | Of the fact that | | | 4. | They said that there was nothing they could do for me tonight, but they might could help me if I called back tomorrow. | | But they were able to help me | | | 5. | Sasha was disappeared two years ago like her father 10 years before her. | | Sasha had disappeared | | I denne sætning skal et være førdatid, som dannes ved have + kort tillægsform | 6. | With a pride Ted found touching, she flung open the door to a big room which walls were stained with what looked like patches of mold. | | She flung the door open | | Forkert ordstilling | 7. | Until recently, have we only been able to guess about the actual psychological effects of fiction on individuals and...
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...1 Week 3 Case Study The Forgotten Group Member Janail Richard-Brown 8565 W Sam Houston PKWY S Houston, Texas 770?? Jrich_26@yahoo.com 713-988-1038 GM 591 Leadership Organizational Behavior Kim Nugent January 23, 2012 Group Development As of right now, the group is somewhere between norming and performing-this stage is actually called storming. My reason for using the two stages is that one group member is still not performing up to standard (Mike). I find that this has occurred and been encountered quite often in my experience at DeVry. Most members will be onboard and one will just do the lease amount of work necessary to pacify other members. Christine having and understanding of the stages of group development would better suit her in two ways. First she would be aware of how the group is functioning and the dynamics of a group activity. Then secondly, she would see that Mike was not falling under any of the developmental practices in the stages. Also, I think it would give her a better idea on how to obtain Mike’s full efforts on the assignment. Problem Identification Christine is first facing the lack of participation by one of the group’s members. Secondly the group is at a critical point because the assignment is nearing a close. Christine needs to understand how to motivate each member to be the best at giving a total effort to the assignment. People are a very delicate lot. She needs to have each member perform at a high standard and at the same time...
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...and I must answer all the questions from my tourits. My brother lives with me. He is manager at an important clothing company. About me it`s something new…Yesterday, I met a new boy. He is my neighbour and his name is Xin Jiang. He is from Japan. Xin is tall, with blue eyes and black hair. If you`ll come at me you`ll meet him( But what about you? Are you fine? I watch on TV some information about Romania. There are big problems with the jobs. Have you got anyone? Well...If is any problem at your job I have a suggestion for you. My chief is looking for a good assistant. From what I remember I know you can talk 5 or 6 languages. If I remeber good that`s perfect. You`ll be hired on the spot. Your wage will be about 700$. If you need this job please call me at my new number in 10 days. My number is 00830741555065. I`ll finish my letter now because is time to go out with Xin.. I`m so excited to see him. I`ll tell you in my next letter about this apointment. With love, your strawberry, Deea 190, Crazy Street, Maiami January 23th Dear Cosmin, I`m sorry i didn`t sent the letter earlier but i haven`t time to write you. I`m very busy because I moved in Miami and I had to move all my things,to get accustomed to the place,should I make new friends....
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...How to Train Your Dragon is a 2010 American 3D computer-animated fantasy film by DreamWorks Animation loosely based on the English book series of the same name by Cressida Cowell. The film was directed by Chris Sanders and Dean DeBlois, the duo who directed Disney's Lilo & Stitch. It stars the voices of Jay Baruchel, Gerard Butler, Craig Ferguson, America Ferrera, Jonah Hill, T.J. Miller, Kristen Wiig, Christopher Mintz-Plasse, and David Tennant. The story takes place in a mythical Viking world where a young Viking teenager named Hiccup aspires to follow his tribe's tradition of becoming a dragon slayer. After finally capturing his first dragon, and with his chance at finally gaining the tribe's acceptance, he finds that he no longer has the desire to kill it and instead befriends it. The film was released March 26, 2010 and was a critical and commercial success, garnering a positive response from film critics and audiences and earning nearly $500 million worldwide. It was nominated for the Academy Award for Best Animated Feature and Best Original Score at the 83rd Academy Awards, but lost to Toy Story 3 and The Social Network, respectively. The movie also won ten Annie Awards, including Best Animated Feature. Two sequels are currently in development, both to be written and directed by Dean DeBlois; they are scheduled to be released on June 13, 2014, and June 17, 2016.[2][3] The film's success has also inspired other merchandise, including a video game and a TV...
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