Mortgage Fraud, Fraud And Fraud - 2498 Words

Mortgage fraud is one of the fastest growing crimes in the United States. (Freddie Mac, 2015) There are three categories of mortgage fraud, fraud for housing, fraud for profit and fraud for criminal enterprise. Fraud for profit schemes are conducted by a group of people who play multiple roles in the fraud. The masterminds or initiators receive the largest percentage of the profit while others in the scheme may receive a few thousand dollars for their part in the misrepresentation. Mortgage brokers and loan processors create fictitious credit profiles and conspire with real estate appraisers to inflate property values. For-profit schemes often involve multiple industry professionals/insiders and multiple transactions. The†¦show more content†¦Measuring these fluctuations is difficult and often leads to risk underestimated with growth and overestimated in recessions. In an economic boom, this contributes to rapid credit growth, to inflated collateral values. In recess ions, when risk and loan defaults are accessed to be high the reverse tends to be the case. Many banks will take on more risks knowing that they could always transfer a large part of them. This may lead to ‘Collusion Fraud’ or ‘Fraud-or profit’ which is the most costly type of fraud. Background Established in 1825, Liberty Bank is Connecticut’s oldest mutual bank, with more than $3.5 billion in assets and over $500 million in capital. Throughout the central, eastern, and shoreline areas of the Connecticut, Liberty Bank has grown to 49 banking offices. Liberty Bank is a full-service financial institution that offers home mortgages, insurance, investment services as well as consumer and commercial banking finance products. Liberty Bank has been rated outstanding for commitment providing superior personal service and unmatched community involvement. For the first time, Liberty Bank also introduced itself in Fairfield County with a brand-new adjustable-rate mortgage product suited to home buyers in this market, generating over $100 million in closed loans. Overall, Liberty Bank picked up a record-breaking 10,926 new households in 2013. Liberty Bank will also be partnering with Fannie Mae’s and their new

Siege of Louisbourg in the French and Indian War

The Siege of Louisbourg lasted from June 8 to July 26, 1758, and was part of the French Indian War (1754-1763). Located on the approaches to the St. Lawrence River, the fortress at Louisbourg was a critical part of New Frances defenses. Eager to strike at Quebec, the British first attempted to take the town in 1757 but were thwarted. A second attempt in 1758 saw a large expedition led by Major General Jeffery Amherst and Admiral Edward Boscawen land forces near the town and conduct a siege of its defenses. After several weeks of fighting, Louisbourg fell to Amhersts men and the path to advancing up the St. Lawrence had been opened. Background Situated on Cape Breton Island, the fortress town of Louisbourg had been captured from the French by American colonial forces in 1745 during the War of the Austrian Succession. With the end of the conflict in 1748, it was returned to the French in the Treaty of Aix-la-Chapelle in exchange for Madras, India. This decision proved controversial in Britain as it was understood that Louisbourg was critical to the defense of French holdings in North America as it controlled the approaches to the St. Lawrence River. Nine years later, with the French Indian War underway, it again became necessary for the British to capture Louisbourg as a precursor to a move against Quebec. In 1757, Lord Loudoun, the British commander in North America, planned to fight on the defensive along the frontier while mounting an expedition against Quebec. A change in administration in London coupled with delays in receiving orders ultimately saw the expedition redirected against Louisbourg. The effort ultimately failed due to the arrival of French naval reinforcements and severe weather.   A Second Attempt The failure in 1757 led Prime Minister William Pitt (the Elder) to make the capture of Louisbourg a priority in 1758. To accomplish this, a large force was assembled under the command of Admiral Edward Boscawen. This expedition sailed from Halifax, Nova Scotia in late May 1758. Moving up the coast, Boscawens fleet met the ship carrying Major General Jeffery Amherst who had been assigned to oversee the ground forces. The two assessed the situation planned to land the invasion force along the shores of Gabarus Bay. Armies Commanders: British Major General Jeffery AmherstAdmiral Edward BoscawenBrigadier General James Wolfe14,000 men, 12,000 sailors/marines40 warships French Chevalier de Drucour3,500 men, 3,500 sailors/marines5 warships French Preparations Aware of British intentions, the French commander at Louisbourg, Chevalier de Drucour, made preparations to repel the British landing and resist a siege. Along the shores of Gabarus Bay, entrenchments and gun emplacements were built, while five ships of the line were positioned to defend the harbor approaches. Arriving off Gabarus Bay, the British were delayed in landing by unfavorable weather. Finally on June 8, the landing force set out under the command of Brigadier General James Wolfe and supported by the guns of Boscawens fleet. This effort was aided by feints against White Point and Flat Point by Brigadier Generals Charles Lawrence and Edward Whitmore. Coming Ashore Meeting heavy resistance from the French defenses near the beach, Wolfes boats were forced to fall back. As they retreated, several drifted to the east and spotted a small landing area protected by large rocks. Going ashore, British light infantry secured a small beachhead which allowed for the landing of the remainder of Wolfes men. Attacking, his men hit the French line from the flank and rear forcing them to retreat back to Louisbourg. Largely in control of the country around the town, Amhersts men endured rough seas and boggy terrain as they landed their supplies and guns. Overcoming these issues, they commenced an advance against the town. The Siege Begins As the British siege train moved towards Louisbourg and lines were constructed opposite its defenses, Wolfe was ordered to move around the harbor and capture Lighthouse Point. Marching with 1,220 picked men, he succeeded in his objective on June 12. Constructing a battery on the point, Wolfe was in prime position to bombard the harbor and the water side of the town. On June 19, British guns opened fire on Louisbourg. Hammering the towns walls, the bombardment from Amhersts artillery was met by fire from 218 French guns. The French Position Weakens As the days passed, French fire began to slacken as their guns became disabled and the towns walls were reduced. While Drucour was determined to hold out, fortunes quickly turned against him on July 21. As the bombardment continued, a mortar shell from the battery on Lighthouse Point struck Le Cà ©là ¨bre in the harbor causing an explosion and setting the ship on fire. Fanned by a strong wind, the fire grew and soon consumed the two adjacent ships, Le Capricieux and LEntreprenant. In a single stroke, Drucour had lost sixty percent of his naval strength. Final Days The French position worsened further two days later when heated British shot set the Kings Bastion on fire. Situated inside the fortress, the Kings Bastion served as the fortress headquarters and was one of the largest buildings in North America. The loss of this, quickly followed by the burning of the Queens Bastion, crippled French morale. On July 25, Boscawen dispatched a cutting out party to capture or destroy the two remaining French warships. Slipping into the harbor, they captured Bienfaisant and burned Prudent. Bienfaisant was sailed out of the harbor and joined the British fleet. Realizing that all was lost, Drucour surrendered the town the following day. Aftermath The siege of Louisbourg cost Amherst 172 killed and 355 wounded, while the French suffered 102 killed, 303 wounded, and the remainder taken prisoner. In addition, four French warships were burned and one captured. The victory at Louisbourg opened the way for the British to campaign up the St. Lawrence River with the goal of taking Quebec. Following that citys surrender in 1759, British engineers began the systematic reduction of Louisbourgs defenses to prevent it being returned to the French by any future peace treaty.

Annotated Bibliography of Articles Related to Media Literacy

Boske, C., and McCormack, S. (2011). Building an understanding of the role of media literacy for Latino/a high school students. High School Journal 94(4), pp. 167-186. In a qualitative study of a small group of Latino/a high school students, the researchers found that students perceived negative cultural messages in media they were asked to watch. The messages were not obvious to the teachers who selected the media and who were not part of this ethnic group. The study serves as a cautionary tale for teachers when selecting media for their classrooms and suggests strategies for making more mindful choices. According to the Center for Media Literacy, there are three core concepts to critically examine construction/selection of media: Different people experience the same media message differently; media have embedded values and points of view; [and] most media messages are organized to gain profit and/or power (Boske and McCormack, 2011, p. 168). Considine, D., Horton, J., and Moorman, G. (2009). Teaching and reading the millennial generation through media literacy. Journal of Adolescent Adult Literacy 52(6), pp. 471-481. Technology has transformed the way people produce, disseminate, and receive information. As the authors explain, the new technology also challenges our definition of what it means to be literate. Whereas text was once available only as a print medium, the concept of text has evolved to include the Internet, film and television. Children whoShow MoreRelatedWhat I Learned At The English 110 Essay1125 Words   |  5 PagesDetmering gave me a good idea that I could use in my counter argument. Which was talking about reasons why some professions can t accept people with tattoos because it ll affect their overall performance if they were in the server service or something related to that. 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Benefits Administration Diminishing Risk And Increasing...

Benefits Administration: Diminishing Risk and Increasing Value Introduction Your clients are demanding it and their employees are expecting it. Is the competition delivering it? Vendors are continuously trying to form a relationship with your organization. We’re referring to benefits administration and automating antiquated paper-driven processes of managing eligibility, employee communication, enrolling employees into their healthcare options, facilitating carrier communication of elections, and managing compliance. Supply and demand for benefits administration has been fluctuating for quite some time, but there has been a recent increase in demand due to the legal ramifications of the Affordable Care Act and the compliance that has been placed upon employers as well as competition in the marketplace. Consideration to benefits administration is becoming a primary focus for organizations. When making a decision on whom to partner with, employers are looking to reduce administrative costs, empower the employee, reduce paper, find a user-friendly customizable system, meet ACA requirements, and simplify reporting. Other factors include proving the overall value to executives, understanding the implementation process, ease, and timeliness of a conversion. When it comes to offering technology and innovative services for benefits administration to clients, an agency must have focus on two particular areas: Diminishing Risk and Increasing Value With any proficient gainShow MoreRelatedEnterprise Risk Management ( Erm )1741 Words   |  7 PagesEnterprise Risk Management (ERM)? Enterprise Risk Management (ERM) is process of planning, organizing, leading, and controlling the activities of an organization in order to minimize the effect of risk on an organizations capital and earnings. 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Surrealism Free Essays

Surrealism Surrealism started as a revolt against the intellect of Cubism, Formalist art, Art for Arts sake (Dada) and abstraction. It is an attitude to life and society rather than a style of art. It was a painting style that trapped the dream into physical existence. We will write a custom essay sample on Surrealism or any similar topic only for you Order Now Individualism and isolation was a core value of the movement. They investigated the mind for artistic inspiration. Origins of Surrealism: Andre Breton: Was dissatisfied with DADA Wanted a more organized and realistic He explored automatic righting and discussed the irrational and the accidental Hough process in painting He published a manifesto in 1924 (statement of ideas about the movement) Was based on Freud the idea of the conscious mind struggling against the irrational and the unconscious Implemented the idea that the individual is free to express their personal desires Definition of Surrealism: Thought is expressed with the absence of reason, aesthetic (visual), moral concerns. Surrealism emphasizes words more than the image and was dominated by the written works and ideas. The influence of Sigmund Freud: Worked with Psychoanalysis, and how hypnosis allows an individual to remember motional experiences that have been forgotten. The importance of memories and experiences in the subconscious is core to Surrealism Hypnosis liberates the imagination Through the dream, reality is solved. Political situation of the time: Breton was a communist The surrealists were anarchists like the Dadaists of WWW Surrealist thought that non-government was better(irrational vs. the rational) Russian revolution Tribal art Dada : chance, irrational, illogical Art of children and the mentally ill Freud and Jung (importance of dreams and the symbols used to understand dreams) Sub Themes: The human condition: Surrealism deals with the subconscious, dreams and irrational thought Influence of technology- Meaning in media: Surrealism involves symbolism, meaning through the use of paint Reflection of society: comment on anti war etc Two Schools of Surrealism Bibliographic Surrealism Ray, Dali,Yves, Migrate Detailed Automatic Organic surrealism Mirror, Manson Recognizable objects in different contexts Images of the mind Precise reproduction Juxtaposition (placing next to each other) Transposed (placed over) Displaced(put out of place) Mutated (altered) Visual pun/ double meaning Hidden Meaning Chance Close to abstract How to cite Surrealism, Papers

Prevention For Opioid Drug Abuse Example For Students

Prevention For Opioid Drug Abuse On April 2, Kathleen Errico of Haverhill woke up at 3:45a.m. To find that her 23-year-old daughter, Kelsey Endicott, had lost her life due to a heroin overdose. Kelsey leaves behind her family and a son, whose second birthday is soon approaching. Ms. Errico shares that her daughter, â€Å"turned to drugs to make her feel normal,† and that Kelsey wasn’t aware of how heroin, â€Å"would devastate her family and tear it apart, how it would take her job and leave her penniless, or how it would steal her son from her arms.† Kelsey’s son now lives with Ms. Errico (MacQuarrie and Farragher). Unfortunately, cases such as Kelsey’s are becoming increasingly common in Massachusetts, calling for a much-needed resolution to the opioid epidemic. Drugs contributing to the opioid epidemic include heroin as well as prescription painkillers such as morphine, hydrocodone, codeine, oxycodone, and fentanyl (â€Å"Opioid Addiction†). In Massachusetts, the number of opioid-related hospital visits has roughly doubled from 2007 to 2014, with 31,000 visits in 2007 rising to a staggering 57,000 visits in 2014 (Freyer). A notable increase can also be seen in the number of opioid-related fatalities in the state. The year 2000 ended with a total of 338 unintentional fatal opioid overdoses in Massachusetts (â€Å"United States†). The number of opioid-related deaths has continued to rise each year with 561 fatalities in 2008, 603 fatalities in 2011, 668 fatalities in 2012, 911 fatalities in 2013, and 1,099 fatalities in 2014 (â€Å"United States†). This data represents a 21% increase in the number of unintentional fatal opioid overdoses from the year 2013 to 2014, and a 65% increase from 2012 to 2014 (â€Å"United States †). The increase in the number of opioid-related deaths in recent years has also shown to be more prevalent in certain areas of the state. Freyer shares, â€Å"The Berkshires, Southeastern Massachusetts, and the Lawrence-Lowell area have the highest concentrations of residents who visited the hospital with opioid-related problems.† All age groups are affected by opioid abuse and it has been found that those earning less that $50,000 a year are more apt to be affected (Freyer). The amount of opioid medications prescribed as well as the immense availability of heroin is driving this epidemic. Opioid painkillers prescribed by physicians have shown to contribute to the opioid epidemic. While opioids were once only regularly prescribed to patients battling cancer and other terminal illnesses, there has been an increase in use of opioids to treat musculoskeletal problems, sciatica, and low-back pain (Friedman). With a rise in the number of conditions using painkillers to combat pain, more and more opioid prescriptions are being distributed to patients. In fact, the medical use of opioids has multiplied by ten in the past twenty years, with about half of all prescriptions prescribed by pain specialists now being opioid pain relievers (Friedman). Addiction to these medications has become increasingly more common due in part to the immense amount of opioids that are in circulation throughout the public. In the United States, an estimated 259 million opioid prescriptions were written in 2012, which would allow every American adult a separate bottle of medication (â€Å"Opioid Ad diction†). Along with the massive amount of opioid prescriptions that are being prescribed, the abundant availability of heroin is driving this epidemic. Heroin is both easily obtained and is inexpensive (Freyer). When the supply of an opioid painkiller is cut short, heroin can become a cheaper alternative for someone struggling with opioid addiction. Both the availability of heroin and the amount of opioid painkillers being distributed can be to blame for driving this epidemic. As seen in the number of opioid-related deaths in recent years, more and more families are now being affected by opioid abuse. Families are being torn apart while individuals are losing their lives to opioid overdoses. Studies have shown that those who are addicted to opioids live approximately fifteen years less than people who are not addicted to the painkillers (â€Å"Findings of Opioid Task Force†). In addition to this, individuals addicted to opioids are at a higher risk for developing liver disease, HIV infection, and Hepatitis C (â€Å"Findings of Opioid Task Force†). Effects of opioid abuse have also been observed to affect children. Freyer shares that in Massachusetts, â€Å"The rate of babies born dependent on opioids increased more than fivefold from 2004 to 2013, and in 2009 was 3 times the national average.† These numbers will continue to rise if steps are not taken to try and prevent the progression of this epidemic. Is Marijuana A Solution For The Opioid Epidemic?The impact of mass media campaigns has also been observed in Australia. A study in Australia assessed the effectiveness of the media campaign â€Å"SunSmart† in regard to the prevention of skin cancer (Wakefield, Loken, and Hornik). The company encourages and promotes the wearing of protective clothing, the use of sunscreen, and the avoidance of direct sunlight during high ultraviolet periods (Wakefield, Loken, and Hornik). Various forms of advertising were used throughout the campaign. The fifteen-year study found that there was a reduction in the prevalence of melanoma in the areas exposed to the campaign, especially among young individuals (Wakefield, Loken, and Hornik). This fifteen-year study in Australia displays the great influence that media campaigns are capable of. While mass media campaigns have proven to be effective in producing positive changes in society, some people would argue that they take years to produce any significant change. Although media campaigns can in fact take time to result in substantial change, the overall effect that a mass media campaign would have on the opioid epidemic would be worthwhile. With the continued efforts of various treatment facilities for opioid abuse in Massachusetts, the use of media campaigning would function to educate the public on the dangers of opioid misuse and would consequently reduce the negative effects that opioid abuse has on society. One alternative solution to preventing opioid abuse in Massachusetts is limiting the amount of opioid painkillers prescribed to patients. Recently, an opioid bill has been passed in Massachusetts that aims to prevent the misuse of opioid painkillers. This bill limits a seven-day supply of medication for initial opioid prescriptions in the state (Miller). By doing so, the bill would help decrease the number of opioid painkillers in circulation throughout the public. A decrease in availability of opioids would help to prevent the start of opioid abuse among individuals. Although the bill could reduce the start of opioid abuse, it would not prevent those who are already addicted to opioids from seeking more medication. Individuals that are already addicted to opioids may turn to heroin when supplies of other opioid painkillers are cut short. A mass media campaign would better serve in preventing opioid abuse, as it would target those already affected by opioid abuse, those at risk for b eing affected, and the general public.

Comparing Short Stories of The Flowers and A Rose for Emily Essay Example For Students

Comparing Short Stories of The Flowers and A Rose for Emily Essay Essay (Practice) By comparing the ending of Alice Walker’s story â€Å"The Flowers† with that of William Faulkner’s â€Å"A Rose for Emily†, there have been some similarities in the stories. Such as for the main character of both stories had personally faced a dead body. For Myop in â€Å"The Flowers†, she innocently stumbles onto the remains of a man who had clearly been killed in a lynching. She discovers the body when she saw the man cracked or broken large white teeth in the woods. For Emily in â€Å"A rose for Emily† she had one love, Homer Barron, whom the town had believed he had left her. It is revealed at the end of the story that he in fact did not leave Miss Emily; in fact, Emily had poisoned Mr. Barron and left his dead body in her bed for so many years until her time had come. Other similarities would be the figure flowers, in which Myop in â€Å"The Flowers† while she was walking in the woods, she found a handful of blue flowers. In the end when she had found the body, she had laid the flowers next to the body and walk back home. For Emily, the narrator seems to have this deep emotion to the fate of Emily. There is a deep understanding of the situation that she faced or grew up with. In this, it clearly showed that despite of the attitude that Emily portrayed and the crime she had committed, the narrator seemed to acknowledge the woman inside her facade. So the rose only symbolizes the life or respect for Emily. Further comparing the stories, we found some opposite similarities. For instance in â€Å"The Flowers†, Myop plays as an African American girl in a poor family whom in the end came out and faces the cruel reality in the world. For Emily, she plays as a rich white woman and the narrator tells the story of how her life began and ended in the world.