Loan Essays (Examples)
Study Document
Wells Fargo Collateral Protection Insurance Scandal
...Loan Wells Fargo Scandal
The Wells Fargo Collateral Protection Insurance (CPI) Scandal occurred as a result of the banking firm placing CPI on accounts even though the account holders did not ask for it or want it. It resulted in customers paying unnecessary and higher fees over a period of time. Wells Fargo was sued and agreed to settle the case out of court for approximately $400 million without admitting fault (Top Class Actions, 2019). The scandal, however, caused Wells Fargo to lose a great deal of reputation: customers began leaving the bank in droves and the firm suddenly found itself wondering how it had fallen and what it could do to shore up trust among customers once more. For years, the bank seemed happy to dupe customers with excessive fees, believing no customer would be sophisticated enough to realize just how he was being overcharged—but customers did catch on and……
References
References
Forsyth, D. R., & O’Boyle Jr, E. H. (2011). Rules, standards, and ethics: Relativism predicts cross-national differences in the codification of moral standards. International Business Review, 20(3), 353-361.
Goodpaster, K. (1983). Ethical frameworks for management. HBS.
Horowitz, D. (2011, May). We need a \\\\\\"moral operating system\\\\\\" Retrieved from https://www.ted.com/talks/damon_horowitz (Links to an external site.)
Top Class Actions. (2019). The settlement is closed. Retrieved from https://topclassactions.com/lawsuit-settlements/closed-settlements/917069-wells-fargo-auto-loan-insurance-class-action-settlement/
Study Document
Project Management Plan To Upgrade Hospital Equipment
...Loan 1. INTRODUCTION
This project plan is for a hypothetical struggling hospital in the NY Metropolitan area. The hospital is on the verge of bankruptcy but is the only pediatric hospital in the area. It also boasts of some of the most innovative researchers and physicians in the country. The walls are peeling, some of the equipment is outdated, and staff morale is low. As the consultant project manager, I intend to focus on identifying and replacing the outdated equipment, raising the required funds using appropriate strategies.
1.1 Purpose of Project Management Plan
The purpose of the Hospital Equipment Upgrade (HEU) PMP is to identify all outdated equipment in the target hospital, develop a plan of how this equipment will be replaced, and identify the source of the funds required for this purpose.
2. EXECUTIVE SUMMARY OF PROJECT CHARTER
Hospitals in the U.S. lose a total of $8.3 billion a year……
References
References
Healthcare Business. (2013, May 15). Report: Hospitals waste billions using outdated technology. Retrieved from Health Care Business Tech: http://www.healthcarebusinesstech.com/outdated-technology-wastes-money/
Lee, J. (2016, April 14). Top five risks of using outdated technology. Retrieved from Meridian: http://www.whymeridian.com/blog/top-5-risks-of-using-outdated-technology
Moran, W. J. (2019). Hospital Fundraising Best Practices. Retrieved from The Moran Company: https://morancompany.com/hospital-fundraising-best-practices/
Parand, A., Dopson, S., A. R., & Vincent, C. (2014). The role of hospital managers in quality and patient safety: a systematic review. BMJ Open.
Pohjola, T., Suhonen, M., Mattila, K., & Meretoja, R. (2016). The work done in healthcare projects . Journal of Nursing.
Ponemon Institute. (2013). The Economic and Productivity Impact of IT Security on Healthcare. Imprivata.
Study Document
Adolescent Psychosocial Assessment
...Loan Adolescent Psychosocial Assessment
SECTION I – SOCIAL HISTORY
Personal
In list format, cover the following:
1. Name: John Mathew
2. Age: 18
3. Sex: Male
4. Race/Ethnic: Black, African-American
5. Education/Occupation: Student
6. Health: Okay
Social
John's family lives in an apartment situated in the middle of a range of complexes. The residence is right in the middle of communities in Washington, DC. The household is always abuzz with activity. There are two boys named Zebulon and David. The boys still call for their mother's attention. Ervin, my father, does not have a job. He is grounded in a wheelchair, following health challenges he has faced in the past couple of years. My mother is a part-time writer. Her name is Monique. The main poverty indicator about my family is the challenge we face in paying bills and lack of money to travel around (Sherman, 2012). Several aspects of culture……
References
References
Alexander Jr, R. (2010). The Impact of Poverty on African American Children in the Child Welfare and Juvenile Justice Systems. In Forum on Public Policy Online (Vol. 2010, No. 4). Oxford Round Table. 406 West Florida Avenue, Urbana, IL 61801.
Belgrave, F. Z., & Allison, K. W. (2009). African American psychology: From Africa to America. Los Angeles: Sage.
Brittian A. S. (2012). Understanding African American Adolescents\\\\\\' Identity Development: A Relational Developmental Systems Perspective. The Journal of black psychology, 38(2), 172–200. https://doi.org/10.1177/0095798411414570
Chávez, R. (2016). Psychosocial development factors associated with occupational and vocational identity between infancy and adolescence. Adolescent Research Review, 1(4), 307-327.
Crain, W. C. (2014). Theories of development: Concepts and applications. Harlow, Essex: Pearson.
Fernandes-Alcantara, A. L. (2018). Vulnerable Youth: Background and policies.Congressional Research Service
Newman, B. M., & Newman, P. R. (2015). Theories of human development. Psychology Press.
Reubins, B. M., &Reubins, M. S. (2014). Pioneers of child psychoanalysis: Influential theories and practices in healthy child development. London: Karnac.
Study Document
How Interest Rates Compare Over The Last Decade Within The United
… rates. The problem of interest rates is compounded by the fact that different purchases, securities, and investments all have varying durations. A car loan can be 5 to 7 years, a mortgage may be 30 years, a certificate of deposit may be for 3 years, and so ……
References
References
1. Goodhard, C and E Perotti, 2008 “Maturity mismatch stretching: Banking has taken a wrong turn”, CEPR Policy Insight 81, 6-July
2. Holston, Laubach, and Williams. 2017. “Measuring the Natural Rate of Interest: International Trends and Determinants,” Journal of International Economics 108, supplement 1 (May): S39–S75
3. Laubach and Williams. 2003. “Measuring the Natural Rate of Interest,” Review of Economics and Statistics 85, no.4 (November): 1063-70.
4. Rachel, L. and Smith, T.D., 2017. Are low real interest rates here to stay?. International Journal of Central Banking, 13(3), pp.1-42.
5. Schularick, M, and A M Taylor, (2009), “Credit Booms Gone Bust: Monetary Policy, Leverage Cycles and Financial Crises, 1870-2008”, NBER DP 15512
6. Stock, J.H. and Watson, M.W., 2007. Why has US inflation become harder to forecast?. Journal of Money, Credit and banking, 39, pp.3-33
Study Document
Self Care Action Plan
...Loan A Self Care Plan for Preventing Burnout at Work
Abstract/Summary
An action plan is a way to establish a step-by-step guide for oneself to follow in order to achieve a goal. The main goal for this action plan is self-care. There are six areas of self-care that this action plan focuses on: physical, emotional, cognitive, social, financial and spiritual. The action plan identifies three sub goals within each area and describes the steps that I will take to reach those goals. This specific action plan was chosen to prevent me from becoming burned out at work. Self-care is important as psychologists and even the bible have shown. This paper provides support for the plan using scholarly sources, books, and other reference material, and the action plan shows why the goals and steps described are helpful in my self-care plan.
Outline of the Action Plan
This Action Plan will go through……
References
References
Baumeister, R. F., Campbell, J. D., Krueger, J. I., &Vohs, K. D. (2003). Does high self-esteem cause better performance, interpersonal success, happiness, or healthier lifestyles? Psychological Science in the Public Interest, 4(1), 1–44.
Cosentino, B. W. (2020). Loving Yourself. How to raise your self-esteem.
Dall’Ora, C., Griffiths, P. & Ball, J. (2016). 12-hour shifts: burnout or job satisfaction? Nursing Times, 112(12/13), 1-2.
Maslow, A. H. (1943). A theory of human motivation. Psychological Review, 50(4), 370.
National Academy of Medicine. (2019). Valid and Reliable Survey Instruments to Measure Burnout, Well-Being, and Other Work-Related Dimensions. Retrieved from https://nam.edu/valid-reliable-survey-instruments-measure-burnout-well-work-related-dimensions/
Nursing Theories. (2012). Retrieved from http://currentnursing.com/nursing_theory/self_care_deficit_theory.html
Orem, D.E. (1991). Nursing: Concepts of practice (4th ed.). St. Louis, MO: Mosby-Year Book Inc.
Robinson, R. B., & Frank, D. I. (1994). The relation between self-esteem, sexual activity, and pregnancy. Adolescence, 29(113), 27–35.
Study Document
Banking Industry Crimes
… is perpetrated by insiders who “have exclusive access to accounts payable or suspense accounts, which are used to temporarily record items such as loans in process, interdepartmental transfers, or currency in transit” (74). It therefore follows that in such a case, insiders can easily initiate the movement ……
References
References
Albrecht, W.S., Albrecht, C.C., Albrecht, C.O. & Zimbelman, M.F. (2008). Fraud Examination (3rd ed.). Mason, OH: Cengage Learning.
Dionne, B. (2020). Regions Bank Teller Accused of Stealing Customer Identities Faces Felony Charges. Retrieved https://www.wbrc.com/2020/01/30/regions-bank-teller-accused-stealing-customer-identities-facing-felony-charges/
Golden, T.W., Skalak, S.L. & Clayton, M.M. (2006). A Guide to Forensic Accounting Investigation. Hoboken, NJ: John Wiley & Sons.
Krancher, M., Riley, R. & Wells, T.J. (2010). Forensic Accounting and Fraud Examination. Hoboken, NJ: John Wiley & Sons.
Singleton, T.W., Singleton, A.J. & Bologna, R.J. (2006). Fraud Auditing and Forensic Accounting (3rd ed.). Hoboken, NJ: John Wiley & Sons.
Zagaris, B. (2010). International White Collar Crime: Cases and Materials. New York, NY: Cambridge University Press.
Study Document
A Career As A Psychologist
...Loan As an aspiring psychologist, I know that my future clients will be tackling a variety of psychological challenges. Some of these may have physical roots, given that many mental health complaints have at least some genetic component. Also, psychological difficulties can create physical problems. Anxiety can cause symptoms like a pounding heart. Eating disorders can cause a host of malnutrition-related concerns, and substance abuse can do so likewise. Mental disorders can interfere with normal, daily cognitive functioning, including the ability to make good decisions, and also impede the individual’s ability to have normal social relationships at work and school. Unfortunately, the fact that mental disorders can interfere with the ability to secure a proper social support network or even to work at all, means that the people who need help the most may be the least able to access it. As a psychologist, an understanding of the complexities of such……
References
References
Psychologists. (2019). Bureau of Labor and Statistics. Retrieved from: https://www.bls.gov/ooh/life-physical-and-social-science/psychologists.htm
Student guide. (2019). Ashford University.
Study Document
Net Worth Theory And Corporate Fraud
… at Danske would be to:
1. Go to the bank’s records
2. Obtain information from the bank’s informants, i.e., cooperating individuals
3. Assess loan applications, financial statements, tax returns, etc.
4. Catalogue assets and liabilities and expenses.
These steps will provide the foundation for proceeding into the ……
References
References
IRS. (2017). Retrieved from https://www.irs.gov/irm/part9/irm_09-005-009
Madlinger, J. (2006). Money laundering: A guide for criminal investigators. CRC Press.
Milne, R. & Winter, D. (2018). Danske: anatomy of a money laundering scandal. Retrieved from https://www.ft.com/content/519ad6ae-bcd8-11e8-94b2-17176fbf93f5
Schwab, R. D. (1961). The Civil Aspects of the Net Worth Method. Wm. & Mary L. Rev., 3, 65.
Study Document
Labor Market Wages And Income Inequality
...Loan Abstract
This paper looks at the concepts of the labor market, wage growth and income inequality in the U.S. and discusses them in terms of inflation (caused by the injection of $4 trillion worth of liquidity into the financial markets by the Federal Reserve after the global economic crisis threatened to derail capitalism). It describes what has been written in three news articles in recent years and months, and discusses them with a view to showing that the “best economy ever”—as it is described by President Trump—should not be dependent upon a rate-cutting Fed. A good look at the labor market, wage growth and income inequality may help to explain why the president is so worried about the central bank maintaining loose monetary policy.
Introduction
While President Trump has often insisted that this is the best economy ever (BBC, 2019), there are signs that this might not be true—and those……
References
References
BBC. (2019). US economy under Trump: Is it the greatest in history? Retrieved from https://www.bbc.com/news/world-45827430
Bernstein, J. (2019). A tight job market is a potent force against inequality and wage stagnation. Retrieved from https://www.washingtonpost.com/outlook/2019/02/01/tight-job-market-is-potent-force-against-inequality-wage-stagnation/?utm_term=.0a531cf24efb
Cox, J. (2019). Private payroll growth tops estimates as job market shows signs of tightening. Retrieved from https://www.cnbc.com/2019/07/31/private-payrolls-up-156k-in-july-vs-150k-est-adpmoodys.html
Harwood, J. (2019). 5 reasons why income inequality has become a major political issue. Retrieved from https://www.cnbc.com/2019/06/05/5-reasons-income-inequality-has-become-a-major-political-issue.html
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