Form 10-K

After Obama ruled in favor of the new Department of Labor (DOL) fiduciary rule, financial planners will no longer have their own interests in earning high-commissions and fees over their clients. The new rule is to protect advisor’s clients by adding a sense of transparency by making sure the advisor is acting within the best interest of the client, by recommending the best investments at the lowest prices. Implementation of the new rule is set out to prevent the $17 billion a year in…

Early vitamin K deficiency bleeding occurs in 1 and 60 newborns born in the first 0-24 hours after birth. Mothers who used certain medications during their pregnancy makes it a higher risk for early deficiency bleeding also making it more severe. Late vitamin K deficiency bleeding in 2-12 weeks after birth occurs in 1 in 14,000 infants. 30%-60% of these infants have bleeding within the brain and tend to occur in breastfed only babies who have not received the vitamin K shot. All pregnant…

The reasons come to AUS First of all, study in American university is the one of my dream, when I were in my home country, I expected to study in American, because I like the teaching methods and teaching system. Finally, this year my dream is come true, I came to ASU this spring semester. I came to ASU have many reasons. Primarily, the school gives me offer in May. Time back to last year, I still studying in Seattle. After the English program in Seattle, I have been looking for universities…

Education is the round surface that leads one to the knowledge of the world. It gives the opportunity to pave away at dream careers and goals. Education gives an insight and creates a clear picture. This is indeed important as it builds people in several ways that no one can ever recognize. Since it gives such knowledge, it gives one the courage to get the best education there is. In Arizona, Northern Arizona University is by far the best university to get educated from. Everyone looks for…

No kid ever wants to work in fast food. So, when I turned sixteen I promised myself I would never work in a stinky, smelly, fast food joint. So I applied at every “cool” retail shop in the mall. I got one call back but didn’t end up making the cut. Sadly, my worst nightmare came true I had to take the plunge and apply at fast food restaurants. A few days later, I received a call from McDonald’s wanting to set up an interview. I went in for the interview a few days later, and was offered the job…

For my abstinence experience, I decided to give up Korean media for nine weeks. This type of media included YouTube videos involving reality shows of different popular Korean figures, Korean shows, and news involving Korean popular culture. I chose this habit because it has been an intricate part of my life for a few years now. Last year, I noticed that I appeared to have an addiction to watching Korean shows and other Korean media on YouTube. It reached a point where I was watching it almost…

which was led by Korean technology such as Samsung products, Hallyu 2.0 blossomed from the popularity and global spread of Korean dramas and Korean pop music. Korean pop music, more widely known as K-pop, has been a driving force in the Hallyu 2.0 wave since the late 1990s. The Korean idol pop aspect of K-pop, in which performers sing and dance simultaneously, has grown into an international phenomenon, winning the hearts of countless people, both native and foreign to South Korea. These Korean…

What is a 401k plan? Almost all employers will give a retirement savings plan for their employees. Under these plans, also called contribution plans, you may be able to save money toward your retirement along with a tax deferred basis, which means that you won't have to pay federal or state income taxes on your savings or their investment earnings until you withdraw your money during retirement. The most well known types of employer sponsored retirement savings plans are called 401k, 403b or 457…

“What the world fails to realise is a villain is just a victim whose story hasn’t been told” (Colfer.) This quote comes from Chris Colfer and I think it should be in the back of everyone’s mind when reading or watching a villain’s behavior and actions. Just as our hero can turn out to be wicked, our villain could actually be the most heroic character in a story. You can never take what’s happening for face value right away; you have to think outside of what you’re being presented. Perhaps there…

“When do you guys want breakfast?” is the normal group text for the Wallwork study group on Saturday mornings. The group is made up of old friends that went to the same high school and some new ones we met along the way. The first responses come within the hour and as college students the time agree on is well past normal breakfast times at 11:30 am. With the time set, we head to Folgers dining hall. Some of us are wide awake and others look like they rolled out of bed the minute before. Today…