...for white-collar scam artists. Some factors are the growing number of seniors in the population and seniors concerns to increase their income from investments and improve their health. The scams profiled include home-improvement projects, where a person takes the victim's money but does not perform the work promised; investment frauds and controlling their money for the future; and health and medical scams, which promise the equipment and service that do not perform as advertised. Also, research was taken from a survey from a rehab center with most of them senior citizens. The primary advice for preventing such white-collar crimes is to never give money for a product, service, or investment based upon a person's or business promise without first conducting a thorough background check. Key Terms: Senior Citizen, White Collar Crime, Prevention, Con Artists White Collar Crime against Senior Citizens Senior citizens are some of the most vulnerable targets when it comes to fraud and scam within white collar crime. There are many reasons why many people target the senior citizens and elderly mostly including but not limited to: because they are too polite and have good manners. For example, the elderly will usually not say no to people they are talking to. One of the main reasons that senior citizens have a problem is when they do find out about the scam and/or fraud; they are too embarrassed to report to the police or even their family members. This paper will focus on why...
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...BACKGROUND BRIEF: JAMAICAN LOTTERY SCAM This label is ready to print onto Avery Label #8931 NOVEMBER 2012 CARIBBEAN POLICY RESEARCH INSTITUTE BLOCK H, ALISTER MCINTYRE BUILDING UNIVERSITY OF THE WEST INDIES, MONA KINGSTON 7, JAMAICA TEL: (876) 970-3447 (876) 970-2910 FAX: (876) 970-4544 EMAIL: INFO@CAPRICARIBBEAN.ORG Copyright © 2012 CaPRI All rights reserved. This work was carried out with the aid of a grant from the International Development Research Centre, Ottawa, Canada. This page was left blank intentionally. BACKGROUND BRIEF The Lottery Scam “Advance fee fraud on the internet is a current epidemic that rakes in hundreds of millions of dollars per year. The advent of the internet and proliferation of its use in the 1990s makes it an attractive medium for communicating the fraud, enabling a worldwide reach.”1 Advance Fee Fraud gets its name from the fact that an investor is asked to pay a fee 2 up front or in advance of receiving any proceeds, money etc. These types of scams are not unique to Jamaica and in fact have existed in other parts of the world for some time, as evident from the signature by member and non-member States of the Council of Europe of the Convention on Cybercrime in Budapest, on 23 November 2001, long before this became a major issue for Jamaica. In 1999, the Jamaican Government initiated the liberalization of the telecommunications industry with full liberalization taking effect in March 2003. Since then there has been a...
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...annually at more than two million (Swagerty, 1999, p.2804). A U.S. National Elder Abuse Incidence Study confirmed that reported elder abuse cases are only the "tip of the iceberg" (National Center on Elder Abuse, 2003). The study also shown that two-thirds of the offenders were adult children or spouses. Additionally, elders are being abused in nursing homes, hospitals, or other institutions; in one study, 36 percent of nursing home staff stated that they had witnessed at least one physical abuse incident with an elderly patient (Nelson, 2002). Clearly, elder mistreatment or abuse of the elderly is a growing social occurrence. Unfortunately, our elder population is considered to be easy targets because they are perceived to be fragile and defenseless. Elder abuse is defined as representing all types of abusive behavior or mistreatment toward an older adult; this includes acts that are intentional or unintentional. Abuse takes many forms ranging from financial exploitation, scams, physical acts of violence, along with neglect and psychological abuse. There is no common pattern of elder abuse, acts can be performed by random strangers, to...
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...Running head: Alzheimer’s Disease Alzheimer’s Disease Brenda Silva Waubonsee Community College PSY 205 Research Paper Mr. Scott Hollenback October 27, 2011 Alzheimer Disease As Kevin Arnold quotes, “Memory is a way of holding on to things you love, the things you are, and the things you never want to lose.” Memories are the things we uphold. Whether it’s bad or good, those memories are engraved in us and can’t be stolen from us. But what if as time goes by, those memories are losing? Worst, you’re even losing your language skills, ability to recognize familiar things and you feel sense of depression. This means, as a person grows old he/she experiences deterioration in one’s self. Now, we are currently living in the age of technology. Our advancements in the past few decades overshadow everything learned in the last 2000 years. This increase has bought with it a large increase in disease afflicting the elderly community. AD once thought to be a natural part of aging, is a severely debilitating form of mental dementia. Although some other types of dementia are curable or effectively treatable, there is currently no cure for Alzheimer. A general overview of AD including the clinical description, diagnosis, and progression of symptoms, helps one to further understand the treatment and care of patients. Alzheimer’s is a type of dementia that causes problems with memory, thinking, and behavior. Alzheimer’s is the most common form of dementia, a general term for memory...
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...Alixandrea Carter Dr. Cooper 20 March 2011 Crime Causation Title Page Research Paper: Molesters and Rapist Normal people have questions and often ask why a molester becomes a molester and why a rapist becomes a rapist? What goes through their minds’ to make them want to harm children or other people? What kind of help can they get and can they ever be cured? People who become sexual molesters’, predators’’, and rapists’ usually have gone through some type of sexual abuse and/or have been raped as a child. From childhood to adulthood we will see how the abuse that one has went through during childhood and may/can affect them as through adulthood, causing them to become a sexual molester and rapist themselves. Molesting one’s own child/children and family members is called intra-famial. They normally don’t go outside the family because they think that they can persuade the child/children not to report them to the police. Pedophilia is the sexual attraction to children and they desire children, they usually work very close with kids like at the YMCA, schools, and church. Pedophiles’ normally don’t have children or families. They are sexually violent offenders are the perpetrators who are most violent. My hypothesis is the children who are molested or raped grow up to become molesters and rapists who keep the cycle going, rather than getting help. Children are the main victims in today’s society to molestation and rape, one reason being is that they are the easiest...
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...Measuring the Cost of Cybercrime Ross Anderson 1 Chris Barton 2 Rainer B¨hme 3 o Richard Clayton 4 Michel J.G. van Eeten 5 Michael Levi 6 Tyler Moore 7 Stefan Savage 8 Abstract In this paper we present what we believe to be the first systematic study of the costs of cybercrime. It was prepared in response to a request from the UK Ministry of Defence following scepticism that previous studies had hyped the problem. For each of the main categories of cybercrime we set out what is and is not known of the direct costs, indirect costs and defence costs – both to the UK and to the world as a whole. We distinguish carefully between traditional crimes that are now ‘cyber’ because they are conducted online (such as tax and welfare fraud); transitional crimes whose modus operandi has changed substantially as a result of the move online (such as credit card fraud); new crimes that owe their existence to the Internet; and what we might call platform crimes such as the provision of botnets which facilitate other crimes rather than being used to extract money from victims directly. As far as direct costs are concerned, we find that traditional offences such as tax and welfare fraud cost the typical citizen in the low hundreds of pounds/Euros/dollars a year; transitional frauds cost a few pounds/Euros/dollars; while the new computer crimes cost in the tens of pence/cents. However, the indirect costs and defence costs are much higher for transitional and new crimes. For the former they may be...
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... Chapter 2 Who Commits Fraud and Why I, Dennis Greer, am making this statement on my own, without threat or promises, as to my activities in regard to the activity of kiting between Bank A and Bank B. As of May 19XX, I was having extreme emotional and financial difficulties. For religious reasons, I was required without notice to move out of where I was living, and I had no place to go. Also, my grandmother—the only family member I was close to—was dying. I had to live out of my car for 3 1/2 weeks. At the end of this time, my grandmother died. She lived in Ohio. I went to the funeral and I returned with a $1,000 inheritance. I used this money to secure an apartment. The entire sum was used up for the first month’s rent, deposit, and the application fee. From that time, mid-June, until the first part of August, I was supporting myself on my minimum-wage job at the nursery. I had no furniture or a bed. I was barely making it. I was feeling very distraught over the loss of my grandmother and problems my parents and brother were having. I felt all alone. The first part of August arrived and my rent was due. I did not have the full amount to pay it. This same week, I opened a checking account at Bank B. I intended to close my Bank A account because of a lack of ATMs, branches, and misunderstanding. As I said, my rent was due and I did not know how to meet it. On an impulse, I wrote the apartment manager a check for the amount due. I did not...
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...college, through friends, personal and other people’s experience, books to mention but few. It is therefore important to manage one’s learning as it has huge impacts in one’s life. Some of the positive impacts include: Self-managed learning gives people the opportunity to come up with their own strategy in learning. For instance, I have a goal to get a distinction on my assignment, so my strategy will be to research, reference and write well my work and submit it on time to achieve my goal. Self managed learning motivate people make their own training plan as well as motivate others to participate. Self - managed learning ensures people are effective and efficient in their work. Being in a 21 century where technology is advancing, people need to manage themselves to learn new things to keep up with advanced technology which will be beneficial in organisation where people work (Nordstrom, 1996-2014). There are different approaches to self-managed learning: • Research Individual can learn through research given by the university, college or workplace. Research gives people the knowledge and information they need. However, people may not have time to spend researching and some people do not like reading and this may put them off. • Seminars and conferences Advantages of seminars and conferences - People can learn through the experience they acquired from seminars and conferences and then use the experience...
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...(Online) Table of Contents ABSTRACT 3 INTRODUCTION 4 Introduction to the Problem 4 Background of the Study 4 Statement of the Problem 4 Purpose of the Research 5 Research Questions 5 Significance of the Research 5 LITERATURE REVIEW 7 CONCLUSION AND RECOMMENDATIONS 19 ABSTRACT This paper investigates White Collar Crime (“WCC) in society and the affects it has on businesses in today’s society, the cost and statistics involved with white collar crime and the difference in how white collar crime and street crimes are dealt with. While white collar crime has existed for many decades, I have conducted research regarding the definition of white collar crime, the history of white collar crime, the different types of white collar crime that affect businesses directly and indirectly, goals of white collar crime, fraud statistics and the cost factors related to white collar crime. White collar crimes and business ethics play hand in hand with one another and often cross the line with one another into criminal behavior. White collar crimes have played a very instrumental part in our downward economy over the past five years, and the level of trust given by society to corporations and employers entrusted with their life earnings has changed dramatically. My research will include factors that contribute to this problem and how white collar crime affects the management and operations of business organizations; what part modern technology plays...
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...U.S. Department of Justice Federal Bureau of Investigation 2012 The Strategic Information and Operations Center at FBI Headquarters is the 24/7 command post that monitors FBI operations and law enforcement activities around the globe. An FBI agent examines a potentially contaminated letter during a white powder training exercise. 2012 The FBI Story I A Message from FBI Director Robert S. Mueller, III For the FBI and its partners, 2012 was a year that reminded us once again of the seriousness of the security threats facing our nation. During the year, extremists plotted to attack—unsuccessfully, thanks to the work of our Joint Terrorism Task Forces—the U.S. Capitol, the New York Federal Reserve Bank, and other landmarks on U.S. soil. Tragically, on the 11th anniversary of 9/11, a hateful attack in Benghazi took the lives of the U.S. Ambassador to Libya and three other Americans. In the cyber realm, a rising tide of hackers took electronic aim at global cyber infrastructure, causing untold damages. High-dollar white-collar crimes of all kinds also continued to siphon significant sums from the pocketbooks of consumers. And in Newtown, Connecticut, 20 young children and six adults lost their lives in one of the worst mass shootings in American history, ending a year of violence that saw similar tragedies around the country. Working with its colleagues around the globe, the FBI is committed to taking a leadership role in protecting the nation. As you can see from...
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...THE FINANCIAL VIABILITY OF PENSION PLANS IN KENYA By Akwimbi Ambaka William March 12, 2011 Department of Business Administration, School of Business, University of Nairobi, Kenya Electronic copy available at: http://ssrn.com/abstract=1784297 TABLE OF CONTENTS Declaration List of Tables List of Figures Appendices Abbreviation CHAPTER ONE: INTRODUCTION 1.0. 1.1. 1.2. 1.3. 1.4. 1.5. 1.6. Background of the Study The Conceptual Basis of Social Security Schemes The Kenyan Contextual Basis of Social Security Problem Statement Research Questions and Objectives Research Hypotheses Importance of the study 1 3 10 19 22 22 23 CHAPTER TWO: LITERATURE REVIEW 2.0. Introduction 2.1. Review of Theoretical Literature on Financial Viability of Pension Schemes 2.2. Review of Empirical Literature of Studies on the Solvency of Pension Schemes 2.3. Models for Evaluating the Financial Viability of Pension Schemes 2.4. A Summary of the Knowledge and Research Gaps 25 25 46 60 68 REFERENCES APPENDICES i Electronic copy available at: http://ssrn.com/abstract=1784297 GLOSSARY CAC CALPERS CAPSA CBS C-D CEO CGE CSR DB DC E.T.I EME ERISA FMA GASB GDP GSP INPFRS INSS IPD IRA IRBS KNAO KNBS LUPFUND NSE NSSF NYSCRF OECD OSFI PBGC PLC PPF PPR PROST PRPOPS PSPS PSSS RBA SAM SIPO SOX SSNIT SSS Commonwealth Authorities and Companies Act CEO California Public Employees Retirement System The Canadian Association of Pension Supervisory Authorities Central Bureau of Statistics Cobb-Douglas economy Chief...
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...Case Study Bernie Madoff’s Ponzi Scheme: Reliable Returns from a Trustworthy Financial Adviser By Denis Collins Denis Collins is a professor of management in the School of Business at Edgewood College in Madison, Wisconsin. His research interests include business ethics, management, and organizational change. Contact: dcollins@ edgewood.edu A [person] is incapable of comprehending any argument that interferes with his revenue. Rene Descartes Overview This case study is a chronology of the largest Ponzi scheme in history. Bernie Madoff began his brokerage firm in 1960 and grew it into one of the largest on Wall Street. While doing so, he began investing money as a favor to family and friends, though he was not licensed to do so. Over a period of fifty years, these side investments became an investment fund that mushroomed into a $50 billion Ponzi scheme. Bernie1 pled guilty without a trial on March 12, 2009, and was sentenced to 150 years in prison. Thousands of wealthy clients, philanthropic organizations, and middle-class people whose pension funds found their way into Bernie’s investment fund lost their life savings. What to Do? Bernie Madoff, at age 69, owned three very successful financial companies—a brokerage firm, a proprietary trading firm, and an investment advisory firm. On December 10, 2008, the brokerage and proprietary trading firms, managed by his brother and two sons, were performing as well as could be expected in the middle of a deep recession. His investment...
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...exams and your soft skills for grabbing all upcoming opportunity, English as a language is becoming all the more important. Everywhere we go, we face difficulties in getting a job, which is our aim, to survive in the society and lead a successful life. Speaking and writing correct and required English is one of them. Here we bring a book that will give a basic structure to all the aspirants to attempt descriptive English properly. We give a complete framework covering each and every topic of descriptive English paper. The book comprises techniques to attempt précis and essays, contains types of letters, sample letters & even model tests for your practice. This will provide the aspirants with basic knowledge of general rules of attempting English language descriptive paper, guiding them in learning English to an extent to which they attempt confident use of English. The book is aimed to provide you the content, sufficient enough, to attempt the descriptive English paper efficiently and may lead you to success in your examination. For this purpose all the current topics are being covered here. This book also intends to provide the competitors a conceptual base through the explanations of the questions asked. Any modification or error shall be entertained and we will try to incorporate it in our next issue. DESCRIPTIVE ENGLISH DESCRIPTIVE ENGLISH 4 Mahendra Publication Pvt. Ltd. www.mahendrapublication.org TOPICS CONTENTS Pg. No. 6 8 16 21 31 31 32 33...
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...01-Aug-2014 Politics India President congratulates medal winners at CWG President of India Pranab Mukherjee has congratulated the Indian players who won the medals at the Glasgow Commonwealth Games 2014. He gave his best wishes to Bijneesh Bajrang, Lalita, Navjot Kaur, Swati Singh and Lalita for their accomplishments in CWG. He wrote separate letters and said that the achievement of the players has proved that the Indian sportsmen are capable of reaching the top at the international level. 01-Aug-2014 Science and Technology Croma & Intel launch Windows 8.1 2-in-1 PC Croma & Intel have jointly launched two Windows 8.1-based devices – a 10.1-inch 2-in-1 PC with an attached keyboard, along with a tablet with 8-inch display feature. The 10-inch model will be available at a price of Rs 21,990 while the 8-inch model will be priced at Rs 13,990. The 8-inch tablet will only be available in the Croma outlets and the retail site of the company only. 01-Aug-2014 Sports Dipa Karmakar creates history for India in CWG After winning the Bronze medal in the artistic gymnastics event, Dipa Karmakar has created a history by becoming the first Indian woman and the second player from the country. Karmarkar collected 14.366 points to finish the third in the women’s vault final.England’s Claudia Fragapane bagged the gold medal with 14.633 and Silver went to Elsabeth Black. 01-Aug-2014 Business Jet Airways offers tickets for as low as Rs 1,499 Jet Airways declared a discounted...
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...Adult Media Literacy A review of the research literature on behalf of Ofcom By Sonia Livingstone Elizabeth Van Couvering Nancy Thumim Department of Media and Communications London School of Economics and Political Science Houghton Street London WC2A 2AE Tel: +44 (0) 20 7955 7710 Fax:+44 (0) 20 7955 7248 E-mail: s.livingstone@lse.ac.uk Ofcom Adult media literacy Preface Ofcom is the independent regulator for the UK communications industry. As part of Ofcom’s work to promote media literacy we plan to undertake or support a range of research activities to monitor people’s skills, knowledge and understanding of communications technologies and the content they watch and listen to either through broadcasting or online. Ofcom defines media literacy as the ability to access, understand and create communications in a variety of contexts. We have published our strategy and priorities for the promotion of media literacy and these can be found on our website. In October 2004 we commissioned Professor David Buckingham and Professor Sonia Livingstone to report on recent relevant academic and other publicly-available research into children’s and adults’ media literacy respectively. The purpose of this work was to outline the range of studies conducted, the gaps in research, provide examples of innovative methodologies, and outline possible barriers and enablers to media literacy identified by these studies. These reviews have admirably fulfilled their task, and provide a...
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