Actuarial Malpractice Essay -- Actuary

Actuarial Malpractice Statisticians are perceived for utilizing science in specific manners to appraise the budgetary commitments of an organization. These approximations straightforwardly influence the company’s money related circumstance and viewpoint for the year. As some other expert occupation, guidelines must be followed to guarantee the legitimacy of the work being finished. Dangers of misbehavior may emerge if actuarial standards are not followed cautiously. Actuarial misbehavior has become a rising worry in holding statisticians at risk for their work, where in earlier years it was unfathomable. For most experts, assignments must be procured through a progression of preparing and tutoring. In the United States, actuarial competitors have the chance to be a piece of the accompanying associations: the Society of Actuaries, the Casualty Actuarial Society, the Conference of Actuaries in Public Practice, and the American Academy of Actuaries. Every one of these social orders has explicit necessities in the domain of finishing tests and accomplishing work involvement with the actuarial field. As indicated by William Hager in The Emerging ...

Maintenance of Capital Doctrine

Question: Talk about the Maintenance of Capital Doctrine. Answer: Presentation: The idea of upkeep of capital is a component of the organization law which directs the measure of capital that ought to be held. For example, any organization must hold and not go underneath its capital. The purpose for this is the obligation of the partners ought not be undermined on the off chance that the organization is confronted with chapter 11 issues. Along these lines the precept was intended to protect the congruity of the business just as to cook for the enthusiasm of the leasers. Leasers assume a pivotal job in the achievement of any business since they offer credit to the organizations which is repaid with intrigue. (Priest, 2009) From the above presentation, we may characteristic the starting point of the capital upkeep teaching to two fronts. One of them is the enthusiasm of the leasers as referenced previously. Also, the advantages factor ought to be thought of and the way where they can be scattered prompts the root of the tenet. (Ranganathan, 2013). The legal ramifications in the issue give the connection between the two fronts, in that the court upholds the law for an organization to hold a given measure of capital which will support lenders in future. If an organization can't pay obligations out of its speculation restores, the banks would utilize this tenet to guarantee their levy in that the capital stores would be utilized to clear the obligations. Consequently, organizations are restricted from taking care of the investor commitment and rather deliver profits from the benefits that have been collected. (Spillane, 2010) The capital support precept has been created after some time utilizing case priority and enactment. Researchers over the world, for instance Jessel M.R of England are credited for planning this precept. His decision in the Flitcrofts case was a land mark step. Other momentous researchers included Trevor and Whitworth who refered to a case whereby an organization repossessed part its offers from the investors against the organization law. (Spillane, 2010). After the exchange, one of the investors asserted greater installment from the organization and he had his direction. The courts translation was that no organization was permitted to purchase its offers since that added up to decrease of capital. Moreover, the court proceeded to presume that loan bosses must be thought of while ending up an organization. Thusly, this structures the main occasion under which an organization can discount the money to the investors. (Ranganathan, 2013) In contrast to different economies, the Australian government has gone in a new direction with respect to the issue of the capital upkeep precept. There are no exacting measures concerning the measure of cash-flow to be held by an organization. Because of these liberal belief systems, Australian officials have presented contentions that verge on different issues that ought to be tended to first. They consider this principle as severe and feel that inquiries of organization dissolvability and disclosure of some material data ought to be profited to the investors. The last sentiment about the Australian law is that they ought to consider consolidating the precept in their laws in light of the fact that the nation foresees numerous financial specialists who originate from different pieces of the world and would require the sort of insurance that the regulation offers. (McChesney, 2012) References McChesney W.A (2012). The New Generation of Risk Management for Hedge Funds and Private Equity Investments. Cengage Learning. Boston, Massachusetts Priest, E.W. (2009). Imposing business model Finance Capital and the Paradox of Accumulation. John Wiley and Sons Ranganathan, C.I. (2013). System for the Preparation and Presentation of Financial Statements. Cambridge University Press, New York Spillane, J.B. (2010). Types of Capital and the Construction of Leadership. European Operational Research

Black Lives Matter Research Essay Samples

Black Lives Matter Research Essay SamplesBlack Lives Matter research essay samples are the perfect way to get your student writing a powerful response to an op-ed piece. An essay is the best medium for students to learn about the importance of human rights. The black lives matter research essay sample is designed to give a student an opportunity to investigate the subject and understand what the article means to them. This is also a great way to give students something to write about when they are taking part in essay writing practice.Black Lives Matter research essay samples can be found online at numerous websites that offer a wide variety of information. Some of the things you might find online include; resources for researching the topic, ways to share their views with others, ways to encourage further investigation, and ways to make your student a more eloquent and engaging writer. For the best Black Lives Matter research essay samples, try to find something that is completely f ree of charge. You may also want to try a few different sites and see which ones have the best content available for free.If you decide to spend some time looking around for the best Black Lives Matter research essay samples you should be able to find them quickly and easily. Some websites will provide several different resources for free while others require a fee. For those resources that do not require a fee you may be able to get additional information such as how to create articles for use in essay writing practice and other teaching resources.Many sites also provide several different essays that can be used for Black Lives Matter research essay samples. There are some sources that provide essay examples that have been edited for usage in essay writing practice and the black lives matter research essay sample is no exception.The black lives matter research essay sample will be written for college level English classes and is intended to show you the way a student can write an a rticle about a controversial topic without trying to sell themselves. The essay is meant to be written from the perspective of a group that is fighting for racial equality. The essay will tell the reader why they are taking part in the protests.The following examples from Black Lives Matter research essay samples will be helpful for students to read and then use in their own essay writing projects. 'Mountain Dew and Time: Drugs in Black and White America' is written from the perspective of African Americans who use drugs. It is important to remember that these are from the perspective of African Americans and there are other races out there that take drugs too. If you are teaching students about a topic that is not specific to a certain race you may want to consider this example as a way to help students to think outside of the box when writing their own essay.'Beyond Black and White' are the Black Lives Matter research essay sample that addresses the issue of policing in the black community. It is meant to help students to realize that even though people of other races are affected by crime there are different causes of crime that affect different races. When students see these types of examples they can better understand what their own communities have to deal with.Research essay samples that are intended for students to read are essential in any course. These essay samples from Black Lives Matter research essay samples show the writers the best way to present their opinions so that students can read it and fully understand it. Many different types of essay writing practices are available online, including essay writing practice and essay assistance, but students can gain an excellent amount of knowledge if they take the time to look around at some of the free resources available online.

Unit 1 KEY QUESTIONS Essay - 2265 Words

Unit 1 KEY QUESTIONS 1. what was the original purpose of Darwin’s voyage on the H.M.S. Beagle, and what was the ultimate significance of the Voyage? The original purpose of Darwin’s voyage was to learn and discover more about biology and to gain insight on plant and animal species. The stated intent of the voyage was to obtain evidence that supported the biblical theory of creation as well as chart poorly known parts of the South American coastline. 2. Why does the Antibiotic resistance problem represent an example of evolution? The antibiotic problem is a perfect example of evolution because it shows how species have adapted and evolved based on their environment. It shows how bacteria can adjust and either thrive or die when faced†¦show more content†¦This helped Darwin realize how all species could have shared ancestors. Lastly is artificial selection, which was one of the main pieces of evidence that Darwin used to identify his theory on evolution. Darwin studied and showed how the selective breeding of crops and animals led to highly specialized varieties with unique traits. By studying this he was able to see first hand how evolution can occur by artificial selection. An example would be the Great Dane. Thousands of years ago, the Great Dane was a medium sized breed, but due to artificial selection, humans were able to create a large breed of Great Dane. 6. Imagine you are a farmer researching the impact of GMFs. What is one advantage and one disadvantage that would be relevant to your work? Explain each. GMFs is a very controversial topic and can be argued both ways, good and bad. If I were a farmer, one of my advantages would be cold tolerance. Due to our ever-changing climate it is becoming increasingly hard to produce a consistent and healthy crop. Though scientists have introduced a gene form cold water fish, that helps prevent freezing and makes crops resistant to cold spells. This would be a great advantage for farmers to ensure that they can produce a healthy crop, no matter what climate types may be thrown their way. Though a disadvantage of GMFs would be allergenicity. If I were a farmer and used GMFs toShow MoreRelatedKey Question Unit 1. 1)For The Increasing Of Current Funding1178 Words   |  5 Pages Key question Unit 1 1) For the increasing of current funding for atomic-structure researches: Within the last hundred years, the atomic model gone through dramatic changes allowing to apply the knowledge of matter understanding at atomic level into different industries like medicine such as MRI and X-Ray. This knowledge allowed doctors to treat, diagnose and certainly save millions of people throughout the years, which could not have been done without research being done on the structure of theRead MoreUnit 1 Lesson 1 Key Question Biology SBI4U Essay1283 Words   |  6 Pagesï » ¿Unit 1 Lesson 1 Key Question Biology SBI4U-C ILC 1) Mg2+ Has 10 electrons. 2) Carbon -14 would not be effective at dating bones that are millions of years old. Carbon -14 is effective at dating to a maximum of 40 000 to 50 000 years old. The isotope decays over time and would not be present on bones that are millions of years old. 3) Hydrolysis - Water used to breakdown molecules. Hydro means water and lysis means to breakdown. An example of hydrolysis in action within our bodies is how ourRead MoreUNIT 1 Key Questions 1 2 3 4 5 Essay1220 Words   |  5 Pagesï » ¿Key Questions Unit 1 Lesson 1 1. a) (2x3)(-7x5)= -14x8 b) -45x5y7z9/9x7y7z5= -5z4/x2 c) (-5x4)3= (-53)(x12)= -125x12 d) (3x4y5z7)5/(-3x3yz4)7=243y18z7/-2187x= y18z7/-9x e) (xa+b)a-b/(xa-2b)a+2b= (xa^2-b^2)/(xa^2-4b^2)= x3b^2 2. a)6-2= 1/62=1/36 b)253/2=(2√25)3=53=125 c) -85/3=(3√-8)5= (-2)5= -32 d) 625(-3/4)=1/(4√625)3=1/53= 1/125 3. a) 93x272x813= (32)3x(33)2x(34)3= 36x36x312= 324 b) 57x253/1254= (57x(52)3)/(53)4= 57x56/512=513/512= 5 4. 5. To find the equation of theRead MoreQrb 501 Week 1 Assessment Questions1374 Words   |  6 PagesWeek 1 Assesment Questions Tamara Powell March 8, 2010 QRB 501 Prof. David Ferguson Complete the following order of operations questions: Chapter 7 12. Key Question The following table shows nominal GDP and an appropriate price index for a group of selected years. Compute real GDP. Indicate in each calculation whether you are inflating or deflating the nominal GDP data 527.4/22.19 = 23.767 911.5/26.29 = 34.67 2295.9/48.22 = 47.61 4742.5/80.22 = 59.12 8790.2/103.22 = 85Read MoreNt2520 Unit 3 Assignment 1 Essay618 Words   |  3 PagesUnit 3 Assignment 1: Homework Learning Objectives and Outcomes Use the database modeling template in MS Visio. Create entities and add attributes of a database. Define relationship between entities of a database. Create many-to-many relationships with a linking table. Assignment Requirements Answer the following True or False questions on the student answer sheet. Required Resources Textbook Submission Requirements Submit your written answers to your instructor at the beginningRead MoreAmu Scin138 Lab 9 Essay1572 Words   |  7 PagesAssessment List Part 1 of 1 - 100.0/ 100.0 Points Question 1 of 31 3.0/ 3.0 Points Questions 1 through 3 are based on the Lab Exercise, Step 2. Record your answer to Lab Exercise, Step 2, Question 11. How long ago was the igneous rock in rock unit B formed? A. 352 mya B. 380 mya C. 704 mya D. 1408 mya Answer Key: A Question 2 of 31 3.0/ 3.0 Points Record your answer to Lab Exercise, Step 2, Question 12. How long ago wasRead MoreQbr 501 Wk1 Order of Operations and Dependent and Independent Variables1090 Words   |  5 PagesEx-12. Key Question The following table shows nominal GDP and an appropriate price index for a group of selected years. Compute real GDP. Indicate in each calculation whether you are inflating or deflating the nominal GDP data. CH-8.Ex-2. Key Question Suppose an economy’s real GDP is $30,000 in year 1 and $31,200 in year 2. What is the growth rate of its real GDP? Assume that population is 100 in year 1 and 102 in year 2. What is the growth rate of GDP per capita? CH-8.EX-11. Key QuestionRead MoreQuestion 1 of 30 10 10 Essay1185 Words   |  5 Pagesï » ¿Question 1 of 30 1.0/ 1.0 Points Convert the following using dimensional analysis. 93 inches to feet A.1116 ft B.1106 ft C.7.9 ft Correct D.7 3/4 ft Answer Key: D Part 2 of 30 - Unit 4 Q2 1.0/ 1.0 Points Question 2 of 30 1.0/ 1.0 Points Convert the following measurement to the specified measurement: 0.079 m = ______ hm A.0.0079 hm Correct B.0.00079 hm C.79 hm D.7.9 hm Answer Key: B Part 3 of 30 - Unit 4 Q3 1.0/ 1.0 Points Question 3 ofRead MoreCurriculum Essay811 Words   |  4 Pagesassessment aligns with Common Core State Standards, CCSS, commonly used by Illinois teachers. Commonly found in Unit 1 was to defining words or phrases using such as question 1, Part A, â€Å"What is the meaning of the word drift as it used in paragraph 18 of â€Å"Just Like Home†? Often times students may be misled to read the whole text to comprehend the meaning of a word or phrase. Question 1 Part A asses students on their ability to use context clues to define what drift means associating (CC.4.L,4.a VocabularyRead MorePure Competition1363 Words   |  6 PagesANSWERS TO END-OF-CHAPTER QUESTIONS 3,4, 7 AND 8 WERE HOMEWORK QUESTIONS 122 (Key Question) Complete the following labor demand table for a firm that is hiring labor competitively and selling its product in a competitive market. | | | | | | Unitsoflabor | Totalproduct | Marginalproduct | Productprice | Totalrevenue | Marginalrevenueproduct | | | | | | | | | | | | | | | | | | | | | 0123456 | 0173143536065 | | ____________________________ | $2222222 |

The Impact of Cinematography on Our Life Essay - 1229 Words

In today’s society, film is seen as a major form of entertainment that can also be used to convey certain messages and themes. An aspect of film that is often missed or taken for granted is the impact of cinematography. Cinematography is the art of motion picture photography. Over the years, cinematography has proven itself to be a major contribution to film, furthering its artistic value and evolving as time changes. In the beginning, when film was still an emerging form of technology, expression of artistic ideas was not a main concern for filmmakers. In the 1890’s, Auguste Marie Louis Nicolas and Louis Jean Lumià ¨re, famously known as the Lumià ¨re Brothers, invented the Cinematograph. This invention was the first film camera. It also†¦show more content†¦Although film at this time was still emerging, glimmers of art seemed to flow from the works from various pioneers. As cinematography was now emerging, new elements such as contrast, exposure and came ra techniques also came about. Contrast is very important lighting technique used by cinematographers. Contrast is defined by the ratio of light and dark in an image. In terms of cinematography, contrast plays an important role in that it determines the mood of the scene. High contrast for example would make the scene darker. While higher contrast expresses a darker mood like evil, low contrast can indicate good or innocence. In the 1962 film version of To Kill A Mockingbird, Cinematographer, Russell Harlan uses contrast in an interaction with Scout and Bob Ewell. While Scout is sleeping in a car, Bob approaches her and stares at her. The shot shows Bob’s face to be much darker than Scout’s; an example of high contrast. This difference can be interpreted as a sign of Bob’s evil nature and Scout’s relaxed, innocent personality. Another aspect of cinematography is exposure. Exposure is defined as how much light passes through the camera lens. Exposure is o ften used by cinematographers to direct the audience’s attention to one part of the screen, or to imply the mood of the scene (Cinematography). Overexposure lets more light through the lens whereas underexposure lets less light through the lens. An example of exposure usedShow MoreRelatedAnalysis Of Goodfellas : Communicating With Audiences1509 Words   |  7 Pagessignature talent of Martin Scorsese as a director, made for cinematic gold. Unquestionably, the actors and actresses did an excellent job augmenting the verisimilitude of this film and compelling audiences to empathize with their characters. But the cinematography in this film plays just as large a role in having audiences feel what the characters are feeling at a specific moment. Through the use of freeze frames, we learn of significant moments that shape Henry into the man that he is. By means of first-personRead MoreForrest Gump Analysis705 Words   |  3 PagesForrest Gump, explores the life of a low intellec t individual who overcomes adversity through sheer optimism. Through the use of cinematography techniques, the film Forrest Gump displays key aspects including destiny, friendship and love. I used cinematography and other film techniques to symbolically convey the essence of these ideas. Additionally, depicting the tone and mood throughout each theme and resonate it towards the audience. I incorporated motifs and cinematography techniques to portray theRead MoreDo The Right Thing Is A Beautifully Intense Film Directed By The Talented Spike Lee1029 Words   |  5 Pagesparticular sums up the whole premise of the film into a concise and poetic speech spoken by the one and only Radio Raheem. This scene is imperative to have in the film as well as for the viewers. Without this scene, the film itself would not have the same impact and possibly the same message it has already given all of its spectators. Radio Raheem is definitely an interesting character to say the least, just like many of the characters in this film; they individually embody an aspect of the microcosm theyRead MoreArt in Raw Form1434 Words   |  6 Pagesas cross an actress with no acting experience that can deliver pain, desperation, helplessness in such a profound way as has Gabourey Sidibe in â€Å"Precious†? This young lady had to transform herself into an empty and hollow person in order to bring to life the atrocious and horrific world Precious was living in. Mo’nique, who is known as by her incredible comedic style showed what she is truly made of. Professor Jonathan Howle, who holds a Master’s in Fine Arts in Dramatic Writing and teaches film studyRead MoreHan Gong Ju - Scripted And Directed By A Newborn Director Lee Su Jin1202 Words   |  5 Pagesbut definitely the most representative credit among all the South Korean films of 2014. In my opinion, the best way to define a good mov ie is to verify if it can clearly convey the purpose to audiences, as well as impact audiences by its atmosphere. Specifically, the editing, cinematography, and narrative are the effective potentials contributing to Han Gong-Ju, that successfully delivers the powerful message which appears to be emotionally draining not only to myself, but also to the majority of theRead MoreHarper Lee s Novel Of The Same Title896 Words   |  4 PagesFeature films have served as depictions of our society. They have been mirrors reflecting upon us what we are, what we would like to be, and how we view ourselves. â€Å"To Kill a Mockingbird† is in fact a classic film that does just that. Directed by Robert Mulligan, this film was based on Harper Lee’s novel of the same title. The screenplay by Horton Foote, â€Å"To Kill a Mockingbird is both a coming of age story of three young children, told from the perspective of Scout as she reflects upon an importantRead MoreThe Discovery Of A H uman Mission Essay1206 Words   |  5 PagesWe have always been obsessed with finding life, finding resources, and exploration in general. The idea of a human mission to other planets has been around the science-fiction community, popular culture and in the imaginations of people for decades. It has manifested itself in art, cinematography and literature. Concepts have been thought of repeatedly on how this mission would be planned, funded, and executed. We are at a point in history where people are seriously planning the logistics of a humanRead MoreAn Investigation into the Social Aspect of Digital Cinematography1420 Words   |  6 PagesTitle: An investigation into the social aspect of digital cinematography. Motion picture was developed in the 1890’s and exploded in popularity over the next 40 years. This was mainly due to it being a new form of audio and visual entertainment. Theater was popular because it was a marvel of modem technology, relatively cheap, and, above all, provided patrons with an escape from their difficult lives. It means the everyday men and women now had a place to go to relax and be entertained. This gaveRead MoreEssay on change1184 Words   |  5 Pagesunpack the vigorous nature of change by uncovering the difficult battle involved with clear growth and how to attain fulfillment in oneself to discover true purpose in life. Society holds the power to break self-confidence in the individual, triggering never-ending struggle. Self-doubt and the burning need to find acceptance suffocates our ability to adapt; this becoming a challenge that must be faced before we grow in ourselves but more importantly before we can defeat judgment placed on us. HowardRead MoreFilm Analysis Of The Lion King1845 Words   |  8 PagesThey teach him the way of life and how to survive. Then, Simba gets reacquainted with his childhood friend Nala, and they fall in love. Nala tells Simba how bad the Pride Lands has been and wanted Simba to come back to claim his rightful spot as king. The difference between the film’s story and the plot is that the story is the summary of the film and the plot is the sequence of events. Three techniques that were used in the movie was the lighting, color, and cinematography. The type of light that

Homelessness is increasing every year and about a quarter...

Homelessness is increasing every year and about a quarter of all homeless people suffer from mental health issues. In Lars Eighner â€Å"On Dumpster Diving† he explains what he went through on a daily basis while being homeless. He describes how and what foods you should look for and to always be conscious of what you are getting because there is always a reason why something was thrown out. He continues to go into detail about other items that can be found in the dumpster like sheet and papers. Things that can keep you busy through the day. Eighner carefully explains to his readers how being a dumpster diver has become a life style for the homeless and this is how they survive. â€Å"I began dumpster diving about a year before I became homeless†Ã¢â‚¬ ¦show more content†¦Eighner states, â€Å"Homelessness has become a highly visible issue in the past two decades† (Eightner 712). He does use a lot of humor in his writing to make it lighter. It is easy to be i n agreement with Eighner that it is probably embarrassing at first to be seen picking out the trash but then it becomes easier to do it and start finding things you can actually use. He tells us the best way to get into the dumpster is to lower yourself in feet first. I love that he talks about him and his dog Lizbeth that he brings with him while dumpster diving. The purpose of his essay is to show the ways of living by scavengers and how people are able to survive and minimal resources. He is very artistic and passionate about what he is saying and bringing a sense of awareness that everyone isn’t fortunate and struggle every day. â€Å"Eighner spent the tail end of the 1980’s living on the streets of Austin, Texas., with several epic hitch hiking excursions to Los Angeles and back in pursuit of dubious writing gigs, with his dog Lizbeth as his one steady companion†(Publisher Weekly 2013). Being homeless wasn’t nearly as bad in the 80’s when Eigh ner was homeless as it is today and it seemed a little easier to survive then, rather than in today’s society. One of the most interesting parts of this essay for me was when Eighner got into some rules of how to scavenge. It shows that there’s a lot to dumpster diving than we might think. â€Å"A true scavenger hates to seeShow MoreRelatedEssay on The Causes Of Homelessness In The U898 Words   |  4 Pages         The Causes of Homelessness in the U.S                               Nawaf Saif Almoeini Alex Westbrook University Preparatory Program January 16th, 2015   Ã¢â‚¬Å"In 2010, †¦ the U.S. Interagency Council on Homelessness issued a comprehensive plan to eradicate homelessness for all people through interagency collaboration and aligning mainstream services. A key goal is to prevent and end homelessness for all families, youth, and children within 10  years†Ã‚  (Bassuk, 2010, P.496).  Homelessness is a situation thatRead MoreThe Negative Effects Of Family And Family Homelessness1270 Words   |  6 PagesFamily and child homelessness has been a major social problem within the United states since the 1980s (Bassuk). According to the U.S. Department of Housing and Urban Development, it is a problem that affected 79,446 family households in January 2010, and over 1.5 million children between the years of 2005 and 2006. Family and child homelessness is a genuine issue that although has increased to 37% of the overall homeless, and is said to have reached an â€Å"historic high† (Bassuk), it has not been discussedRead M oreHomelessness1449 Words   |  6 PagesHomelessness Home has become such a scattered, damaged, various concept in our present travails. There is so much yearn for#8230;How hard can we expect even a pair of magic shoes to work? They promise to take us home, but#8230; will they permit us to redefine the blessed word? -Salman Rushdie (HopperBaumohl p.3). Homeless people all around the world, stopped believing in ruby slippers a long time ago, because they know that fairy tales will not get them out of their predicament. They must struggleRead MoreVulnerable Population : The Homeless1212 Words   |  5 PagesVulnerable Population: The Homeless Having the privilege to work in one of the busiest emergency departments in Florida, I get to meet many different types of individuals, many of those being homeless. Homeless persons are high risk individuals requiring ED services due to their poor health status, high rates of morbidity, lack of health insurance, chronic use of alcohol and drug abuse, unintentional injuries and much more (Tang, Stein, Hsia, Maselli Gonzales, 2010). According to the NationalRead MoreHomeless Women: Demographics and Interventions1994 Words   |  8 PagesHomeless Women: Demographics and Interventions Introduction Typically I only see men on the streets begging; however the number of homeless women is increasing, especially homeless women with children. In this paper I will focus on homeless women by defining this issue and discussing the demographics of the women. I will address the types of interventions that have been implemented to help homeless women. Then I will discuss what research still needs to be done concerning homeless women. FinallyRead More Homeless Children Essay3565 Words   |  15 PagesIntroduction In the United States, 1.5 million children are homeless. 1.5 million children are without adequate shelter, nourishment, healthcare, or education. When a child is homeless, it is not just a house that they are without. They are more likely than other children to experience hunger, constant illness, mental disorders, and developmental delays.1 Being homeless negatively affects a child’s overall welfare and ability to thrive within their community throughout their childhood and into theirRead MoreShould We Help the Homeless2173 Words   |  9 PagesHelping the Homeless? Coming home to a warm bed, with food, water, and resources is taken for granted by most people in America. What if all of that was suddenly snatched from you forcing you and possibly your family out to the streets with everything you own on your back. This might not even graze your mind that this could be possibility, but this is reality fir over 100 million people worldwide. With the downturn of the economy, and many natural disasters occurring this number is continuing toRead MoreNavigating Our Mental Health Problem5632 Words   |  23 Pages Navigating Our Mental Health Problem Wesley W. Austin HCA 450A Warner Pacific College June 18, 2015 Abstract The object of this paper is to shed light on the seriousness of mental illness and it is statistically affecting the United States. The history of how the mentally ill have been treated in this country will be discussed, followed by how we got to our current situation with a lack of treatment and an epidemic of mentally ill homeless people as well as, how the police are trained,Read MoreUnit 47 P33550 Words   |  11 Pagesorganisation of people who seek to achieve goals that members feel are particularly important, such as giving people better opportunities, creating fairer society, and protecting the environment. The opposition party is Labour party. The UK has here main political parties among many, which are Conservative, Labour and Liberal Democrat. These three parties work in both the House of Lords and House of Commons. Political parties have numerous important functions including: Enabling people with similar

Fashioning a Fraud Case Study free essay sample

In this article, Bobbie Jean Donnelly was a fraudster who used Travel and Expense reimbursements to defraud her company. Donnelly figured out how to manipulate her travel and expense reimbursements to eventually defraud her company of about $275,000. Had her company had proper controls in place for travel and expense reimbursements, wouldn’t have occurred to this magnitude. Donnelly was targeted in an internal investigation because she was one of three employees with the highest amounts of travel and expense reimbursements hers totaling, $115,000. One of the red flags in the case was the fact that Donnelly’s supervisor had only submitted $40,000 in travel and expense reimbursements that year. It turned out that Donnelly had been using several different schemes to accumulate such an outrageous amount of travel and expense reimbursements. The first of these schemes would be the mischaracterized expense reimbursements scheme. The flow of fraudulent behavior follows Exhibit 7-4 in Wells text. We will write a custom essay sample on Fashioning a Fraud Case Study or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Donnelly incurs a non-business expense such as a personal flight to Italy. She prepares the expense report for the flight and attaches the receipt to the expense report, which needs verification from a supervisor. She then forges the signature of her supervisor and sends the expense report to accounts payable. A check is issued to Donnelly to reimburse the expense and the expense is coded to â€Å"travel and entertainment. † Without proper controls of which and for how much TE expenses will be reimbursed with reasonable limits, it is easy to mischaracterize an expense. Donnelly also used fictitious expense reimbursements schemes to defraud her company. This type of scheme follows Exhibit 7-6 in Wells’ text. Donnelly prepares a report claiming a fictitious expense such as samples. Donnelly would use a credit card statement as her supporting document and then again forge her supervisor’s signature to gain approval. The expense report is sent to accounts payable and a check is issued to Donnelly to reimburse the expense and the expense is coded to â€Å"travel and entertainment. Another type of fictitious reimbursement expense was also created using taxi receipts. When this scheme was used, Donnelly would also follow Exhibit 7-6 from Wells, and prepare an expense report claiming numerous taxi expenses. For supporting documentation she would alter or photocopy the original receipt and then change amounts of tip or total. These could have either been forged or given to the supervisor who at first glance may not realize that these are fict itious documents. This type of fraud is difficult to prevent but can easily be detected. Fictitious reimbursements can be detected by; â€Å"expenses that are consistently rounded off, patterns in which expenses are consistently for the same amount, reimbursement requests that are consecutively numbered, or receipts that do not look professional or lack information. †(Wells, 187-188) Preventing and detecting reimbursement expenses can be very challenging and time- consuming for companies. However, in order to prevent these schemes, a company needs to have explicit policies that clearly convey to each and every employee what will and will not be reimbursed. Donnelly was able to defraud her company out of a quarter of a million dollars in a short two-year period. In order to prevent these schemes and not use up so much time, Kessler points out that there are â€Å"tools that could be used to examine and parse such data [which] include IDEA Data Analysis Software, Audit Command Language (ACL), Excel, Access, SQL, SAS—generally any database or query software. These programs can be very helpful for any company. Works Cited Kessler, B. (2007). Fashioning A Fraud. Journal Of Accountancy. Wells, J. (2008). Principles of Fraud Examination. New Jersey: John Wiley Sons, Inc.