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RECIPES FOR

Adventure Healthy, Hearty & Homemade Backpacking Recipes By Chef Glenn McAllister

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Copyright Š 2013 by Glenn Owen McAllister Published by Glenn Owen McAllister PO Box 482 Waleska, GA 30183 www.backpackingchef.com All rights reserved. This book may not be reproduced in whole or in part, in any form or by any electronic or mechanical means, including information storage and retrieval systems, without written permission of the author. Cover photographs by Glenn McAllister Cover and book design by The Fast Fingers Book Formatting Service, www.thefastfingers.com


To Vögelchen, the “little bird” with whom I share the trail of life and love.


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Recipes

for

Adventure

Seafood Raminara...............................................................58 Ramen Noodles & Kraut......................................................59 Cheese-O-Rama..................................................................60 Rice with Meat & Vegetables................................................60 Beef & Broccoli with Rice.....................................................61 Unstuffed Peppers...............................................................62 Salsa Rice & Beans...............................................................62 Mexican Beef & Rice............................................................63 Hawaiian Shrimp & Rice......................................................64 Curry Chicken & Rice...........................................................64 Easy Cheesy Rice & Beans....................................................65 Chicken & Rice Cacciatore...................................................66 Shrimp and Grits.................................................................67

Enhanced Meals................................................... 68 Cheesy Lasagna...................................................................69 Beef Stroganoff...................................................................70 Cheddar & Herb Chicken.....................................................70 Red Beans and Rice.............................................................71 Spanish Rice.......................................................................72 Couscous with Beef & Tomato.............................................73

Dehydrating Whole Meals................................... 74 Beef & Bean Chili.................................................................74 Ratatouille..........................................................................76

Breakfast Recipes................................................. 78 Scrambled Eggs & Polenta...................................................78 Oatmeal Recipes.................................................................82 Green Grits & Ham..............................................................84 Pizza Grits Supreme.............................................................85

Dessert Recipes.................................................... 86 Pineapple Upside-Down Cake..............................................86 Trail Angel Cake..................................................................87 Apple Pie............................................................................88


Table of Contents

Peach Cobbler.....................................................................88 Banana Nut Bread Pudding.................................................89 Grahma Nanna Nilla Pudding..............................................90 Mud Pie..............................................................................91

Let’s Hit the Trail................................................ 92 Preparing & Packing Food....................................................92 Trail Cooking......................................................................95 Closing Thoughts................................................................97

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16

RECIPES

FOR

ADVENTURE

Mushrooms

Sliced baby bella mushrooms

Baby bella or small white mushrooms are good sizes to dry. Wash the dirt off in cold water, cut off the ends if hard or brown, and cut mushrooms into ⅛ inch thick slices. Place on the dehydrator tray in a single layer and dehydrate at 125° for six to eight hours until dry and leathery. Mushrooms absorb flavors well. To make savory mushrooms, heat 1 cup of water with a ½ cube of beef or vegetable bouillon in a pan. Bring to a boil and then remove from heat. Add one pound of sliced mushrooms to the broth and stir around for a few minutes. Savory mushrooms take about an hour longer to dry than uncooked mushrooms. Yield: 1 pound of mushrooms yields approximately 1 to 1½ cups dry.

Carrots l to r: Dried carrots shaved, raw and

precooked Dry carrots raw or steam them for eight minutes. Carrots shrink a lot when dried, so use large carrots instead of baby carrots if you don’t want tiny carrot bits in your meals. Steamed carrots shrink more than raw carrots and will turn a dark orange. Peel and cut into ⅛ inch thick slices. If a carrot has a narrow or tapered end, that part can be shaved with a peeler or grater instead of slicing it. Dehydrate at 125° for approximately six to ten hours or until leathery.

Yield: 1 pound of raw carrots (before trimming) yields approximately ¾ cups dry.

Slice green beans ½ inch to 1 inch long.

Green Beans Pick or purchase green beans that are not too fat and fibrous. Wash and dry green beans. Cut off the ends and cut beans into ½ inch to 1 inch lengths. Steaming for eight minutes before drying improves tenderness of the beans on the trail if you cook over candles or in a freezer bag. Spread in a single layer on dehydrator tray and dry at 125° for approximately eight hours. Dried green beans will be hard. Yield: 1 pound of green beans (before trimming) yields ¾ cup to 1 cup dry.


Dehydrating Food

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Broccoli & Cauliflower Soak broccoli for ten minutes in salt water and rinse to remove any insect eggs and grit. Cut the florets into smaller ½” bouquets. The stalk may also be dried. Cut half of an inch off the bottom and peel and discard the outer layer of the stalk. Cut the stalk crosswise into three sections about an inch to an inch and a half long. Turn each section on its end and cut down into four or five rows. Rotate a quarter turn and repeat so you end up with rectangular strips. Steam the broccoli for eight minutes to break down the fibrous walls of the stems and to bring out the dark green color of the florets. You may dry the florets separately from the stalks on parchment paper or non-stick sheet since some of the delicate florets may fall through. Dehydrate at 125° for approximately eight hours. Dehydrated broccoli and cauliflower will be brittle when done.

Broccoli florets and stalks may both be dried. Peel off the fibrous outer layer of the stalk before drying.

Yield: 3 stalks of fresh broccoli or cauliflower yields approximately 1½ cups dry.

Zucchini

Sliced zucchini cut into quarters

Wash zucchini and remove any dark spots on the skin. It is not necessary to peel zucchini before drying. Zucchini is tasty in a meal combined with tomatoes, mushrooms and onions. For use in meals, cut zucchini into ⅛ inch thick slices and then cut the slices into quarters. Skip the quartering if drying zucchini into chips for snacking. Dehydrate at 135° for approximately eight hours. Yield: 1 pound of zucchini (2 large zucchinis) yields approximately ¾ cup dry.

Cucumbers Dried cucumber chips are fair for snacking. If cucumbers have a thick waxy coating, peel first and then cut into ⅛ inch thick slices. If the cucumbers have large seeds, consider cutting the cucumbers in half longwise, scraping out the seeds, and then slicing the halves. Arrange in a single layer and sprinkle with salt if desired. Dehydrate at 135° for approximately eight hours if you want them crispy like a chip or at 125° for six hours if you want them chewy. Yield: 1 pound of cucumbers yields approximately 1¼ cups.

Sauerkraut Dried sauerkraut adds a nice little zing to backpacking meals and goes well with ramen noodles. It can even be snacked on dry. Drain liquid and spread out on dehydrator tray. Dry at 125° for approximately four to six hours until crispy. Stir once or twice. Yield: 1 pound of sauerkraut yields approximately 1 cup dry.

Sliced cucumbers


Let’s Hit the Trail

Trail Cooking Dehydrated meals need 20 to 25 minutes to rehydrate well. If using a highpowered stove that boils water in three minutes, turn it down so the meal heats gradually in six or seven minutes. Simple homemade alcohol stoves heat water in six or seven minutes which is perfect for cooking dehydrated meals.

Cooking a Dehydrated Meal: ●

5 minutes: Combine ingredients and water in pot and soak for five minutes. Wait to add milk and cheese powders until after the meal is cooked. 6 – 7 minutes: Light stove and bring to a boil. Keep the lid on the pot. 1 – 2 minutes: Continue boiling the meal for one minute. If the meal includes macaroni, boil for two minutes. This short amount of boiling softens the ingredients and speeds up rehydration. 10 minutes: Remove pot from heat. Stir in milk or cheese powders if included in the meal. Insulate pot in a pot cozy with the lid on and wait ten minutes.

Cookware: A pot that is wider than it is tall is better for cooking and rehydrating dried foods than a narrow, tall pot because more of the food stays in contact with the water. Use the smallest pot possible. A 900 ml pot is big enough to cook for one person and a 1300 ml pot is big enough for two people. A pot with a fry pan lid provides additional cooking volume and is handy for cooking sides of vegetables or dessert over three candles while the main meal cooks in the pot.

Titanium pots with fry pan lids. A 900 ml pot is big enough for one person and a 1300 ml pot is perfect for two. Inset above: A pot cozy made from foil-coated bubble wrap holds in the heat after you take the pot off the stove.

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RECIPES

FOR

ADVENTURE

Cleaning the Pot: ●

The menu for a day’s rations written on a paper towel. Use it to wipe and dry the pot after supper. Enclose and vacuum seal one or two paper towels with the daily rations.

Eat out of the pot and round up every last morsel with your spoon. Add one or two swallows-worth of water to the pot and swirl around, loosening any food particles with your spoon. Drink this water. The pot will be 99% clean. Repeat if you want to go after the last 1%. Rub off any remaining food as you dry the pot with the paper towel that you packed in your daily rations.

Candle Cooking: You can heat and rehydrate extra vegetables, hot apple sauce, fruits and chocolate sauce for desserts, and ground beef for sandwiches in a fry pan lid over three tea light candles – while the main course cooks in the pot. For most dried foods cooked as sides, rehydrate with an equal quantity of water. Three tea light candles will heat up to one cup of water efficiently. The water gets hot, but doesn’t boil. Combine a ½ cup of dried food with ½ cup water for a single serving or 1 cup of dried food with 1 cup water for two servings.

Timing: ●

Three tea light candles heating and rehydrating apple sauce made from apple sauce leather in a fry pan lid. (Shown without windscreen)

10 minutes: Combine food with water in fry pan lid and soak. 10 – 15 minutes: Light candles and heat food. It takes ten minutes to heat a ½ cup of water for one serving or fifteen minutes to heat 1 cup of water for two servings.

Resources Visit BackpackingChef.com to learn how to make pot supports, windscreens, and pot lids for tea light alcohol and candle cooking. While you’re on the website, sign up for Chef Glenn’s free monthly newsletter, Trail Bytes, for more ideas about dehydrating food and making homemade backpacking meals.


WOW Matters Venterra Realty, A Better Way of Living 5th Anniversary, Special Edition

A Better Way of Living www.VenterraLiving.com


 ABOUT VENTERRA Venterra’s mission is to acquire and manage multi-family real estate assets in the southeastern United States that deliver a superior resident living experience. Our residents will experience A Better Way of Living. We will achieve this while maintaining profitable operations, long term appreciation and preservation of capital. Venterra creates an enduring environment where honesty, integrity, respect and humility flourish in the never ending pursuit of excellence. Venterra deploys proprietary technology and leading people management systems to pursue our focus on people, customer service and operating excellence. Our culture of innovation and access to our real-time information drives productivity, focus and a never-ending pursuit of a “Better Way”. Venterra’s success is rooted in our Core Values – values that define who we are and how we conduct ourselves. It is the bond that ties us together and gives our organization strength.

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respect our customer’s time


and respond with an exceptional sense of urgency

5

th Anniversary


MANUAL DE

ECOGRAFÍA CUTÁNEA F. ALFAGEME

Con la colaboración de

E. CEREZO y R. AGUILÓ Prólogo

DRA. C. VILLEGAS


Copyright © 2013 Fernando Alfageme Roldán All rights reserved. ISBN-10: 1480262706 ISBN-13: 978-1480262706


Dedicatoria a mi mujer Almudena a nuestros hijos Aitor y Leyre A mis padres JosĂŠ y Valentina


Detrás de éste libro se esconden años de inmensa capacidad de trabajo, ilusión, curiosidad y enorme generosidad al compartir con todos nosotros, sus compañeros de viaje, su interés y conocimientos. Cristina Villegas Fernández

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INTRODUCCIÓN

Este manual es la culminación de una idea: que los médicos relacionados con la medicina de la piel (dermatólogos, médicos estéticos, cirujanos plásticos y médicos de familia) y la imagen ecográfica (radiólogos, ecografistas ) conociesen y aplicasen los principios del ultrasonido al estudio de la piel , con la misma naturalidad que hoy en día puede utilizar otros métodos complementarios de diagnóstico no invasivo (dermatoscopia, microscopía confocal, luz de Wood, etc). El manual está planteado tanto para los médicos que se inician en la ecografía sin conocimientos previos como para los médicos con conocimientos ecográficos que quieran ampliar sus conocimientos en ecografía cutánea: En el primer grupo de temas se plantean los conocimientos básicos, de ecografía aplicados al estudio de la piel. Esta parte es obligada para los médicos sin experiencia ecográfica y recomendada para los médicos con experiencia ecográfica como repaso de conceptos. En el segundo grupo de temas  se exponen los principios prácticos de ecografía cutánea y estructuras asociadas en ecografía cutánea. En el tercer grupo de temas se aborda la patología cutánea tanto inflamatoria como tumoral desde el punto de vista ecográfico junto con las aplicaciones en estética y al intervencionismo cutáneo. Esperamos que este manual de iniciación a la ecografía cutánea, en próximas ediciones sea el lugar de encuentro de la experiencia de muchos más compañeros que se apasionen por la ecografía de la piel.

F. Alfageme

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¿Cómo utilizar un Ecógrafo? Botonología F. Alfageme

2

iNTRODuCCiÓN La primera imagen que tenemos de un ecógrafo es de un tablero de mandos con miles de ruedas y botones, muy similares a lo que podría ser la consola de mando de un avión. Esta es una de las razones por la que la mayoría de los médicos no se acercan a la ecografía. En este capítulo describiremos cuales son los controles básicos en cualquier aparato de ecografía, a continuación, se indican varias funciones recomendables si queremos trabajar con las imágenes adquiridas y unas funciones avanzadas que dependen más de la sofisticación del equipo y la experiencia del ecografista. Finalmente, se hablará de las sondas y de la técnica básica de ecografía cutánea.

2.1 Funciones básicas Las funciones básicas nos permiten realizar una visión de la lesión en directo con cualquier equipo. Función ON/OFF: En ocasiones no es tan evidente como pudiera parecer. Función 2D: Suele estar seleccionado por defecto, nos proporciona las imágenes

en modo B.

Función de profundidad/depth: Centra la imagen en profundidad. En el caso

de la epidermis y dermis, trabajaremos muy superficiales en los primeros 2 cm. Si nos interesan estructuras profundas debemos aumentar a 3-4 cm. La profundidad

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MANUAL DE ECOGRAFÍA CUTÁNEA Fig. 4.3 Doppler espectral.

4.3 Ajustes y parámetros en ecografía doppler cutánea. PRF Los vasos de los plexos cutáneos suelen ser de pequeño tamaño y el flujo de los mismos suele ser muy lento. Este hecho, junto con la superficialidad de los vasos en los que trabajamos, conlleva un ajuste especial del equipo para trabajar en piel. Los pulsos de ultrasonidos que se emiten para medir los flujos sanguíneos tienen una frecuencia que denominamos PRF (Pulse Repetition Frequency).

CONSEJO En general, en ecografía cutánea, la ganancia doppler se aumenta hasta el punto inmediatamente anterior al artefacto de llamarada.

Si la frecuencia es muy rápida, detectaremos los flujos más rápidos pero los flujos más lentos serán imperceptibles. Por el contrario si la frecuencia de repetición de los pulsos es muy lenta detectaremos muchos movimientos inespecíficos, como por ejemplo, el propio pulso o el movimiento de la respiración. La frecuencia del doppler también es relevante ya que frecuencias más altas nos permitirán medir flujos más superficiales y frecuencias más bajas nos permitirán medir flujos más profundos. DETALLE TÉCNICO En la mayoría de las publicaciones, el PRF más utilizado en ecografía cutánea son 750 KHz.


Principios del eco doppler en ecografía cutánea

La ganancia del doppler nos permite aumentar la señal de una manera similar a la ganancia en modo B. El ajuste de la ganancia del doppler en ecografía cutánea debe ser muy cuidadoso ya que los flujos son muy lentos y cualquier aumento brusco nos puede producir un artefacto en llamarada (ver sección de artefactos en este capítulo) que nos dificultaría la visualización de los pequeños vasos cutáneos.

 4.4  E  spectros en doppler pulsado cutáneo. Parámetros hemodinámicos útiles en ecografía cutánea El modo de doppler pulsado nos permite determinar cuáles son las características del flujo dentro de los vasos, informándonos de las características hemodinámicas de los mismos. ​ ara medir en modo doppler pulsado primero deberemos situar en la muestra del P doppler color o power el vaso. A continuación, aparece una línea perpendicular que contiene una pequeña ventana (gate) . Esta ventana debería estar en el centro del vaso y no debería ser mayor que 2/3 del diámetro del vaso de interés. El equipo representa entonces la curva velocidad/tiempo. Esta curva o espectro doppler puede tener varias formas según las características del flujo en cada vaso: 1. Las arterias periféricas  musculares presentan una curva  ascendente sistólica

seguida una curva descendente en diástole. Debido a la elasticidad de estos vasos, hay un componente ascendente vuelve a ser positivo (ascendente telediastólica). Este espectro se denomina trifásico.

Diagrama 4.4.1

Fig 4.4.1  Espectro arterial trifásico

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MANUAL DE ECOGRAFÍA CUTÁNEA

El movimiento del instrumento se puede observar ecográficamente hasta que llega al cuerpo extraño que en un movimiento de rotación tracción puede ser retirado.

Cirugía guiada por ecografía Basado en la extracción de cuerpos extraños y de que podemos introducir instrumental a través de incisiones y controlar su trayecto y acción a través de la sonda ecográfica en tiempo real es fácil intuir que se pueden intentar extirpar lesiones a través de incisiones mínimas con toda seguridad y control similar a lo que se consigue en la cirugía endoscópica. Esta técnica se puede utilizar en la extirpación de tumores subcutáneos como quistes epidermoides, lipomas o calcificaciones tipo osteoma cutis con las siguientes ventajas: 1. El tamaño de la incisión puede ser más apropiado al de la lesión y al instrumental

utilizado que el de la cirugía abierta. 2. Que podemos localizar incisiones accesorias en áreas estéticamente más favorables para acceder a lesión. 3. Que podemos confirmar que la cirugía es completa en el mismo acto quirúrgico sin restos que favorezcan la recidiva.

BIBLIOGRAFÍA RECOMENDADA Para los que quieran profundizar en el tema del intervencionismo ecográfico recomendamos los capítulos sobre intervencionismo que aparecen en los libros: Ecografía musculoesquelética esencial A Bueno JL del Cura Madrid: Medica Panamericana 2010 Bianchi y Martinoli Ecografía Musculoesqueletica 2011 Ed Marban O. John Ma, James R. Mateer Emergency Ultrasound, Second Edition 2007 Mc Graw Hill


iNDiCE ANALiTiCO

A absceso, 47 ácido hialurónico, 16, 34, 35, 37 adenopatías, 16, 65, 68, 69 aliasing, 25, 26 ángulo de insonación, 20, 21 artefacto en llamarada, 23, 25, 55 artefactos, 13, 14, 15, 17, 25, 26, 53, 85 arterias , 23, 24, 43, 44 B Breslow, 64, 65, 66 bursas, 42, 43, 47 C calcifi cación, 14, 16, 57, 58, 73, 74, 77, 108 carcinoma basocelular, 61, 62, 69 carcinoma epidermoide, 62, 63, 69, 76 cartílago, 14, 40, 99 celulitis, 32, 48, 93, 94, 95 cuerpos extraños, 14, 16, 76, 93, 100, 107, 108

D dermatofi broma, 43, 56, 58 dermatofibrosarcoma protuberans, 67, 69 dermatomiositis, 50, 51 dermis, 7, 10, 14, 19, 29, 30, 31, 32, 35, 46, 49, 50, 52, 54, 58, 65, 69, 73, 79, 80, 81, 83, 87, 88, 89, 90, 91, 93, 94 Doppler color., 20, 21, 26, 28, 43, 92, 97 Doppler pulsado, 21, 23, 26, 44 E ecógrafo, 2, 7, 9, 11, 81 envejecimiento, 31, 79, 80, 81 epidermis, 7, 14, 29, 30, 45, 51, 58, 62, 66, 69, 73, 76, 79, 81, 90, 93 esclerodermia., 50 espectro bifásico, 24 espectro trifásico, 35 espectro arterial, 44, 72, 75, 76, 78 espectro venoso, 24, 75, 78

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MANUAL DE ECOGRAFÍA CUTÁNEA

F falange distal, 14, 15, 33, 34 fascia de Scarpa, 89, 92, 102 fascia superfi cial, 91, 92, 93, 94, 95, 96, 100, 102 fascitis necrotizante, 14 folículo piloso, 35, 36, 37, 91 frecuencia doppler, 19, 21 G ganancia, 4, 5, 8, 11, 22, 23, 25, 28 gel, 4, 10, 27, 30 granuloma piógeno 76, 77 H hemangioma, 71, 72, 77 hematoma, 99 hidrosadenitis supurativa, 48 hidroxiapatita cálcica, 16, 87 hiperqueratosis, 30, 33, 47 hueso, 14, 26, 39, 40, 41 I imagen en espejo, 14, 17 implantes, 16, 83, 84, 86, 87, 88 indice de resistencia, 26 interfase acústica, 2, 13

M malformaciones arteriovenosas, 74 malformaciones capilares, 73 malformaciones linfáticas, 74 malformaciones venosas, 73 marcaje ecográfi co, 104, 105 matriz,14, 15, 37, 43, 54 melanoma, 53, 61, 62, 64, 65, 66, 69, 70, 76 metilmetacrilato,86, 87 Morel-Lavallee, 100 morfea, 50 músculo, 14, 40, 41, 94 N neovascularización, 19, 26, 27, 53, 62, 63, 64, 67, 69, 107 nervios, 39, 41, 42, 89, 103, 107 nevus, 64, 65, 69 nódulos grasos distróficos, 98 O onicocriptosis, 35 onicolisis, 35

P patrón en nevada, 86 patrón vacuolar, 85, 86 pelo, 14, 35, 36, 37 L PHACES, 72 lecho ungueal, 14, 33, 34, 35, 49 pilomatricoma, 57, 58 lentigo maligno melanoma, 65, 66, 67 pliegue proximal ungueal , 34 ligamentos, 41 poliacrilamida, 85, 87 lipoatrofia semicircular anular, 94, 96, power Doppler, 21, 23, 28, 43, 92 102 PRF, 22, 25, 26, 28 lipomas, 53, 55, 56, 58, 59, 97, 99, 108 psoriasis, 33, 45, 48, 49, 50 lobulillos adipocitarios, 26, 32, 46 lupus, 31, 50, 51, 52


The Victim Donor A Novel

Ken Corre


The Victim Donor Copyright Š 2007, 2009 by Kenneth A. Corre, M.D. All rights reserved. No part of this book may be used or reproduced by any means, graphic, electronic, or mechanical, including photocopying, recording, taping or by any information storage retrieval system without the written permission of the publisher except in the case of brief quotations embodied in critical articles and reviews. This is a work of fiction. All of the characters, names, incidents, organizations, and dialogue in this novel are either the products of the author's imagination or are used fictitiously. Books and e-books www.kencorre.com or:

may

be

ordered

through

Ken Corre P.O. Box 49771 Los Angeles, California 90049 Because of the dynamic nature of the Internet, any Web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author. ISBN: 978-0-983-01102-6 Printed in the United States of America

 


Acknowledgments I would like to thank my beloved family and cadre of loving friends for sacrificing precious time together so that I could pursue my writing. I am also grateful for the editing skills of Ed Stackler; the exceptional medical mentors in my clinical training and for the multiple untold positive influences throughout my life.


Chapter 1 John Harris woke to his watch alarm. He lay on his side, facing away from Cheryl. The first memory that surfaced was of their argument the night before. He got up and quietly headed toward the bathroom. Despite having just awakened, he was ruggedly handsome in his husky, five-feet-ten frame. John allowed minimal time for a shower, a shave, and breakfast in order to maximize what little sleep he got during the week. Cheryl operated with a different sort of efficiency. In their walk-in closet, she had already laid out her clothes, including her ironed white coat with C. Harris, MD, Pediatrics embroidered on it in red thread. The lapels were adorned with little animal pins, the type that kids at Utah Memorial Hospital found disarming; her stethoscope was looped above one of the large pockets. Her black bag sat on the floor beneath her outfit. Like John, their two boys had never laid out their clothes ahead of time for school. The two girls had done so since the tender age of two—and without any prompting. John simply grabbed one of his suits, a shirt, and one of a number of ties. It was Wednesday, and he needed to bring his tennis racquet and workout clothes for a lunchtime game  that was, if he got a lunch break. John ranked highly at his brokerage, but the hours were killing him. And if the hours didn't prompt his surrender, then his superiors would. Not one of them earned John's respect at any level. In fact, John thought that if his boss were in a crosswalk as John's car approached, John would be faced with one of life's great dilemmas: which pedal would he hit? Before leaving, John took a risk: he approached Cheryl's sleeping body, kissed her cheek ever so gently, and whispered an apology into her ear. She gave him a brief hug with one arm and fell back asleep. Her clock displayed 4:17 AM. On his way outside, John mulled two questions. How long could he continue to wake up at 4:00 AM? And was this what old age was like—mutual love, but precious little lovemaking? How could that be? He and Cheryl were only forty-one. The movement beyond his Range Rover caught his eye. Three deer and a fawn grazed on the foliage. They suddenly stood perfectly motionless, their ears perked, as they fixed their gazes on 1


The Victim Donor

John. John paused as well, briefly, and then beeped his car remote. The deer fled with large leaps on delicate legs. The beauty of his surroundings was always in the back of his mind. He felt fortunate. John started up the Range Rover and reversed his path from the night before, down the mountain. He could see his house in the rearview mirror, illuminated by motion lights triggered by his departure. He held up his coffee mug in a mock toast. He could not wait to return. Not wasting another second, he hit the automatic dial on his cell phone and listened to his voice mail. There were a number of messages, but no big clients had called him. No panic attacks in the wee hours  good. The piano music on his stereo resumed where it had left off the day before. John settled in for the drive. Soon he would be sitting in front of a TV monitor, taking calls and scheduling meetings, his fingers tap dancing on his keyboard. Another day, another several dollars. No other traffic was visible on Highway 18. In a few more miles, the road would begin to coil. Sometimes, depending on his mood, John would play rock and roll as he entered the mountain twists. That day, he stuck with classical as he passed the Curves Ahead sign—an unnecessary warning. He knew the highway well enough to drive it by feel. It happened as he came out of a particularly sharp curve. John barely saw the flashing lights in time to apply the brakes. A small car lay on its side in the oncoming lane, near the steep drop-off. A large truck sat some thirty feet ahead on the right, close to the mountain, with its hazards flashing. As John stopped on the shoulder, a flashlight beam struck his windshield and bathed his face. Squinting, John could just make out the familiar khaki trousers of a U.S. forest ranger. When the ranger lowered the flashlight to the ground, John could see a third vehicle just beyond the large truck—a forest-service pickup with its lights flashing. John thought it odd that as the flashlight dimmed, the ranger smiled at him. A quick glance at the upended car did not reveal any bodies or body parts. No blood. The ranger approached the car, and John lowered the window. "Good morning," the ranger said. "There's been a bad accident here. I'm expecting a tow truck and ambulance soon." 2


The Victim Donor

Epilogue The specifics of the heinous crime perpetrated against John Harris spread rapidly to all news venues, worldwide. It provoked protests and rioting in the United States and in a number of other countries. John found a great deal of satisfaction knowing that the world opinion and outrage weighed in on his side. Unending requests for public appearances, as well as a book and movie deal, bolstered John's faith in humanity. His plan was to stay in the public eye as much as possible for as long as possible. The Harrises felt certain that this would keep him safe. However, John could not ignore the nagging feeling that the novelty of his predicament would eventually wear off and he, and his family, would once again be left vulnerable. If they did not have children, he and Cheryl agreed that they would have severed all contacts and just "disappear". The Saudis denounced the whole situation as a United States fabrication. The President of the United States found himself in a funny predicament. If his administration did not hotly pursue the FBI and CIA chiefs, a connection to the whole debacle would be presumed. He began private discussions on the feasibility of a presidential pardon. The International Criminal Court, at the Hague, has begun deliberations on the king of the United Arab Emirates and on the FBI and CIA chiefs. Violation of the Universal Declaration of Human Rights, Articles 1,3 and 5, are being considered. Of note, the United States is one of the most vocal opponents of this tribunal and does not participate in it, nor permit the court to have jurisdiction over its citizens. The recipient of John's kidney has ended his dependence on hemodialysis and has started to grow normally.

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Read on for a preview of Ken’s upcoming thriller

 


 

The Hacker by Ken Corre Chapter 1 March He is a knight in shining armor, his head shrouded in a black helmet with a heavy faceshield. His arms are covered in heavy protective gear that project into the glass booth. He is ready, masterful, and undaunted. Or so he thinks. Any King and Queen would be honored to have this fierce soldier at the head of their army. Fuck the King, he says to himself. I should be King. They do not appreciate my magnificence. They will see. And fuck the Queen, the biggest bitch in a realm of bitches. The room itself is dark, but the glass booth radiates an incredible incandescence. It is so bright that without protective eyewear it can obliterate the retina of the eye and blind a man, perhaps permanently, in less than a few seconds. The initial flare up of the welder in the oxygen-free environment yields the most intense and pure white light. The Knight views it with deep religious reverence. As he begins welding, explosions of extraordinary color take place, dancing into the air as they fly off the tubular titanium joints being melded. It is a ballet of colors and shapes reminiscent of the aurora on the sun's surface. The images often change dramatically in tenor without warning. Unimaginable shapes of hate and evil suddenly dominate over the bright white light and colors. The images of hate appear dark against the blinding, white light. Sometimes the images are so intense that he has to stop welding, catch his breath, and allow the sweat to evaporate. Increasingly, he hears voices, words, and names accompanying these horrific images. Sometimes the words and names coalesce into a command, a mission from the highest source. At times, he looks to the source for guidance and receives no reply. He has to be patient. The foreman enters unnoticed and approaches Mr. Vitrelli. There is no response to his voice. When he taps Mr. Vitrelli's shoulder the Knight stands from his stool with the speed of a cornered animal, extricates his arms from within the glass booth, and turns to meet his attacker. A large knife materializes  


The Ledger A Novel

Lloyd Holm

Fox Farm Press


Copyright Page


“Virtue cannot separate itself from reality without becoming a principle of evil.� Albert Camus


Chapter

1

Paris December, 1982 Paul tiptoed down the darkened hall when he came to the open door of Hans Krüger’s study. He glanced in to see Mr. Krüger standing at the window, absorbed in thought. Hmm ... three a.m., yet the man still wore the same clothes he’d worn at dinner. Paul watched his future father-in-law, erect and resolute, bathed in a shaft of soft moonlight. Hans Krüger wasn’t at all what he expected, but then Paul hadn’t really known what to expect. The family photos Christine shared gave few clues about her father, and despite Christine’s obvious love for the man, she seemed to know very little about him. As for Paul, he knew three things. One, he knew he and Christine were in love and engaged to be married. Two, he knew the silent man at the window fought in World War II as a Nazi soldier. And three, Paul knew Nazis killed Jews. Transfixed, unaware of Paul studying him, Mr. Krüger hadn’t moved. His breathing was slow and rhythmic. But then for no apparent reason he raised his shoulders and winced, closing both eyes as if trying to keep some painful thought at bay. A noise from elsewhere in the house failed to disturb his trance. Paul pushed back from the doorframe and continued on to the bathroom. There he somehow felt safe and far removed from the questions that were sure to be asked the next day. Already he knew his responses: Yes, Mr. Krüger, I plan on finishing my thesis on time. 1


THE LEDGER Yes, Mr. Krüger, I do plan on teaching at the university level. No, Mr. Krüger, I have never really thought about living in France. No, Mr. Krüger, we have not discussed having a family. Yes, Mr. Krüger, we have only known each other a year. Yes, Mr. Krüger, I know Christine was brought up in France and I am an American. There was also the big question, the one that was sure to be asked, and Paul didn’t know how to deal with it. The issue that caused him constant anxiety, the same one that had provoked more than one argument with Christine. Yes, Mr. Krüger, I am Jewish, and now and then I do attend shul. At last Paul opened the bathroom door and retraced his steps to the guest room, glancing into Mr. Krüger’s study as he passed. The room was empty.

2


Author’s Note

All locations and depictions of military actions in this book are factual. The Christmas Truce has been thoroughly researched and documented, both in print and in the cinema. By no means limited to the small section of No Man’s Land outside Foucaucourt-en-Santerre between the German 20th Bavarian Regiment and the French 99th Regiment d’Infanterie, it occurred up and down the trenches of the Western Front on December 24, 1914. References to this memorable event include articles in the lay press of the time and military archives. Downplayed by British and German leaders when it occurred, the Christmas Truce was nonetheless a highlight of a war that ravaged the population base of all combatants. The sheer numbers speak for themselves: 8 million lives were lost by all combatants combined, and when prorated on a daily basis, 5,600 men died each and every day of World War One from August of 1914 to November 11, 1919. In 1915, a similar attempt was made to revive the magic of the 1914 Christmas Truce, but with limited and isolated success. Interested readers are referred to Stanley Weintraub’s wonderful history Silent Night: The Story of the World War I Christmas Truce. The 3.Infanterie-Division, having been decimated in the battle of Stalingrad, was later reformed in May 1943 in Lyon, France, as the 3rd Panzer-Grenadier Division to include elements of the 386th Infanterie-Division. Both divisions actually fought in the theaters depicted and at the times mentioned. After May 1943, the 3rd Panzer-Grenadier Division fought in the Italian campaign (battles of Salerno, Cassino, and Anzio Beachhead) 285


THE LEDGER prior to being transferred to the Western Front. In August, 1944, the 3rd Panzer-Grenadier Division was transported by rail from Verona, Italy to St. Dizier and Bar-le-Duc, France, however, for purposes of plot advancement, I depicted the division near Paris before the city’s liberation. Elements of the 3rd Panzer-Grenadier Division were in the Saulx valley during the last week of August, 1944 and are alleged to have been involved in the Saulx valley murders. Additional deployment of the division north and east in response to the Allied advance across France brought about continued fighting until the end of World War Two in Europe, when the entire division was captured in the Ruhr Pocket on April 16, 1945 along with over 300,000 soldiers of the Wehrmacht. The atrocities perpetrated by the Nazis against people of Jewish heritage before the outbreak of hostilities on September 1, 1939 all the way through World War Two are well known. The examples depicted in this manuscript do not come close to scratching the surface of all of the known atrocities committed between 1936 and 1945. Further, the deportation of French Jews to the death camps is well documented, as is the accelerated persecution of French Jews following the successful landing at Normandy in June of 1944 but prior to the Allied advance. An excellent and thoroughly cited Internet source for further study, by Thomas Fontaine, “Chronology of Repression and Persecution in Occupied France, 1940–1944,” is noted below. Winston Churchill’s speeches, “Review of 1944” and the “The Fruits of 1944,” at the beginning of Chapter 24 were actually given on November 9, 1944 and November 23, 1944. In the novel’s timeline, I shifted it to August 1944, again for

286


Lloyd Holm reasons of plot advancement. While some passages of the speech are quoted verbatim, I did find it necessary to exercise some liberties with the text. The cold-blooded murders of ninety-eight Frenchmen in the Saulx valley by soldiers of the 3rd Panzer-Grenadier Division on the 29th of August, 1944, were indeed sparked by the ambush the day before, August 28, 1944, of four Germans—two officers and two noncommissioned officers— by members of the British Special Air Service and local maquisards. As a lasting tribute to the twenty-six Frenchmen murdered on the 29th of August in Couvonges, the main street of that village is now “rue du 29 Aoüt”—literally translated, the Street of August 29th. While thirteen Frenchmen were murdered in Sermaizeles-Bains on that same day, August 29th of 1944, the events depicted here as related to those murders are fictional. The names and events of the principal characters are also fictional. Not fictional are the timeless themes of good and evil, love, sacrifice, forgiveness, and redemption. As background resources, I consulted the following works: Aubrac, Lucie. Outwitting the Gestapo. London, 1993. Churchill, Winston. His Complete Speeches: 1897-1963, 19431949, Vol. II. New York, 1974. ­­———. The Gathering Storm. Boston, 1948. ———. Their Finest Hour. Boston, 1949. ———. The Hinge of Fate. Boston, 1950. ———. Closing the Ring. Boston, 1951. ———. Triumph and Tragedy. Boston, 1953.

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THE LEDGER Groom, Winston. 1942: The Year That Tried Men’s Souls. New York, 2005. http://archive.org/details/Winston_Churchill http://www.massiveviolence.org/Chronology-of-Repressionand-Persecution-in-Occupied-France http://www.uboat.net Overy, Richard. Why the Allies Won. New York, 1995. Stracham, Hew. The First World War: A New Illustrated History. New York, 2003. Weintraub, Stanley. Silent Night: The Story of the World War I Christmas Truce. New York, 2001. Winter, J M. The Experiences of World War I. New York, 1989.

288


Acknowledgements

I would like to thank all those who made The Ledger possible: James Markert for his insight and encouragement in all things literary. Steve Langan and the Seven Doctors’ Project for setting me on this path. Betsy Tice White for her kind words, sage advice and editing expertise. The early readers for lending an ear and providing honest feedback, Patricia Zahn, Kirsten Caskey, Andrew Holm, Greg Holm, Paul Veit, Bob DeGregorio, Norm and Pam Staniszwski, Lisa and Jesse Veit, Kathy Veit, Bob and Fran Crow, George and Meda Fulton, Janice Golka, Tovah Connealy, Pam Billmeier, Linda Varney, Bill Baker, Dawn Davis, Betty McClure, Linda Six, Ann Weber, Hank Cupp, Patty and Randy Ross, and Lori Mostek. Gretchen for her love, selfless support, numerous ideas along the way and unwavering belief in The Ledger. And no acknowledgement would be complete without thanking the reader; I hope your journey was a pleasant one.

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290


Glossary

Archduke Ferdinand – Royal Prince of Hungary and heir

to the Austro-Hungarian throne. Assassinated in Sarajevo on June 28, 1914. Bahnhof – German. Train station. Bastille Day – French national holiday commemorating the

anniversary of the storming of the Bastille which took place July 14, 1789. Black Wound Badge – Decoration awarded by the German

army for wounds sustained in battle. Equivalent to the Purple Heart in the U.S. military. Boche, boches (plural) – Derogatory French term for

German(s). Boeuf – French. Beef. Choucroute garnie – French. Dressed sauerkraut. Confinement – Obstetrical term for delivery of a woman’s

baby. Dieu – French. God. Dropsy – Old term for congestive heart failure. Enceinte – French. Pregnant. Fille – French. Daughter. Fils – French. Son. Fräulein – German. Single girl. Frère – French. Brother. Führer – German. Leader. Title Hitler gave himself.

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The Ultimate

Banker Getting In and Rising to the Top of the Banking Industry

Edwin Lim Kaiwen Leong, PhD & Edward H. Choi


Aktive Learning c/o Aktive Group Pte. Ltd. 10 Anson Road #21-02 International Plaza Singapore 079903 E-mail: publisher@aktive.com.sg Web site: http://www.aktive.com.sg Copyright Š 2012 by Aktive Group Pte. Ltd. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the publisher. ISBN (Paperback): 978-981-07-3333-9 ISBN (E-Book): 978-981-07-3334-6 National Library Board, Singapore Cataloguing-in-Publication Data Lim, Edwin, 1962The ultimate banker : getting in and rising to the top of the banking industry / Edwin Lim, Kaiwen Leong & Edward H. Choi. – Singapore : Aktive Learning, c2012.

p. cm. ISBN : 978-981-07-3333-9 (pbk.) ISBN : 978-981-07-3334-6 (e-book)

1. Banks and banking. I. Leong, Kaiwen, 1981- II. Choi, Edward H., 1991- III. Title. HG1601 332.1 -- dc23 OCN805986925


DISCLAIMER The material presented in this book is for informational purposes. While care has been taken to ensure accuracy and timeliness, the author makes no expressed or implied warranty of any kind and assumes no responsibility for errors or omissions. No liability is assumed for incidental or consequential damages in connection with or arising out of the use of the information contained within.


Dedicated to those who always look up


TESTIMONIALS “Edwin has taken a great deal of effort and artistry to produce an excellent book which covers all aspects of a bank’s operations. You can hardly put down the book, as he takes you through the maze and unravels the complexities of banking in a captivating way.” Chong Kok Kee Chief Operating Officer Several top Investment Banks with combined annual revenue of more than US$47 billion

“Hands down one of the best books out there on banking – I have never read a more interesting book. Kaiwen turns a typically dry topic into a something you cannot stop reading. You will not need another banking book after this one!” Tina Tian Econometrician American Express

“This book provides a refreshing lens to understand the banking industry, and provides valuable and sound advice. More importantly, based on a wealth of experience working in Asia, the authors highlight important Asian empirical cases, distinct from other books which are only focused on the West.” Dr. Ming Yang Assistant Professor of Finance Duke University

v


Getting the Banking Job line, and ask them if you can be of some help. Free help is rarely turned down. More often than not, they will find something that you can do. If they ask you an open-ended question about your skill set or previous experience, do your best to answer in a simple and straightforward manner. Based on your reply, if they have any doubt in your ability to do something, they won’t give you the task they have in mind. But they will give you something else to do even if it’s to organize and log into a spreadsheet all their plane ticket stubs. I have seen this specific case happen more than once. Chief Code Network by Doing Things for Them As an intern, there really isn’t much you can do for people. Thus, the only bargaining chip you have to get on somebody’s radar is to help them complete some trivial task. If you do this enough, they just might ask you to go with them on a coffee or lunch break. This is when you can really build the relationship, and build up references you can use to break in. Bankers often go out with other bankers. The banker’s friend will notice that he or she is speaking to you in a friendly manner and will assign a higher value to you relative to other interns.

Beyond the Grades If anyone tells you that grades are not important, they are lying. Period. Before the interview, everyone is assumed to have good grades. How do you think they choose amongst tens of thousands of applications for just a few coveted spots on the roster? Getting an average GPA of at least 3.5 or Honors is the bare minimum.

11


12

Part I:  Getting In and Ranking Up The next stage will be the interview. I can’t emphasize how important this stage is. I have seen students that hail from the Harvards, Princetons and the MITs of the world. Academically, these people are great. However, they are often so engrossed in their academic world that they cannot even mingle socially. They cannot converse beyond two lines when asked about the weather. I once had an interviewee who was so nervous he was literally shaking. I saw another interviewee who gave robotic one-liners to every question. To all you budding ultimate bankers out there, listen up. Interview skills are important. If you cannot even convince us to hire you, you can forget about convincing our clients to buy our products. Working on interview techniques is just the “soft” aspect of the interview. You will also need to build up on the “hard” aspect of the interview, which is to prepare the content. You have to know the what, the who and the how. This is when industry contacts come in exceptionally handy. If you do not already know people in the industry, build up your network at the university by attending alumni events. This was where I started, competing for opportunities at an alumni dinner with a handful of bankers and a thousand other students clamoring for their attention. After I earned my stripes as the COO of a multinational bank, I too went back for alumni dinners. I remember one particular incident when a student came to open the car door for me. How could he have possibly known that I would come in at that time, my car model and what I looked like? There could only be one


Part

II

Investment Banking


Turning Gold into Diamonds Wealth Management is about one thing and one thing only – turning gold into diamonds. This is the business of adding the “-er” to “richer”. In this chapter, we will learn how to break-in and rank-up in one of the highest demanded, and thus highest paid, divisions in the entire banking industry: the Wealth Management division and its select circle of private bankers. Why is the pay so high? It just happens to be that the Wealth Management division’s target clients are wealthy High Net Worth Individuals. Being a part of the Wealth Management division has benefits beyond just a hefty paycheck. You can also build a network of wealthy individuals who themselves have a vast network.

Plan of Attack So what’s our plan of attack in becoming the Ultimate Banker of the Wealth Management division? First, we’ll break you into the Wealth Management division. We’ll briefly go over which units of the division you can enter and how to acquire the basic skill sets you need. Then we’ll teach you what to do in order to hone those skills and move up into the Wealth Management division’s elite group of private bankers.

The Nitty-Gritty When we say “Wealth Management division”, we are referring to a division that offers a range of highly personalized banking services specifically targeted for High Net Worth Individuals (HNWIs). 109


About the Authors Edwin Lim, with more than 23 years of international experience in the banking industry spanning Retail, Corporate and Investment Banking, has held COO positions with top European and Asian banks, including OCBC Bank (China) Ltd., Credit Agricole (China), Calyon (Taiwan), and has worked in countries like London, France, Norway, Finland, China, Hong Kong and Taiwan. He brings a wealth of experience and knowledge from the viewpoint of the corporate world. Besides holding the COO position, he has also held key appointments such as Head of Regional Corporate Planning, Financial Controller, Head of Operations, Head of IT, Human Resources, Business Services, and Project Management. Among his successful corporate achievements, he has managed to incorporate two major banks in China, assisted and managed two bank mergers, re-engineered, restructured and re-trained staff in various countries, and integrated operations at regional levels. He was also recently invited to give a presentation at Princeton University’s Finance and Banking Seminar Series. With these set of skills, he gives an innovative and fresh perspective of adopting international corporate best practices into this book.

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276

About the Authors Dr. Kaiwen Leong is more than an economist, entrepreneur, and academic researcher. He is also a teacher and civil servant. Having graduated with two Bachelors and two Masters degrees in economics and mathematics in a mere four years, Dr. Leong then went on to obtain both his Masters and PhD in economics at Princeton University. He is a member of several of the most prestigious American academic societies, including Phi Beta Kappa, and has published research on economics, mathematics and physics. But his achievements do not end as an entrepreneur who developed Internet start-ups when he was in his early twenties. He has still found time to give back to the students of Princeton University and to the people of Singapore. Dr. Leong, the teacher, was twice awarded the Princeton University Towbes Prize for “Outstanding Teaching�. And Dr. Leong, the civil servant, returned to SPRING Singapore to serve his country in the newly created position of Economist. He then founded and was Managing Director of Princeton Mind, a social enterprise that aims to help youth at risk and juvenile offenders achieve their dreams. He is currently an Assistant Professor of Economics at Nanyang Technological University, an Associate Faculty Member at the Singapore Institute of Management, and consults for many private sector organizations, including Singapore Business Federation and Oxford Economics.


About the Authors Edward H. Choi is a student in the Economics Department of Princeton University. Edward has diverse financial and legal experiences in developed and emerging markets, including the corporate and securities group of Reed Smith LLP in New York, a macro hedge fund of a top global Investment Bank in Rio de Janeiro, Brazil as well as Washington, D.C., and the early stage venture capital fund and consulting business of Venture Partners do Brasil in São Paulo, Brazil. The United States President’s Advisory Council on Financial Literacy and the Department of Treasury twice consecutively recognized Edward in the National Financial Literacy Challenge.

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LODESTONE BOOK ONE

THE SEA OF STORMS SCIENCE FICTION BY MARK WHITEWAY PUBLISHED BY MARK WHITEWAY


COPYRIGHT 2011 MARK WHITEWAY


FOR MARY CHUEY


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405


Henrietta is Hungry written by Nina Lim illustrated by Terence Gomez


Copyright Š Nina Lim 2012 The right of Nina Lim to be identified as the author of this work has been asserted. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form, without the prior permission of the copyright owner.

ISBN: 978-0-646-58977-0


1


Henrietta is Hungry

2


19


e h t er

Ov

n o z i r o

H

Doyle Sinclair


This is a work of fiction. Although historical figures are portrayed, the incidents, actions, and dialogue presented herein are the product of the author’s imagination and are not meant to be construed as a part of the historical record.

Copyright ©2012 by Doyle Sinclair

All rights reserved. No part of this book may be reproduced, scanned, copied or distributed in any printed or electronic form without permission. Please do not participate in, or encourage piracy of copyrighted materials in violation of the author’s rights. Purchase only authorized editions.

ISBN – First edition – first printing Dec. 2012  iction - Adventure - horror - romance - women pilots F Pacific islands - historical fiction - Survival - Coconut crabs rats - cannibalism - rape - search and rescue


This book is dedicated to –

This book is dedicated to my brother Larry, who is a fearless world-traveler and adventurer. If anyone could survive ‘Rat Island’ it would be him. Also, thanks to several friends and beta-readers who have offered encouragement and advice throughout the years. Marie B. (my first betareader), and Bob W., Marshall A., Julia, Chuck H., Wendy, Walt Eddy, and many others.

iv


C hapt er

1

July 2, 1937 – somewhere over the Pacific Ocean

“B

race yourself Noonan, we’re going in!” “Amelia! For God’s sake pull the nose up! We’re going in too steep! We need elevation!” “I’m doing everything I can. The stick is dead, we’re going down.” “Turn the nose around, we can make it to that beach, there’s enough room to set it down.” Amelia grabbed the radio handset and frantically pushed the button. She wanted to make one more broadcast before it was too late. “Itasca! We must be on you, but cannot see you — our fuel is running low. Have been unable to reach you by radio. We are flying at 1,000 feet.”   Amelia dropped the radio handset and pulled the yoke as hard as she could and they leveled out. She scanned the vast table of blue beneath her. Ocean as far as the eye can see. Except for one small comma of land ahead. A particularly small island. Noonan scurried forward and peered over her shoulder. “Come on Amelia, we can land it. Turn it parallel to the island, come on, we can make that beach.” “How big is the island? You get a good look at it? Is it on your charts?” Amelia yelled over her shoulder at him. She hadn’t given it too good of a look as she was focused on the instruments in front of her. Noonan retreated back to his little table further back in the fuselage where he had his charts and navigational plotting instruments laid out. “Not on any charts, but from what I saw, it looks to be about three or four miles in length,” Noonan yelled up to her, “maybe a mile or two across. 1


over the Horizon

Horizontal to us now, so you better swing about and then come parallel so we can try for the beach.” The Lockheed Model 10 Electra was Lockheed’s first all-metal and twin-engine design, and relatively new, having been introduced only three years earlier. She knew that the maximum safe water depth for landing the Electra was six inches, but they were not going to be able to make it that close to the beach. The engine sputtered, their fuel completely spent now and the propellers ceased turning. For a moment their world was silent. To Amelia, the sensation of being airborne with no thrust was like being on the beginning of the drop of a roller coaster after just having rolled over the topmost curve, and they dropped silently towards the surface of the ocean. With no thrust to propel them, gravity began pulling the nose of the airplane dropped towards the waves. Amelia’s stomach lurched as she realized they were dropping; the end of their flight being forced upon them, not by actions, but by some sort of capricious unsmiling fate. She heard Noonan retching in the back of the fuselage at his navigation station. The plane dropped and then skipped off the ocean like a flat rock skipping the surface, the jolt of the underbelly of the plane making contact with the water threw Amelia forward against her seat restraints and she saw the waves rushing up towards them. They were airborne again, but she knew it was only for a few moments. She heard Noonan struggling with the door latch and knew he must be getting it open so that they could escape quickly when they hit the water. A sickly sweet stench reached her and she realized where she’d smelled that odor before. Then she remembered; her father, from years ago when he’d been such a drunk. His once handsome face, had become sloppy and slurry from drinking. Amelia could still remember that stinking sweet smell and she wrinkled her nose at the recurrence of the odor. “Noonan, have you been drinking hooch?” “Don’t you worry about it, Amelia, just fly the damn plane.” 2


Abo ut th e Auth o r

Doyle Sinclair is the author is 4 novels and 1 collection of short stories. He is lives in Dallas TX with his 2 cats Roscoe and Dylan. He works in sales, and spends his free time writing at his favorite coffee shop. He currently has 5 more novels planned and draws his inspiration from his overactive imagination, and the people, places and events around him. He enjoys photography, music, and history. He would have been a psychologist if heâ&#x20AC;&#x2122;d finished college, but he didnâ&#x20AC;&#x2122;t, so those needing therapy can probably thank their lucky stars. Please visit Amazon.com to see his titles.

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Fro m th e Auth o r

Thank You I would like to thank you for investing your money in this book and for taking the time to read it. Taking a chance on a new author is a risk that is not always rewarded, especially when there are so many good books out there waiting to be read. Speaking on behalf of independent authors, I would ask that you help increase our chances of finding success. Trying to break through as an author takes a lot of hard work, and most authors find very limited success. If you feel that this story has been well-written, is entertaining, and worth the price of the book, please tell your friends about it. Mention it on Facebook, or find other ways to spread the word about it. Independent authors have miniscule advertising budgets and most only sell handfuls of books that may have taken that author years to write. We write out of love for the craft, for the chance to tell an interesting, entertaining story, and we welcome any and all feedback. Each and every sale is exciting for us, and we truly appreciate it. I would also urge you to go online to Amazon, whether you purchased the book there or not, and add an Amazon review. The ratings help, the feedback is appreciated, and I will do my best to reply to each and every review, whether that review be negative or positive. Furthermore, anyone wishing to contact me to comment on, discuss or critique this story, or my writing in particular, may reach me at dwstxs1969@yahoo.com

Doyle Sinclair â&#x20AC;&#x201C; Dec. 2012

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Bonus Chapter: The following excerpt is a bonus for readers of Over the Horizon, the first chapter of RED DOOR by Doyle Sinclair.

Red Door By – Doyle W. Sinclair

“I see a red door and I want to paint it black.” The Rolling Stones – Paint it Black

“. . . thinking of a series of dreams, Where the time and the tempo fly, And there’s no exit in any direction, cept the one that you can’t see with your eyes . . . ” Series of Dreams – Bob Dylan

“The final mystery is oneself ” – Oscar Wilde

“All we are is dust in the wind . . .” Kansas

304


Nurse Teddy Bear Learns About Food Allergies Written by: Ann Lempert Deutsch Illustrated by: Students with Food Allergies


Copyright Š 2011 Ann Lempert Deutsch All rights reserved. ISBN: 466285648 ISBN-13: 9781466285644


DEDICATION

This book is dedicated to Dennis, Dara and Matthew, to children with food allergies, and to people everywhere who need to learn about food allergies.


School Food Allergy Guidelines

Schools recognize the growing number of students with potentially life threatening food allergies. They are committed to the safety of all of their students. As a school nurse, I recognize the responsibility to develop appropriate food allergy plans that detail emergency management and address conditions to prevent exposure to specific allergens. It is my belief that a collaborative partnership between school and family is the best way to achieve this goal while thoughtfully increasing the studentâ&#x20AC;&#x2122;s independence. A collaborative relationship within the entire school community can provide a safe and healthy learning environment. As a result, parents and their children with food allergies will be able to make the transition between the safety of their home environment into the expanding world 4 | Nurse Teddy Bear | Copyright 2011


My week spent with Dara went by very quickly. We did many fun things, and Dara taught me a lot about how she takes good care of herself in a healthy way. Now I know all about healthy snacks, reading ingredient labels, and of course food allergies. I learned so much and can’t wait to go home with another student and learn some more. On Monday morning, Dara brought me back to class. We sang together “Food we never share, listen to Nurse Teddy Bear” and then she gave me a big hug and a kiss. I’m going to miss Dara!

30 | Nurse Teddy Bear


Ali, Age 7 Allergic to peanuts, tree nuts and shellfish 31


ACKNOWLEDGMENTS

I couldnâ&#x20AC;&#x2122;t have put this book together without the help of many wonderful people including Cheryl Schwartz for her expert guidance and editing skill; Melinda Moses for her encouragement to write this book and her assistance in producing it; Dr. Zeligman, our school physician, for his professional guidance; all the parents who read this book and provided invaluable input and advice; and a huge thank you to my wonderful husband Dennis for his never-ending support. And to all of the children who contributed their wonderful illustrations to these pages, Thank You! You have made this book extra special!

Ann Lempert Deutsch | 33


About the Author A very special thanks to all of the talented children from Annâ&#x20AC;&#x2122;s school who contributed their wonderful illustrations to this book.

Ann Lempert Deutsch, RN, MSN, CPNP

Ann Deutsch has over 35 years of nursing experience, 17 of those years working as an elementary school nurse. She enjoys educating children, parents and the school community about food allergies, and hopes this book will be used to help all teachers, children and families be better informed and sensitive about food allergies. Ann is married with two children of her own.


OFFSHORE BANK LICENSE Seven Jurisdictions

Michael Magnusson


Published By: OPUS OPERIS LLP Regency House - Westminster Place York - YO26 6RW - United Kingdom Registered in the United Kingdom with Company Number OC381062

We plant a new tree for every paper book we sell. See www.opusoperis.co.uk for further details.

ISBN: ISBN:

Copyright Š 2012 Michael Magnusson No rights reserved for material in the public domain including laws and regulations. Any trademarks are the properties of their respective owners and no affiliation or endorsement is intended or implied. Country facts and map illustrations provided courtesy of the Central Intelligence Agency (CIA) Cover photo provided by iStockphoto.com


“The study of money, above all other fields in economics, is one in which complexity is used to disguise truth or to evade truth, not to reveal it. The process by which banks create money is so simple the mind is repelled. With something so important, a deeper mystery seems only decent.” John Kenneth Galbraith (1908-2006), former professor of economics at Harvard, writing in ‘Money: Whence it came, where it went’ (1975)


Contents Legal Notice

vii

Introduction

1

The Physical Presence

3

Capital Requirements

7

Qualification Requirements

9

Anguilla

11

Barbados

47

Belize

117

Cayman Islands

167

Montserrat

197

St. Vincent & the Grenadines

261

Republic of Vanuatu

311

License Application

367

v


Barbados

International Financial Services Act 2002 Chapter 325

ARRANGEMENT OF SECTIONS Preliminary 1. Short title. 2. Interpretation. 3. Amendment of Schedule.

Part I INTERNATIONAL FINANCIAL SERVICES Licensing Requirements 4. International financial services. 5. Licensees. 6. Licensee to have place of business. 7. Contents of application. 8. Directorâ&#x20AC;&#x2122;s qualification. 9. Examination of applicants. 10. Issue or refusal of licence. 11. Grounds for refusal of licence. 12. Licence and conditions. 13. Other special conditions. 14. Display of licence. 15. Revocation of licence. 16. Appeal against revocation of licence. 17. Misleading name. 18. Notification of actions to Central Bank.

49


Offshore Bank License

Financial Obligations 19. Capital. 20. Reserves. 21. Dividends. 22. Restriction on business activities.

Trust Activities 23. Separation of trust assets. 24. Common trust fund. 25. Declaration of trust. 26. Trust funds awaiting disposition. 27. Contents of declaration. 28. Dealing with trust assets. 29. Interest in common trust fund. 30. Status of licensee as trustee. 31. Application of Mutual Funds Act.

Abandoned Property 32. Abandoned property. 33. Disposal of abandoned property. 34. Sale of abandoned property. 35. Payment into Consolidated Fund. 36. Claims against property. 37. Refusal to pay claims. 38. Offence re: abandoned property.

Part II ADMINISTRATION OF LICENSEES Directors and Officers 39. Meaning of â&#x20AC;&#x153;directorâ&#x20AC;?. 40. Cessation of office by director and senior officer. 50


Republic of Vanuatu

Background Multiple waves of colonizers, each speaking a distinct language, migrated to the New Hebrides in the millennia preceding European exploration in the 18th century. This settlement pattern accounts for the complex linguistic diversity found on the archipelago to this day. The British and French, who settled the New Hebrides in the 19th century, agreed in 1906 to an Anglo-French Condominium, which administered the islands until independence in 1980, when the new name of Vanuatu was adopted.

Population 256,155 (July 2012 est.)

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offshore BanK license

Capital Port Vila

Official Language Pidgin (known as Bislama or Bichelama), English, French plus more than 100 local unofficial languages.

Regulatory Authority Reserve Bank of Vanuatu PMB 9062 - Port Vila Republic of Vanuatu Phone: +678 23333 Fax: +678 24231 Email: rbvinfo@rbv.gov.vu Web: www.rbv.gov.vu

License Types Offshore Banks are regulated by the International Banking Act No 4 of 2002. There are no restricted Class B Licenses.

Capital Requirements Offshore banks are subject to a USD 500,000.00 paid up capital requirement.

Offshore Bank License Fees License Issuing Fee Annual License Renewal Fee:

USD 8,000.00 USD 8,000.00

312


License Application The offshore regulatory authorities mentioned in this book will generally be happy to provide you with an application package for an offshore banking license including all the relevant forms and check lists. Belize is an exception, where the first step in the application process is always to schedule an appointment for an interview with the Central Bank. No application forms or other paperwork related to the application will be provided prior to such interview. The Due Diligence requirements are fairly uniform in the jurisdictions included in this book. All principals including directors, senior officers, shareholders and other key individuals are required to be deemed â&#x20AC;&#x153;fit and properâ&#x20AC;? and required to provide Police clearance certificate (or register extract), character and banking references, documentation demonstrating net worth and any previous experience from the banking/financial services industry. The proposed bank would also need to provide a Business Plan including financial projections and detailed descriptions of the planned banking services and products to be offered, customer types to be targeted and their geographic location, anti-money laundering measures and anticipated customer identification procedures (KYC). A successful application requires the assistance of accountants, lawyers and possibly a licensing consultant who can coordinate contact with the required professionals and authorities in the relevant jurisdiction and assist throughout the entire application process. This is an example of information and documentation required to accompany an application for an international banking license, in this case in the St. Vincent and the Grenadines:

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Offshore Bank License

(1) Name of applicant. (2) Address in the State of its place of business and the name and address of the registered agent in the State. (3) The names, addresses, citizenship and residency of all directors, shareholders, officers, managers and in the case of a publicly traded company only the names and addresses of shareholders owing ten per cent of the issued share capital or more. (4) Names and addresses of solicitors, if any, to the applicant together with a letter from the solicitors confirming that they act for the applicant. (5) Names and addresses of auditors of the applicant, together with a letter from the auditors confirming that they consent to act for the applicant. (6) Evidence of a proper application for incorporation of the company in the State and that the company is an â&#x20AC;&#x153;eligible companyâ&#x20AC;?. (7) Evidence in writing that the applicant itself or some person directly or indirectly connected with the applicant is possessed of solid and practical experience in banking business. (8) An undertaking in writing to provide and set apart a fully paid-up capital fund before or at the time it commences business, that the Authority may in its determination require, based upon the class of licence for which the application is being made. (9) Police record certifying no criminal convictions or alternatively a police record approved by the Authority. (10) Annual accounts of its holding company, if any, for the proceedings three years and subsequently annually duly audited and certified by an independent auditor.

368


Feedback

Comments? Questions? Please share

readers@michaelmagnusson.com


First Edition Published as an eBook December 17, 2012 by ZodbookS PO Box 117 Riverstone NSW 2765 Australia Website: www.zodbooks.com Email: info@zodbooks.com This Edition Published April 2013 ATLANTIS FACT: Two Colonies Inhabit the Atlantic & Pacific Oceans Copyright © 2012 by Rosemary Klem All rights reserved. No part of this book may be used or reproduced in whole or in part, copied, scanned, uploaded, electronically shared, resold, stored in a retrieval system, or transmitted in any form or by any means – electronic, mechanical, photocopying, recording, or otherwise – without the written prior permission of the publisher or the author. Edited by Rosemary Klem Cover design and artwork: Rosemary Klem © copyright Interior design: Rosemary Klem Cataloging-in-Publication details are available from the National Library of Australia ISBN:


Contents The First Word........................................................................................................... ix Introduction.............................................................................................................. xi BOOK I A MOTHER SHIP IN THE ATLANTIC OCEAN 1 Telepathic Communication...................................................................................1 2 Cybernetic Organism............................................................................................5 3 The Lift................................................................................................................15 4 The Bedroom......................................................................................................17 5 The Bathroom.....................................................................................................27 6 The Wardrobe.....................................................................................................33 7 The Study............................................................................................................37 8 The Dining and Living Rooms.............................................................................39 9 A Description of the Mother Ship.......................................................................43 10 The Living Center of the Mother Ship................................................................49 11 Cleaning..............................................................................................................53 12 The Life Cycle: Health / The Family Unit / Childhood and Education / Marriage / Death................................................................................................57 13 The Governing Authority....................................................................................69 14 The Kitchen.........................................................................................................73 15 Food Tablets.......................................................................................................77 16 The Balcony / Garage.........................................................................................83 17 The Main Shopping Center / A Small Boutique / The Physics of Clothing and Shoe Adjustment...................................................87


18 Robots................................................................................................................97 19 The Command and Navigational Centers /The Physics of Space Travel I..........103 20 Flying Saucers / The Physics of Space Travel II / Security and Combat........................................................................................109 21 A Trip in an Indoor Flying Saucer /....................................................................117 Traffic Lanes......................................................................................................117 22 The Beach / Sexual Attraction..........................................................................121 23 Dolphin Surfing.................................................................................................127 24 The Bird Life......................................................................................................135 25 The Streets.......................................................................................................137 26 A Book Printer..................................................................................................145 27 Abductions.......................................................................................................147 28 Reporters and Cameras....................................................................................149 29 Antarctica.........................................................................................................153 30 A Visit to a Recreation Area at the Lake...........................................................157 31 A Visit to Two Small Retail Shops......................................................................163 32 A Tribute to the First Visitor from Terra............................................................169 33 Guyd Kicks the Bucket /My Legacy...................................................................177 34 A Visit to the Museum......................................................................................187 35 Lunch at a Restaurant.......................................................................................191 36 A Visit to the Art Gallery and Library................................................................195 37 A Historical Look at the Empire of Atlantis.......................................................203 38 A Farewell Celebration.....................................................................................207 39 My Body Wakes from a Coma..........................................................................215


The First Word

d What we don’t know Is more than we know And stranger than we can imagine

A

tlantis . . . the “lost continent” made famous through one historical source: the Greek philosopher, Plato (360 BC). The mere knowledge of its existence has been solely preserved in a few passages of his writing. What we cannot perceive is that Plato’s account goes beyond the relevance of preserving the idea that there was once an existence of Atlantis, which would otherwise have been lost to us; it carries the clue to the question of who we are, where we come from, as well as why we are here. There is no perhaps about it: Atlantis is even the key to unlocking the mystery of our destiny. In his works, Plato presents to us only a vague notion of Atlantis. His facts are inadequate at answering the basics of why, how, and who. He only gives us the clue to where. For him to answer the former – that is, why, how, and who – was an impossibility in his time. Words to describe Atlantis would not have existed even to this great thinker. And, just as knowledge has suffered throughout the ages at the hands of vested interests, to whom knowledge and truth are a poison, his knowledge would have been venomous, more so than those truths for which the great Socrates lost his life at the hands of his accusers. Plato started something that he could not finish in that life span. This book finishes what he started. What a story there is to tell! One that answers the questions ix


ATLANTIS

we have asked about our existence: questions on our past, questions on our future. With this book comes a new beginning for man on Earth.

x


Introduction

d

F

ew words are necessary to introduce this non-fiction book. Atlantis is not a myth. Nor is it a lost continent. Atlantis – which represents a superior race of humans that originated from another planet, and which established us on this planet – presently exists on two fronts: a mother ship settled in the Atlantic Ocean – which is the basis of Book I; and a growing colony settled in the Pacific Ocean – which is the basis of Book II. In any work on Atlantis there is often a reference to the Bermuda Triangle, for good reason. What connection the Bermuda Triangle has to Atlantis is intriguing. What is unmistakable is that this book will on the one hand wind up the endless speculation surrounding this mystery, and on the other hand add a compelling twist to it, to the extent that researchers will be tempted to undertake a new wave of exploration of the region. Additionally, this book provides us with clues to solving some age-old mysteries, such as the Egyptian pyramids and the great flood. Lost in the riddles that speckle our yesteryear are specks of our tomorrow. In our examination of the mother ship as well as the colony, we will be looking at those specks – that is, at the blueprint of our future. The peoples of this globe share a commonality that goes beyond our borders, our customs, our hopes, and our beliefs, for, we are the “adopted children” of a superior race of humans, to whom our very existence as we know it is attributable. These humans have been here with us, closeted, throughout our entire history, with an end in mind, of which we will learn. xi


Economy and Trade / Legal System

why technology is highly guarded: in the wrong hands, it could spell ruin and chaos. The advantage is that robots and even computers know your thoughts. There is next to no possibility of cheating or corruption in their society.

d When you start a business in their society, you need to register that business, in the same way that we register a business. When it comes to the high end of business, as opposed to small business, companies are given the equivalent of a ring. This is no ordinary ring, and it is certainly not worn as an adornment. An administrator, who is a robot, gives the ring to you. Each board member may also be given a ring. All the “big shots” of a company – that is, those in the decision-making process who have “make or break” powers – are given a ring. When there is a board meeting, everyone usually wears his ring. The ring has an identification code that is unique to each company. Therefore, when more than one ring is given to a company, each ring carries the same unique identification code. How to identify the ownership of a ring is by the color signature. The color spectrum is so vast that no two colors are ever the same. The beautiful thing about using color signatures as a source of identification is that they are as unique as DNA prints. When you combine the color spectrum with technology, its potential is far-reaching. Once a company is given a color signature, it can never be copied or replicated. Trying to copy a color signature is the same as trying to copy someone’s fingerprints, or DNA print. Besides having a unique color signature, a ring possesses robotic technology. Robotic intelligence in the ring is like a spy in the sense that it records all the data relevant to every transaction that goes on in the company. Additionally, it records the data of everything that everyone in the company does (on a business level), particularly of those who can make or break the company. The ring cannot be lost or destroyed, and decisions or transactions can never be disputed. In a way, this is like a tracking device, only it tracks everyone’s moves, actions, and thoughts in relation to the business. It screens out anything irrelevant to the company. The ring is even capable of producing a holographic projection of

261


ATLANTIS

carry with you when you face another round of judgment. Your soul in this instance dreads ever having created such a memory.

264


Also by the Author

d More information available at www.zodbooks.com The First Cause The Secrets of the Universe, the Brain, & Our Ancient Past Finally Answered! Volume I ISBN: 978-0-9871167-0-3 An explosive book that solves the four greatest scientific challenges of mankind: The Origin of the Universe The Origin of Life The Workings of the Brain The Science of God There is no other book like it on the market. This is the most important book ever written, one that is destined to change our present theories on everything from cosmology to spirituality. Described as a masterpiece. Now On Sale at www.zodbooks.com

279


ATLANTIS

The First Cause

d

The Secrets of the Universe, the Brain, & Our Ancient Past Finally Answered! Volume II This book answers all the questions about Earth’s ancient past. Coming Soon

d William Shakespeare – The Biography A narrative non-fiction of the life of William Shakespeare. This sensational true life story of William Shakespeare – once thought lost to us – not only exposes his tragic love affair that turned to hate and changed his world forever, but reveals the psychological torment that cursed him until his death. Discover a life story filled with comedy, romance, tragedy, and blackmail; one that had as many twists as the plots he wove in his plays. Coming Soon

d Piroshka A narrative non-fiction of the life of Piroshka. Coming Soon

280


Book samples