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AML requirements for covered institutions and individuals
Enforcement and regulation
Which government entities enforce the AML regime and regulate covered institutions and persons in your jurisdiction? Do the AML rules provide for ongoing and periodic assessments of covered institutions and persons?
As an affiliate of the Financial Services Commission (FSC), the top South Korean financial policy-making entity, the Korea Financial Intelligence Unit (KoFIU) takes the leading role in the AML regime.
The Financial Supervisory Service (FSS), a quasi-governmental entity that supervises and investigates financial institutions at the direction of the FSC, conducts AML supervision and inspection on behalf of KoFIU and has the power to demand sanctions against financial institutions violating AML laws and regulations as well as the officers and employees of those financial institutions.
KoFIU may conduct an annual comprehensive assessment on financial institutions’ compliance with AML obligations and may also require financial institutions to evaluate their own AML regimes (articles 18 and 19 of the Regulation on Anti-Money Laundering and Combating the Financing of Terrorism (the AML/CFT Regulation)). The FSS conducts assessments on each financial sector pursuant to its own plan, but the contents of the KoFIU assessment may be referred to inspection management.
Covered institutions and persons
Which institutions and persons must have AML measures in place?
The Act on Reporting and Using Specified Financial Transaction Information (the Specified Financial Information Act) requires financial institutions to fulfil AML obligations. Such financial institutions include the following:
- the Korea Development Bank;
- the Export–Import Bank of Korea, the Industrial Bank of Korea and banks under the Banking Act;
- investment traders, investment brokers, collective investment entities, trust entities, financial securities companies, merchant banks and transfer agency companies;
- mutual savings banks and the National Federation of Mutual Savings Banks;
- agricultural cooperatives and Nonghyup banks;
- fisheries cooperatives and Suhyup banks;
- credit unions and the National Federation of Credit Unions;
- community credit cooperatives and the National Federation of Community Credit Cooperatives;
- insurance companies, postal service agencies, casino business operators and the Credit Guarantee Fund;
- the Korea Technology Finance Corporation;
- discretionary investment business entities;
- specialised credit financial business companies and venture business investment associations;
- forestry cooperatives and the National Federation thereof;
- financial holding companies;
- small and medium-sized enterprise start-up investment companies and small and medium-sized enterprise start-up investment associations;
- foreign currency exchange service providers;
- Nonghyup Life Insurance Co Ltd and Nonghyup Property and Casualty Insurance Co Ltd;
- small-sum overseas remittance service providers;
- electronic financial business entity under the Electronic Financial Transactions Act;
- a person, the value of whose assets is at least the value stipulated in article 9(7)(i) of the Act on Registration of Credit Business, Etc and Protection of Finance Users among the credit service providers registered under article 3(2)(v) of the Act;
- a person engaged in businesses relating to virtual assets including the sale, purchase, exchange, transfer, storage and management of virtual assets(Virtual Asset Service Provider); and
- subsidiaries of the aforementioned financial institutions.
The scope of financial institutions under The Specified Financial Information Act tends to expand as a new type of technology and payment method emerges.
Do the AML laws applicable in your jurisdiction require covered institutions and persons to implement AML compliance programmes? What are the required elements of such programmes?
The Specified Financial Information Act, the Regulation on Reporting and Supervision of Specified Financial Transaction Information (the Supervision Regulation) and the AML/CFT Regulation require financial institutions to:
- report transactions that are suspected to be intended for money laundering or terrorist financing;
- report cash transactions over certain daily limits;
- conduct customer due diligence (CDD) (ie, verify client information and the beneficial owner of the entity or organisation);
- in the case of a wire transfer, provide the receiving financial institution with the name and account number of the sending person;
- ensure that their board of directors and officers are responsible for AML and combating the financing of terrorism (AML/CFT) and have the obligation to comply with AML/CFT requirements and to report AML/CFT-related matters;
- offer AML/CFT training to officers and employees once a year or more;
- establish an independent audit system and assess whether the AML programmes are being fully enforced;
- build a risk-based monitoring system for customers as part of the AML compliance programme; and
- retain records pertaining to CDD, financial transactions, currency transaction reports (CTRs) and suspicious transaction reports (STRs) for five years or longer.
The Regulation on Reporting and Supervision of Specified Financial Transaction Information sets guidelines of the aforementioned duties.
In addition to the foregoing, the Virtual Asset Service Provider is required to establish an internal standard restricting transaction for each of the following acts:
- directly or indirectly brokering or arranging sale or exchange of virtual assets issued by the Virtual Asset Service Provider or affiliated persons;
- trading or exchanging virtual assets through the Virtual Asset Service Provider by executives and employees of such Virtual Asset Service Provider; and
- practically engaging in the sale or exchange of the virtual assets as brokering, arranging or acting as a proxy of the client.
Breach of AML requirements
What constitutes breach of AML duties imposed by the law?
Any failure to report an STR or CTR, failure to conduct CDD or violation of the obligation to preserve records of AML obligation will result in a fine not exceeding 30 million won. If a financial institution violates its obligation of internal control measures; fails to comply with, refuses, interferes with or evades an inspection, order or instruction on financial institutions by the director of KoFIU; or fails to conduct enhanced due diligence, a fine of up to 100 million won will be imposed.
Any financial institution violating AML-related laws or regulations may be subject to administrative sanctions, such as correctional orders, business suspension, warnings and cautions. Also, the FSS will request the financial institution to take one of the following disciplinary actions against officers:
- recommendation for removal;
- suspension of duties for up to six months;
- notice of reprimand;
- notice of caution; or
The institution must also take one of the following disciplinary actions against employees:
- suspension of duties for up to six months;
- reduction of salary;
- reprimand; and
Generally, financial institutions take disciplinary actions as requested by the FSS.
Customer and business partner due diligence
Describe due diligence requirements in your jurisdiction’s AML regime.
Where a customer opens an account or makes a single financial transaction exceeding a certain amount of money (ie, 3 million won for a casino chip transaction, 1 million won for a wire transfer, US$10,000 for a foreign exchange transaction or 15 million won for other financial transactions), each financial institution must verify matters concerning the customer’s identity and the natural person who ultimately governs and controls the customer (ie, the beneficial owner) (article 5-2(1)(i) of the Specified Financial Information Act). That verification is referred to as CDD.
Also, where it is likely for a customer to commit money laundering or terrorist financing, including where it is doubted that the customer is the beneficial owner, the financial institution must further verify the purpose of the financial transaction and the origin of funds for the transaction (article 5-2(1)(ii) of the Specified Financial Information Act).
As for virtual asset business customers, the filing of the report on information related to those customers, the acceptance of the filing and the ex officio cancellation thereof must be additionally verified.
Where it is not possible to verify the identity of a customer because he or she refuses to provide information for identification, the financial institution must reject new transactions (such as opening a new bank account) with the customer, and if there is any transactional relationship between the customer and the financial institution, the financial institution must terminate the transaction (paragraphs 4 and 5 of article 5-2 of the Specified Financial Information Act).
Financial institutions must conduct CDD again for customers who have completed the CDD process in any of the following cases (paragraphs 2 and 3 of article 25 of the AML/CFT Regulation):
- when a transaction with a high risk of money laundering, etc, takes place;
- when the standards of customer identification data have changed significantly;
- when there has been a material change in the operation method of accounts; or
- when the financial institution becomes aware that customer information has not been fully provided.
For the purpose of CDD, a financial institution must identify the matters of the beneficial owner (article 5-2(1)(i)(b) of the Specified Financial Information Act). In particular, where a customer is a corporation or an organisation, the beneficial owner must be:
- a person who owns at least 25 per cent of the issued and outstanding voting shares of the relevant corporation or organisation or other investment stakes;
- if the financial institution is unable to verify the identity of such person, it must recognise as the beneficial owner, and verify the identity information of, a shareholder who holds the largest portion of shares or other investment stakes; a shareholder who has appointed a majority of representatives, managing partners, executives, etc; or a person who substantially controls the relevant corporation or organisation; or
- where the financial institution is unable to verify the identity information of those listed in (2), it must recognise as the beneficial owner, and verify the identity information of, the representative of the corporation or organisation (article 5-2(1)(i)(b) of the Specified Financial Information Act and article 10-5(2) of the Enforcement Decree of the Specified Financial Information Act).
In addition, where at least 25 per cent of, or the largest portion of, the issued and outstanding shares of the relevant corporation or organisation or other investment stakes are held by another corporation or organisation, then a financial institution may recognise as the beneficial owner, and verify the identity information of, those who may exercise dominant influence over important managerial matters of that other corporation or organisation and who fall under (1), (2) or (3) with respect to the latter corporation or organisation (article 10-5(3) of the Enforcement Decree of the Specified Financial Information Act).
High-risk categories of customers, business partners and transactions
Do the AML rules applicable in your jurisdiction require that covered institutions and persons conduct risk-based analyses? Which high-risk categories are specified? What level of due diligence is expected in relation to customers assessed to be high risk?
In connection with a risk-based approach, article 17 of the AML/CFT Regulation states that financial institutions must establish and operate measures to assess the risks of money laundering and terrorist financing (ML/TF) before providing new financial products and services to prevent those products and services from being abused for ML/TF purposes.
Also, financial institutions must identify and assess the risks of ML/TF and use that information for CDD, and, when identifying and assessing the ML/TF risks, must consider country risks, customer types, and product and service risks (article 28 of the AML/CFT Regulation).
Customers, products or services with high ML/TF risks are referred to as the high-risk category of ML/TF, and financial institutions must take appropriate measures to conduct enhanced due diligence for that high-risk category (article 55 of the AML/CFT Regulation). Therefore, in the case of customers in such high-risk category, financial institutions must further verify the purpose of the financial transaction and the origin of funds for transaction in addition to general CDD (article 5-2(1)(ii) of the Specified Financial Information Act).
Types of high-risk category include the following (article 30(3) of the AML/CFT Regulation):
- customers from the total asset management service group who are deemed necessary to identify additional information by a financial institution;
- politically exposed persons (PEPs) in foreign countries;
- non-resident customers;
- casino operators, mortgage lenders, money changers, etc, who are involved in a large volume of cash (or cash-equivalent) transactions;
- dealers in precious metals and stones;
- customers who are restricted from financial transaction as designated by the FSC with regard to terrorist financing;
- customers on the terrorist list issued by the United Nations;
- legal persons or organisations separately established to operate and manage trusted individual assets; and
- companies with nominal shareholders or bearer shares.
Types of high-risk products and services include the following (article 31(3) of the AML/CFT Regulation):
- certificates of deposit (in bearer form);
- correspondent banking services;
- non-face-to-face transactions with a high risk of money laundering, etc; and
- other products and services that the government and supervisory authorities consider as high risk.
Financial institutions must conduct enhanced due diligence as to foreign PEPs, their family members and those closely related to them (article 67 of the AML/CFT Regulation) and must constantly monitor whether their customers constitute PEPs (article 68 of the AML/CFT Regulation).
Correspondent banks must establish and operate procedures and control measures necessary for preventing and mitigating the ML/TF risks related to correspondent banking services when entering into correspondent arrangements. Correspondent banks are prohibited from entering into or continuing correspondent arrangements with banks that have no physical presence or have been established in a country or jurisdiction where supervision is not available (ie, shell banks) (article 58 of the AML/CFT Regulation).
Record-keeping and reporting requirements
Describe the record-keeping and reporting requirements for covered institutions and persons.
A financial institution must file STRs to the Commissioner of KoFIU without delay where:
- any reasonable grounds exist to suspect that an asset that has been given in relation to any financial transaction is illegal;
- any reasonable grounds exist to suspect that the other party to a financial transaction engages in ML/TF, such as engaging in illegal financial transactions in the name of another person; or
- any employee of a financial institution reports to the competent investigation agency after knowing that any property accepted in connection with a financial transaction constitutes criminal proceeds or funds for terrorism or weapons of mass destruction proliferation (article 4(1) of the Specified Financial Information Act).
The types of suspicious transactions are not specified by law, but KoFIU provides financial institutions with a guide to the types of transactions involving higher ML/TF risks, such as large amounts for cash transactions that have neither obvious economic rationality nor legitimate purposes and financial transactions conducted through accounts opened in others’ names, to help them determine whether a financial transaction constitutes a suspicious transaction (article 8 of the Specified Financial Information Act). In consideration of the number of trading partners and transactions of the customer, the number of branches where the customer had any transactions, the duration of the trading period as well as the aforementioned guide, financial institutions must determine whether a financial transaction should be filed as an STR (article 4 of the Supervision Regulation).
Where the sum of amounts paid or received from one-day financial transactions in the name of the same person is not less than 10 million won, financial institutions must file CTRs on such fact with the Commissioner of KoFIU within 30 days (article 4-2(1) of the Specified Financial Information Act).
Financial institutions must maintain records pertaining to compliance with AML obligations, including CDD requirements, the filing of STRs and CTRs and the provision of information on the transferor and transferee for any wire transfer, for at least five years from ‘the date the financial transaction has ended’. ‘The date the financial transaction has ended’ refers to:
- in the case of a general financial transaction, the date on which all debit or credit relationships between the customer and the financial institution was terminated;
- in the case of transactions in the derivatives market, the date on which the transaction was terminated upon the occurrence of any triggering event for termination (if the customer holds the account, then the date on which the account is closed); and
- in the case of a casino where casino chips are exchanged with cash or cheques, the date on which all debts arising from casino transactions between the casino operator and the customer are settled (article 5-4 of Specified Financial Information Act).
The Commissioner of KoFIU, the Commissioner of the FSS, etc, may, when necessary for supervision or inspection of financial institutions, make a request for financial transaction information and the STR- or CTR-related information to the head of the relevant financial institution. In those cases, any request for information must be limited to the minimum extent necessary (article 15(7) of the Specified Financial Information Act).
Financial institutions are not obliged to file STRs and CTRs to investigative authorities. However, the Commissioner of KoFIU may provide investigative authorities with STR- and CTR-related information if deemed necessary to investigate specific criminal cases (article 11 of the Specified Financial Information Act).
Describe any privacy laws that affect record-keeping requirements, due diligence efforts and information sharing.
Article 12(1) of the Specified Financial Information Act states that the regulations on the protection of credit information do not apply to STRs (article 4), CTRs (article 4-2), provisions of wire transfer information between financial institutions (article 5-3), notification of data of foreign exchange transactions (article 9), provisions of materials to investigative entities by KoFIU (article 10), information exchange with foreign financial information analysis institutions (article 11), requests for materials from financial institutions (article 13) and requests for materials in supervision and inspection (article 15(7)) thereunder.
Resolutions and sanctions
What is the range of outcomes in AML controversies? What are the possible sanctions for breach of AML laws?
The key sanctions under the Specified Financial Information Act are shown in the table below.
South Korea does not allow plea bargaining, settlement agreements, prosecutorial discretion, regulatory action or similar means instead of trial.
|Where a financial institution files a false report on STRs and CTRs and where any employee of a financial institution who intends to file or has filed an STR divulges such fact to the other party and the parties related thereto (article 17 of the Specified Financial Information Act)
|Imprisonment with labour for up to one year or a fine of up to 10 million won, or both
|Where the representative of a corporation, or an agent or employee of, or other persons employed by the corporation or an individual commits any violation under article 17 in conducting the business affair of the corporation or the individual
|Not only will the offender be punished, but the corporation or individual will also be punished by a fine under the relevant provisions amounting to fines of up to 10 million won (joint penalty provisions under article 19 of the Specified Financial Information Act)
Where a financial institution fails to:
Administrative fines of up to 30 million won
|Where a financial institution fails to:
|Administrative fines of up to 100 million won
|Where the Commissioner of KoFIU inspects a financial transaction and then finds that the relevant financial institution has violated the Specified Financial Information Act or any order or direction thereunder
|Correctional order, warning, caution or disciplinary actions against the relevant officers and employees
|Where a financial institution fails to implement a correctional order for a violation or receives a warning three times or more
|Suspension of business in part or in entirety for up to six months
Limitation periods for AML enforcement
What are the limitation periods governing AML matters?
Although there are provisions as to the limitation period of AML crimes, domestic AML laws do not specify that liabilities for AML issues are waived after a certain period.
Do your jurisdiction’s AML laws have extraterritorial reach?
As a branch or agency of a foreign bank with authorisation for banking business in Korea is deemed as a bank under the Banking Act (article 59(1) of the Banking Act), such branch or agency is subject to the Specified Financial Information Act. Therefore, such branch or agency is required to fulfil AML/CFT obligations, like domestic financial institutions, under the Specified Financial Information Act.
The Specified Financial Information Act also applies to overseas branches of Korean financial institutions. Financial institutions must supervise their overseas branches or subsidiaries and ensure that they fulfil AML/CFT obligations (article 27 of the AML/CFT Regulation). However, any payment or receipt of cash by such overseas branches is not subject to the CTR obligation. Also, where such overseas branches are unable to file STRs or conduct CDD owing to local statutes, the relevant financial institution must notify the Commissioner of KoFIU of that fact.

domain: law


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When I was about 15 years old, my dad gave my mom a Christmas gift that left big tears streaming down all of our faces. It was the most wonderful Christmas Eve, and I’ll never forget it.
A few weeks before Christmas I remember my dad sitting at the kitchen table one afternoon looking through piles and piles of old pictures. I can’t recall why he was originally looking through them, but I’ll never forget when he started showing me all of these pictures he’d set aside. They were all of my mom’s parents who sadly passed away years before I was born; her dad when she was just 11 and her mom when she was 23.
I could see a lightbulb going off in his head; he had an idea.
He found a local printing and framing shop and worked with them to make a 20″x24″ collage of these priceless pictures of my grandparents. He had it professionally framed and attached a long, loving note to the back.
I honestly remember it like yesterday. We’d all exchanged presents when my dad came walking in with one more. My siblings and I all knew what it was, and I was tearing up before she even opened it. She knew by our stares that something was going on. She read the note and then hugged my dad while they both shed the happiest tears.
The cherry on top was that he ordered an extra copy of the collage to give to my aunt (my mom’s sister) who also had it framed for her home. My dad is genuinely thoughtful; he knew this gift would mean just as much to her. I talked with her a few days ago when I asked her to send me a picture of this collage, and she said that she still sites this as the best gift she’s ever received.
This collage opened up an opportunity for my mom to tell us welcomed additional stories about her parents by explaining the pictures (several that she’d never seen before). For example, the center picture is from the day they eloped (which has quite the story behind it). I felt like I knew them better after going through each picture and hearing her stories. It’s still hanging in a prime spot in my parent’s home, and frequently seeing their faces has made me feel much more connected to them as my grandparents.
Even though I wasn’t the physical recipient of this Christmas gift, my dad gifted me a beautiful memory that exemplified thoughtfulness, attention to detail, and love. Three cheers, Dad!
Have you or a loved one ever given or received a sentimental gift that this story reminds you of? I’d love to hear!
Hi! I’m Erica, and I absolutely adore sharing my life on this website with you! I come here almost daily to blab about all of the things related to being a regular wife and mother in today’s ever-evolving society. I share about our new home, what’s on our kitchen table, what we’re hanging in our closets, where we’re traveling to next, my crazy 5 a.m. work outs, how I make time for girlfriends, our faith, and much more. We always have a lot of balls in the air and somewhat thrive on the chaos. I believe in the power of story-telling as a form of inspiration and entertainment, so I’m here to do both! I was born and raised in north Alabama and recently re-planted roots here again after my husband transitioned out of the Army (he is now in the Reserve and it’s going so well!) I’m a super proud mom to three little girls (ages 7, 4, and 1) who seem to be the stars of the show around here (for good reason – they’re pretty great!) I’m so glad you found me and are here reading! I hope we can get to know each other here on the blog as well as Facebook and/or Instagram. xoxo

domain: artistic


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The Colorado Rockies are home to 26 ski resorts, which host 20-25 percent of skier visits in the U.S.
Few skiers can tear themselves away from the meticulously crafted corduroy long enough to discover the hike-to football fields or the intermediate-friendly Coyote Glades.
An endless variety of skiing, from well-groomed greens to big mountain skiing.
Variety is the name of the game for this gem tucked at the base of Berthoud Pass in the Colorado Rockies.
An excellent variety of naturally differentiated terrain.
Discover this mountainous playground in the Rockies.
A homegrown Colorado favorite for your bucket list this season.

domain: geography


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domain: chemistry


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Other people who can help with Binding
Community-run 'library of things' - free to borrow items donated by local residents. Book via the website, collect & return on Sundays at the Open Market or by arrangement during the week.
A1 and A2 lamination, as well as smaller sizes
Laminate A0, A1 and A2.
Have a laminator that is 1m wide, and can do any length.
Photography studio and workspace for artists, designers, etc. They have a riso print machine and colour laser printer, some photography and lighting equipment for hire, and a photography studio that can be hired by the quarter/half/full day.

domain: library


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Try 4 Cambodia GC works with Kampuchea Balopp in Phnom Penh, an NGO that uses the sport of rugby as a means to educate children about social inclusion, respect, teamwork, gender equality and a healthy lifestyle. They work with more than 600 children each week, both disabled and able-bodied, and empower them through structured activities. The GC raises awareness for Kampuchea Balopp and helps connect them with rugby clubs in Singapore. They aim to provide support through social enterprise initiatives, rugby ball upcyling and coach training programmes. Try 4 Cambodia also collects sports equipment for the children to provide them with proper playing equipment and kit. The GC runs an annual World Cup of Touch event to promote gender equality, wellness and fun.
Try 4 Cambodia is a Middle School and High School Global Concern project.

domain: sociology


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Still living large! Rick Ross reveals his moobs as he takes to stage for his first time since being shot at
After a near death incident last month, Rick Ross is living large again.
Making his first public appearance since his Rolls-Royce was shot at in Ft. Lauderdale, the rapper took the stage at BET's Rip The Runway in New York City on Wednesday night at the Hammerstein Ballroom.
The 37-year-old showed off his tatted arms - and moobs - as he performed in a fitted vest and flashy red pants that hung below his bottom.
Back in action: Rick Ross took the stage to perform at BET's Rip the Runway in New York City at the Hammerstein Ballroom on Wednesday
Showing his signature style, Rick accessorized with big gold bling, stunner shades, and fancy, red athletic kicks.
Though the bearded singer took a chance by joining the music roster, he's continuing to put his safety first.
Since almost being hit by a bullet last month, it's become known that the full-figured song artist is still being threatened, and he isn't ignoring the danger he's in.
You only live once: The 37-year-old rapper isn't letting threats interfere with his music career
'We've learned cops have been guarding Ross at The London Hotel for the last few days,' TMZ reported.
After allegedly being targeted by a dangerous gang following his birthday celebration in Florida, the 'Hold Me Back' singer is taking advantage of law enforcement services to protect himself.
So, the other performers needn't worry about being in the same company as Rick on Wednesday at the Manhattan soiree.
Signature style: Rick showed off his bushy beard and tatted arms, as he decked himself out in gold jewelry
Included in that star-studded list was Kelly Rowland, who also co-hosted the event, Jaden Smith, and Willow Smith.
Well-known for his extensive acting career, this was Jaden's first time to actually debut his rapping skills.
And proud mum Jada Pinkett Smith was there to support her talented 14-year-old son on his big night.
Staying safe: The song artist is keeping law enforcement nearby, as he deals with dangerous threats
Kelly kills it again: After an amazing performance at the Super Bowl, Kelly Rowland put on a fierce show as one of the night's featured musicians and co-host
Big debut: Jaden Smith took the stage for his first time as rapper alongside his sister Willow Smith
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domain: celebrity


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Philadelphia International Airport (PHL) announced that Qatar Airways, recipient of numerous Skytrax industry awards and twice named the Best Airline for International Travel by Business Traveller USA, has chosen Philadelphia as the airline’s fifth U.S. city. Qatar Airways is scheduled to begin nonstop service from PHL to Doha, the capital of the State of Qatar, in March 2014. Boeing 777 aircraft will serve the route, which is Philadelphia’s first to the independent state in the Southern Arabian Gulf region of the Middle East.
“This is a great day for the entire Philadelphia region,” said Mayor Michael A. Nutter. “Convenient international air service in today’s global marketplace is essential to the economic vitality of a region, and this new direct service to Qatar gives businesses in the greater Philadelphia area access to a nation that has the world’s highest per capita GDP.”
The new service to PHL is the first by a foreign flag carrier in more than a decade. Qatar is the first foreign flag airline to the Middle East from PHL and would become the 4th non-U.S. airline to serve Philadelphia.
Qatar Airways serves more than 120 cities in Europe, the Middle East, Africa, Asia and North and South America.
Added Rina Cutler, Deputy Mayor, Transportation and Utilities: “Qatar Airways has distinguished itself as one of the best airlines in the world, and we are very excited that it has chosen to serve Philadelphia International Airport. This is terrific news for our Airport and our City, and I want to acknowledge Mark Gale and his staff as well as representatives from a variety of business and tourism sectors who worked hard on getting this new service.”
Earlier this year, Mayor Nutter and several City officials, including Airport CEO Mark Gale, met with representatives of the U.S. – Qatar Business Council, a non-profit, private sector organization that provides a forum for discussion of key economic, commercial and other issues of interest to American companies doing or planning to do business in Qatar. The Qatar delegation spent 2 days in the City and visited the Airport, where they met with Gale and members of PHL’s executive staff and were given a detailed presentation on the Airport including air service development.
Qatar Airways is the fifth new airline since 2011 to announce it would begin serving PHL. Virgin America and Alaska Airlines began new service in 2012, Spirit Airlines launched at PHL in April and Jet Blue will start service later this month.
“We are very proud of our successes in bringing new air service to the Philadelphia region, and this announcement by Qatar is great news for our traveling public, especially business travelers, who will have convenient access to an important economic center in the Middle East and beyond,” Gale said. “We look forward to Qatar’s new service and a long relationship with this award-winning international carrier.”
In a press release issued by Qatar Airways, the carrier’s Chief Executive Officer Akbar Al Baker noted that “Philadelphia is one of the major hubs of the soon-to-be-merged American Airlines / US Airways and will provide Qatar Airways’ customers with onward connections to over 100 cities. With the implementation of code share agreements with American Airlines and Jet Blue, which offer numerous connections beyond our U.S. gateways, Qatar Airlines is making big strides to strengthen its presence in the United States to ultimately give our passengers greater travel options.”
Qatar has a 5-star rating by SkyTrax, which named Qatar Airways Airline of the Year in 2011 and 2012 as well as the Best Airline in the Middle East seven consecutive years. Business Traveller Middle East also named Qatar Airways Best Business Class in the World in 2012, while Business Traveller USA named Qatar Airways Best Business Class to the Middle East in 2011.


Get a copy of our FREE Automation Success Kit to get your automation strategy rightDownload It Now
The year businesses locked down and digitalised up
As we entered 2020, investments in digital transformations were continuing at pace. However, no one could have predicted the speed with which businesses would be forced to accelerate their digitalisation strategies to manage the impact of the global pandemic.
A McKinsey & Company study* of 900 C-Suite executives found that digital adoption across business operations jumped ahead 3-4 years in just a few months in 2020. Businesses turned 1-3 year technology roadmaps around in a matter of weeks to facilitate widescale remote working virtually overnight.
Couple this with the seismic shift of consumer behaviour towards digital interactions that the pandemic has driven and businesses have had to adapt their operating models at lightning speed. The McKinsey study found that greater investment was made in technology during lockdown than in any other business continuity measure.
As we adjust to another lockdown, a positive we can take from the pandemic is shifts in the mindsets of business leaders. Technology has been given a renewed strategic priority. The C-Suite now recognise the vital role technology plays in business continuity and in delivering competitive advantages in aiding recovery.
Rapid digital transformation drives an urgency for automation
It’s been awe-inspiring to witness and play our part in driving rapid digitalisation within so many businesses at such speed. However, we can’t ignore the longer-term challenges this feverish period of digital transformation will create.
With rapid digital transformation comes a number of risk factors:
Platform and data sprawl
The ease with which cloud platforms can be implemented with just a few clicks means businesses are now awash with platforms, some of which will be duplicated across departments. The resulting data sprawl poses a significant risk.
Siloed systems and siloed innovation
With departments rushing to implement their own solutions, opportunities to collaborate, integrate and innovate across the business are missed. This reduces the cost-effectiveness of investment and leads to inconsistencies across departments.
Security and governance challenges
The usual IT software request processes have been bi-passed in order to facilitate change at speed. IT no longer has control of the entire IT estate and there may be vulnerabilities they have no sight of.
A lack of process evolution
Cloud solutions may have been implemented quickly, however, the processes for managing and defining their usage may not have been. This adds further security and data management risk and a lack of consistency.
When implementing digital transformation at speed and without a long-term strategic roadmap, the vast benefits may not be fully realised. It’s an oft-quoted statistic that 70% of digital transformations fail – a shocking figure given the incredibly high stakes. The reason for this failure is usually attributed to a lack of an overarching strategy defining technology’s role in the strategic direction of the business.
In these unprecedented times, businesses haven’t had time to meticulously plan how IT investments will fit within their long-term strategy. This means they’re likely to be facing a new challenge ahead: How to govern and optimise their digital transformations.
They now need to act fast to address this or risk falling behind the competition.
Step forward IT automation
IT automation has been the hottest topic for businesses for some time. The early adopters have been reaping the benefits through the pandemic, as they were better able to adapt at speed. Those that have been debating the benefits but not investing need to take that leap. This is because automation is becoming imperative to ensuring the success of their digital investments.
With ever-increasing pressure on IT personnel, the ever-growing complexity in modern IT environments and the challenges of a distributed workforce, automation offers significant benefits to drive businesses forward.
Do more with less for long-term success
Now more than ever, there’s a significant case for investing in IT automation to improve speed, consistency and security. A recent study by Vanson Bourne, cited on Computer Weekly**, shows that “93% of CIOs think AI-assistance will be critical to IT’s ability to cope with increasing workloads and deliver maximum value to the business”.
The key to addressing the challenges that businesses now face is to carefully assess business processes. Look at those that are holding the business back or offer the opportunity to help achieve its long-term strategic goals. But don’t automate just because you can. If it won’t add value, either in cost savings, productivity efficiency or customer experience, then it shouldn’t be a priority. Remember these wise words…
“The first rule of any technology used in a business is that automation applied to an efficient operation will magnify the efficiency. The second is that automation applied to an inefficient operation will magnify the inefficiency.”
Stop debating and start automating
2020 has forced automation to rise to the top of strategic discussions. Just a year earlier, IT and business leaders may have been debating the benefits of automation but with little commitment. Now, automation is a priority and business leaders recognise they need to automate to emerge stronger in the new normal.
With the right automation strategy, IT environments can scale more quickly. Automation ensures fewer errors and is more responsive to changing business and economic demands.
To recover quickly, we need to put technology to work.
By embedding an automation ethos into our IT managed services, we’re able to deliver business-changing process efficiencies. This increases the speed with which organisations can react to change.
Sources: * McKinsey & Company study
** Computer Weekly article


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Small Crest Fireplace Screen With Doors - Black
Ornamental scrollwork in solid wrought iron sets our exclusive Crest Fireplace Screen With Doors apart.
Each quality-crafted piece has a sturdy steel frame with a long-lasting powder-coat finish. Subtle hand-burnished highlights add distinction to your hearth, with or without a fire.
Piano hinges offer full-length support and long-term alignment; adjustable back feet to fit any firebox opening or uneven hearth. Steel mesh screening keeps sparks contained.
Easy assembly. Dimensions are approximate.
- Steel frame with powder-coat finish
- Ornamental scrollwork design adds style to your hearth
- Screens have magnetic closure doors for easy fire tending
- Outfit your fireplace with attractive, functional pieces
- Powder-coated finish with hand-burnished accents
38"W x 31½"H
38"W x 31½"H at center, 25¼"H at ends
Opening is 36"W x 25¾"H at center, 20"H at ends
13"D including feet

domain: design


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With increased momentum for cannabis law reform in Texas due to recent polling finding over 50% of the state to be in support of cannabis legalization, several state lawmakers have announced that they’ll soon be filing proposals to significantly reform the state’s cannabis policies. State Representative Harold Dutton Jr. has announced that he will soon …
Tag: state representative harold dutton jr.
- Colorado Sets Marijuana Sales Record With Over $140 Million Sold in August
- Study Finds Consumers of CBD-Rich Cannabis Extracts “Generally Tested Negative for THC in Hair”
- WA Liquor and Cannabis Board Puts Hold on Edibles Ban, Seeks Public Comment
- Canada’s Marijuana Legalization Law Takes Effect on Wednesday
- Congressman Says Trump Plans to Back State Marijuana Laws, Unveil Federal Reforms, Following Midterms
- New Jersey Governor Phil Murphy Says State May Legalize Marijuana by the End of the Month
- FDA Seeking Public Comment on the Potential Rescheduling of Marijuana
- Pennsylvania Committee Passes Marijuana Decriminalization Bill
Thank you for reading TheJointBlog.com!

domain: news


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Lifestyle factors including diet and biochemical biomarkers in acute intermittent porphyria: Results from a case-control study in northern Norway
AuthorStorjord, Elin; Dahl, Jim André; Landsem, Anne; Ludviksen, Judith K; Karlsen, Marlene; Karlsen, Bård Ove; Brekke, Ole-Lars
Methods: A case-control study with 50 AIP cases and 50 controls matched for age, sex and place of residence was performed. Dietary intake was registered using a food diary in 46 matched pairs. Symptoms, alcohol intake, stress and other triggering factors of the last AIP attack were recorded on questionnaires. Porphyrin precursors, liver and kidney function markers, vitamins, diabetogenic hormones and other nutritional biomarkers were analyzed by routine methods. The Wilcoxon matched-pairs signed rank test was used to compare the cases vs. controls. The Spearman's rank correlation coefficient was used on the cases.
Results: Increasing total energy intake was negatively correlated with the biochemical disease activity. The intake of carbohydrates was lower than recommended, i.e., 40 and 39% of total energy intake in the AIP cases and controls, respectively. The plasma resistin level was significantly higher (p = .03) in the symptomatic than asymptomatic cases. Plasma insulin was lower in those with high porphobilinogen levels. The intake of sugar and candies were higher in the AIP cases with low U-delta aminolevulinic acid (ALA) levels (p = .04). Attacks were triggered by psychological stress (62%), physical strain (38%), food items (24%) and alcohol (32%) in the 34 symptomatic cases. Alcohol was used regularly by 88% of the cases (3.2 g ethanol/day) and 90% of the controls (6.3 g/day), but the intake was significantly lower in symptomatic than in asymptomatic cases (p = .045).
Conclusion: A high intake of energy, sugar and candies and a higher insulin level were associated with a lower biochemical disease activity. The resistin level was higher in the symptomatic than the asymptomatic cases. AIP patients drink alcohol regularly, but the intake was significantly lower in the symptomatic cases.

domain: literature


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Posts may be sponsored. Post contains affiliate links. I may be compensated if you make a purchase using my link.
This must seem like the most stereotypically Canadian thing to do ever, but yes, we did it. We attended a Maple Syrup Festival! Justin and I spent a Sunday afternoon at Mountsberg Conservation Area in Campbellville, Ontario, and learned all about the production of maple syrup. Mountsberg is home to the 150-year old Mountsberg Sugar Bush where maple sap is still collected and used to produce syrup using historical and modern methods. Canada produces 80% of the world’s maple syrup supply with 91% of that supply coming from our neighboring province, Quebec. Maple syrup is also harvested in Ontario, New Brunswick, Prince Edward Island, and Nova Scotia. We are fortunate to live so close to such a unique harvest, especially when it is for something as sweet and tasty as maple syrup!
Justin and I wandered down a path through the Mounstberg Sugar Bush (a “sugar bush” is the term for a maple production farm). Sap is collected from the trees by tapping the trees. Trees are able to be tapped after they are 30-40 years old, supporting anywhere from 1-3 taps depending on the diameter of the tree trunks. We saw many trees with two taps and buckets on them, and also many with just one.
Sap being collected from maple tree
March is the ideal month for collecting maple syrup in our region. Maple trees depend on cold nights and warm days for the steady flow of maple sap. The ideal conditions for sap collection and syrup production are a few consecutive days with daytime highs of 5 degrees Celsius and nighttime lows of -5 C. Sap is not tapped at night because the temperature drop inhibits sap flow.
The average maple tree will produce 35-50 litres of sap per season. With the sun shining, yet the temperature remaining slightly above freezing with the snow still on the ground, these conditions were fantastic for maple syrup production, which we were able to see in action!
Inside the Sugar Shanty building, maple syrup was being produced from the sap using modern methods.
This diagram shows the basic production methods of making maple syrup from sap. It takes 40 litres of raw sap to produce 1 litre of pure maple syrup. As you can probably imagine, it takes a LOT of sap to make syrup! The production methods are little changed from colonial days, although some processes have been streamlined with modern equipment. Maple syrup is made by boiling the sap over an open fire. This must be properly monitored to ensure that the syrup contains an appropriate sugar content, without the sugar crystallizing or spoiling.
With this modern piece of machinery, we could see maple syrup being produced before our eyes! Also, back outdoors, maple syrup was being produced in traditional methods inside a giant cauldron over a burning fire. We didn’t stick around for very long to see the outdoor method as it was quite smoky, but regardless, it was pretty neat!
Maple syrup is great to use as an all-natural sweetener as it is unrefined, and retains all of the natural nutritional value from the sap of the maple tree. It has one of the lowest amounts of calories when compared to other sweeteners. It also contains several important vitamins and minerals, including manganese, riboflavin, calcium, zinc, and potassium. Maple syrup is very tasty to pour over your pancakes, and can also be used in place of sugar in some baking and cooking recipes.
Speaking of pancakes…
Mountsberg served pancakes with their own maple syrup at the Pancake House. While we didn’t eat any pancakes (we will prepare our own vegan pancakes at home with the maple syrup!), lots of people were devouring a delicious breakfast of pancakes and syrup. We were able to purchase maple syrup that was harvested right on site, and I got a maple candy lollipop made out of maple syrup! Yum!
Fun fact: Canadian maple syrup is exported to approximately 50 countries, including its primary importer, the USA. In 2007, Canada produced 67.6 million pounds of maple syrup yet exported 67.7 to the U.S. using reserve supply from previous years to support the growing exportation demand.
While this maple syrup festival in Ontario is now over for the season, there are plenty of other maple syrup festivals in Ontario that run well into April. For a full listing, check out the website of the Ontario Maple Syrup Producers Association. The fun at Mountsberg didn’t end at the Maple Syrup Festival – we also visited the Raptor Centre and Animals at Mountsberg.
Do you consume Canadian pure maple syrup? What types of food are unique to your country?

domain: food


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NMEFCU spaces 6125 4th Street/7170 Montgomery
6125 4th Street is a small office Adjacent to New Mexico Educators Federal Credit Union, located in the North Valley of ALbuquerque. There is currently 2,316 sq. ft. available @ a a competitive rate. Tenant pays Janitorial and Interior Maintenance as well. The zoning at this site is C-2.
7170 Montgomery Blvd. is located in the Louisiana Plaza Shopping Center on the Southeast corner of Montgomery and Louisiana. The building is available for Sublease with square footage of 5,937 at a sublease rate of $24.00/sq/ ft/ yr/Triple Net. This building has excellent visibility along Montgomery blvd with an average of 37,600 Cars per day. This property has a convenient Northeast heights location with restaurants, shopping and banking in close proximity.
If you would like more information on the property, call today @ 256-1255.
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Being a Pittsburgh sports fan has not always been the thing to swoon over the last 20 years, despite the 3 Stanley Cups and 2 Lombardi Trophies. There have been many heartaches and heart breaks through the years and I think these posts will epitomize that fact. Why focus on the negative? It keeps me grounded for when my teams fail to accomplish a goal and it makes the victories that much sweeter.
With that being said, I want to kick this off with what I think is probably my personal worst fan day.
1. Super Bowl XXX - Steelers lose to the Cowboys - When the best part of the game was Rod Woodson taunting Michael Irvin by pointing to his surgically reconstructed blown ACL, you know it's not going to be a very good day. Woodson played well. Not his best game of his career, but better than most of the guys on the rest of the team. Irvin would have the last laugh in the end, though.
This was Neil O'Donnell's final game as a Steeler. You have to understand how hard it is to even type his name without breaking the keyboard. It wasn't until after the 2006 Super Bowl that I could actually say his name out loud without going into a fit of rage. I spent the previous years cursing his name and denying the fact he was even a member of the team. I even went as far as cutting all of his cards into four sections. Not tearing, because that would be too quick and painless, but cutting. The four sections were then destroyed in four different calculated destruction ceremonies. One pile was burned. One pile was thrown in the trash. One pile was buried in the little strip of grass we had on the side of our dorm building. The final pile was released out the window of a moving vehicle while traveling at a high speed down Interstate 74. This assured that none of the pieces would somehow find their ways back to each other and reform into some kind of Franken-card and continue to taunt me with their wickedness.
I still hold a grudge against is cheatin' ass. Yeah, that's right. Cheater, cheater, punkin eater. Sour grapes, jealousy, hatred, call it what you want. I will go to my grave believing Jerry Jones somehow paid him off. How do you think it looks when you take a team to the Super Bowl, blow the game with completely unforced throws to phantom receivers that are easily picked off, only to follow it up the next day by jumping to another team for the highest paid QB contract in the league? He had to get out. People would have found out the truth had he stayed.
I'm not taking anything away from the play of Cowboys in this game. They obviously wanted it more and played like they did. It just hurts a little or a lot. The two Lombardi's since then has somewhat eased the pain.
That was actually a little theraputic. I can't wait to get day #2 off my chest.

domain: sports


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Apartamentos Nova Calpe-Borumbot
The apartment features free private parking and an elevator.
The venue is 21 km away from Terra Mitica . The tapas bar La Casa Restaurant is located 250 meters from the property.
The apartment offers 8 rooms. They feature climate control, a private safe, television, a work desk and a CD player. A bathroom with a shower and a bidet along with bathrobes and bath sheets is provided.
There is a kitchen fitted with a microwave, an electric kettle, a dishwasher, a fridge and a washing machine.
A swimming pool invites to cool off by.

domain: travel


Last weekend Marcus Edwards and his wife Shantel attended a Chicago Bears football game at Soldier Field. While Edwards was thrilled to see his favorite sports team play, he had another reason for attending the game that day.
After experiencing acute kidney failure in June, Edwards was told that he needed a transplant in order to survive. So, with the possibility of getting the attention of the thousands of people who were at the game, Edwards came up with the idea to hold up a sign with the message, �I Need A Kidney,� along with his blood type and phone number written on it. He hoped that a cameraman might catch it and help spread the news of his dire situation.
While his sign wasn�t broadcast on TV, he did meet quite a few people in the stands who wanted to help him reach his goal. One of those people was Jessica Jenkins. Jenkins noticed Edwards� attempt to get the attention of the cameraman, and she took a photo of his sign and shared it to social media with the hashtag #GetMarcusAKidney.
(Source: Jessica Jenkins Facebook)
Jenkins learned that since Edwards needs to be on dialysis five days a week, Shantel has been helping her husband and taking care of the needs of their four children, all while working a full time job.
“As a father, it is a challenge to watch his children cope with the challenges that they are facing with the medical condition at hand, the long term issues along with his diabetes, and finances,” Jenkins wrote in a Facebook post. “His wife and his children are the catalyst that keep him pushing on. They do what they can to find normalcy and routine as they tackle the challenges together.”
Jenkins even set up a GoFundMe page for the family to help offset the costs that come along with Edwards� treatment and medications. Edwards� blood type is O-positive and Jenkins shared information on how people can get tested to see if they�d be a match for him.
Thanks to Jenkins� post, Edwards has gotten over 1,000 text messages and has hundreds of missed calls and voicemails on his phone. Comments and shares have been pouring in and several media outlets have picked up the story. Many people have already inquired about getting tested to see if they�re a match.
�Your responses have been amazing! I told you we could do this! THANK you,� she wrote. �Marcus has responded to over 1,000 text messages and has hundreds of missed calls that he�s trying to return as he can. His voicemail is currently full and working on it!�
Jenkins went on to say that, moving forward, people should reach out to the Living Donor Program if they�re interested in becoming a donor.
What an incredible story about the kindness of others. We hope that Edwards finds a match soon!
You can contribute to the Edwards family�s GoFundMe campaign by clicking here.
If you�d like to be considered as a donor, please contact the Living Donor Program and let them know that you�re calling on behalf of Marcus Edwards of Jeffersonville, Indiana. The phone number is: 1-859-323-2467. Even if you�re not a match for Edwards, you could be matched with another candidate who needs a transplant.
If you�d like more information on becoming a living donor, click here. Let�s #StartSomethingGood together.


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Top health news on the BBC website today is an article about a research review by researchers in Copenhagen suggesting that vitamins A and E increased the rate of early death. The article is good. Go read it, but make sure you read the whole thing. Read how they carried out the review and how they selected the research to be included. First they took 68 trials, added them together to get a result that suggested that vitamins had no impact on the risk of early death. Then they took out 21 trials that they thought ‘had a slightly higher possibility of producing a skewed result’ and guess what…
the results the suggest that A and E may increase the risk of early death.
I have a lot of difficulty with this kind of research review:
- There is no new research.
- Trials can be cherry picked and results manipulated.
- The trials may not be compatible or comparable – for example one trial may use healthy people and others may use ill people.
At the end of the BBC article there is a response from Dr Ann Walker of the Health Supplements Service who also thinks the study is “worthless” because some of the trials involved patients who were seriously ill.
“How sensible scientists can suggest that a modest intervention of a single antioxidant supplement, can have a major effect in reversing life-threatening pathology, where patients already have advanced cardiovascular disease, is ridiculous.
“Vitamin, mineral and dietary supplements not only have proven health benefits, they are essential to the maintenance of good health and can help bridge the nutritional gap for many people in the UK whose diets are often lacking in essential nutrients.”
It’s up to you to make an informed decision about your health.

domain: medical


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From my cooped-up apartment, with water still stored in the bathtub, I made my way back out into the city. Scattered across the neighborhood, friends made their ways out, too, some for the first time in days, as Harvey had just finally cleared.
Outside of Buffalo Bayou, Montrose was mostly unscathed, except for the now-regular flash flooding and a cycle of phone alerts. With our newfound freedom, the obvious choice to meet up was the ice house.


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Race Rock Light, January 2012. Photograph by Gail Cypherd.
“Race Rock Light”
The Henry L. Ferguson Museum 2013 annual exhibition chronicled the history of this legendary light from conception to completion with a focus on the remarkable construction feat accomplished by engineer Francis Hopkinson Smith and his partner on the project, Capt. Thomas A. Scott.
The exhibition was produced in collaboration with the New London Maritime Society.
Race Rock Construction. Museum Collection
Postcard published by A.C. Bosselman & Co. New York, circa 1910. Museum Collection.
In the full sweep of Fishers Island’s history, there is no artist more synonymous, more closely associated with Fishers Island than Charles B. “Charlie” Ferguson. The main show features images from two of Charlie's sketchbooks which functioned as illustrated diaries that were filled with daily activities, nature observations, personal notes, and lots of art—drawings, sketches, and watercolors—in various states of completion.

domain: history


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Common Sense Nutrition Disclosure Act a Win for Consumers and Small Businesses
Washington, D.C. – February 7, 2018 – The American Pizza Community (APC), a coalition of large and small pizza companies, franchisees, suppliers and thousands of employees that make up the pizza industry, applauded the passage of the Common Sense Nutrition Disclosure Act (H.R. 772) with a vote on the floor of the U.S. House yesterday of 266-157. The legislation would allow small businesses the flexibility to provide nutrition information in a way that makes sense to customers: online.
“Pizza store owners and operators continue to support the intent behind menu-labeling laws and we’re happy that Congress is taking action to make these regulations workable for small business owners,” said Tim McIntyre, Chair of the APC. “We are grateful to Rep. Cathy McMorris Rodgers (R-WA-5) and Rep. Tony Cardenas (D-CA-29) for their continued leadership and support of this bill,” continued McIntyre.
Pizza stores nationwide have been preparing for labeling the millions of pizza combinations on in-store menu boards as required by the U.S. Food and Drug Administration (FDA) guidelines, which take effect in May. Regrettably, FDA’s final regulations far exceeded Congress’s original intent and disregarded the practical experience of thousands of small business owners who employ hundreds of thousands of people.
The APC has advocated that pizza requires unique ways to make this information available and delivered in a meaningful way to customers. Ninety percent of customers place orders online or over the phone. Further, an inflexible requirement to label in-store menu boards with broad calorie ranges for entire pizzas will not enhance consumer education but would come at great expense to owners. According to the Office of Management and Budget estimates, companies and small business franchisees will need to devote 14.5 million hours to comply with the FDA’s menu labeling requirements costing more than $1 billion in the first year alone.
“With millions of different combinations to customize a single pizza, it is nearly impossible to display understandable ranges on an in-store menu board where the majority of orders aren’t taken. We simply want the flexibility to give nutrition information in a way that makes sense to our customers,” McIntyre said.
The American Pizza Community is a coalition of the nation’s large and small pizza companies, operators, franchisees, vendors, suppliers and other entities that make up the American pizza industry.
Current members include Domino’s Pizza, Figaro’s Italian Pizza, Godfather’s Pizza, Hungry Howie’s, Hunt Brothers Pizza, the International Pizza Hut Franchise Holders Association, Little Caesars, Nick-N-Willy’s Pizza, Pizza Factory, and Pizza Schmizza. Supplier partners include Coca-Cola, Leprino Foods Company, Middleby Marshall, Paradise Tomato Kitchens, PepsiCo and Tyson Foods. Affiliate partners include the National Pork Producers Council and the Tomato Products Wellness Council.
July 11, 2018 | Pizza Headlines
That’s A Some Pizza’s 120-Year-Old Sourdough Starter Inducted into Puratos World Heritage Sourdough Library
Based in Belgium, unique library is dedicated to cataloging and saving sourdough from all over the world It’s a Monday morning on Bainbridge Island in Washington State. The spring sun is trying its best to break through stubborn Pacific Northwest storm clouds and, except for the sound of commuters making their way to the Seattle ferry,… Read More ›
July 10, 2018 | Pizza Headlines
Go inside the anti-plastic straw trend Starbucks is the latest company to announce that the coffee giant will eliminate single-use plastic straws in all of its stores by 2020. That adds up to the elimination of more than one billion plastic straws per year. In Starbucks’ official release, President and CEO Kevin Johnson said, “For… Read More ›
July 1, 2018 | Pizza Headlines
Don’t let ‘em sleep on you — shake things up from time to time If you enter your restaurant through the front door every now and again, instead of the back door, you’ll probably see a litany of things you want to change: how the front door is cleaned, how the lights hit you when… Read More ›


Posted November 09, 2018 09:05:51 It’s not a coincidence that more and more US citizens are becoming refugees in the Middle East.
The US is becoming a magnet for terrorists and violent extremists.
It has been for some time.
And now there is even a new, more lethal threat emerging from within the US borders.
Fox News: ISIS is using the internet to recruit new fighters.
What do you do when your kids are online?
Fox: I try to help them find information about the dangers of terrorism.
What can parents do if their children are at risk of becoming a target of ISIS?
I don’t know how many times a parent has told me that their child is being influenced by ISIS propaganda.
What are some of the things you can do to prevent it?
If your kids play video games, use their cell phones and play them in private, don’t play them online.
Watch their social media and talk to them.
Watch their online videos and read their blogs.
They are the ones that are being used to spread ISIS propaganda, and they have a responsibility to do so.
If you have a child with a mental health problem, talk to him about it.
You can talk to his teachers, or parents, or a therapist, or whatever, and find out what they are thinking.
The sooner you get a diagnosis and treatment, the sooner you can get your child out of there and into a safe place.


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Editor’s note: This is part 2 of a three-part series on red meat allergy, a serious, lifestyle-limiting disorder that causes individuals to experience mild-to-life-threatening allergic symptoms several hours after eating red meat. Also known as “alpha-gal syndrome,” meat allergy has no cure — the only “treatment” is to avoid certain meats and animal products. Read part 1 of the series here.
Recent news reports on the recent rapid spread of alpha-gal syndrome (AGS), or red meat allergy, blamed the lone star tick. That’s because the tick’s saliva contains trace quantities of a sugar, alpha-gal, a known human irritant that many researchers and clinicians believe induces the dangerous allergic responses that are the hallmark of AGS.
But the lone star tick isn’t the only source of alpha-gal. Several ingredients containing alpha-gal are also used to manufacture foods, personal care products, medical devices and drugs — including vaccines.
The Centers for Disease Control and Prevention (CDC) provides an informative, but incomplete list of vaccine ingredients containing alpha-gal, whose chemical name is galactose-alpha-1,3-galactose.
The CDC’s list includes bovine serum albumin, a protein produced from cow’s blood; gelatin, made from the bones and connective tissues of cows and pigs; magnesium stearate from numerous animal sources including red-meat animals; and glycerin, sourced from both animals and plants.
These substances, known as excipients, are added to many types of drug formulations to protect the more active ingredients from chemical and environmental degradation.
The U.S. Food and Drug Administration (FDA) categorizes glycerin, stearate and gelatin as “generally recognized as safe” (GRAS), but that designation applies only to foods, not to injected substances.
Serum albumin, the most abundant protein in mammalian blood, is not on the GRAS list but is consumed by ingesting beef and dairy products. Albumin is also used in many drugs and in beauty and personal care products.
Bovine serum albumin is itself an allergic irritant that can, along with other milk proteins, induce cow’s milk protein allergy in susceptible individuals. This is not the same as lactose intolerance, which results from the inability to break down milk sugars.
The Johns Hopkins excipients in vaccines list is interesting for the sheer number and chemical diversity of additives found in vaccines. Just focusing on the four ingredients the CDC says “may contain” alpha-gal, one finds 11 vaccines use bovine or calf serum, three contain glycerin, three contain stearate and nine use gelatin as an ingredient.
Two vaccines list both stearate and glycerin. An additional 22 vaccines contain various bovine extracts.
So could vaccines, in addition to tick bites, be a source of alpha-gal exposure leading to sensitization, and rarely, to symptomatic AGS?
That hinges on whether alpha-gal is actually present in one or more of the four vaccine components of interest mentioned above.
Do vaccine ingredients contain alpha-gal or not?
Of the questionable ingredients, bovine serum albumin would be the prime suspect, as it’s found in so many vaccines, is independently associated with allergic reactions, and because many related mammalian proteins readily link to alpha-gal.
But alpha-gal does not attach to albumin natively, so any alpha-gal present in preparations containing albumin must be an impurity carried over from the protein’s manufacturing process.
However, that is unlikely because of how albumin is manufactured. The process, especially for food and drug applications, almost always includes chromatography, a method that efficiently separates proteins from small molecules like alpha-gal.
How about the other suspected ingredients?
According to the Johns Hopkins Institute for Vaccine Safety, nine vaccines contain gelatin in quantities up to 15 mg per dose. These include vaccines against rabies, influenza and measles/mumps/rubella.
Whether a product contains alpha-gal depends on how the gelatin was sourced. Alpha-gal has not been found in gelatin derived from fish, but its presence in cow-derived gelatin is well-established.
“Gelatin-containing vaccines should be administered with caution or avoided in patients with AGS because of their high potential to activate basophils indicating a risk for anaphylaxis.”
However, in contrast to the potential gelatin-alpha-gal connection, unbound alpha-gal and glycerin are similar enough chemically that some alpha-gal might sneak into the final product as an impurity.
A sugar closely related to alpha-gal attaches to glycerine — but this seems to occur only in plants.
Whether this sugar might also cause allergic reactions is unknown. But if it does, glycerine sourced from plants could pose a higher risk to individuals with alpha-gal sensitivity than similar products from cows.
Derived from stearic acid, a fat, magnesium stearate is used in a variety of medicines, foods, and personal care products. Although stearic acid attaches to many other chemicals, it does not appear to combine with sugars.
The concern over magnesium stearate as a possible source of AGS is therefore limited to situations in which alpha-gal is a process impurity. Due to the chemical nature of both molecules, however, and how magnesium stearate is manufactured, this is practically impossible.
Table 1 summarizes these findings.
|Vaccine ingredient of concern, according to CDC||Source: mammals or plants?||Attaches alpha-gal natively?||# of vaccines|
|bovine extract||mammals||very likely||22|
Table 1. Vaccine ingredients associated with exposure to alpha-gal, their sources, type of association, and the number of vaccines containing the ingredient
Note that “bovine extract” is a chemically undefined product that may include any number of suspicious ingredients, according to the FDA:
“Animal-derived products used in vaccine manufacture can include amino acids, glycerol, detergents, gelatin, enzymes and blood.
“Cow milk is a source of amino acids, and sugars such as galactose. Cow tallow derivatives used in vaccine manufacture include glycerol.
“Gelatin and some amino acids come from cow bones. Cow skeletal muscle is used to prepare broths used in certain complex media.”
Bovine extract is found in all four ingredients — albumin, stearate, gelatin and glycerin — that the CDC says contain alpha-gal.
Perhaps not alpha-gal at all, but similar sugars
Since so many individuals carry alpha-gal antibodies but so few get sick, the connection between alpha-gal sensitivity (based on a positive antibody test) and symptomatic allergy is at the very least mysterious.
But what if exposure to alpha-gal may not even be necessary for those antibodies to exist?
Many sugars trigger an allergic response, but sometimes the body confuses the original source of exposure with something else it encounters later on.
Sugars of one type that elicit a response to sugars of another type are known as “cross-reactive carbohydrate determinants.” Reactivity to alpha-gal, as measured by antibodies to this irritant, could therefore arise through exposure to a chemically similar sugar.
A study published in 2017 in the Journal of Allergy and Clinical Immunology noted that:
“Cross-reactive carbohydrate determinants (CCDs) in plants and insect venoms are a common cause of irrelevant positive test results during in vitro allergy diagnosis.
“We observed that some CCD-positive sera show nonspecific IgE binding even with CCD-free recombinant allergens when using the Phadia ImmunoCAP platform.”
In other words, an allergic reaction to some sugars could cause individuals to test positive for antibodies to totally different sugars. This study found that even cellulose, the main sugar-based structural component of wood, paper and many vegetables — and the “fiber” in many healthy foods — could elicit a false positive allergy test.
- A significant portion of the U.S. population carries antibodies to alpha-gal but only a tiny fraction develop AGS.
- A positive test for alpha-gal antibodies does not always mean a person has been exposed to alpha-gal.
- The prevalence of alpha-gal antibodies in the U.S. population (nearly one-third) makes it unlikely that the lone star tick is the sole cause of sensitization.
- Vaccines may be significant sources of initial alpha-gal exposure, sensitization and possibly of conversion from asymptomatic to full-blown AGS.
Part 3 of this series will examine data supporting these points, and investigate possible mechanisms underlying meat allergy.


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Spokane Estate Planning: Essential Strategies to Protect Your Assets
Why Is Spokane Estate Planning Important?
As you age, making the most of your estate plan becomes increasingly essential for protecting your assets and savoring life’s joyous moments on your terms. Taking care of this infrastructure ahead of time ensures that all earned throughout a lifetime can be remembered and honored according to individual wishes in the Spokane area. To make sense of it all, having an experienced estate planning attorney devise sound strategies can mean everything.
Whether looking to secure healthcare decision-making powers or ensure adequate support is available during retirement years, there are core tenets any adult can use when optimizing their estate strategy in Spokane.
By considering each element with timely precision, you will have peace of mind knowing all future events have been carefully taken into account for yourself and the family. Keep reading to learn about essential strategies for creating a comprehensive estate plan!
Drafting Your Last Will and Testament
Drafting a Last Will and Testament is essential to financial and estate planning. It can provide peace of mind to individuals and families uncertain about their future and help ensure that your wishes are carried out upon your death. By creating a Last Will and Testament, you can designate how you would like your assets to be distributed, who will raise any minor children, who will act as executor of your estate, and more. If you do not draft a Last Will and Testament before passing away, then Washington State laws will determine how your estate should be administered.
This can cause more significant expense for those involved with administering the estate because the state-mandated process does not consider unique family dynamics or individual preferences. A professionally drafted document ensures that all the legal requirements for the disposal of your assets are followed, eliminating delays and potential disputes between family members or other interested parties. If you live in Spokane, scheduling an appointment with an estate planning attorney to begin drafting a Last Will and Testament as soon as possible is essential.
Establishing Health Care Directives & Powers of Attorney
Health Care Directives are instructions you make known to medical professionals indicating the types of medical treatment you would or would not want to receive if you become incapacitated. These documents are critical components of any solid Spokane estate plan. An estate planning attorney can provide valuable guidance to determine which options are best for you and your family. Powers of Attorney grant another person the authority to act on your behalf if you cannot do so yourself due to illness or incapacity.
The right combination of Health Care Directives and Powers of Attorney can help ensure that your wishes are honored if something unexpected happens, protecting you and your family members from future difficulties. In Washington State, a Durable Power of Attorney enables another individual to manage financial and legal matters relating to assets or property, including real estate transactions. When making these critical decisions, consulting with a knowledgeable attorney experienced in estate planning can help ensure that your wishes are correctly documented, providing peace of mind now and protection down the road.
Setting up Revocable or Irrevocable Living Trusts
For those individuals who wish to avoid probate proceedings, setting up a revocable or irrevocable Living Trust may provide the best solution. These types of trusts allow you to transfer assets from your name into the trust before death, which means that those assets will not have to go through the formal probate court process upon your passing.
In addition, Living Trusts can provide other benefits, such as avoiding tax complications, establishing a plan for asset management if you become incapacitated, and more. An experienced Spokane estate planning attorney can help you evaluate the options available to determine which type of trust is best for your unique situation.
Estate planning in Spokane requires thoughtful consideration and preparation. Your estate attorney can help you plan for the future and ensure that your wishes are followed, no matter what life throws your way. Taking proactive steps now can save time, money, and stress down the road.
Making Gifts to Loved Ones During Your Lifetime
In addition to covering your wishes upon passing, Spokane estate planning can also account for how you would like to share assets with loved ones during your lifetime. An experienced attorney can help set up gifting programs that will provide tax savings while showing love and appreciation to those essential individuals in your life. Whether setting up a trust or transferring assets to other family members, an estate planning attorney can provide the guidance you need.
Estate planning is a complex process, and each individual’s situation is unique. Our veteran attorneys in the Spokane area can help you devise the best strategy for protecting your assets and ensuring that your wishes are honored now and in the future.
Signing an Advanced Medical Directive or Living Will
Advanced Medical Directives, Living Wills, and Powers of Attorney are essential tools for Spokane estate planning. An experienced attorney can provide the guidance you need to ensure that your wishes are properly documented and followed. Advanced Medical Directives provide instructions about your health care preferences if you cannot communicate them due to illness or incapacity. These documents must be appropriately drafted for them to have legal effect.
Spokane estate planning is essential for ensuring that your wishes are honored now and in the future. An experienced Spokane estate planning attorney can help you devise sound strategies for protecting your assets and ensuring peace of mind. Contact our attorneys today to get started.
If you live in Spokane, estate planning is essential for ensuring that your assets are protected and that your wishes are respected upon incapacity or death. Working with an experienced estate planning attorney in Spokane can provide peace of mind knowing that all legal considerations have been accounted for, protecting both you and your family from potential difficulties down the road. However, remember that making the most of your estate plan requires thoughtful consideration and preparation. Contact our qualified Spokane estate planning attorneys today, and we’ll help you get started!
Check out our listing on the Martindale legal directory. Or, visit the Spokane Estate Planning Council website for additional information.


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I’ve always believed everyone has a story. Whether it’s a personal struggle, a battle to overcome a challenge, an adventure, a trip of a lifetime, or perhaps just a fond memory you’ll never forget.
No matter who you are, we all have stories.
I’ll be using this blog to document some stories from the people I meet whilst travelling. To those who’ve shared their story: thank you for letting me in. To my readers: hope you enjoy the stories.
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