Law of Banking and Financial Institutions Benchmark Assignment

Law of Banking and Financial Institutions Benchmark - Assignment Example However, the general process that applies under the New York law for the incorporation of a bank is that; first, the organizers file a notice of intent for forming the bank. This notification of resolved is required to contain all the names of the principal directors/owners of the bank and nature of capital set aside for the operation of the bank. Second, the law requires that the organizers serve the nearby banks with a notice informing them of the intended new bank to be set in the country or locality. Subsequently, the bank is required to have a minimum number of five incorporators and in its application describe the classes of stock that it wishes to register and trade. Additionally, in the event that the nature of the bank to be formed is under the management of private bankers, they would be required to pass a fitness test for banking, have a minimal permanent capital amount of $1 million, and not engage in any purchases of real estate’s investments. In addition, the general limit is set for real estate loans that they are allowed to in the event of an unimproved realty. This limit is two-thirds of the reality and three-quarters of the reality when it improves (Bender, 2012). The statutes also restrict the bank from having any dealings with similar businesses. In other instances, the organizers of the bank will need to organize regular meetings with the Comptroller of Currency’s office and attend informal conferences with regard to the application. Based on these meetings, the formal application of the bank will take place with the submission to the District Office where the bank will be situated. After this, the public opinion is sought for a period of 30 days from other parties of interest before the final declaration of the bank’s application status (Asser, 2001). Given that the application is satisfactory, the Comptroller issues a letter of preliminary approval. From the date of preliminary approval, the law requires that the  bank begin operations within 18 months.

To Kill a Mockingbird Research Allusion Essay Example for Free

To Kill a Mockingbird Research Allusion Essay In To Kill a Mockingbird allusions are used throughout the book. An allusion is a passing or casual reference; an incidental mention of something, either directly or by implication. In chapter 11 Scout uses the allusion, â€Å"this looks like you,† to try to cheer Jem up. It was referring to Dixie Hall. He was an American Football player. He played college football as a halfback at the University of Alabama from 1932 to 1934 and with the Washington Redskins of the NFL in 1937. Howell was also the head football coach at Arizona State Teachers College, from 1938 to 1941 and at the University of Idaho from 1947 to 1950, compiling a career coaching record of 36–35–5 in American college football. Dixie Howell was inducted into the College Football Hall of Fame as a player in 1970. Howell was one of the best punters. Howell also had an uncredited role in the movie, The Adventures of Frank Merriwell as a football player. Scout’s allusion to Dixie Howell is to comfort Jem since he loves football. By telling him that Dixie Howell looks like him, she is telling him that he comes first and takes precedence over Dixie Howell who was a famous NFL football player and coach. This also shows Scouts deep understanding of Jem. although saying This looks like you may seem like a meaningless compliment, Scout knows that because of his love for football and how he is associated with it, this would be a major honor for him to have anything similar to one of the greatest football players at that time. That’s how the allusion is used in the book. Howell, Dixie. Dixie Howell ENotes.com Reference. Enotes.com. Enotes.com, n.d. Web. 16 Sept. 2012. .

Our Own Words: A Studentss Guide to First-Year Writing Essay -- Perso

Our Own Words: A Students's Guide to First-Year Writing I was born in Bulgaria, the Land of Roses, a â€Å"Wonderland† amongst others in Eastern Europe. After living there for eight years under the influence of communism, my family and I were eager to depart and head for America - â€Å" The Land of Opportunity.† The adjustments I had to make to my unknown surroundings in the United States were not easy or pleasant. My number one priority was to continue my education and, without hesitation, I was quickly enrolled in an English speaking elementary school. Aside from enduring scrutiny from my classmates, my toughest engagement was conquering the English language. I did not know the simplest words and, in fact, began by learning the totally unfamiliar English alphabet. I believe that my contempt for writing was influenced twelve years ago by my arrival in a foreign country with a bizarre and confusing language. After all, how can a language that consists of twenty-six letters incorporate millions upon millions of words? Because English was not native to me, I had to struggle to overcome the language barrier throughout my elementary school years. Most of my time was spent mastering the language itself and, in doing so, I missed out on the basic writing techniques that most American students were learning. While I was learning my ABC’s, they were introduced to the idea of expanding their vocabulary, increasing their use of proper punctuation and adapting to the â€Å"correct† way of spelling simple words. On the other hand, I was still trying to remember the meanings of elementary vocabulary words like library, wheelchair, and of course how could I forget, the difference between â€Å"redâ€Å" and â€Å"readâ€Å". Even the most si... ...ple who are successful not because of their intelligence level, but because of their HARD WORK. I consider myself to be one of those hard working individuals and although I am not the â€Å"prime â€Å" example of success, I do hope that younger generations can look up to me and realize that success comes with a lot of hard work! It doesn’t come easy and sacrifices often have to be made. Looking ahead at my future, I am not sorry to see that writing will play a major role in my lifestyle. As a television broadcaster, I am going to be utilizing writing on a daily basis, but for some reason that doesn’t bother me as much as I expected it to. Maybe I am finally outgrowing this stage of detestation and realizing the positive impact writing can have on my surroundings and me. I hope that, one day, my writing will reach a level that can change society for the better.

Essay --

A provisional title Making the State, War and Enemies in Israel/Palestine, 1948 Hypothesis The labeling of indigenous communities as dangerous enemies is not a static expression of a belief, but an ongoing communicative process within the settler society. I am predicting that as each of the hypothesized technologies mentioned below developed, the dissemination of critical counter-categorizations declined. H1) Expulsions were carried out by specialized armed units in a routine fashion soldiers critique declined as the war progressed H2) the absorption of competing militias within the Israeli Defense Force (IDF) as a newly formed national army lessened reciprocal criticism of the treatment of the Palestinians; press editorials of the main militias criticized each other’s treatment of the Palestinian communities, decreased as the war went on H3) it became easier to shield the army’s actions from scrutiny as fighting spread away from the bigger cities critical reports by non-army affiliated civilians decreased as the fighting spread wider H4) the political leadership minimized their resistance to covert decision-making within the security establishment as the war continued, there was a decrease in criticism of the decision making process that led to the expulsions. The main aim of my PhD research This research investigates the dynamics within settler colonial societies that reproduce struggles with indigenous populations. Specifically, I ask how the formation of the colonial settler state enables the pernicious labeling of colonised communities during periods of conflict. The case is the War of 1948, during which some 80% of the Palestinian population was expelled from the area that became the State of Israel. For this to happen, P... ...rch There are many resources that I am planning to use for my studies: Cohen, Hillel. 2008. Army of Shadows: Palestinian Collaboration with Zionism. Ehrlich, Avishai. 1987. â€Å"Israel: Conflict, War and Social Change† Esber, Rosemary M. 2009. Under the Cover of War: The Zionist Expulsion of the Palestinians. Flapan, Simha. 1987. The Birth of Israel: Myths and Realities. Halbrook, Stephen. 1972. "The Class Origins of Zionist Ideology" Masalha, Nur. 1997. A Land without a People: Israel, Transfer and the Palestinians McClintock, Anne. 1995. Imperial Leather: Race, Gender and Sexuality in the Imperial Contest. Ram, Uri. 1995. The Changing Agenda of Israeli Sociology: Theory, Ideology, and Identity. Zureik, Elia T.1979. The Palestinians in Israel: a Study in Internal Colonialism. More books and researches by Tom Pesah and Illan Pape are also sources to my studies. Essay -- A provisional title Making the State, War and Enemies in Israel/Palestine, 1948 Hypothesis The labeling of indigenous communities as dangerous enemies is not a static expression of a belief, but an ongoing communicative process within the settler society. I am predicting that as each of the hypothesized technologies mentioned below developed, the dissemination of critical counter-categorizations declined. H1) Expulsions were carried out by specialized armed units in a routine fashion soldiers critique declined as the war progressed H2) the absorption of competing militias within the Israeli Defense Force (IDF) as a newly formed national army lessened reciprocal criticism of the treatment of the Palestinians; press editorials of the main militias criticized each other’s treatment of the Palestinian communities, decreased as the war went on H3) it became easier to shield the army’s actions from scrutiny as fighting spread away from the bigger cities critical reports by non-army affiliated civilians decreased as the fighting spread wider H4) the political leadership minimized their resistance to covert decision-making within the security establishment as the war continued, there was a decrease in criticism of the decision making process that led to the expulsions. The main aim of my PhD research This research investigates the dynamics within settler colonial societies that reproduce struggles with indigenous populations. Specifically, I ask how the formation of the colonial settler state enables the pernicious labeling of colonised communities during periods of conflict. The case is the War of 1948, during which some 80% of the Palestinian population was expelled from the area that became the State of Israel. For this to happen, P... ...rch There are many resources that I am planning to use for my studies: Cohen, Hillel. 2008. Army of Shadows: Palestinian Collaboration with Zionism. Ehrlich, Avishai. 1987. â€Å"Israel: Conflict, War and Social Change† Esber, Rosemary M. 2009. Under the Cover of War: The Zionist Expulsion of the Palestinians. Flapan, Simha. 1987. The Birth of Israel: Myths and Realities. Halbrook, Stephen. 1972. "The Class Origins of Zionist Ideology" Masalha, Nur. 1997. A Land without a People: Israel, Transfer and the Palestinians McClintock, Anne. 1995. Imperial Leather: Race, Gender and Sexuality in the Imperial Contest. Ram, Uri. 1995. The Changing Agenda of Israeli Sociology: Theory, Ideology, and Identity. Zureik, Elia T.1979. The Palestinians in Israel: a Study in Internal Colonialism. More books and researches by Tom Pesah and Illan Pape are also sources to my studies.

Indonesian Culture Essay

Indonesia has about 300 ethnic groups, each with cultural identities developed over centuries, and influenced by Indian, Arabic, Chinese, and European sources. Traditional Javanese and Balinese dances, for example, contain aspects of Hindu culture and mythology, as do wayang kulit(shadow puppet) performances. Textiles such as batik, ikat, ulos and songket are created across Indonesia in styles that vary by region. The most dominant influences on Indonesian architecture have traditionally been Indian; however, Chinese, Arab, and European architectural influences have been significant. Sports in Indonesia are generally male-orientated and spectator sports are often associated with illegal gambling. The most popular sports are badminton and football. Indonesian players have won the Thomas Cup (the world team championship of men’s badminton) thirteen of the twenty-six times that it has been held since 1949, as well as numerous Olympic medals since the sport gained full Olympic status in 1992. Its women have won the Uber Cup, the female equivalent of the Thomas Cup, twice, in 1994 and 1996. Liga Indonesia is the country’s premier football club league. Traditional sports include sepak takraw, and bull racing in Madura. In areas with a history of tribal warfare, mock fighting contests are held, such as, caci in Flores, and pasola in Sumba. Pencak Silat is an Indonesian martial art. Indonesian cuisine varies by region and is based on Chinese, European, Middle Eastern, and Indian precedents. Rice is the main staple food and is served with side dishes of meat and vegetables. Spices (notably chili), coconut milk, fish and chicken are fundamental ingredients. Indonesian traditional music includes gamelan and keroncong. The Indonesian film industry’s popularity peaked in the 1980s and dominated cinemas in Indonesia, although it declined significantly in the early 1990s. Between 2000 and 2005, the number of Indonesian films released each year has steadily increased. The oldest evidence of writing in Indonesia is a series of Sanskrit inscriptions dated to the 5th century. Important figures in modern Indonesian literature include: Dutch author Multatuli, who criticized treatment of the Indonesians under Dutch colonial rule; Sumatrans Muhammad Yamin and Hamka, who were influential pre-independence nationalist writers and politicians; and proletarian writer Pramoedya Ananta Toer, Indonesia’s most famous novelist. Many of Indonesia’s peoples have strongly rooted oral traditions, which help to define and preserve their cultural identities. Media freedom in Indonesia increased considerably after the end of President Suharto’s rule, during which the now-defunct Ministry of Information monitored and controlled domestic media, and restricted foreign media. The TV market includes ten national commercial networks, and provincial networks that compete with public TVRI. Private radio stations carry their own news bulletins and foreign broadcasters supply programs. At a reported 25 million users in 2008, Internet usage was estimated at 12.5% in September 2009. More than 30 million cell phones are sold in Indonesia each year, and 27 percent of them are local brands.

5 Examples of Repetition and Redundancy

5 Examples of Repetition and Redundancy 5 Examples of Repetition and Redundancy 5 Examples of Repetition and Redundancy By Mark Nichol In each of the following sentences, repetition of words or phrases or redundant use of similar terms is easily eliminated, as described in the explanations and shown in the revisions that follow each example. 1. This procedure is called an assay. An assay determines the purity of a precious metal. The repetition in this sentence is suitable for aiding beginning readers in comprehension but is stilted and unsuitable for normal usage. Whenever a word or phrase ending a brief sentence is immediately or almost immediately repeated at the beginning of the next sentence, convert the two sentences to a single statement such as the one shown here: â€Å"This procedure, called an assay, determines the purity of a precious metal.† (If the first sentence is more extensive, revise otherwise to omit repetition of the term.) 2. We often refer to this type of test as purple-team testing. Organizations should utilize testing such as purple-team testing or similar activity to regularly test and refine their defensive posture. In similar constructions in which a repeated word or phrase is not in proximity to the first instance, it is still often a simple matter to omit the repetition: â€Å"We often refer to this type of test as purple team testing. Organizations should utilize such testing or similar activity to regularly evaluate and refine their defensive posture.† 3. Pairing these two departments together creates critical mass to justify infrastructure investments. If the definition of a word implicitly includes a key word or phrase that also appears in the pertinent passage, omit the repetition. In this case, pairing means â€Å"bringing together,† so the inclusion of together creates a redundancy: â€Å"Pairing these two departments creates critical mass to justify infrastructure investments.† 4. Implement steps to measure the success of your data analytics efforts, and also consider the most effective ways to report success and value to management and other key stakeholders. Also is redundant when it immediately follows and: â€Å"Implement steps to measure the success of your data analytics efforts, and consider the most effective ways to report success and value to management and other key stakeholders.† 5. The personal information available in medical records can be used to perform any number of identity-theft tactics for some form of financial gain (e.g., obtaining credit, filing tax returns, etc.). The Latin-derived abbreviations for â€Å"for example† and â€Å"and so on† are redundant; delete one or the other: â€Å"The personal information available in medical records can be used to perform any number of identity-theft tactics for some form of financial gain (e.g., obtaining credit or filing tax returns)† or â€Å"The personal information available in medical records can be used to perform any number of identity-theft tactics for some form of financial gain (obtaining credit, filing tax returns, etc.).† (Note, however, that i.e. means â€Å"that is† and, unlike e.g., is not redundant to etc.) Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Style category, check our popular posts, or choose a related post below:7 Types of Narrative Conflict55 Boxing Idioms20 Tips to Improve your Writing Productivity

12 Writers Discuss the Writing Process

12 Writers Discuss the Writing Process For almost a decade, the Writers on Writing column in The New York Times provided professional writers with an opportunity to talk about their craft. Two collections of these columns have been published: Writers on Writing: Collected Essays from The New York Times (Times Books, 2001)Writers on Writing, Volume II: More Collected Essays from The New York Times (Times Books, 2004). Although most of the contributors have been novelists, the insights they offer into the process of writing should be of interest to all writers. Here are excerpts from 12 of the authors who have contributed pieces to Writers on Writing. Geraldine BrooksWrite what you know. Every guide for the aspiring author advises this. Because I live in a long-settled rural place, I know certain things. I know the feel of a newborn lambs damp, tight-curled fleece and the sharp sound a well-bucket chain makes as it scrapes on stone. But more than these material things, I know the feelings that flourish in small communities. And I know other kinds of emotional truths that I believe apply across the centuries. (July 2001) Richard Ford  Beware of writers who tell you how hard they work. (Beware of anybody who tries to tell you that.) Writing is indeed often dark and lonely, but no one really has to do it. Yes, writing can be complicated, exhausting, isolating, abstracting, boring, dulling, briefly exhilarating; it can be made to be grueling and demoralizing. And occasionally it can produce rewards. But its never as hard as, say, piloting an L-1011 into OHare on a snowy night in January, or doing brain surgery when you have to stand up for 10 hours straight, and once you start you cant just stop. If youre a writer, you can stop anywhere, any time, and no one will care or ever know. Plus, the results might be better if you do. (November 1999) Allegra Goodman  Carpe diem. Know your literary tradition, savor it, steal from it, but when you sit down to write, forget about worshiping greatness and fetishizing masterpieces. If your inner critic continues to plague you with invidious comparisons, scream, Ancestor worship! and leave the building. (March 2001) Mary GordonIts a bad business, this writing. No marks on paper can ever measure up to the words music in the mind, to the purity of the image before its ambush by language. Most of us awake paraphrasing words from the Book of Common Prayer, horrified by what we have done, what we have left undone, convinced that there is no health in us. We accomplish what we do, creating a series of stratagems to explode the horror. Mine involve notebooks and pens. I write by hand. (July 1999) Kent HarufAfter finishing the first draft, I work for as long as it takes (for two or three weeks, most often) to rework that first draft on a computer. Usually that involves expansion: filling in and adding to, but trying not to lose the spontaneous, direct sound. I use that first draft as a touchstone to make sure everything else in that section has the same sound, the same tone and impression of spontaneity. (November 2000) Alice HoffmanI wrote to find beauty and purpose, to know that love is possible and lasting and real, to see day lilies and swimming pools, loyalty and devotion, even though my eyes were closed and all that surrounded me was a darkened room. I wrote because that was who I was at the core, and if I was too damaged to walk around the block, I was lucky all the same. Once I got to my desk, once I started writing, I still believed anything was possible. (August 2000) Elmore LeonardNever use an adverb to modify the verb said ... he admonished gravely. To use an adverb this way (or almost any way) is a mortal sin. The writer is now exposing himself in earnest, using a word that distracts and can interrupt the rhythm of the exchange. (July 2001) Walter Mosley  If you want to be a writer, you have to write every day. The consistency, the monotony, the certainty, all vagaries and passions are covered by this daily reoccurrence. You dont go to a well once but daily. You dont skip a childs breakfast or forget to wake up in the morning. Sleep comes to you each day, and so does the muse. (July 2000) William Saroyan  How do you write? You write, man, you write, thats how, and you do it the way the old English walnut tree puts forth leaf and fruit every year by the thousands. ... If you practice an art faithfully, it will make you wise, and most writers can use a little wising up. (1981) Paul West  Of course the writer cannot always burn with a hard gemlike flame or a white heat, but it should be possible to be a chubby hot-water bottle, rendering maximum attentiveness in the most enterprising sentences. (October 1999) Donald E. WestlakeIn the most basic way, writers are defined not by the stories they tell, or their politics, or their gender, or their race, but by the words they use. Writing begins with language, and it is in that initial choosing, as one sifts through the wayward lushness of our wonderful mongrel English, that choice of vocabulary and grammar and tone, the selection on the palette, that determines whos sitting at that desk. Language creates the writers attitude toward the particular story hes decided to tell. (January 2001) Elie WieselAcutely aware of the poverty of my means, language became an obstacle. At every page, I thought, Thats not it. So I began again with other verbs and other images. No, that wasnt it either. But what exactly was that it I was searching for? It must have been all that eludes us, hidden behind a veil so as not to be stolen, usurped and trivialized. Words seemed weak and pale. (June 2000)