Essays on Countrywide

The criminal justice refers to a system of practices and government institutions which mitigate and deter crime, sanctioning with criminal penalties those that violate the law, rehabilitation efforts and upholding social control. The five pillars of the criminal justice system are the courts, correction, the community, the prosecution and the law enforcement Implementation of legislation appears to differ according to race, minority, and economic resources. In the criminal justice system, racial disproportionality is a fact. Racial profiling results from institutionalized biases, individual officer stereotyping or racism and from the organizational culture of agencies that enforce laws (Crutchfield, 2005, p. ...

Emerging technologies have enhanced the way of doing business. It has greatly improved the efficiency of business functions and as well as eliminating the chances of unsound decision making (Ikävalko et al., 2016). In this case, it is evident that the New Zealand Tour Company has progressively delivered its mandate to the expectations of all its stakeholders. Specifically, the company has been successful in promoting the country’s clean and green image – which are among the vital tourist attraction aspects for New Zealand tourism. However, the move to incorporate countrywide integration of products and services means that the ...

Executive Summary

The paper discusses current graduate labour market on Information Technology sector in Singapore. Singapore is considered IT hub hosting firms from across the services, software, spanning the internet, as well as Infocomm service space. These firms pursue comprehensive business activities within Singapore, ranging from research or development, offering of solutions to international markets to headquarter functions. The country continues to attract international IT firms and encourages companies to accept cloud computing as the market is anticipated to advance. Singapore has launched Smart Nation policy to steer its IT agenda. The country has many opportunities to offer graduates because of ...

Benefits of Green Schools in Kuwait

CHAPTER 1: INTRODUCTION Kuwait is a country located in the Middle East, which is a region characterized by severe water shortages as its located in the middle of a desert. Also, nearly all the electrical energy consumed in Kuwait is generated from fossil fuels such as natural gas and diesel. This situation poses several challenges. For example, the lack of enough clean water for domestic use could lead to serious problems such as waterborne diseases, such as cholera or typhoid. Also, water shortages can affect businesses such as agriculture and hospitality businesses. On the other hand, over reliance on ...

The adventure of Countrywide Financial Corporation in the American mortgage market implies a sinuous evolution, marked by the legal and illegal exploitation of the U.S. loaning legislations, which affected both the beneficiaries of the loans and the American overall economy. The organization has taken advantage of various market situations to boost its presence in the mortgage and subprime mortgage markets, being nevertheless itself the victim of the real estate market collapse that it caused historical losses, putting CFC in the position of being sold to Bank of America for avoiding bankruptcy (Eastburn, 2011). Achieving rapid growth in United States ...

- According to "What Compliance Looks Like," What 4 basic elements of the Red Flags Rule must one include in their Identity Theft Prevention Program? - They must include logical policies and measures. - In the program structural design, it must be able detect and deter red flags identified - The system should have well outlined counter measures to follow in case of red flag detection. - The system must be kept up to date to enable new threats detection.2. Who must comply with the Red Flags Rule? The major complaints of the program ...

Assignment 1

Relationship between trust, respectability, risk, and white collar crime, and how the relationship differ when crime involved is conventional, rather than white collar. White collar crimes are in most instances committed by people of high authority, and who command higher respect in societal set up. These people, in most of the occasions come from successful businesses either as owners, managers, or in a senior position able to make command, and decisions regarding the business. Government personnel have also in the recent past been involved in white collar crime, and this trend has been on the increase not only on ...

Business Ethics

In this lecture there were six case studies on ethical issues. The paper shall analyze each one of them and give recommendations thereof. The first case is that of countrywide financial. Over 9% of the loans were subprime loans which are essentially very high risk loans. Due to the unethical behavior at countrywide financial these subprime loans were repackaged as mortgage backed securities and were given high ratings. In 2008 the credit freeze resulted in 62 trillion dollars credit default. Countrywide financial sold out to bank of America for a sixth of its original value. Subprime loans had a legitimate purpose ...

Adventure Brewing Company is one of the corporations that are in the competitive beer market. The corporation is located in Fredericksburg, Virginia and it has played a key role in providing jobs for the people (Adventure brewing Co., 2013). Despite many competitive brands of beer in the market, Adventure Brewing Company markets itself in the country through good use of media services for advertisement. In addition, Adventure Brewing Company is known for hosting beer festivals and contributing in other event to enrich the culture of the state as a whole (Love on Tap, 2013). Through these activities, the company gains both ...

It goes without saying that cell phones have contributed so much in improving the lives Americans through communication. However, there seems to be a worrying trend where by more and more accidents are being caused as a result of people using their cell phones while driving. The national Transit Safety board in 20011 had called for a complete ban on the use of cell phones while driving. This was later opposed by the US secretary of transport saying that he issues of cell phones contributed to an insignificant figure when it comes to road accidents (Sturnquist, 2006). . However, it is becoming evident ...

Crystal Care Limited Business Plan

Executive Summary Crystal Care Limited is a company formed with the aim of providing high quality skincare products to men. Crystal Care Limited will seek to overcome various challenges, for instance, the market standing; as a new product in the market, the skin care products face a major challenge in winning customer attraction. Competition from other developed firms is a problem as the firms have large economies of scale, hence can afford huge promotions for their products. Crystal Care Company will solve these problems by using extensive promotion on our websites and billboards to create awareness The company will exist to take ...

Introduction

Despite the credit crunch that hit the United Kingdom five years ago, real estate companies continue to expand, not only in terms of revenues but also of the scope of their operations. Prices for their stocks cost more than ten times the earnings; investors predict an upward trend in the years to come. Nevertheless, this does not mean good news to the consumer group. A significant part of the population is still faced with issues concerning the high cost of residential property. First-time buyers for instance, are forced to settle with renting because they are not able to afford ...

Introduction

The Bank of America Corporation is a financial and banking services multinational company with its headquarters in Charlotte, North Carolina. Officially renamed Bank of America in 1998, the bank is now said to be the second largest bank in the United States with a close association with the Fortune 500 companies both in the United States and the entire globe . Initially, the Bank of America was separate from the Nations Bank, however in 1998, the Nations Bank was acquired Bank of America taking the name. After the 1998 acquisition of the name, the bank would embark on an aggressive expansionary strategy ...

There are a lot of challenges that are facing the health care system. This paper presents a detailed analysis about obesity, aging, age, environmental factors, demographic factors, the future of this trend and factors that support them.

Principal Findings

The economic weight of aging, and obesity in 2030 should be no more than the economic burden linked with raising outsized numbers of baby boom kids in the 1960s (Fitzgerald, 2010). The actual tasks of caring for the obesity and elderly in 2030 will engross: making certain society develop imbursement and insurance methods for long-term care which function better than presented ones, taking advantage ...

1.0 Introduction The current consumer regime in Australia came into effect on 1st January 2011. The sole aim of this thesis is to compare and contrast the present day consumer regime legislations and the pre-2011 ones. This is to ascertain whether the present day legislations are progressive or retrogressive. The Australian Consumer Law of 2011 (ACL) can be defined as “a national, state and territory law from 1 January 2011 and includes unfair contract terms legislation introduced on 1 July 2010’. Under this legislation, all consumers have the same entitlements and all businesses too have the same responsibilities and ...

Introduction

Periodontal gum disease refers to an infection in the gums. It is caused by bacteria that attack the gum and the teeth. The disease has been linked to serious conditions such as diabetes and heart disease. Dental conditions are very common these days. In children who are between the ages of 2 to 5 years, one in every four children will experience tooth decay. The number goes up in older children who are between the ages of 12 and 15 years, half of the children will have tooth decay problems. Research has shown that the minority communities and ...

Abstract

This is a comprehensive analysis on the M&A actions of Merrill Lynch and Bank Of America. This analysis incorporates the strategic examination of the different features that shaped synergies involving these two companies, putting them as the ideal constituents for a likely merger. This analysis also enlightens on the assorted features of M&A and the approaches of Mergers and Merger incorporation procedure. This analysis clarifies Merger as a procedure, which is well planned for the improvement of both the companies involved in it.

Introduction

The Bank of America is among the world's leading monetary establishments, providing individual customers, minute, middle market ...

Are subprime loans an unethical financial instrument, or are they ethical but misused in a way that created ethical issues?

Subprime loans are not considered to be an unethical financial instrument. However, their misuse results in both ethical and legal issues. Original goal of subprime lending is helping borrowers with low credit ratings or those who cannot maintain their repayment schedule to receive loans at a rate above prime loans.

Subprime loans appeared in 1970s, when social activists mobilized President Administration and U.S. Congress to deal with social injustices in home ownership, and provide loan opportunities to people from low-income neighborhoods (Eastburn 14). Since then lenders could charge higher rates to this kind of borrowers due to added risk, and ...